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I know this might be somewhat of a dead horse, but has anyone addressed how the different provincial tax rates affects CF members?
Late this year I was posted from a province with a low tax rate, to one with a very high tax rate. As an outcome, as a family we are looking at owing into the 5 digits, and that is with 5 digits worth of RRSP's contributed for the year, and all on top of a large loss in take home pay.
I'm looking at bringing this up the chain as a grievance, because a posting is suppose to be "at no cost to the member". And if PLD is calculated to each posting that includes tax rates. Just because I live in one province on the 31st of December I pay for the whole year at that one location, even if i lived up until December 30th somewhere else. PLD/IRP comes no where close to making up for this.
As well, due to living in one province with a high tax rate, you will continue paying a high tax rate if you go OUTCAN from that province. This is really unfair for 2 members posted for example to Germany. One member is from Alberta and one from Quebec. Even though they may be the same rank, same incentive, same trade, the one from Alberta will take home thousands more than the one from Quebec for the same job at the same place. PLPD is an outdated system and does not take into affect anything like this, and is very blinded (or conceived in costs, or "politically correct" that no province is better than the other, or penny pinching or whatever) into taking this into account cost of living, or quality of life for those same 2 members if they are in Germany or in Alberta or Quebec or any other province.
Is this something that has been addressed, or being addressed? Either a US military like system that the member decides their home state, or an averaged tax rate, or Ottawa tax rate for all CF members could fix this. This is not a isolated problem, i know many people who have to pay thousands back because of a posting to another province, or some for doing the same job at the same location but one taking home more than the other.
Any information or help on this subject would be greatly appreciated, I will share any and all information or outcome with everyone. I do plan on approaching the C of C, ombudsman, member of parliament and so on to try to fix this problem for everyone. So anything anyone could offer either pro or con would be appreciated.
There has to be a better way than forking out all this cost incurred due to being a CF member required to work anywhere at anytime.
* This is not a Quebec slam, or Alberta props. I used them as an example because they are at opposite ends of the tax rate scale within Canada (of course circumstances can alter this somewhat for top and bottom).
Canada Tax rates
http://www.cra-arc.gc.ca/tax/individuals/faq/taxrates-e.html
Quebec tax rates
http://www.taxtips.ca/qctax.htm#QCTaxRates
Alberta tax rates
http://www.taxtips.ca/abtax.htm
Late this year I was posted from a province with a low tax rate, to one with a very high tax rate. As an outcome, as a family we are looking at owing into the 5 digits, and that is with 5 digits worth of RRSP's contributed for the year, and all on top of a large loss in take home pay.
I'm looking at bringing this up the chain as a grievance, because a posting is suppose to be "at no cost to the member". And if PLD is calculated to each posting that includes tax rates. Just because I live in one province on the 31st of December I pay for the whole year at that one location, even if i lived up until December 30th somewhere else. PLD/IRP comes no where close to making up for this.
As well, due to living in one province with a high tax rate, you will continue paying a high tax rate if you go OUTCAN from that province. This is really unfair for 2 members posted for example to Germany. One member is from Alberta and one from Quebec. Even though they may be the same rank, same incentive, same trade, the one from Alberta will take home thousands more than the one from Quebec for the same job at the same place. PLPD is an outdated system and does not take into affect anything like this, and is very blinded (or conceived in costs, or "politically correct" that no province is better than the other, or penny pinching or whatever) into taking this into account cost of living, or quality of life for those same 2 members if they are in Germany or in Alberta or Quebec or any other province.
Is this something that has been addressed, or being addressed? Either a US military like system that the member decides their home state, or an averaged tax rate, or Ottawa tax rate for all CF members could fix this. This is not a isolated problem, i know many people who have to pay thousands back because of a posting to another province, or some for doing the same job at the same location but one taking home more than the other.
Any information or help on this subject would be greatly appreciated, I will share any and all information or outcome with everyone. I do plan on approaching the C of C, ombudsman, member of parliament and so on to try to fix this problem for everyone. So anything anyone could offer either pro or con would be appreciated.
There has to be a better way than forking out all this cost incurred due to being a CF member required to work anywhere at anytime.
* This is not a Quebec slam, or Alberta props. I used them as an example because they are at opposite ends of the tax rate scale within Canada (of course circumstances can alter this somewhat for top and bottom).
Canada Tax rates
http://www.cra-arc.gc.ca/tax/individuals/faq/taxrates-e.html
Quebec tax rates
http://www.taxtips.ca/qctax.htm#QCTaxRates
Alberta tax rates
http://www.taxtips.ca/abtax.htm