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is published four times a year and is Copyright
Summer 2012 by Medipac International Communications Inc.,
180 Lesmill Road, Toronto, Ontario M3B 2T5. (416)441-7000.
Subscription Price:
$9.95 Canada; $20.00 U.S. and foreign.
Single copy: $3.95. Prices include tax.
Published by Medipac International Communications Inc.
Opinions expressed are those of the writers and are not necessarily
those of the CSA, Medipac International Communications Inc. or its
affiliates, their Directors, Officers, or other employees or agents.
Canadian Publications Mail Product Sales Agreement No: 40063603.
ISSN No: 1195-2393
Barb & Ron Kroll
Dr. Robert MacMillan
Willa McLean
Rex Vogel
Ron Bellamy
Contributing Editors
Michael Coren
Jennifer Cox
Shari Darling
James Dolan
Bob Slack
Ron Steeves
John Foster
Nancy Hopcraft
Karen Huestis
Gerry Brissenden
James Leroux
Rick Thorpe
Michael MacKenzie
Wallace Weylie
First Vice-President
Second Vice-President
Past President
Executive Director
Legal Counsel
CSA Board of Directors
CSA Editor
Vice President 
Art Director
Director of Sales
Account Manager
Director of Operations
Marketing Coordinator
Staff Photographer
J. Ross Quigley
Bob Slack
Chris Bradbury
Peter Prusa
Neville B. Levin
Fran Castricone
Paula McGovern
Kim Saunders
Doug Miller
SUMMER 2012 | ISSUE 83
J. Ross Quigley
ur congratulations to the
Canadian Snowbird Association, again!
One of the Canada Revenue Agency (CRA) offices decided
that if any part of a travel insurance policy contained benefits
that were not of a medical nature, then a tax deduction would
be denied for the entire policy premium. We had numerous
phone calls and e-mails from CSA members, as well as from
non-members, whose tax returns were being reassessed for
substantial amounts of money.
Needless to say, we immediately dug up the applicable section
of the Income Tax Act and, to our surprise, that is exactly what
it said. The CRA was correct! But it was very unfair, especially to
Medipac clients, whose premiums were almost entirely health-
related. We do understand baggage insurance, trip cancellation
insurance and other non-health-related benefits not being tax
deductible, of course.
To make a very long story short, Mike MacKenzie, CSA’s
executive director, hopped on a plane to Ottawa and was able
to meet with senior members of Finance Minister Flaherty’s
staff. He explained the unfairness of this particular clause in the
act, especially for snowbirds. The government action was swift
and decisive and our problem was resolved. A letter has been
sent out to all CRA offices advising them that the portion of a
travel insurance policy premium relating to medical benefits
will, from now on, be fully deductible. What a pleasure it is to
deal with this government!
Medipac will issue revised receipts where necessary and the
issue is fully resolved. Perhaps those non-CSA members – whom
we were able to assist – might consider using a small part of
their tax gains to become CSA members. Lifetime memberships
would be appropriate.
We acknowledge the financial support of the Government
of Canada through the Canada Periodical Fund of the
Department of Canadian Heritage.