Being in a Canadian workforce for several years, I have learn not to ask about the salary in an interview.
Well, you’ll already have an idea in the job advertisement and sometimes preferred compensation is included in the resume (don’t forget to do the research).
It’s another way around for anyone who is looking for either live-out or live-in caregiver jobs.
You have to know the caregiver salary in Canada before you sign the contract.
Numbers are significant because it will affect your financial status in the long run.
When I applied as a caregiver from the Philippines, I knew nothing much about the salary because I was more interested in coping with the weather.
It turns out that I’ll never get used to the weather but I am now interested in personal finance more than ever.
With hunger for knowledge and experience, I’ll help you navigate the personal finance of a caregiver because I’m not just throwing figures here.
You’ll learn things every aspiring caregivers or who are already working in Canada yet might have missed a thing or two.
- Median wage of caregivers
- What’s in your payslip and how is it made
- Canadian tax or other deductions
- Work hours, holidays etc.
Are these too much for a blog post?
I don’t think so. You’ll soon find out how each topic are connected and equally important.
Caregiver Salary in Canada (According to Provinces)
For anyone looking for caregiver jobs, the first thing to do is to look for an employer. It’s the most challenging part.
While you are on the lookout for a prospective employer wherever in Canada, consider the salary. Later, we’ll look at the other financial factors that can affect the cost of living.
The data were taken from Job Bank (as of November 1, 2016). I choose the median wage but the low and high wage is also available in the resource.
The median is the middle number in a sorted list of numbers (from lowest to highest). The National Occupational Classification (NOC) is the nationally accepted reference on occupations in Canada.
Median Wages ($/hr) of Home Child Care Providers (NOC 4411-C)
Canada – 11.77
Alberta – 12.50
British Columbia – 10.85
Manitoba – 12.00
New Brunswick – 12.25
Newfoundland and Labrador – 12.25
Northwest Territories (Yellowknife region) – 12.50
Nova Scotia – 13.00
Nunavut – 15.50
Ontario – 11.54
Prince Edward Island – 12.25
Quebec – 12.50
Saskatchewan – 12.00
Yukon – N/A
Resource: Home child care providers (low, median, high etc.)
Home child care providers are also called live-in caregivers and nanny among the other titles in the NOC 4111. It is included in one of the low-wage positions.
Median Wages ($/hr) for Home Support Workers, Housekeepers and Related Occupations (NOC 4412-C)
Canada – 14.42
Alberta – 16.10
British Columbia – 17.00
Manitoba – 13.50
New Brunswick – 11.77
Newfoundland and Labrador – 13.00
Northwest Territories (Yellowknife Region) – 21.00
Nova Scotia – 17.00
Nunavut – 22.00
Ontario – 14.95
Prince Edward Island – 13.00
Quebec – 13.50
Saskatchewan – 16.61
Yukon – 17.53
Resource: Home support workers, housekeepers and related occupations (NOC 4412-C)
As you have noticed, the salary of caregivers for seniors and persons with disabilities classified as NOC 4412 is higher than NOC 4411.
This high-wage position comes with health-related duties and advanced educational and experience requirements.
What Caregiver Job Should You Choose
Regardless of wherever you are coming from, your skills and experience will determine what type of caregiver jobs you should choose, then you can choose the province with salary that you prefer.
For some, the goal is to find a job regardless of the wage which I’m not saying is wrong.
In the long run, it’s the worker-client relationship that matters the most. Caregiving is another job until you get to experience it and realize that it requires all your energy (mentally, emotionally, physically, and spiritually).
Find the job that is rewarding not just in terms of monetary compensation. Be in the environment on which you can provide care while also taking care of yourself.
Here’s the part where we’ll start the Canadian personal finance 101. I couldn’t just leave you with data about the caregiver salary in Canada.
You should learn more than that. Stick around and I promised NOT to overwhelm you with information. (If I did, just think that I have your best interest in mind.)
It is a common knowledge that the more you earn the more taxes you have to pay.
|Province/Territory||Provincial Tax||Federal Tax||Total Tax Rate|
|British Columbia||5.06%||15%||12% GST+PST|
|New Brunswick||9.68%||15%||15% HST|
|Newfoundland and Labrador||8.7%||15%||15% HST|
|Northwest Territories||5.9%||15%||5% GST|
|Nova Scotia||8.79%||15%||15% HST|
|Prince Edward Island||9.8%||15%||15% HST|
|Quebec||16%||15%||14.975% GST + QST|
The Canadian taxes include federal and provincial. Just like in the caregiver salary in Canada the taxes vary in different provinces.
The gross income minus the taxes and other deductions (we’ll discuss that in payslip) is equal to net income.
Whatever is the after-tax income is then subjected to sales tax. The more you spend the more sales tax you pay which can be one or combination of the following:
- Goods and Services Tax (GST)
- Harmonized Sales Tax (GST)
- Provincial Sales Tax (PST)
Based on the table Alberta, Northwest Territories, and Nunavut have the lowest tax rate. The residents only pay %5 for GST.
The Retail Council of Canada has the updated rates in case you want to know what are the type of sales taxes are implemented across Canada.
Understanding the Payslip and Other Deductions
In the end the keepsakes that you will have from a salary are receipts and payslips. (And a question “Where did my money go?”)
Every payday, whether biweekly or monthly, caregivers receive a payslip. If not ask your employer for a copy.
It is important to understand the payslip. Otherwise you’ll have the misconception that much of the hard-earned money goes into paying the tax so what’s the point of working more hours?
You are not just a taxpayer; you are saving for retirement as well. Apart from paying the taxes the following deductions will help you in the future:
- Canada Pension Plan (CPP)
- Employee – 4.95%
- Employer – 4.95%
- Employment Insurance (EI)
- Employee – 1.63%
- Employee – 1.4 x employee
The CPP is the monthly pension of a retiree as early as 60 years old. The pension depends on the contribution and duration of work. While the EI comes in handy in job loss and other benefits.
Of course apart from the forced savings known as deductions, you should also save and invest your hard-earned money for education, house, or whatever financial goal you have in mind.
Ever wonder how does the employer or the accountant or the employer who is also an accountant able to produce a payslip?
The Payroll Deductions Online Calculator is accessible by everyone. You can use it to determine how much will be your net income for a duration of work.
On the other hand, employers use the calculator to produce payslips (employee and employer) and use the information to fill up the remittance slip and pay the taxes and deductions.
At first I just wanted to write about the caregiver salary in Canada and be done with it but there’s a lot going on in a single payslip.
Wherever you choose to look after a child or an elderly for whatever rate, give value to your work.
Know that you are worth more than the compensation because you’ve chosen a noble job. You’ll need this reminder once you are out there.
While doing your duty protect your rights at the same time. It’s not one way or the other.
If there’s anything that confuses you, let me know in the comment.
For Further Reading:
- Canadian Tax Brackets: Marginal Tax vs Average Tax
- Canada Revenue Agency – All Rates
- Labour Standards in Canada
- Temporary Foreign Workers Rights