When you move to Canada, you gain more than just a new address—you also become part of a society that offers strong public systems to support your health, education, and financial stability. But as a newcomer, it’s not always easy to figure out which benefits you’re entitled to and how to access them.
This guide breaks down the most essential systems—healthcare, education, and taxes—so you can start using them confidently and avoid missing out.
Healthcare: When and How You’re Covered
Canada’s healthcare system is publicly funded, meaning most essential medical services are covered by the government. But coverage varies by province, and timelines can differ:
- Immediate coverage: Ontario, Alberta, and British Columbia
- 3-month waiting period: Manitoba, Nova Scotia, Saskatchewan, and others
What’s covered: Doctor visits, emergency care, hospital stays, surgeries, diagnostic tests
What’s not covered: Prescription drugs (outside hospitals), dental care, vision care for adults
Pro Tip: Apply for your health card ASAP, and consider temporary private insurance during the wait period.
Education: Free, Inclusive, and Multicultural
Canada offers free public education for children from kindergarten to Grade 12, regardless of immigration status:
- Multicultural, inclusive public school systems
- ESL/FSL programs and newcomer support workers
Post-secondary: Newcomers can apply for scholarships, government loans, and grants once residency criteria are met.
Tip: Register children at your nearest school board office with proof of address and immigration documents.
Tax Benefits: Money Back in Your Pocket
GST/HST Credit
- Quarterly payment to help offset sales taxes
- Available to low- and middle-income earners, including newcomers
Canada Child Benefit (CCB)
- Monthly, tax-free payments for children under 18
- Based on income and family size
Even with no income, file taxes to qualify for benefits.
How to Access These Systems
- Healthcare: Apply through your province’s health ministry
- Education: Contact your local school board or settlement agency
- Taxes: File a return—even with no income
Free tax clinics are available in spring through local community centres and agencies.
Final Word: Knowledge Is Power
Canada’s public systems support your health, family, and finances—but only if you use them. Be proactive. Ask questions. Get help from settlement services. Your new rights are waiting—claim them with confidence.
