Family Healthcare and Tax Benefits

Family Healthcare

Private Coverage

As a registered student, you are automatically covered by Memorial's Foreign Health Insurance Plan, however your dependents are not automatically covered under this plan. If your spouse and/or children are accompanying you to Canada, you can opt-in your dependents into the Foreign Health Insurance Plan by visiting the ISA office and completing an opt-in form.

Depending on your circumstances, you may be eligible to cancel your Foreign Health Insurance and transfer your health coverage to a student union plan if certain conditions are met.

Student union health insurance plans (MUNSU for undergraduate students and GSU for Graduate students) have different coverage than the Foreign Health Plan and are usually less expensive. For information about student health insurance plans, visit our health website. If you are covered by one of the student union health plans, you must contact them to find out how to opt-in your dependents to their health plan.

Public Coverage - Medical Care Plan (MCP)

The program applies to any foreign individual issued an official study permit by Citizenship and Immigration Canada (CIC) before entering Canada. The student must be attending Memorial University for at least 12 months. The dependents of the student will also be covered under MCP, provided they are living in the province and have relevant documentation to support their application. The documents should be for a period of time of 12 months or greater. There is no coverage if less than 12 months. Coverage will become effective for eligible students and dependents on the date of full enrollment in full time studies at Memorial University.

For more information regarding MCP coverage, visit the Provincial Government of NL Department of Health and Community Services website.

Family Tax Benefits

As a parent in Canada, you may be eligible to receive tax benefits after you have been in Canada for 18 months.

Canada Child Benefit (CCB)

The Canada child benefit is a tax-free monthly payment made to eligible families to help them with the cost of raising children under 18 years of age. The CCB might include the child disability benefit and any related provincial and territorial programs.

The Canada Revenue Agency uses information from your income tax and benefit return to calculate how much your CCB payments will be. To get the CCB, you have to file your return every year, even if you did not have income in the year. If you have a spouse or common-law partner, they also have to file a return every year.

Benefits are paid over a 12-month period from July of one year to June of the next year. Your benefit payments will be recalculated every July based on information from your income tax and benefit return from the previous year.

  • For international student families to be eligible:
  • You must live with the child, and the child must be under 18 years of age.
  • You must be primarily responsible for the care and upbringing of the child.
  • You must be a resident of Canada for tax purposes.
  • You or your spouse or common-law partner must be:

- Canadian citizen

- a permanent resident

- a protected person

- a temporary resident who has lived in Canada for the previous 18 months, and who has a valid permit in the 19th month

Canada Child Benefit - How To Apply

For further information regarding application and eligibility, visit the Canada Revenue Agency website.

Contact

Internationalization Office

230 Elizabeth Ave

St. John's, NL A1B 3X9 CANADA

Tel: (709) 864-2530

Fax: (709) 864-2552

becomestudent@mun.ca