{"id":9159,"date":"2018-09-03T05:40:15","date_gmt":"2018-09-03T05:40:15","guid":{"rendered":"https:\/\/grillo.ca\/are-long-term-disability-benefits-taxable\/"},"modified":"2026-10-28T18:40:07","modified_gmt":"2026-10-28T22:40:07","slug":"are-long-term-disability-benefits-taxable","status":"publish","type":"post","link":"https:\/\/grillo.ca\/zh-hans\/are-long-term-disability-benefits-taxable\/","title":{"rendered":"\u957f\u671f\u6b8b\u75be\u798f\u5229\u9700\u8981\u7f34\u7a0e\u5417\uff1f"},"content":{"rendered":"<p class=\"teaser\">\u8fc7\u53bb\uff0c\u77ed\u671f\u6b8b\u75be (STD) \u548c\u957f\u671f\u6b8b\u75be (LTD) \u798f\u5229\u662f\u5728\u60a8\u63d0\u4ea4\u5e74\u5ea6\u6240\u5f97\u7a0e\u7533\u62a5\u8868\u65f6\u7eb3\u7a0e\u7684\u3002\u8fd9\u610f\u5473\u7740\u5728\u53d1\u653e STD \u6216 LTD \u4ed8\u6b3e\u65f6\u4e0d\u4f1a\u6263\u9664\u6240\u5f97\u7a0e\u3002\u81ea2015\u5e741\u6708\u8d77\uff0cCRA \u89c4\u5b9a STD \u548c LTD \u4ed8\u6b3e\u987b\u5728\u53d1\u653e\u65f6\u5373\u7f34\u7a0e\u3002<\/p>\n<p><img loading=\"lazy\" class=\"alignright size-full wp-image-9156\" src=\"https:\/\/grillo.ca\/wp-content\/uploads\/2018\/09\/Are-Long-Term-Disability-Benefits-Taxable_.jpeg\" alt=\"Are Long Term Disability Benefits Taxable\" width=\"600\" height=\"315\" srcset=\"https:\/\/grillo.ca\/wp-content\/uploads\/2018\/09\/Are-Long-Term-Disability-Benefits-Taxable_.jpeg 600w, https:\/\/grillo.ca\/wp-content\/uploads\/2018\/09\/Are-Long-Term-Disability-Benefits-Taxable_-300x158.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h2><a id=\"Are_Long_Term_Disability_Benefits_Taxable_0\"><\/a>\u957f\u671f\u6b8b\u75be\u798f\u5229\u9700\u8981\u7f34\u7a0e\u5417\uff1f<\/h2>\n<p>2015\u5e74\uff0cCRA\uff08\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40\uff09\u66f4\u65b0\u4e86\u6b8b\u75be\u798f\u5229\u7684\u9884\u6263\u7a0e\u8981\u6c42\u3002\u8fd9\u4e9b\u53d8\u5316\u5f71\u54cd\u4e86\u77ed\u671f\u6b8b\u75be (STD) \u548c\u957f\u671f\u6b8b\u75be (LTD) \u8ba1\u5212\u4e2d\u5e94\u7a0e\u6b8b\u75be\u798f\u5229\u7684\u8ba1\u7b97\u65b9\u6cd5\u3002<\/p>\n<p>\u8fc7\u53bb\uff0cSTD \u548c LTD \u798f\u5229\u662f\u5728\u60a8\u63d0\u4ea4\u5e74\u5ea6\u6240\u5f97\u7a0e\u7533\u62a5\u8868\u65f6\u7eb3\u7a0e\u7684\u3002\u8fd9\u610f\u5473\u7740\u5728\u53d1\u653e STD \u6216 LTD \u4ed8\u6b3e\u65f6\u4e0d\u4f1a\u6263\u9664\u6240\u5f97\u7a0e\u3002\u81ea2015\u5e741\u6708\u8d77\uff0cCRA \u89c4\u5b9a STD \u548c LTD \u4ed8\u6b3e\u987b\u5728\u53d1\u653e\u65f6\u5373\u7f34\u7a0e\u3002<\/p>\n<p>STD \u548c LTD \u5de5\u8d44\u635f\u5931\u66ff\u4ee3\u8ba1\u5212 (WLRP) \u4e3a\u5458\u5de5\u56e0\u6b8b\u75be\u3001\u4e8b\u6545\u6216\u75be\u75c5\u800c\u5931\u53bb\u5c31\u4e1a\u6536\u5165\u63d0\u4f9b\u4fdd\u969c\u3002\u5f53\u7531\u96c7\u4e3b\u7f34\u7eb3\u4fdd\u8d39\u65f6\uff0c\u6b64\u7c7b\u798f\u5229\u901a\u5e38\u987b\u7eb3\u7a0e\uff0c\u5e76\u5e94\u5728\u60a8\u7684 T1 \u8868\u7b2c104\u884c\u7533\u62a5\u3002<\/p>\n<p>\u53e6\u4e00\u65b9\u9762\uff0c\u5c5e\u4e8e\u6536\u5165\u66ff\u4ee3\u798f\u5229\u7684 STD \u548c LTD \u8ba1\u5212\u901a\u5e38\u65e0\u9700\u7eb3\u7a0e\u3002\u6536\u5165\u66ff\u4ee3\u798f\u5229\u662f\u652f\u4ed8\u7ed9\u56e0\u8f66\u7978\u800c\u65e0\u6cd5\u5de5\u4f5c\u7684\u4eba\u58eb\u7684\u6b3e\u9879\uff0c\u5c5e\u4e8e\u300a\u6cd5\u5b9a\u4e8b\u6545\u798f\u5229\u6761\u4f8b\u300b(SABS) \u6240\u89c4\u5b9a\u798f\u5229\u7684\u4e00\u90e8\u5206\uff0c\u800c\u5728\u5b89\u5927\u7565\u7701\uff0c\u6240\u6709\u6c7d\u8f66\u4fdd\u9669\u90fd\u5fc5\u987b\u5305\u542b\u8fd9\u4e9b\u798f\u5229\u3002<\/p>\n<h3><a id=\"EmployeePaid_Premiums_10\"><\/a>\u5458\u5de5\u652f\u4ed8\u7684\u4fdd\u8d39<\/h3>\n<p>\u5982\u679c\u5458\u5de5\u4e3a\u5176 STD \u6216 LTD \u8ba1\u5212\u652f\u4ed8\u5168\u90e8\u4fdd\u8d39\uff0c\u5219\u76f8\u5173\u798f\u5229\u65e0\u9700\u7eb3\u7a0e\u3002\u5f53\u60a8\u81ea\u884c\u652f\u4ed8 LTD \u4fdd\u9669\u4fdd\u8d39\u65f6\uff0c\u60a8\u4f7f\u7528\u7684\u662f\u201c\u7a0e\u540e\u201d\u8d44\u91d1\u3002\u8fd9\u610f\u5473\u7740\u60a8\u4e0d\u80fd\u56e0\u4e3a\u5df2\u652f\u4ed8\u7684\u6b8b\u75be\u4fdd\u9669\u4fdd\u8d39\u800c\u51cf\u5c11\u6240\u5f97\u7a0e\u3002<\/p>\n<p>\u5f53\u60a8\u6839\u636e\u4e00\u9879\u7531\u60a8\u652f\u4ed8\u5168\u90e8\u4fdd\u8d39\u7684\u4fdd\u9669\u8ba1\u5212\u83b7\u5f97\u6b8b\u75be\u798f\u5229\u65f6\uff0c\u8fd9\u4e9b\u798f\u5229\u901a\u5e38\u65e0\u9700\u7eb3\u7a0e\u3002<\/p>\n<h3><a id=\"EmployerPaid_Premiums_16\"><\/a>\u96c7\u4e3b\u652f\u4ed8\u7684\u4fdd\u8d39<\/h3>\n<p>\u5728\u52a0\u62ff\u5927\uff0c\u60a8\u4ece\u96c7\u4e3b\u5904\u83b7\u5f97\u7684\u6240\u6709\u62a5\u916c\u901a\u5e38\u90fd\u987b\u7eb3\u7a0e\uff0c\u65e0\u8bba\u62a5\u916c\u7684\u6027\u8d28\u5982\u4f55\u3002\u8fd9\u5305\u62ec\u85aa\u91d1\u3001\u5de5\u8d44\u3001\u96c7\u4e3b\u63d0\u4f9b\u7684\u505c\u8f66\u4f4d\u4ee5\u53ca\u4e00\u6b21\u6027\u5956\u91d1\u3002<\/p>\n<p>\u867d\u7136\u96c7\u4e3b\u65e0\u9700\u4e3a\u56e2\u4f53 LTD \u6216 STD \u4fdd\u9669\u5355\u4e0b\u4e3a\u60a8\u652f\u4ed8\u7684\u4fdd\u8d39\u7eb3\u7a0e\uff0c\u4f46\u8fd9\u6709\u4e00\u4e2a\u4ee3\u4ef7\uff1a\u4e00\u65e6\u60a8\u53d1\u751f\u6b8b\u75be\uff0c\u60a8\u6839\u636e\u6b64\u7c7b\u4fdd\u5355\u83b7\u5f97\u7684\u4efb\u4f55\u798f\u5229\u90fd\u987b\u7eb3\u7a0e\u3002<\/p>\n<p>\u4e3a\u6b64\uff0c\u96c7\u4e3b\u4e3a\u60a8\u652f\u4ed8\u7684\u4fdd\u8d39\u9700\u8981\u901a\u8fc7\u5de5\u8d44\u6263\u6b3e\u8ba1\u5165\u60a8\u7684\u6536\u5165\uff0c\u6216\u5728\u6bcf\u5e74\u5e74\u5e95\u4ee5\u4e00\u6b21\u6027\u91d1\u989d\u8ba1\u5165\u60a8\u7684 T4 \u8868\u3002<\/p>\n<p>\u8bf7\u6ce8\u610f\uff0c\u5982\u679c\u56e2\u4f53\u6b8b\u75be\u4fdd\u9669\u4fdd\u8d39\u7531\u60a8\u548c\u60a8\u7684\u96c7\u4e3b\u5171\u540c\u5206\u62c5\uff0c\u90a3\u4e48\u60a8\u6709\u6743\u4ee5\u514d\u7a0e\u65b9\u5f0f\u83b7\u5f97\u4e0e\u60a8\u81ea\u5df1\u6240\u7f34\u91d1\u989d\u76f8\u5e94\u7684\u798f\u5229\u3002<\/p>\n<p>\u5982\u679c\u60a8\u7b26\u5408\u514d\u7a0e\u8ba1\u5212\u7684\u6761\u4ef6\uff0c\u60a8\u5fc5\u987b\u5728\u6cd5\u5f8b\u4e0a\u6709\u4e49\u52a1\u652f\u4ed8\u5168\u90e8\u4fdd\u8d39\uff0c\u5e76\u4e14\u5b9e\u9645\u4e0a\u4e5f\u786e\u5b9e\u5982\u6b64\u3002\u4e3a\u4e86\u8bc1\u660e\u4fdd\u8d39\u5b9e\u9645\u4e0a\u7531\u60a8\u652f\u4ed8\uff0c\u60a8\u7684\u96c7\u4e3b\u5fc5\u987b\u8bc1\u660e\u8fd9\u4e9b\u4fdd\u8d39\u5df2\u901a\u8fc7\u5de5\u8d44\u6263\u6b3e\/\u8bb0\u5f55\u5165\u8d26\u3002<\/p>\n<h3><a id=\"Hire_a_lawyer_when_in_doubt_28\"><\/a>\u6709\u7591\u95ee\u65f6\u8bf7\u8058\u8bf7\u5f8b\u5e08<\/h3>\n<p>LTD \u798f\u5229\u7684\u7a0e\u52a1\u95ee\u9898\u663e\u7136\u5341\u5206\u590d\u6742\u3002\u591a\u4f26\u591a\u4f18\u79c0\u7684\u957f\u671f\u6b8b\u75be\u5f8b\u5e08\u5177\u5907\u5fc5\u8981\u7684\u57f9\u8bad\u548c\u7ecf\u9a8c\uff0c\u80fd\u591f\u8ba9\u60a8\u7684 LTD \u4fdd\u9669\u8ba1\u5212\u53d1\u6325\u6700\u5927\u4f5c\u7528\uff0c\u5e76\u5728\u60a8\u8ba4\u4e3a\u81ea\u5df1\u5e94\u5f97\u7684\u798f\u5229\u88ab\u62d2\u7edd\u65f6\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u4e0a\u8bc9\u3002<\/p>\n<p><strong>\u66f4\u591a\u6587\u7ae0\uff1a<\/strong><\/p>\n<h2>\u5224\u65ad LTD \u798f\u5229\u662f\u5426\u9700\u8981\u7eb3\u7a0e<\/h2>\n<p>\u6709\u5173\u957f\u671f\u6b8b\u75be\u798f\u5229\u7684\u7a0e\u6cd5\u53ef\u80fd\u76f8\u5f53\u4ee4\u4eba\u56f0\u60d1\u3002\u8fd9\u662f\u56e0\u4e3a\u957f\u671f\u6b8b\u75be\u798f\u5229\u662f\u5426\u9700\u8981\u7eb3\u7a0e\uff0c\u53d6\u51b3\u4e8e\u7531\u8c01\u652f\u4ed8\u4fdd\u8d39\u3002\u516c\u53f8\u901a\u5e38\u4f1a\u5c06\u957f\u671f\u6b8b\u75be\u4fdd\u9669\u4f5c\u4e3a\u56e2\u4f53\u4eba\u5bff\u8ba1\u5212\u7684\u4e00\u90e8\u5206\u63d0\u4f9b\u7ed9\u5458\u5de5\u3002<\/p>\n<p><img loading=\"lazy\" class=\"size-full wp-image-9156 alignnone\" src=\"https:\/\/grillo.ca\/wp-content\/uploads\/2018\/09\/Determining-Whether-LTD-Benefits-Are-Taxable-or-Not.jpg \" alt=\"Determining Whether LTD Benefits Are Taxable or Not\" width=\"600\" height=\"315\" \/><\/p>\n<p>\u8981\u4f7f\u6b8b\u75be\u798f\u5229\u7b26\u5408\u514d\u7a0e\u6761\u4ef6\uff0c\u60a8\u548c\u8ba1\u5212\u4e2d\u7684\u6240\u6709\u5176\u4ed6\u5458\u5de5\u90fd\u5fc5\u987b\u652f\u4ed8100%\u7684\u4fdd\u8d39\u3002\u5982\u679c\u60a8\u7684\u96c7\u4e3b\u652f\u4ed8\u4e86\u60a8\u4fdd\u8d39\u7684\u4efb\u4f55\u90e8\u5206\uff0c\u60a8\u7684\u798f\u5229\u5c31\u987b\u7eb3\u7a0e\uff0c\u9664\u975e\u60a8\u7684\u96c7\u4e3b\u5c06\u8fd9\u4e9b\u4fdd\u8d39\u8ba1\u5165\u60a8\u7684\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n<p>\u5982\u679c\u60a8\u7684\u96c7\u4e3b\u6ca1\u6709\u4e3a\u60a8\u8d2d\u4e70\u6b8b\u75be\u4fdd\u9669\uff0c\u6216\u8005\u60a8\u662f\u81ea\u96c7\u4eba\u58eb\uff0c\u90a3\u4e48\u60a8\u5e94\u8be5\u81ea\u884c\u8d2d\u4e70 LTD \u4fdd\u9669\uff0c\u4ee5\u786e\u4fdd\u81ea\u5df1\u83b7\u5f97\u4fdd\u969c\u3002<br \/>\n\u503c\u5f97\u5e86\u5e78\u7684\u662f\uff0c\u60a8\u4e0d\u5fc5\u8fc7\u4e8e\u62c5\u5fc3\u81ea\u5df1\u7684\u7eb3\u7a0e\u4e49\u52a1\u3002\u5982\u679c\u60a8\u76ee\u524d\u6b63\u5728\u9886\u53d6\u79c1\u4eba\u6b8b\u75be\u517b\u8001\u91d1\u7684\u798f\u5229\uff0c\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u63d0\u4f9b\u60a8\u7684\u7eb3\u7a0e\u4e49\u52a1\u8be6\u60c5\uff0c\u5e76\u4ece\u60a8\u7684\u6bcf\u6708\u798f\u5229\u4e2d\u6263\u9664\u60a8\u5e94\u7f34\u7684\u7a0e\u6b3e\u3002<\/p>\n<p>\u8003\u8651\u5230\u7a0e\u52a1\u5f71\u54cd\uff0c\u5458\u5de5\u3001\u5de5\u4f1a\u548c\u96c7\u4e3b\u5e94\u8003\u8651\u5728\u4f5c\u4e3a\u56e2\u4f53\u798f\u5229\u4e00\u90e8\u5206\u63d0\u4f9b\u7684 LTD \u4fdd\u9669\u4e2d\uff0c\u7531\u54ea\u4e00\u65b9\u652f\u4ed8\u4fdd\u8d39\u5bf9\u53cc\u65b9\u7684\u6210\u672c\u4f18\u52bf\u3002<\/p>\n<p>\u5982\u679c\u60a8\u7684\u798f\u5229\u514d\u7a0e\uff0c\u8fd9\u53ef\u80fd\u6709\u52a9\u4e8e\u4f7f\u60a8\u7684\u6b8b\u75be\u798f\u5229\u66f4\u63a5\u8fd1\u60a8\u6b8b\u75be\u524d\u7684\u5b9e\u5f97\u5de5\u8d44\u3002\u8fd9\u53ef\u80fd\u4f1a\u5bf9\u60a8\u7684\u751f\u6d3b\u6c34\u5e73\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\u3002<\/p>\n<h3>\u52a0\u62ff\u5927\u9000\u4f11\u91d1\u8ba1\u5212\u6b8b\u75be\u798f\u5229\u9700\u8981\u7eb3\u7a0e<\/h3>\n<p>\u6b8b\u75be\u7684\u52a0\u62ff\u5927\u4eba\u9664\u4e86\u9886\u53d6\u79c1\u4eba\u6b8b\u75be\u798f\u5229\u5916\uff0c\u8fd8\u53ef\u4ee5\u7533\u8bf7\u52a0\u62ff\u5927\u9000\u4f11\u91d1\u8ba1\u5212 (CPP) \u4e0b\u7684\u798f\u5229\u3002CPP \u5411\u6b8b\u75be\u4eba\u58eb\u652f\u4ed8\u798f\u5229\uff0c\u4ee5\u5f25\u8865\u5176\u6536\u5165\u635f\u5931\u3002\u798f\u5229\u6309\u6708\u652f\u4ed8\u3002CPP \u53d7\u76ca\u4eba\u7684\u53d7\u629a\u517b\u5b50\u5973\u4e5f\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97 CPP \u4e0b\u7684\u5b50\u5973\u798f\u5229\u3002<\/p>\n<p><strong>\u8981\u7b26\u5408\u8fd9\u4e9b\u798f\u5229\u7684\u8d44\u683c\uff0c\u60a8\u5fc5\u987b\uff1a<\/strong><\/p>\n<ul>\n<li>\u60a3\u6709\u4e25\u91cd\u7684\u957f\u671f\u6b8b\u75be\uff0c\u4e14\u8be5\u6b8b\u75be\u4f7f\u60a8\u65e0\u6cd5\u4ece\u4e8b\u4efb\u4f55\u5de5\u4f5c\u3002<\/li>\n<li>\u5728\u6b8b\u75be\u4e4b\u524d\u5df2\u5411 CPP \u7f34\u7eb3\u8db3\u591f\u7684\u4f9b\u6b3e<\/li>\n<li>\u672a\u6ee165\u5c81\u3002<\/li>\n<\/ul>\n<p>\u5982\u679c\u60a8\u7684 CPP 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