{"id":26339,"date":"2023-08-11T10:01:13","date_gmt":"2023-08-11T14:01:13","guid":{"rendered":"https:\/\/imgsecrets.com\/?p=26339"},"modified":"2023-11-08T06:20:57","modified_gmt":"2023-11-08T06:20:57","slug":"how-much-money-do-doctors-make-in-canada-during-fellowship","status":"publish","type":"post","link":"https:\/\/www.imgsecrets.com\/how-much-money-do-doctors-make-in-canada-during-fellowship\/","title":{"rendered":"How Much Money Do Doctors Make in Canada During Fellowship?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26339\" class=\"elementor elementor-26339\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51af9d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"51af9d9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa21b3f\" data-id=\"aa21b3f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d8d1216 elementor-widget elementor-widget-text-editor\" data-id=\"d8d1216\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The typical middle salary for clinical fellows in Canada sits at around $86,000. To be super accurate, it&#8217;s exactly $85,932. But, the pay playground stretches from about $58,000 to a max of $110,000. So theoretically, your pocket should be jingling with $7,166 each month. But, hold on tight, we&#8217;re not wrapping up just yet. There&#8217;s more to the story.\u00a0<\/p><p>Benefits are in the mix, and the taxman wants his share too. Stick around till the finale, so you can master these ideas and truly grasp what you&#8217;re diving into.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-88f070b elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"88f070b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22861c3\" data-id=\"22861c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6486f39 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6486f39\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/Calendly.com\/IMGSecrets\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book an Appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b2fb51 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1b2fb51\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-748d6bc\" data-id=\"748d6bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bbb1d7 elementor-widget elementor-widget-html\" data-id=\"6bbb1d7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe width=\"909\" height=\"511\" src=\"https:\/\/www.youtube.com\/embed\/Y0SAet-cUPo\" title=\"How Much Money Do Doctors Make in Canada During Fellowship?\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e98a67a elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"e98a67a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a604231\" data-id=\"a604231\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b3fd99 elementor-widget elementor-widget-spacer\" data-id=\"0b3fd99\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-484ca7a elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"484ca7a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66a30b8\" data-id=\"66a30b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-830fa5b elementor-widget elementor-widget-heading\" data-id=\"830fa5b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does the salary of a fellow in Canada depend on?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b2a086b elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b2a086b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9773249\" data-id=\"9773249\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd6d781 elementor-widget elementor-widget-text-editor\" data-id=\"fd6d781\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The amount you earn really hinges on the type of specialty you&#8217;re in and where you&#8217;re stationed. Trust me, I&#8217;ve seen it firsthand \u2013 your field of expertise can be a game-changer. And here&#8217;s the scoop: Canada rocks a government-funded healthcare system. That means the money comes straight from the bigwigs in Ottawa. Now, if the hospital or department&#8217;s rolling in the green, that translates to bigger paychecks for you, the fellows. This is how Canada shapes its salary structure.<\/p><p>Alright, let&#8217;s switch lanes and talk about the perks. Oh, and by the way, if you&#8217;re curious about your potential paycheck based on your training and specialty, you can snag an appointment with me by clicking <a href=\"http:\/\/Calendly.com\/IMGSecrets\" target=\"_blank\" rel=\"noopener\">here<\/a> and we&#8217;ll break it down for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dd4879c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"dd4879c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f08ad3\" data-id=\"6f08ad3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ac280f elementor-widget elementor-widget-image\" data-id=\"9ac280f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/american-bank-banknotes-70980.jpg\" title=\"\" alt=\"american, bank, banknotes-70980.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f89aca0 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f89aca0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-befbc56\" data-id=\"befbc56\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebad26f elementor-widget elementor-widget-heading\" data-id=\"ebad26f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What benefits do Fellow Doctors get in Canada?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a70b5d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"9a70b5d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ae0ab3\" data-id=\"7ae0ab3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4df4c36 elementor-widget elementor-widget-text-editor\" data-id=\"4df4c36\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Alright, let&#8217;s dive into the perks you&#8217;re in for as a clinical fellow, step by step.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e7c697 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"0e7c697\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d798164\" data-id=\"d798164\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4e26ef elementor-widget elementor-widget-heading\" data-id=\"e4e26ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Academic Expenses<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8cfd27 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f8cfd27\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d726c60\" data-id=\"d726c60\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b31b9f elementor-widget elementor-widget-text-editor\" data-id=\"0b31b9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The very first thing that really matters is the extra bit fellows receive, known as professional expenses or academic funds. Think of it as a bonus on top of your regular pay. The amount can vary \u2013 could be anywhere between two to ten thousand dollars per year, all depending on your specialization and the money the department has to spare.<\/p><p>Hold on, though \u2013 this won&#8217;t be handed over as part of your salary. Instead, it&#8217;s set aside for academic expenses. Let me break it down with a few examples: Say you grab a textbook or reading materials crucial for your fellowship. Or you jet off to a conference and even present a paper \u2013 all of this gets covered from that academic funds pot. Cool, right?<\/p><p>Here&#8217;s a real-life tale: During my time as a clinical fellow in Toronto, Ontario, I put my professional funds to use for my USMLE exams. Yep, I basically aced those exams without spending a dime. And guess what? You can do the same. If you&#8217;re gearing up for <a href=\"https:\/\/imgsecrets.com\/how-can-imgs-score-260-on-mccqe1-a-study-strategy\/\" target=\"_blank\" rel=\"noopener\">MCCQE1<\/a> or any other tests, ask your department if they&#8217;re up for supporting you using these academic funds. You could even snag study materials like a USMLE World subscription or the <a href=\"https:\/\/torontonotes.ca\/\" target=\"_blank\" rel=\"noopener\">Toronto notes<\/a> you need to conquer your exams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dcb692c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"dcb692c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56c363a\" data-id=\"56c363a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-147fa43 elementor-widget elementor-widget-heading\" data-id=\"147fa43\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Health Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5efe7bf elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"5efe7bf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4f9ac42\" data-id=\"4f9ac42\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cecdc7 elementor-widget elementor-widget-text-editor\" data-id=\"5cecdc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Canada, has a system where everyone who&#8217;s legally residing there \u2013 whether you&#8217;re a citizen, a permanent resident, or even on a work permit \u2013 gets health insurance.\u00a0<\/p><p>Let&#8217;s take the example of Ontario, a place I know like the back of my hand. They offer this card called OHIP, which stands for Ontario Health Insurance Plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7618e05\" data-id=\"7618e05\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-129fd05 elementor-widget elementor-widget-image\" data-id=\"129fd05\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/disease-health-cost-292571.jpg\" title=\"\" alt=\"disease, health, cost-292571.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f53ac0 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2f53ac0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bbe3204\" data-id=\"bbe3204\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-565a782 elementor-widget elementor-widget-text-editor\" data-id=\"565a782\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-style: inherit; font-weight: inherit; background-color: var(--ast-global-color-5); color: var(--ast-global-color-3);\">So, once you&#8217;ve landed in Canada as a clinical fellow and settled in, you can apply for this OHIP card. This card is like a ticket saying, &#8220;Hey, I&#8217;ve got my health insurance sorted!&#8221; And the cool part? If you&#8217;ve got your family with you \u2013 spouse, kids, the whole crew \u2013 they&#8217;re covered too. They&#8217;re part of the health insurance gang.<\/span><\/p><p>Now, on paper, it might sound like you&#8217;re getting healthcare for free. But, hold on a sec \u2013 it&#8217;s not exactly free, because the money comes from your tax dollars. But let&#8217;s just say it&#8217;s like getting a free pass.<\/p><p>Now, here&#8217;s the catch. While this so-called free health insurance sounds grand, it&#8217;s got its limits. It won&#8217;t foot the bill for prescription medications, for instance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2977e57 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2977e57\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27bfa39\" data-id=\"27bfa39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f36d86 elementor-widget elementor-widget-heading\" data-id=\"2f36d86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Prescription Medications<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d85b865 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d85b865\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26f23e1\" data-id=\"26f23e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76b98d6 elementor-widget elementor-widget-text-editor\" data-id=\"76b98d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So, this free health insurance isn&#8217;t like a magic wand. It doesn&#8217;t cover everything, like prescription meds.<\/p><p>But here&#8217;s the cool part: the hospital might have a plan that helps with prescription meds. Say you need antibiotics \u2013 Well, those can cost a bunch in Canada. But if your hospital has this special benefit, you can use it to pay for those meds. When I was a clinical fellow in Toronto, I had this perk. It&#8217;s very helpful to have this benefit!\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdb6488 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"cdb6488\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c00475a\" data-id=\"c00475a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-07aafe3 elementor-widget elementor-widget-image\" data-id=\"07aafe3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/tablets-medicine-supplement-5620566.jpg\" title=\"\" alt=\"tablets, medicine, supplement-5620566.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3694693 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"3694693\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2a0ba5\" data-id=\"c2a0ba5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54e9c56 elementor-widget elementor-widget-heading\" data-id=\"54e9c56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4. Dental Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5118a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"c5118a2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5215ff\" data-id=\"e5215ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55cbd92 elementor-widget elementor-widget-text-editor\" data-id=\"55cbd92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dental stuff in Canada can cost a lot. Dentists charge big money. So, having dental coverage is super smart. If something goes wonky with your teeth, fixing it might cost thousands of dollars. That&#8217;s why it&#8217;s a must to see if your hospital gives dental benefits. Lots of hospitals I&#8217;ve seen do offer this special dental insurance. It&#8217;s like a safety net for your teeth and your wallet. You can&#8217;t predict when you&#8217;ll need it, so it&#8217;s a good thing to have just in case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-08cff7c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"08cff7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-477cb18\" data-id=\"477cb18\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a710497 elementor-widget elementor-widget-image\" data-id=\"a710497\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/orthodontist-dentist-braces-287285.jpg\" title=\"\" alt=\"orthodontist, dentist, braces-287285.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e59c19 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"9e59c19\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1034231\" data-id=\"1034231\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-677929f elementor-widget elementor-widget-heading\" data-id=\"677929f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5. Eye Care<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4e8e2c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"f4e8e2c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f351bbe\" data-id=\"f351bbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b223a4e elementor-widget elementor-widget-text-editor\" data-id=\"b223a4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Oh, and guess what? Some hospitals throw in extra perks, like eye insurance. It&#8217;s pretty cool \u2013 you get a free eye check-up, and maybe even a prescription for glasses or contact lenses. They might let you do this once a year, or once every two years, depending on how they set up the plan. So, it&#8217;s like a little bonus for your eyes!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-783e339 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"783e339\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d698eb\" data-id=\"1d698eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3816c32 elementor-widget elementor-widget-image\" data-id=\"3816c32\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/glasses-reading-book-2304187.jpg\" title=\"\" alt=\"glasses, reading, book-2304187.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71a6174 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"71a6174\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-be03ff5\" data-id=\"be03ff5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c25ab8 elementor-widget elementor-widget-text-editor\" data-id=\"2c25ab8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So, here&#8217;s the deal \u2013 they bundle up all these extra goodies for us clinical fellows. Now, if you were an <a href=\"https:\/\/imgsecrets.com\/consultant-in-canada-without-residency\/\" target=\"_blank\" rel=\"noopener\">consultant or attending physician<\/a>, you&#8217;d pay more to get these benefits. But, since you&#8217;re a clinical fellow and kind of like a short-term player in Canada until you become a permanent resident or a citizen, you&#8217;re in a different lane. You following? It&#8217;s all about the different systems and how they work.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b9fe3e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b9fe3e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-deddd44\" data-id=\"deddd44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c1d999 elementor-widget elementor-widget-heading\" data-id=\"1c1d999\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How much income tax will i pay as a clinical fellow in Canada?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d36f2d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"1d36f2d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cfeb8f8\" data-id=\"cfeb8f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05f879e elementor-widget elementor-widget-text-editor\" data-id=\"05f879e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Now, let&#8217;s chat about the income tax, my dear IMGs. It&#8217;s like paying Uncle Sam his share. And trust me, it&#8217;s not pocket change. Tax time&#8217;s a big deal.<\/p><p>For example, I&#8217;ll talk about Ontario \u2013 it&#8217;s where I know the best. But hey, if you&#8217;re eyeing another province in Canada, the rules still apply. You&#8217;d want to know how much you&#8217;ll earn and how much you&#8217;ll fork over in taxes. Check out www.imgsecrets.com and book an appointment by clicking <a href=\"http:\/\/Calendly.com\/IMGSecrets\" target=\"_blank\" rel=\"noopener\">here<\/a>, and we can have a sit-down to dig into all these details. It&#8217;s like a tax roadmap!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2770d17 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2770d17\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c2c305\" data-id=\"2c2c305\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a79741 elementor-widget elementor-widget-image\" data-id=\"7a79741\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/imgsecrets.com\/wp-content\/uploads\/2023\/08\/Income-Tax.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5dbeb00 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"5dbeb00\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-816fce9\" data-id=\"816fce9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d482eea elementor-widget elementor-widget-text-editor\" data-id=\"d482eea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let&#8217;s do some math using Ontario as our guide. Say you&#8217;re pocketing 86,000 as a clinical fellow right here in Ontario. That chunk of money is what we call the total pay or the whole package. But wait, taxes want a slice too.\u00a0<\/p><p>There are many online tools available for you to check your taxes. In this case, here&#8217;s how it breaks down based on catalent.com:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-76c8d64 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"76c8d64\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c17dcf1\" data-id=\"c17dcf1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b30c0fb elementor-widget elementor-widget-text-editor\" data-id=\"b30c0fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let&#8217;s break it down even more. Here&#8217;s how your tax situation shapes up:<\/p><ul><li>Federal Tax (or the central government taxes): 14,000 dollars.<\/li><li>Ontario Provincial Tax: ~ 6,600 dollars.<\/li><li>Canada Pension Plan (CPP): ~ 3,500 dollars.<\/li><li>Employment Insurance Deduction: $1,000<\/li><li>TOTAL Taxes: ~$25,000<\/li><li>TAX Bracket: 30%\u00a0<\/li><\/ul><p>Now, something interesting \u2013 as a clinical fellow, you&#8217;re kind of like a temporary worker. Even if you do a one- or two-year fellowship and then decide to head to the US or back to your home turf, you&#8217;ll still have to pay those Canada Pension Plan taxes. No exceptions there.<\/p><p>When you add it all up, your total tax bill comes to about 25,000 dollars. So, roughly speaking, you&#8217;re handing over around 30 percent as income tax. That means, after all is said and done, your annual income \u2013 what you take home \u2013 lands at around 61,000 dollars. And remember, this is before any other deductions you might choose to go for.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f3a1d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"4f3a1d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bae9fca\" data-id=\"bae9fca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-80df4d7 elementor-widget elementor-widget-video\" data-id=\"80df4d7\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/imgsecrets.com\/money-falling-video-mov\/\" controls=\"\" preload=\"metadata\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c729dce elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"c729dce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ce4393\" data-id=\"6ce4393\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46a3f5d elementor-widget elementor-widget-text-editor\" data-id=\"46a3f5d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">This article was first published at www.IMGSecrets.com. If you find this elsewhere this is a stolen content.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5290c87 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"5290c87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c844dba\" data-id=\"c844dba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a847812 elementor-widget elementor-widget-heading\" data-id=\"a847812\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c9dd29 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"8c9dd29\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-636af66\" data-id=\"636af66\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdb8a5d elementor-widget elementor-widget-text-editor\" data-id=\"bdb8a5d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So, after all&#8217;s said and done, you&#8217;re left with around 5,000 dollars in your pocket. It&#8217;s a pretty decent amount to live on, especially if you have a small family. And depending on how many people you&#8217;re supporting and how clever you are with taxes, you might even manage to save a couple of thousand dollars here and there.<\/p><p>Are you following along with how this tax stuff works?<\/p><p>Just to give you a heads-up, out of all the provinces, Nova Scotia has the highest tax rate. They take about 34.4 percent. But at your salary level, you might see a difference of around a thousand or two thousand dollars between places with the lowest and highest tax rates. It&#8217;s kind of like a tax tug-of-war across Canada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c3pfgil elementor-section-full_width elementor-section-content-middle elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"c3pfgil\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4292f5a\" data-id=\"4292f5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d93f44 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"6d93f44\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/videos.files.wordpress.com\/lfVd31q5\/money-falling-video.mov\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a8c8ff0\" data-id=\"a8c8ff0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a893ccd elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"a893ccd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6534f2c\" data-id=\"6534f2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc9b946 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fc9b946\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dr. Rajeev Iyer; MBBS, MD, FASA<br>Associate Professor of Anesthesiology<br>University of Pennsylvania, USA<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d62856 elementor-widget elementor-widget-text-editor\" data-id=\"2d62856\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The opinions expressed in this article are author&#8217;s own and does not represent the opinion of the University of Pennsylvania or any other organization.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-319cf5c elementor-align-left elementor-widget elementor-widget-button\" data-id=\"319cf5c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/Calendly.com\/IMGSecrets\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">I want to work with Dr. Rajeev Iyer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-503923e elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"503923e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b35fea\" data-id=\"1b35fea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The typical middle salary for clinical fellows in Canada sits at around $86,000. To be super accurate, it&#8217;s exactly $85,932. But, the pay playground stretches from about $58,000 to a max of $110,000. So theoretically, your pocket should be jingling with $7,166 each month. But, hold on tight, we&#8217;re not wrapping up just yet. There&#8217;s more to the story.\u00a0 Benefits are in the mix, and the taxman wants his share too. Stick around till the finale, so you can master these ideas and truly grasp what you&#8217;re diving into. Book an Appointment What does the salary of a fellow in Canada depend on? The amount you earn really hinges on the type of specialty you&#8217;re in and where you&#8217;re stationed. Trust me, I&#8217;ve seen it firsthand \u2013 your field of expertise can be a game-changer. And here&#8217;s the scoop: Canada rocks a government-funded healthcare system. That means the money comes straight from the bigwigs in Ottawa. Now, if the hospital or department&#8217;s rolling in the green, that translates to bigger paychecks for you, the fellows. This is how Canada shapes its salary structure. Alright, let&#8217;s switch lanes and talk about the perks. Oh, and by the way, if you&#8217;re curious about your potential paycheck based on your training and specialty, you can snag an appointment with me by clicking here and we&#8217;ll break it down for you. What benefits do Fellow Doctors get in Canada? Alright, let&#8217;s dive into the perks you&#8217;re in for as a clinical fellow, step by step. 1. Academic Expenses The very first thing that really matters is the extra bit fellows receive, known as professional expenses or academic funds. Think of it as a bonus on top of your regular pay. The amount can vary \u2013 could be anywhere between two to ten thousand dollars per year, all depending on your specialization and the money the department has to spare. Hold on, though \u2013 this won&#8217;t be handed over as part of your salary. Instead, it&#8217;s set aside for academic expenses. Let me break it down with a few examples: Say you grab a textbook or reading materials crucial for your fellowship. Or you jet off to a conference and even present a paper \u2013 all of this gets covered from that academic funds pot. Cool, right? Here&#8217;s a real-life tale: During my time as a clinical fellow in Toronto, Ontario, I put my professional funds to use for my USMLE exams. Yep, I basically aced those exams without spending a dime. And guess what? You can do the same. If you&#8217;re gearing up for MCCQE1 or any other tests, ask your department if they&#8217;re up for supporting you using these academic funds. You could even snag study materials like a USMLE World subscription or the Toronto notes you need to conquer your exams. 2. Health Insurance Canada, has a system where everyone who&#8217;s legally residing there \u2013 whether you&#8217;re a citizen, a permanent resident, or even on a work permit \u2013 gets health insurance.\u00a0 Let&#8217;s take the example of Ontario, a place I know like the back of my hand. They offer this card called OHIP, which stands for Ontario Health Insurance Plan. So, once you&#8217;ve landed in Canada as a clinical fellow and settled in, you can apply for this OHIP card. This card is like a ticket saying, &#8220;Hey, I&#8217;ve got my health insurance sorted!&#8221; And the cool part? If you&#8217;ve got your family with you \u2013 spouse, kids, the whole crew \u2013 they&#8217;re covered too. They&#8217;re part of the health insurance gang. Now, on paper, it might sound like you&#8217;re getting healthcare for free. But, hold on a sec \u2013 it&#8217;s not exactly free, because the money comes from your tax dollars. But let&#8217;s just say it&#8217;s like getting a free pass. Now, here&#8217;s the catch. While this so-called free health insurance sounds grand, it&#8217;s got its limits. It won&#8217;t foot the bill for prescription medications, for instance. 3. Prescription Medications So, this free health insurance isn&#8217;t like a magic wand. It doesn&#8217;t cover everything, like prescription meds. But here&#8217;s the cool part: the hospital might have a plan that helps with prescription meds. Say you need antibiotics \u2013 Well, those can cost a bunch in Canada. But if your hospital has this special benefit, you can use it to pay for those meds. When I was a clinical fellow in Toronto, I had this perk. It&#8217;s very helpful to have this benefit!\u00a0 4. Dental Insurance Dental stuff in Canada can cost a lot. Dentists charge big money. So, having dental coverage is super smart. If something goes wonky with your teeth, fixing it might cost thousands of dollars. That&#8217;s why it&#8217;s a must to see if your hospital gives dental benefits. Lots of hospitals I&#8217;ve seen do offer this special dental insurance. It&#8217;s like a safety net for your teeth and your wallet. You can&#8217;t predict when you&#8217;ll need it, so it&#8217;s a good thing to have just in case. 5. Eye Care Oh, and guess what? Some hospitals throw in extra perks, like eye insurance. It&#8217;s pretty cool \u2013 you get a free eye check-up, and maybe even a prescription for glasses or contact lenses. They might let you do this once a year, or once every two years, depending on how they set up the plan. So, it&#8217;s like a little bonus for your eyes! So, here&#8217;s the deal \u2013 they bundle up all these extra goodies for us clinical fellows. Now, if you were an consultant or attending physician, you&#8217;d pay more to get these benefits. But, since you&#8217;re a clinical fellow and kind of like a short-term player in Canada until you become a permanent resident or a citizen, you&#8217;re in a different lane. You following? It&#8217;s all about the different systems and how they work. How much income tax will i pay as a clinical fellow in Canada? Now, let&#8217;s chat about the income tax, my dear IMGs. It&#8217;s like paying Uncle Sam his<\/p>\n","protected":false},"author":1,"featured_media":26392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-26339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-medical-graduate-in-canada"],"_links":{"self":[{"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/posts\/26339","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/comments?post=26339"}],"version-history":[{"count":4,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/posts\/26339\/revisions"}],"predecessor-version":[{"id":26879,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/posts\/26339\/revisions\/26879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imgsecrets.com\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/media?parent=26339"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/categories?post=26339"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imgsecrets.com\/wp-json\/wp\/v2\/tags?post=26339"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}