Myth: Canadian Armed Forces members don’t pay income tax.
Fact: All members of the Canadian Armed Forces (CAF) pay taxes. We pay income taxes based on the same rates as any other Canadian citizen. There are no exceptions. When posted outside the country, (like we are in England right now) we still pay income taxes based on our Canadian income. If you’re paid by the Canadian government, you pay Canadian income tax. Exception: Some portions of additional income earned during a deployment (e.g. Afghanistan) are classed as non-taxable. The basic CAF salary and certain benefits are still fully taxable.
Myth: Canadian Armed Forces members don’t pay sales taxes when they shop on the military base at Canex Stores.
Fact: All CAF members pay sales tax just like any citizen of the province regardless of where they shop. Canex Stores charge federal and provincial sales taxes just like any other store. One benefit to shopping at Canex is that CAF members can take advantage of the low-interest payment plan for large purchases (furniture, appliances) and have payments deducted directly from their pay.
Myth: Canadian Armed Forces get all kinds of pay benefits.
Fact: There are specific benefits to which CAF members are entitled to ensure that their standard of living is similar regardless of where they live in the world. Many of these benefits are taxable meaning that CAF members pay income tax on those benefits.
Myth: Canadian Armed Forces members who live out-of-country are not affected by exchange rates.
Fact: CAF members are paid in Canadian dollars that are converted to the currency in which the member is posted. For example, we are paid in Canadian dollars and that is deposited into our UK bank account in Pounds Sterling. The exchange rate (at the time this blog post was written) is 1.96. This means that an annual income of $100,000 Canadian dollars works out to about £51,000. Note: The daily exchange rate is not used to convert pay; an average monthly exchange rate is used. This helps offset any daily fluctuations that would occur on a specific payday.
Myth: Canadian Armed Forces members living in military housing do not pay rent.
Fact: In a previous post, I explained that we do indeed pay rent. The CMHC and provincial standards govern rental rates. There are provisions in the Military Foreign Service Instructions to ensure that CAF members posted abroad are not subject to extreme rental rates.
Myth: Family members of Canadian Armed Forces can fly anywhere in the world for free.
Fact: Oh I wish!!! This is not true. There are opportunities for families to travel however they are few and far between and there is a fee, albeit small compared to commercial airlines. Additionally, military business has priority on military flights. This means that you might arrive somewhere and not be able to return easily or you may not get a connecting flight.
Myth: Family members of Canadian Armed Forces are taken care of by military doctors and dentists.
Fact: Military doctors and dentists treat only CAF members. Family members must register with the provincial health care system and find their own family doctors and dentists. This includes out-of-country postings. NOTE: For out-of-country postings in some cases where a family member requires specialized care or medications, the military doctors will liaise with local health specialists to ensure the family member receives proper care and medications.
Myth: The Canadian Armed Forces provide schooling for children of military families.
Fact: No. Children of military families attend local schools. The military does not provide additional funding if the local schools do not provide education in the family’s language of choice (i.e. English or French). In out-of-country postings, there is funding provided for children to remain in Canada at boarding school or have second-language tutoring.
Myth: The Canadian Armed Forces get to choose where they are posted (where they work/live).
Fact: CAF members are asked for their posting preferences but that does not mean that the requests will be granted. Just like any major corporation, the CAF posts members based on the member’s talents and experience and available job opportunities within the CAF.
Do you have any myths you want busted? Write in and let me know!
A couple of weeks ago, our family had the opportunity to take a bus tour of some of the World War I battlefields with fellow Canadians posted in the UK.
We started the first day very early in the morning and left the Canadian detachment near London at about 06h00. We made great time and had a few minutes to shop at the duty-free store before our Eurotunnel crossing. The Eurotunnel was extremely boring. The bus drove onto the train, parked and we just sat there for about 45 minutes. The only way I knew that we were going down under the Channel was that my ears popped. It was smoother riding in the bus on the train through the tunnel than it was driving the bus on the road!
|Our first stop was the Vimy Ridge Memorial. During the Battle of Arras in April 1917, the four divisions of the Canadian Corps, fighting side by side for the first time, scored a huge tactical victory in the capture of the 60 metre high Vimy Ridge. There were 11,000 casualties and of those, 3600 were fatalities. The monument is inscribed with the names of 11,285 Canadian soldiers who were listed as “missing, presumed dead” in France.|
|Just prior to visiting the Memorial, we stopped at the Interpretive Centre for Vimy Memorial Park so that we would better understand what happened in the battle. We had a guided tour of the tunnels and trenches that the soldiers lived in during the war. We learned about how the Canadians advanced on the German positions behind a “creeping barrage.” This precise line of intense artillery fire advanced at a set rate and was timed to the minute. The Canadian infantrymen followed the line of explosions closely. This allowed them to capture German positions in the critical moments after the explosions but before the enemy soldiers emerged from the safety of their underground bunkers. It was a chilly, windy day when we visited the Centre. I can’t imagine what the soldiers endured during the snow and the wind on that day in April 1917.|
|We moved on to the Beaumont-Hamel Newfoundland Memorial. It is beautiful but sad. On 1 July 1916, of the 798 soldiers (all ranks) that deployed into the trenches, only 110 remained unscathed. That works out to an 86% death rate for all ranks; 100% of the officers were killed.|
We also visited the Theivepal Memorial, and the Courcelette, St. Julien, Hill 62 (Sanctuary Wood) and Passchendaele Canadian Memorials as well as Tyne Cot and Adanac Cemeteries. We saw the Lochnagar Crater Memorial, a typical crater that was produced by tunnelling under enemy territory, filling a cave with explosives – over 27,000 kg! 6,380 officers and men were lost that day.
I was very impressed with the preservation of many of the sites an the respect that people have for the history. There was a small site preserving some of the trenches in the middle of an industrial park in Ypres. There were cemeteries and memorials in the middle of farming fields. There would be a path from the roadway to the memorial or cemetery so people could visit.
|The area around northern France and Belgium is beautiful rolling farmland. It just amazed me that people could have a war and do such damage to such a wonderfully productive agricultural area. This is a picture from just outside Ypres. See the slag heaps? They are the same ones seen in this picture from the Vimy Memorial!|
|The highlight of the trip for our family was placing a wreath at the Menin Gate Last Post Ceremony. Every day, at 20h00 the Last Post ceremony takes place. We remember the terrible and turbulent years of the Great War and we pause to remember our dead. The local police halt traffic and the crowds gather – every single night! It is very impressive!|
|On our way home we were lucky enough to take the ferry crossing from Calais to Dover. The white cliffs are an impressive site. I can just imagine the feeling of the soldiers seeing the cliffs as they were on their way home from the war.
(Unfortunately, it was pouring rain our our ferry journey so I was unable to get a good photo of the cliffs.)
Although I had a deep appreciation for Remembrance Day prior to this trip, I now have a deeper understanding of what the soldiers endured during the Great War. Je me souviens!
I’m pretty diligent about keeping our family’s vaccination records but I bet there are not a lot of people that are so diligent.
In most provinces, you get a small folded bit of paper at birth (actual size 10x15cm) on which to record all the vaccinations for your entire life. You must keep this little paper safe at all times and take it with you to every immunization appointment.
What if the vaccination card is:
- stored in a pocket and goes through the wash and gets destroyed?
- kept in your wallet and your wallet is stolen?
- is just plain old lost?
Ah, you’re thinking you just go to your family doctor and he/she will have all of the records.
Not so fast!
If you’re a military family, you may have just moved and you don’t have a family doctor. You can’t get your medical records shipped from your old doctor because he/she will only ship them to a new doctor. There is also the possibility that you got your vaccinations from a public health nurse or school nurse who doesn’t necessarily pass on the information to your family doctor. You might try to get the information from the public health unit in your former province but if you don’t have your health card number from way back then, your records probably won’t be found.
To make matters worse, vaccinations schedules are different in almost every province.
The main immunizations (diphtheria, pertussis, polio, tetanus, measles, mumps and rubella) are pretty much consistent. However, the schedule of other vaccinations such as chicken pox, HPV, Hepatitis A&B are different or are optional.
Canada has an immunization schedule tool but it is useless you were born before 2009 or if you’ve lived in 4 different provinces and, heaven forbid, you move from one province to another when you’re in the middle of receiving a series of vaccines.
What happens if parents don’t bother to keep records and have moved frequently?
Canada, you NEED a national health records system.
What are your suggestions to make immunization and health care better for Canadian military families?
Lauren over at The Military Wife and Mom provides a list of reasons why being a military spouse is so hard.
I agree that it takes a whole lot of courage and lots & lots of big girl panties!
Because of the Statute of Forces Agreement (SOFA) and the reciprocity between Canada and the UK, dependants (spouses, children) of Canadian Armed Forces members are eligible to receive work visas for the duration of their overseas posting.
If dependents wish to get a job in the UK they must apply for a National Insurance Number, the equivalent to Canada’s Social Insurance Number. It is a straightforward process. I applied for my own number and my son obtained his number as well.
I applied for a few jobs in the local area and I registered with a couple of temp. agencies. I also applied for a job as a cashier/clerk at the Innsworth Special Store, a little duty-free shop at Imjin Barracks in Innsworth. The shop is administered by the Canadian Forces Morale and Welfare Services and offers duty-free products to foreign military personnel serving with NATO’s Allied Rapid Reaction Corps (ARRC).
I am happy to announce that this is my one-year anniversary of working at the Innsworth Special Store. Being a cashier/clerk at this store is one of the most fun jobs EVER because I’m able to apply a wide base of knowledge.
I am able to apply all of the experience I gained when I was running my own business. We think about brand management, financial statements, and customer engagement and satisfaction. My chain of command is a filled with really cool people; open to new ideas and different ways of doing things. We listen to each other. We discuss options. My bosses clearly explain why certain things must be done a certain way but they are also willing to take new ideas up the chain of command if they feel those ideas are in the best interest of the business. It is really an entrepreneurial environment.
Organizing & Productivity
The store has only been operating for two years. This means I have had the chance to organize and implement procedures to increase productivity. From ordering product to final sale, we’ve been simplifying and streamlining. I’ve had the opportunity to write standard operating procedures and establish a records management system for both paper and electronic records.
Strict laws laid out by Her Majesty’s Revenue and Customs (HMRC) mean that only entitled persons assigned to one of the authorized NATO delegations at the ARRC are permitted to purchase duty-free alcohol or tobacco goods from the Innsworth Special Store. Additionally, entitled persons must adhere to their ration limits.
Because of the HMRC regulations, we have a finite number of customers. We get to know them and their families. We can tailor our line of products and our communications to ensure our customers are satisfied. Every few months some people are posted out and new people arrive. It is hard to say good-bye to our customers but already I’ve received invitations to visit Greece, Italy and France.
Learning New Things
We sell wine, beer, spirits, tobacco products and fragrances. I have to know about all of these products to make recommendations to customers. I am enjoying researching about how all of these products are made, learning how brands differ from one another and doing personal testing of many of the products too!
This is a GREAT job and I’m really lucky!
P.S. For the past year I have also been privileged to write about organizing and productivity with a great team of people at Unclutterer.com!
It is always particularly difficult for me to write about Remembrance Day; to thank all of those who gave their lives for our freedom and way of life. This year it is even more difficult as we lost two Canadian soldiers on home territory to violence this year.
Training for combat is also very risky so my sympathies extend to to the family, friends and brother-in-arms of Pte. Steven Allen this year as well.
Je me souviens.
When 45-year-old Ellen Michaels loses her husband to a tragic military accident, she is left in a world of gray. For 25 years her life has been dictated by the ubiquitous They—the military establishment that has included her like chattel with John’s worldly goods—his Dependents, Furniture, and Effects. They—who have stolen her hopes, her dreams and her innocence, and now in mere months will take away the roof over her head. Ellen is left with nothing to hold on to but memories and guilt and an awful secret that has held her in its grip since she was 19. John’s untimely death takes away her anchor, and now, without the military, there is no one to tell her where to go, what to do—no one to dictate who she is. Dependent deals with issues ever-present in today’s service families—early marriage, frequent long absences, the culture of rank, and posttraumatic stress, as well as harassment and abuse of power by higher-ranking officials. It presents a raw and realistic view of life for the lives of the invisible support behind the uniform.
In her book “Dependent,” Brenda Corey Dunne paints a realistic portrait of the day-to-day life of a military spouse – a dependent. Brenda does an excellent job of describing the emotional conflict within the main character Ellen – from the sadness of abandoning her career to the joy and pride of raising her children. Over the course of the story we see Ellen come to terms with her choices and draw strength from her experiences.
There are scenes in the story that I’m sure every military spouse has experienced:
- Overhearing vicious gossip in the ladies’ room
- Participating in banal conversation at an official function
- Struggling to make the military housing office understand that the broken furnace needs to be repaired in the middle of winter
- Trying to make ends meet with only one income
The story flashes between past and present. Chapters are titled based on the house Ellen lived in at the time (House No. 13, House No. 2 etc.) but the reader never really finds out in which cities Ellen has lived. As a military spouse myself, I understand why. It really doesn’t matter which city you’re in. Each geographical location has its own challenges and you’re never there long enough to get used to it anyway so does it really matter what city you’re in?
This is a well written book to which every military spouse can relate. It is also a book that military spouses can give to their non-military family and friends and say, “Here is a window into what my life is like and these are some of the things I struggle with.”
I read the book in three hours. I couldn’t put it down.
From one “Niner Domestic” to another, Thanks Brenda!
Where to find “dependent”
Click on these links to find “dependent”
BRENDA COREY DUNNE, trained as a physiotherapist, worked several years as a Physiotherapy Officer in the Royal Canadian Air Force before meeting the love of her life, RCAF Colonel Tom Dunne, and becoming a military dependent herself. Due to posting this summer, Brenda and her family recently sold their small hobby farm in Eastern Ontario and successfully drove across Canada hauling a horse in a trailer.