Scenario Planner
What would I lose if I left for a while?
Pick your province, how long you would be away, and where you are going. We calculate the federal US tax exposure, provincial health coverage status, and the dollar value of benefits at risk.
Your situation
Custom days. 1 to 730.
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Result
$12,573 to $27,513
Annualized benefits at risk over the planned absence.
Over 7.1 months away, roughly $12,573 to $27,513 in annualized benefits at risk, plus Ontario health coverage at risk, plus US Substantial Presence Test triggered. Biggest item at risk: OHIP (medical, hospital, diagnostic).
Federal — US tax residency
Substantial Presence triggered
Substantial Presence Test triggers around day 183. File Form 8840 (Closer Connection Exception) by April 15 to preserve nonresident status, or claim treaty position via Form 8833.
Provincial — OHIP coverage
Coverage at risk
OHIP coverage will be at risk after day 212. Contact the provincial health authority before the absence begins. Re-entry wait on return: 0 days.
Ontario provincial benefits at risk
- OHIP (medical, hospital, diagnostic)
- Ontario Trillium Benefit (OSTC + OEPTC)
- Ontario Child Benefit
- ODB / Trillium Drug Program (seniors + catastrophic)
- OSAP (for dependents in school)
- GAINS (low-income seniors)
- Free K-12 (for dependents)
Federal benefits at risk
GST/HST Credit
Based on residency for tax purposes at start of quarterly payment period. Stops if non-resident.
Canada Workers Benefit (CWB)
Requires Canadian residency throughout the tax year.
Climate Action Incentive Payment / Canada Carbon Rebate
Requires Canadian residency at start of payment month.
Employment Insurance (EI)
Generally stops if outside Canada. Specific exceptions for some categories. Insurable hours from abroad usually do not count.
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