Your Essential Guide to Canadian Public Services & Support

Healthcare in Canada

Canada's healthcare system is publicly funded, offering universal access to medical services for citizens and permanent residents. Each province and territory manages its own health insurance plan. Registering for a provincial health card is your first step to accessing doctor's visits, hospital care, and other essential services.

Key Provincial Health Plans:

• OHIP (Ontario Health Insurance Plan): Covers most basic medical services in Ontario. Eligibility typically requires being a permanent resident or Canadian citizen and residing in Ontario for a specific period. Learn more about OHIP
• MSP (Medical Services Plan): British Columbia’s health insurance. Registration is mandatory for BC residents. Explore BC's MSP
• RAMQ (Régie de l'assurance maladie du Québec): Quebec's health insurance board, managing health and prescription drug insurance plans. Visit RAMQ website

Last Updated: June 2025

Government Benefits & Tax Credits

The Canadian government offers various financial benefits and tax credits to support its citizens, families, and individuals. These programs aim to improve financial stability and provide assistance in different life stages.

Important Programs:

• Old Age Security (OAS) & Guaranteed Income Supplement (GIS): Monthly payments for seniors, available to most Canadians 65 and older who meet residency requirements. GIS provides additional support for low-income seniors. Find out about OAS and GIS
• GST/HST Credit: A tax-free quarterly payment that helps individuals and families with low and modest incomes offset the goods and services tax/harmonized sales tax.
• Canada Child Benefit (CCB): A tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age. Details on CCB
• Disability Tax Credit (DTC): A non-refundable tax credit that helps reduce the income tax payable by individuals with severe and prolonged mental or physical impairments.

Last Updated: June 2025

Taxes & Filing Information

Understanding Canada's tax system is essential for all residents. The Canada Revenue Agency (CRA) is responsible for administering tax laws for the Government of Canada. This includes collecting income tax, GST/HST, and administering various social and economic benefit programs.

Key Tax Aspects:

• CRA (Canada Revenue Agency): Your primary resource for all tax-related matters. It's crucial to register for a CRA My Account to access your tax information, review benefits, and file returns. Visit the CRA website
• Filing Your Income Tax Return: Most residents are required to file an annual income tax return by April 30th each year. Even if you have no income, filing can ensure you receive eligible benefits.
• Tax Refunds: If you've paid more tax than required throughout the year, you may be eligible for a refund. Filing your return is the only way to claim it.

Last Updated: June 2025

Education & Student Support

Canada is a world leader in education, offering high-quality institutions from elementary schools to universities. For international students, various pathways and support systems are available to ensure a successful academic journey.

Key Information for Students:

• Canadian Colleges & Universities: Explore diverse programs and institutions across the country. Research admission requirements, tuition fees, and program offerings.
• Study Permit: International students require a study permit to study in Canada. Understanding the application process and necessary documentation is critical. Apply for a Study Permit
• EduCanada: The official source for studying in Canada, providing information on education, scholarships, and resources for international students. Visit EduCanada

Last Updated: June 2025

Newcomer Essentials

Arriving in a new country comes with many practical tasks. Canada has resources to help newcomers settle in quickly and effectively.

First Steps Upon Arrival:

• Social Insurance Number (SIN): A 9-digit number you need to work in Canada or to receive government benefits. Apply for it as soon as you arrive. Apply for SIN
• Opening a Bank Account: Essential for managing your finances, receiving wages, and paying bills. Most major banks offer specific accounts for newcomers. Guidance on opening a bank account
• Finding Housing: Research housing options (rentals, temporary accommodation) before or upon arrival. Understand tenant rights and provincial regulations.
• Getting a Phone Number & SIM Card: Crucial for communication, job searching, and connecting with services.

Last Updated: June 2025

About Our Author

David Miller, Policy Analyst

David Miller is a seasoned policy analyst with extensive experience in Canadian government programs and public services. With a background in public policy and a strong commitment to civic engagement, David has spent years researching and simplifying complex governmental information for the public. His expertise lies in social programs, economic policy, and regulatory affairs, making him a reliable source for navigating Canada's administrative landscape. He is passionate about empowering individuals with accurate and accessible information to foster better understanding and utilization of public resources.

Last Updated: June 2025