Итак, однозначно +3500 чистыми в СPP т.е. уже на эту сумму в год на руки зп должна быть выше.
RRSP: со свободными деньгами первое время думаю будет напряг т.к. семья большая, а работать буду пока я один. Правильно я понимаю, что это работает так - нужно просить работодателя переводить себе в RRSP до того как он налоги выплатит? И американская компания это не умеет/не может?
С мед страховкой сложнее. Вроде медицина в Канаде бесплатная (из налогов), но как я понимаю члены семьи и сам работающий могут получать разные дополнительные плюшки от работодателя.
А как можно часть аренды из налогов списать?
Это доступно только при работе на канадского работодателя?
Если супруга не работает, то знаю, что можно в конце года подать декларацию и получить около 12к (выходит 1к в месяц, я на это насчитываю
). Один формумчанин писал, что за него бухгалтерия каждый месяц что-то подает и он эту 1000 получает ежемесячно (вообще идеально). Американский работодатель 100% ничего ежемесячно подавать не станет, но в конце года можно будет за неработающую жену получить 12к?
Ну и пользуюсь случаем спрошу, это частая практика, получать ежемесячно около 1000 за неработающую спуругу, работая на канадские компании, или в основном в конце года только?
Решил запостить сюда предлагаемые бенефиты IT компании США - AvenueCode. Хотел бы услышать мнение форумчан это норм или нужно где-то торговаться дополнительно или зп просить поднять?
Они берут к себе в штат, а потом перепродают другим компаниям на проекты. Прошел собес с ними, потом с клиентом (Fanatics, американская платформа по продаже брендированной спортивной одежды и атрибутики). Прямо хотят, чтобы я их оффер принял скорее, а я не представляю всех особенностей и не хочу торопиться.
1 - Medical Assistance
Avenue Code offers a medical plan – Supplement Plan – through Sun Life Assurance
Company of Canada (Sun Life).
● Employees have 31 days from the date they become eligible to request coverage
for themselves and/or their dependents;
● Dependents become eligible for coverage on the date the employee becomes
eligible or the date they first become their dependent;
● Deductible - is the portion of claims that the employee is responsible for paying:
- For prescription drugs: none.
- For other expenses: The deductible is $50 each benefit year for each
person up to a maximum of $100 per family.
● Drug card plan Included;
● Reimbursement level:
| CONFIDENTIAL 1
- Prescription drugs have 70% of reimbursement
- In-province hospital: have 100% of reimbursement, without the
deductible, of the difference between the cost of a ward and a semi-private
hospital room
- Convalescent hospital: have 100% of reimbursement, without the
deductible, of the difference between the cost of a ward and a semi-private
room, up to $20 per day for a maximum of 180 days for treatment of an
illness due to the same or related causes.
2 - Emergency Travel Assistance
Avenue Code, alongside Allianz Global Assistance (AZGA), provides its employees an
Out-of-province emergency services assistance.
● This benefit grants the emergency portion of your Extended Health Care
coverage in case of a medical emergency when travelling outside of the province
where you live.
● Emergency means an acute illness or accidental injury that requires
immediate,medically necessary treatment prescribed by a doctor.
● It covers emergency services that the employees obtain within 60 days of leaving
the province where they live.
● If hospitalization occurs within this time period, in-patient services are covered
until the employee is discharged.
| CONFIDENTIAL 2
3 - Dental Assistance
Avenue Code offers a dental plan – Supplement Plan – through Sun Life Assurance
Company of Canada (Sun Life):
● Employees have 31 days from the date they become eligible to request coverage
for themselves and/or their dependents;
● Dependents become eligible for coverage on the date the employee becomes
eligible or the date they first become their dependent;
● Deductible - $50 each benefit year for each person up to a maximum of $100 per
family.
● Avenue Code funds 70% of Basic and Preventive procedures and 50% of Major
Procedures. Employees are responsible for the remainder of plan costs, if any.
4 - Vision Assistance
The Vision Assistance allows the employee to do 1 eye exam per 24 months. 100%
coverage to a maximum of $300 for Lenses, Frames and laser eye surgery per 24
months (12 months for dependents under 18).
5 - Long-Term Disability
Long-Term Disability is an insurance policy that protects an employee from loss of
income in the event that he or she is unable to work due to illness or injury for a long
period of time.
| CONFIDENTIAL 3
● Long-term disability insurance provides the employee a monthly check to replace
a portion of her/his income once their claim is approved, which can help lessen
the financial impact of a covered disability;
● During the elimination period and the following 24 months (this period is known
as the own occupation period), the employee will be considered totally disabled
while she/he is continuously unable due to an illness to do the essential duties of
her/his own occupation.
● The Maximum amount of coverage is 66.67% of the employee’s monthly basic
earnings up to a maximum of $6,000. For coverage in excess of the amount
indicated under Proof of good health, your coverage is subject to approval by Sun
Life.
6 - Life and AD&D Insurance
Avenue Code offers company-paid basic life and accidental death and dismemberment
(AD&D) plans. The Company pays for basic life insurance coverage valued at 1X Earnings
Basic Life & AD&D.
7 - Commuter Benefits
Avenue Code provides a 90% reimbursement for the value of the Opus monthly card.
This card gives access to regular bus and metro lines and you can choose between the
following options:
● Opus Card Monthly Pass - every month you need to recharge your card;
● Opus à l'année - you subscribe online and all payments are debited from your
credit card.
| CONFIDENTIAL 4
For any of the options described above, you need to submit your receipt for the 90%
reimbursement to your Avenue Code manager via ACDC (internal timesheets and
reimbursements system).
8 - Health & Fitness Program
Avenue Code will reimburse up to $300 a year for health club membership dues or
classes as follows:
● Avenue Code will reimburse up to $300 per calendar year to offset recognized
health club membership or class costs;
● Health and Wellness reimbursements are considered for the following activities:
❖ Gym memberships;
❖ Fitness classes (including Yoga, dance lessons, etc);
❖ Workout equipment;
❖ Bicycles;
❖ Equipment maintenance;
❖ Psychological assistance;
❖ Mental health-related activities.
● Reimbursements do not apply to sportswear costs, supplements, in-gym food or
drinking costs. Submitted costs are subject to review.
9 - Time Off
● Vacation: Every employee has an amount of vacation days that is 17 days. Your
vacation balance is accrued during the year, so the math would be “number of
vacation days” * “8 hours” / “26 pay periods”. Even though you have X days of
| CONFIDENTIAL 5
vacation, they are counted hourly. That means that you do not need to take full
days, you can choose to take a few hours as well. Vacation days roll over to the
next year if not utilized and they are accrued starting on your first day with
Avenue Code. They max out at 180 hours (for employees entitled to 17 days), so
you should take time off before your balance reaches that number.
● Personal Days: Every employee has 3 available personal days per calendar year.
Personal days are full-day events, they are not hourly as vacation days and they
are not accrued. All employees have available 3 personal days from their first
day until December 31st of each year. Between that date and January 1st, all
personal days balance are reset and everyone gets 3 more personal days for the
following year. Personal days balance is paid proportionally to working days in
the calendar year on termination of employment.
● Paid Holidays: Avenue Code offers 8 paid Holidays during the year (Good Friday
or Easter Monday, Victoria Day, Fete Nationale, Canada Day, Labour Day,
Thanksgiving, Christmas Day and New Year’s Day).
10 - Training Incentive
Avenue Code is all about continuous learning. That is why we offer to our the following
career growth opportunities:
● Certification Reimbursement Program: All employees are eligible to get
reimbursed for certifications that contribute to their development. Our list of
applicable certifications includes Java, Mulesoft, Oracle, AWS, Docker and many
other options;
| CONFIDENTIAL 6
● Udemy Online Training: We offer a rotational access to Udemy, which is a
worldwide training platform that offers training and courses in different areas,
such as Cloud Computing, Data Science, Design, Development, Finance &
Accounting, Human Resources, IT Operations, Leadership & Management and
many more;
● Conferences and Training: Avenue Code offers a reimbursement package*, as
well as additional personal days for Engineers and PMOs to attend conferences
and training that relates to their work with the company.
*The package is conditioned to time with the company and manager approval
11 - Performance Reviews
Avenue Code offers the opportunity of Quarterly performance reviews. The annual
review presents an opportunity for a possible promotion or performance bonus up to
3% of the yearly salary.
к ланчу - подьехало такси и забрало Вас в аэропорт - ни кто слова не скажет...