Monthly Archives: May 2018

Strategies to pay less tax with pension income splitting, pension income splitting.#Pension #income #splitting

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Pay less tax with pension income splitting

Don t have a workplace pension? There are still ways to benefit

Pension income splitting

February 9th, 2017

It’s hard to believe but the great boon of pension income splitting has now been available to Canadian retirees for a full decade. The Harper Tories introduced it in 2007, partly as a salve for the controversial Halloween 2006 crackdown on income trusts. I don’t hear much these days about income trusts but the combo of pension splitting and the 2009 introduction of TFSAs has certainly been a welcome addition to the arsenal of retirees and semi-retirees.

Pension splitting can generate many thousands of dollars in additional after-tax income for retired couples, particularly if – as is often the case – one of them enjoys a generous defined benefit (DB) pension and the other does not. I happen to know a retired boomer couple in their early 60s who are in exactly this position. In this case, it’s the woman with the high DB pension and they happily admit this one measure alone puts thousands more after-tax dollars into their collective pockets each year.

Pension splitting is based on the fact that Canada’s graduated income tax system imposes far higher rates of tax on big earners than on modest or non-existent earners. Pension splitting can result in a highly taxed income and a low-taxed one being merged (conceptually speaking) into what amounts to a modest mid-level amount of tax for the couple as a whole, putting thousands of extra dollars into the family’s collective pocket each year. Up to half of the higher-earning spouse’s eligible pension income can be in effect “transferred” into the hands of the lower earning spouse: not literally but for tax purposes.

The tax benefits vary with the marginal tax rates of both spouses. According to a Grant Thornton tax planning guide on pension splitting, the optimal allocation may be less than the allowable 50% maximum. It cites the example of someone who earned $90,000 in 2015, of which $60,000 is qualifying pension income. Your spouse has no pension income and only $5,000 in other income sources. In this case, the higher-earning spouse can allocate up to half (i.e. $30,000) of their pension income to their spouse. So the taxable income of the big-earning spouse has now fallen from $90,000 to $60,000, while the lower-earning spouse will now report taxable income of $35,000 instead of $5,000. The big earner has less income taxed in the top brackets while the small earner is in a higher bracket than before but viewed as a whole, the couple is paying less tax overall.

Pension income splitting

With pension splitting, the couple with the $60,000 pension ends up being treated exactly like a couple with two $30,000 pensions. The bonus is that both spouses can claim the $2,000 pension income credit and the higher-income spouse may no longer be subject to clawbacks of Old Age Security.

This is all perfectly legal and accomplished merely by electing to declare your income this way each year when you prepare your tax returns. Because it’s a “paper transfer,” you don’t even have to write a cheque or hand over cash to your spouse. To implement pension splitting on your tax forms, you and your spouse must sign a special election form (T1032): if you file electronically keep the form on file should the CRA ask for it.

While I used the common example of a spouse with a large DB pension, employer-sponsored Defined Contribution (DC) plans are also considered eligible pension income for pension splitting purposes.

But even if neither spouse has an employer pension, couples can still benefit from pension splitting, provided they pay attention to the rules (which can be found at the CRA website here). Apart from the need to have eligible pension income, you must be legally married or in a common-law relationship and you need to be a Canadian resident at the end of the year you received the eligible pension income.

Unfortunately, neither CPP nor OAS benefits qualify as eligible pension income for pension-splitting purposes.

Many couples may need to wait till age 65 to benefit from pension splitting, at which point eligible pension income includes lifetime annuity payments under a Registered Pension Plan, RRSP or Deferred Profit Sharing Plan (DPSP) and payments from Registered Retirement Income Funds (RRIFs) and Life Income Funds, according to Grant Thornton.

For those under 65, eligible pension income includes lifetime annuity payments from an RPP (i.e. payments from your DB plan or DC plan if you purchased a life annuity) and some payments received when a partner dies.

For couples lacking an RPP, consider the following planning technique suggested by certified financial planner Aaron Hector (of Calgary-based Doherty Bryant Financial Strategists): Convert at least a portion of their RRSPs into a RRIF once they turn 65. This lets them take advantage of pension income splitting and the pension income tax credit. Converting $100,000 from an RRSP to a RRIF typically can provide $4,000 of income, of which $2,000 can be allocated to each spouse to claim the pension income tax credit.

Note too that any income tax withheld from your pension income will be reported on your spouse’s return, proportional to the amount of income being split. Grant Thornton provides the example of a couple that opts to split 50% pension income, on which a T4A reports $10,000 deducted for income tax. You will report 50% (i.e. $5,000) of this as tax withheld, while your spouse will report the other $5,000. If you split only 30% of the pension income, just $3,000 of tax withheld would be reported on your spouse’s return.

As Hector notes, couples who have failed to split their pension income can go back and adjust their prior-year tax returns going back three years.

Remember, though, the lower earner cannot receive more than 50% of the pension for tax purposes: unlike spousal RRSPs, which are not constrained by any maximum. We’ll look at spousal RRSPs in more detail next time.

Jonathan Chevreau is founder of the Financial Independence Hub and co-author of Victory Lap Retirement. He can be reached at [email protected]

Read more advice for managing money in retirement in his Retired Money column.

OECD Better Life Index, what is the average income in the united states.#What #is #the

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United States

How’s Life?

The United States performs very well in many measures of well-being relative to most other countries in the Better Life Index. The United States ranks at the top in housing, and income and wealth. They rank above the average in health status, jobs and earnings, education and skills, personal security, subjective well-being, environmental quality, and civic engagement. They rank below average in work-life balance and social connections. These rankings are based on available selected data.

Money, while it cannot buy happiness, is an important means to achieving higher living standards. In the United States, the average household net-adjusted disposable income per capita is USD 44 049 a year, much higher than the OECD average of USD 30 563 a year, and the highest figure in the OECD. But there is a considerable gap between the richest and poorest the top 20% of the population earn about eight times as much as the bottom 20%.

In terms of employment, 69% of people aged 15 to 64 in the United States have a paid job, above the OECD employment average of 67%. Some 75% of men are in paid work, compared with 64% of women. In the United States, some 11% of employees work very long hours, less than the OECD average of 13%, with almost 16% of men working very long hours compared with 7% of women.

Good education and skills are important requisites for finding a job. In the United States, 90% of adults aged 25-64 have completed upper secondary education, much higher than the OECD average of 74%. This is slightly truer of women than men, as 89% of men have successfully completed high-school compared with 91% of women. In terms of the quality of the educational system, the average student scored 488 in reading literacy, maths and science in the OECD’s Programme for International Student Assessment (PISA), slightly higher than the OECD average of 486. On average in the United States, girls outperformed boys by 1 points, slightly less than the average OECD gap of 2 points.

In terms of health, life expectancy at birth in the United States is almost 79 years, one year lower than the OECD average of 80 years. Life expectancy for women is 81 years, compared with 76 for men. The level of atmospheric PM2.5 tiny air pollutant particles small enough to enter and cause damage to the lungs is 10.1 micrograms per cubic meter, lower than the OECD average of 13.9 micrograms per cubic meter. The United States also does well in terms of water quality, as 84% of people say they are satisfied with the quality of their water, higher than the OECD average of 81%.

Concerning the public sphere, there is a strong sense of community and moderate levels of civic participation in the United States, where 90% of people believe that they know someone they could rely on in time of need, broadly in line with the OECD average of 89%. Voter turnout, a measure of citizens’ participation in the political process, was 68% during recent elections, slightly lower than the OECD average of 69%. Social and economic status can affect voting rates; voter turnout for the top 20% of the population is an estimated 76% and for the bottom 20% it is an estimated 54%, broader than the OECD average gap of 13 percentage points, and points to shortcomings in the political mobilisation of the worst-off.

In general, Americans are more satisfied with their lives than the OECD average. When asked to rate their general satisfaction with life on a scale from 0 to 10, people in the United States gave it a 6.9 grade on average, higher than the OECD average of 6.5.

Answers4Seniors – Guaranteed Income Supplement (GIS), guaranteed income supplement.#Guaranteed #income #supplement

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Guaranteed Income Supplement (GIS)

1. What is the Guaranteed Income Supplement? — The Guaranteed Income Supplement provides additional money to top up the Old Age Security pension, for low-income seniors living in Canada. To be eligible for the GIS benefit, you must be receiving the Old Age Security pension meet the income requirements explained below.

2. How do I get the Guaranteed Income Supplement? — You must apply for the Guaranteed Income Supplement (GIS). To get an application form, contact us at 1-800-277-9914 (TTY: 1-800-255-4786). You re-qualify for GIS by filing your income tax return annually, by the deadline (April 30). (Check the Seniors section of the Canada Revenue Agency s Web site for information on filing your tax return.) If you did not qualify for the GIS benefit in the past, but you think you might be eligible now, you should apply as soon as possible. Usually, individuals must apply for the GIS benefit on their own behalf. If you are applying for someone else, please contact OAS at 1-800-277-9914 (TTY: 1-800-255-4786). for more information.

3. What documents will I need? — The type of documents you are required to provide will depend on your marital status, the type of application you are making, and whether you are applying for the first time. The application kit will list the documents, if any, you need to provide. If you are married, you may be asked to provide a marriage certificate. If you are living with a common-law partner (same sex or opposite sex) you may be asked to complete and sign a statutory declaration and provide other supporting documentation.

4. Do I have to re-apply for the Guaranteed Income Supplement every year? The process has been simplified. You only need to apply once for the benefit and will not need to re-apply, as long as you file an income tax return each year.

If you do not file an income tax return, or if OAS needs more information, you will receive a renewal application form in the mail. You must complete and return it as soon as you have all the necessary income information, even if you file a tax return.

The GIS benefit is based on your annual income, or the combined annual income of you and your spouse or common-law partner. A change in income could therefore result in a change in benefit. Each July, you will receive a letter that tells you the new amount of your monthly payment or the reasons why your GIS benefit has stopped.

5. How is eligibility determined for the Guaranteed Income Supplement? — To qualify for the GIS, you must be eligible for the Old Age Security pension. Eligibility also depends on whether the combined income of you and your spouse or common-law partner, if you have one, exceeds a specific amount.

6. What if I marry or separate? — If you marry or separate, or if your spouse or common-law partner dies, you must let us know because it may affect your benefits.

If you and your spouse or common-law partner are separated for reasons beyond your control (for example, if one of you has to live in a hospital or long term care home), you can each be considered as a single person if that will give you a higher monthly payment.

7. What is considered to be income? — When applying for the GIS benefit, you, and in the case of a couple, you and your spouse or common-law partner, must report the following income:

  • Canada Pension Plan or Quebec Pension Plan benefits
  • private pension income and superannuation
  • foreign pension income
  • RRSPs that you cashed during the year
  • Employment Insurance benefits
  • interest on any savings
  • any capital gains or dividends
  • income from any rental properties
  • any employment income minus allowable deductions including your Canada Pension Plan and/or Quebec Pension Plan contributions and your Employment Insurance premiums. Subtract the lesser of the result of the calculation or $3,500;
  • income from other sources such as workers compensation payments, alimony, etc.

Benefits received from the Old Age Security program, including the Guaranteed Income Supplement and the Allowance, are not included as income. Look at the application form for more details about what to count as income.

8. What happens if there is a loss or reduction of income? — In some situations, (stop work, have a loss or reduction of pension income, we can calculate your GIS benefit by estimating your pension and employment income for this year, instead of using last year s pension and employment income. If you or your spouse or common-law partner have a lower income this year for either of these reasons, you should contact OAS at 1-800-277-9914 (TTY: 1-800-255-4786). Your benefits may increase.

9. How and when will I receive my payments? — If you are eligible for the GIS benefit, we will add it to your Old Age Security pension payment each month. Payments usually arrive in the last three banking days of each month. If your payment is late by more than a week, or if you lose your payment, please contact OAS at 1-800-277-9914 (TTY: 1-800-255-4786). If you apply late and are eligible to receive the GIS, we can give you a retroactive payment of up to 11 months plus the month in which we receive your application.

10. Can you send the payment to my bank? Yes, your pension payment can be automatically deposited into your bank account. Although payment by cheque is possible, the benefits of using direct deposit include:

  • always receiving your payments on time
  • knowing that your cheques will never be lost, stolen or damaged.

You can sign up for direct deposit online, by phone, in person, by mail, or when you apply for your Guaranteed Income Supplement.

11. What happens if I move? — If you are planning to move, you must contact OAS with your new address and postal code as soon as possible to make sure that your payment arrives on time. Even if payments are deposited directly into your bank account, we still need to know your new address so we can send you important information and your yearly income tax slip and to notify you if we need additional income information.

You can notify us of a change of address 24 hours a day, seven days a week by calling our automated telephone system at 1-800-277-9914. You will be asked for your social insurance number, your new address and postal code as well as your telephone number with your area code.

12. Can I receive my GIS outside Canada? The Guaranteed Income Supplement is designed to assist low-income pensioners living in Canada. If you leave Canada we will only pay you for the month you leave, and for six months after that; then payments will stop. You have an obligation to tell us when you plan to be outside the country for more than six months. If you do stay outside Canada for longer than six months, you can re-apply when you return to live in Canada.

13. Will I get cost-of-living increases? Yes; payments will reflect any increases in the cost of living as measured by the consumer price index. Any necessary adjustments are made every three months; January, April, July October. Your monthly payments will not go down if the cost of living goes down.

14. Can my benefits stop?— Guaranteed Income Supplement stops if one of the following happens: You do not re-apply by filing a tax return by April 30 of each year or you do not submit an application form when asked to do so.

  • Your income, or the total income for you and your spouse or common-law partner, is more than the maximum amount allowed.
  • You leave Canada for more than six months in a row
  • You die. If your spouse or common-law partner is receiving the GIS or the Allowance, payments may continue, based on his or her income.

15. Is my Guaranteed Income Supplement taxable? — No. Your GIS benefit is not considered taxable income. However, you must still report it on your tax return.

16. What can I do if I do not agree with a decision affecting my Guaranteed Income Supplement? — If you disagree with a decision that affects your GIS, you have the right to an explanation. If you contact us, we can explain the reasons for our decision. If you are not satisfied with our response, you can ask us to reconsider the decision. To do this, you must send a letter to the Service Canada regional director in your region within 90 days of receiving notice of our original decision. In your letter, please ensure to provide:

  • your name address
  • your social insurance number; and
  • your reason(s) for making the appeal.

After this reconsideration, if you are still not satisfied, you can appeal the decision to the Office of the Commissioner of Review Tribunals. If the appeal concerns income, it will be referred to the Tax Court of Canada.

2017. All Rights Reserved. Answers4Seniors | [email protected]

All data is subject to errors, omissions or revisions is not warranted.

How pension splitting works, Toronto Star, pension income splitting.#Pension #income #splitting

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How pension splitting works

Many people are confused about what is and isn rsquo;t allowed in the area of pension splitting. Here s the low down.

There are a number of seniors and other retired folk out there who are more than a little confused about what is and isn’t allowed in the area of pension splitting.

On the surface, splitting pensions with lower income spouses seems eminently fair. A stay-at-home spouse, usually the woman, who cares for children and household, is just as much a contributor to the family and society as the income earner. But those of us old enough to recall the bra-burning rallies and sit-ins of the 1960s and ’70s know that our mothers were, essentially, non persons when it came to fair treatment in regards to pensions and tax.

Despite protests back then not everything has changed. Had my recently deceased mother outlived my father, for example, she would have received only a small Canada Pension Plan survivor benefit and just 50 per cent of his military pension but none of his disability payments. His service-related disability had an impact on his ability to work when he retired from the Canadian Armed Forces, which in turn affected her. And because we hopped frequently from base to base during those hyper-vigilant Cold War years, she could not work and contribute to the Canada Pension Plan in order to ensure a retirement income.

There are still many inequities, particularly in the treatment of lower income spouses, regarding pension survivor benefits and also pension splitting, however some progress has been made. And this is where a herd of readers stampeded to their computers to comment on my last column, which mentioned splitting CPP as good strategy to lower taxable income for the higher-earning spouse.

Many quoted the Canada Revenue Agency’s information on the topic: “The following amounts received by the pensioner are not eligible for pension income splitting:

• Old Age Security payments;

• Canada Pension Plan, Quebec Pension Plan; and

• Amounts received under a retirement compensation arrangement.”

That seems abundantly clear. Furthermore, a number of TurboTax users cited its table listing eligible and ineligible pensions for splitting. CPP and QPP (Quebec Pension Plan) fall into the not eligible category. UFile offers the same information.

But wait a minute, surf over to Service Canada’s site, and you’ll find this: “Spouses or common-law partners who are together, who are both at least 60 years old, and who are both receiving the CPP retirement pension can share their CPP retirement benefits. This is called pension sharing, and may result in tax savings. If only one of you is a CPP contributor, you share that one pension. The overall benefits paid do not increase or decrease with pension sharing.”

Querying CRA about this seeming discrepancy yielded nothing as the agency refused to answer any questions relating to CPP because it is administered by Service Canada. But a little digging illuminated the nearly invisible line between pension splitting and pension sharing.

The key to the confusion is found in the following Service Canada note: “To share your CPP retirement pension, you must apply.”

Aha, now I get it! After application and approval, CPP is physically split between spouses or common-law partners. Both receive a monthly cheque and both receive a TFA (CPP) slip. This has been allowed since 1987.

On the other hand, splitting eligible pension benefits while you are completing your tax return has only been in effect since 2007. Eligible income includes any pension that qualifies for the $2,000 Pension Income Tax Credit. (That credit, by the way, is multiplied by 15 per cent to reduce federal tax payable by $300 annually and a similar amount provincially.)

If your head isn’t hurting yet, pay attention to tax expert Evelyn Jacks’ tip in her book, Essential Tax Facts, (2012 edition.) “To maximize the benefit of this credit, it is extremely important and valuable to split at least $2,000 to a spouse’s tax return so that this benefit could be doubled for the family, each and every year.” This means that both spouses should have at least $2,000 of pension income to qualify for the credit.

Generally speaking, most pension income that is paid regularly can be split for those over 65. Typically, lump sum payments are not eligible for splitting. However, before you jump in, check the CRA’s site for a broader explanation. Note that some foreign pensions can be split but not, for example, income from a US Individual Retirement Account.

Because 2011 is behind us applying for CPP pension sharing now won’t be reflected in your tax return. However, Cleo Hamel, senior tax analyst with H R Block believes that there is still time to split CPP for at least half of 2012 if the application is made soon. Go here or search for “Application for sharing of retirement pensions” on the Human Resources and Skills Development Canada website,

But before you complete it make sure that beefing up the income of your spouse won’t affect that person’s government benefits including the age amount deduction of $6,537 which starts being reduced when income reaches $$32,961.

How To Earn Residual Income Efficiently, residual income opportunities.#Residual #income #opportunities

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How To Earn Residual Income Efficiently

Residual income opportunities

Katherine graduated from Norfolk State University with an M.S. Full Bio

Residual income opportunities

Residual income is often also referred to as, “passive” or “recurring” income. Indeed, money makes the world go ’round. What better way to earn money than through letting money work for you even while you sleep? Surely, no greater method is available or even imaginable. The key here is to work smarter, not harder. Industriousness is required and you should be prepared to be very persistent. A common method of steadily earning residual income is through royalties earned from a book, song composition, software, or mobile application. Types of recurring income are not limited to royalties. Here are ten methods to begin earning.

1. Affiliate Marketing

Residual income opportunities

Basically, an affiliate connects a customer with a desired or needed product. The affiliate is responsible for marketing to drive sales to the retailer. It is best to purchase a domain name and build a user-friendly website to draw customers and convert them to purchasing the chosen product. Build interest through pay-per-click advertising, content articles about the product, and through posting on forums with a relevant website link.

2. Auto-Responder Lists

Residual income opportunities

Appeal to a target audience through offering regular newsletters about the service or product only you can provide. Offer some free advice on marketing or tips on business-related tools. Offer the first part of a how-to e-course free to generate traffic. Through brief, yet constant contact, your blog becomes invaluable to your audience. Don’t be timid in offering a bit of free advice to build a dedicated audience.

3. Membership Community

Residual income opportunities

Charge a monthly or annual fee to offer members access to exclusive advice or products. Sell your expertise through exclusive podcasts, offering live FAQ sessions through Skype, or forums. You may want to try selling a monthly subscription to allow users to sample new products, similar to a book club. Frequent interaction increases interest and helps build membership through word-of-mouth.

4. Arbitrage Services

Residual income opportunities

Develop a website to purchase and then sell services, such as content articles or purchasing a product at a low price and then reselling it. Another option is to sell the web design service. Sign a contract with an expert and sell the service to others. This type of business is low-risk and has virtually no start up costs. Sites such as eBay or offer products that can be purchased at a very low cost and then resold to gain a profit.

5. Sell Informative E-Books

Residual income opportunities

Cultivate little-known DIY projects and ideas that are needed by consumers. For example, provide tips and tricks on self-improvement or weight loss. Develop your website to cater to the type of information you want to sell. Build your e-mail newsletters at the same time and up-sell a monthly subscription. You will have effectively rolled three services into one great profit.

6. Pay Per Click

Residual income opportunities

This is perhaps one of the most talked about methods of earning a passive income. Essentially, you advertise for others through inserting a link in forums, through social media, and of course through your own site. There are several software packages available for purchase, including Google Adsense, Bing, and Yahoo. These types of ads can be used to attract consumers of a particular gender, age, and individual interests.

7. Customer Referrals

Residual income opportunities

Earn residual income through referring consumers to an established product or service. Use your site to advertise to the company or companies you are interested in providing referrals for. Referral efforts can be coupled with informative e-books, seminars, or articles about the product or service. Build your newsletter lists in the same manner, the difference being that you are directing consumers to a third-party business.

Income Percentile by Age Calculator for the US: What Percent Are You, what is the

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Income Percentile by Age Calculator for 2017, United States

We present 2017 United States data in an income percentile by age calculator for every age from 15-80. Enter an income earned in full year (Jan- Dec) 2016 and we ll estimate where that income fell for that age s distribution. Our data comes from the Current Population Survey Annual Social and Economic Supplement (ASEC) survey.

Source and Methodology on the Income Percentile by Age Calculator

As stated in the introduction, the microdata comes from the ASEC which we prepare and slice in R. IPUMS-CPS from the University of Minnesota s Population Center collates the data and harmonized it across years. Our methodology for determining who is covered as a worker is covered in this year s income percentile calculator.

In short, anyone who reported working, worked on average one hour per week more, or wanted to work is included in the population. Beware very high or low percentiles for the ages below 18 years old and above 65 years old; there isn t as much data in the set.

Sarah Flood, Miriam King, Steven Ruggles, and J. Robert Warren. Integrated Public Use Microdata Series, Current Population Survey: Version 4.0. [dataset]. Minneapolis: University of Minnesota, 2015.

Presenting Data in Income Brackets By Age

As we ve done with reinvestment in our dividend reinvestment calculators, we ve identified age or experience as an oft-ignored lurking variable. As experience is harder to measure, age is a decent proxy. It s a good bet that if you work a job and are older you have more experience in said job.

When you zoom out to all workers, you re ignoring the very real effect of age on income. As income tends to increase with age and is sticky (at least falling), this isn t right to do. Sure, we do present rolled up numbers in the income bracket post and income percentile calculator but for comparisons sake, this is a superior slice.

So, if you re a 24 year old recent college grad don t compare your fresh-out-of-college income with the investment supplemented income pulled in by a 50 year old. You should, instead, compare yourself with 23, 24, 25, and 26 year olds that s a more reliable and accurate peer group.

Use Income Percentile by Age For Comparions!

So there you have it the data and the reasoning behind producing this income percentile by age calculator. Age-based income is the measure you should use for comparison purposes. It ll avoid the weirdness you ll see in the aggregate stats, and properly accounts for at least some of the confounding variables.

See anything interesting in this year s data?

Related Posts:

  • What is the average income in the united states
  • What is the average income in the united states

Home, CTP, Car Insurance Quotes Australia, NRMA Insurance, income travel insurance.#Income #travel #insurance

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income travel insurance

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Income Protection, Cigna New Zealand, income travel insurance.#Income #travel #insurance

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Cover you can trust

  • If you decide within 30 days that the cover is not for you, we’ll refund your premiums – no questions asked
  • If you’re made redundant your premiums can be waived for up to six months to help out. Likewise we’ll waive them while you’re on a disability claim

What you need to know

If you’re unable to work due to injury or illness, your groceries, power bills, fuel and your rent or mortgage still need to be paid. Cigna can help make sure your family’s everyday essentials are still covered with income protection insurance. Get an instant quote


  • Available to all NZ residents aged 18-59 working for 25 or more hours a week
  • If your claim is accepted, it’s up to you to decide how to use the money
  • Receive up to 75% of your income, every month you’re off work – for up to 2 years
  • Choose how long Cigna makes payments for (6, 12 or 24 months). The shorter the payment term you choose, the lower your premium will be.
  • Getting covered is easy, it only takes about 5 minutes to apply

Need to know

  • For some special risk occupations, there is a maximum monthly pay out of $3,000 for a maximum period of 12 months. We recommend you read the brochure and the policy wording for full product information.
  • Claims that arise from a pre-existing condition you had in the two years before your income protection cover start date are excluded.
  • Income protection expires on the anniversary of your policy after your 65th birthday.
  • We also suggest that you talk to your tax adviser regarding the tax status of the policy premiums and benefits as they relate to you.

Full policy

We’re upfront about conditions and exclusions. See the full details below:

Income travel insuranceIncome travel insurance

Irsefile in Union Springs, NY, irsefile.#Irsefile

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Irsefile Irsefile

2042 Us Route 20, Seneca Falls , NY 13148

Phone: (315) 568-8100

Nichol’s Financial Svc

Irsefile Irsefile

1230 Waterloo Geneva Rd, Waterloo , NY 13165

Phone: (315) 539-9138

Payne Perry Inc

Irsefile Irsefile

426 Washington St, Geneva , NY 14456

Phone: (315) 789-2510

Roland John R/EA

Irsefile Irsefile

1981 Shepard Rd, Marcellus , NY 13108

Phone: (315) 313-6447

Nichols Financial Service – Richard Nichols CPA

Irsefile Irsefile

438 E Union St, Newark , NY 14513

Phone: (315) 331-7925

Empower Associated Services

Irsefile Irsefile

523 Erie Blvd W, Syracuse , NY 13204

Phone: (315) 426-5678

Complete Small Business Service

Irsefile Irsefile

3417 Linda Ln, Baldwinsville , NY 13027

Phone: (315) 409-0080

Nichols Financial Services

Irsefile Irsefile

2 W Main St, Sodus , NY 14551

Phone: (315) 483-6431

Your Office

Irsefile Irsefile

253 Oakwood Ave, Elmira , NY 14903

Phone: (607) 767-6225

Tom’s Tax Express Llc

Irsefile Irsefile

1137 Culver Rd, Rochester , NY 14609

Phone: (585) 288-8822

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