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Hi, My wife is on Mat leave presently. She has a health care plan at work that she pays into. This is not covered while on Mat Leave.
She works for a hospital and in order to maintain her benefits while on Mat leave, she is paying privately into it monthly. Can the amount paid while on Mat Leave be claimed as a medical expense?
October 29, 2019
9:50 PM
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Troubleshooting
For more info, please see
Medical expenses: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/ddctns/lns300-350/330-331/menu-eng.html
How to change a return: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/chngrtrn-eng.html
October 29, 2019
9:50 PM
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Troubleshooting
Yes. The premiums she is paying to a private health services plan are eligible medical expenses.
October 29, 2019
9:50 PM
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Thank you! I was wondering if I can also claim my employee-paid premiums for private health services plan? (Blue Cross)
October 29, 2019
9:50 PM
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Yes, you can claim these as well. Also, it is generally more beneficial to combine and claim all of your eligible medical expenses on one spouse's return and usually on the return of the spouse with the lower net income because of the 3% threshold.
October 29, 2019
9:50 PM
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Great! I also now realize that I did not claim medical expenses last year (and others probably) for my premiums paid. Is it possible to claim this year from previous years that I did not claim?
October 29, 2019
9:50 PM
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No. You can only claim eligible medical expenses for a 12-month period ending in the year. You will have to file a T1-Adj to have your prior returns adjusted. Before you do this, you will want to ensure that your medical expenses exceed 3% of your net income (or the maximum threshold amount) If your income is quite high and you have minimal medical expenses, there may be no benefit to claiming the expenses.
October 29, 2019
9:50 PM
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Thank you. So between my wifes and my incomes, the 3% of the net income applies to the higher or lower income earner?
October 29, 2019
9:50 PM
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It applies to the spouse who is claiming the medical expenses. ie) spouse A has a net income of $100,000. Spouse B has a net income of $30,000. It is more beneficial for spouse B to claim all of the medical expenses as only their net income ($30,000) is considered in calculating the credit.
October 29, 2019
9:50 PM