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Income Tax Preparation for Senior
April 12, 2020
5:40 pm
GICinvestor
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My MIL is in lockdown. I have been chosen to do her taxes this year.

Missing CPP and OAS T4A
Missing 2018 income tax copy. So can't open a CRA account to download.
Any ideas to obtain those 2 slips?

She has to do 2 things ....look thoroughly and call her old address to see if delivered there.

Also she has a $5200 receipt for hearing aids from Dec 2018. Is there a form to allow to re submit for 2018? I can't be sure if I can use, for 2019, the period of Dec 1 2018 to Dec 1 2019 because I cannot see her 2018 income taxes. Any ideas.

Thanks.

April 12, 2020
6:15 pm
Rodster
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OAS for 2019 was $7,271.67 for those who received it for a full year in 2019.

The CPP could be computed by adding up all the CPP deposits on her bank account for 2019. If that isn't possible, use the 2017 CPP from her tax return and adjust for the 2018 and 2019 inflation factor. Check with CRA to see if you have the inflation adjustments correct.

Here is a link to the T1 Adjustment form which should enable you to amend your MIL's 2018 return.

https://www.canada.ca/content/dam/cra-arc/formspubs/pbg/t1-adj/t1-adj-08-18e.pdf

April 12, 2020
6:43 pm
Doug
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GICinvestor said
My MIL is in lockdown. I have been chosen to do her taxes this year.

Missing CPP and OAS T4A
Missing 2018 income tax copy. So can't open a CRA account to download.
Any ideas to obtain those 2 slips?

She has to do 2 things ....look thoroughly and call her old address to see if delivered there.

Also she has a $5200 receipt for hearing aids from Dec 2018. Is there a form to allow to re submit for 2018? I can't be sure if I can use, for 2019, the period of Dec 1 2018 to Dec 1 2019 because I cannot see her 2018 income taxes. Any ideas.

Thanks.  

Register for CRA My Account for your mother-in-law, using her information. I'm sure she won't mind. You can then connect through via a pass-through to the Service Canada account and reprint digital copies of her CPP and OAS slips. sf-cool

Could also have her fill out a CRA form to be represented by you; you would then go online and apply as her representative, and be granted access to her account. This would not give you access to her Service Canada account, though. However, you could still get the digital information from the T-slips.

Surely you can probably find a copy of her 2018 tax return, possibly from a previous tax preparer.

Cheers,
Doug

April 12, 2020
6:59 pm
Bill
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If you can register her for My Account you're set. OAS and CPP slips will be there, you can amend 2018 return there easily too.

April 12, 2020
8:00 pm
GICinvestor
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Thanks Rodster

OAS for 2019 was $7,271.67 for those who received it for a full year in 2019.

That should be easy even if she has taxes taken off. $7,271.67 minus the bank deposits = taxes paid.

The CPP could be computed by adding up all the CPP deposits on her bank account for 2019.

But not sure if she has taxes deducted. I have her total deposits for both OAS and CPP.

If that isn't possible, use the 2017 CPP from her tax return and adjust for the 2018 and 2019 inflation factor. Check with CRA to see if you have the inflation adjustments correct.

That’s a problem....we cannot enter her assisted living to find. And she did a mass cleaning/shredding a few months ago. I have asked that she checks again. My fingers are crossed. She had 3 husbands so her CPP isn’t the norm.

Here is a link to the T1 Adjustment form which should enable you to amend your MIL's 2018 return.
https://www.canada.ca/content/dam/cra-arc/formspubs/pbg/t1-adj/t1-adj-08-18e.pdf

THANK YOU. Boy it is sure important to keep records for at least a couple of years. I keep mine in a ten year rotation. I hope she can pull 2018 out of the closet!

April 12, 2020
8:09 pm
GICinvestor
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Thanks Doug.

Register for CRA My Account for your mother-in-law, using her information. I'm sure she won't mind. You can then connect through via a pass-through to the Service Canada account and reprint digital copies of her CPP and OAS slips. sf-cool

Could also have her fill out a CRA form to be represented by you; you would then go online and apply as her representative, and be granted access to her account. This would not give you access to her Service Canada account, though. However, you could still get the digital information from the T-slips.

Surely you can probably find a copy of her 2018 tax return, possibly from a previous tax preparer.

Hopefully she will find I need a number from line 121, 2018 taxes, to apply for My Account. It all hinges on seeing 2018 and hopefully not a backlog to mail me the code for access.

April 12, 2020
8:09 pm
GICinvestor
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Bill said
If you can register her for My Account you're set. OAS and CPP slips will be there, you can amend 2018 return there easily too.  

Thanks Bill

April 13, 2020
8:25 am
Doug
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GICinvestor said
Thanks Doug.

Hopefully she will find I need a number from line 121, 2018 taxes, to apply for My Account. It all hinges on seeing 2018 and hopefully not a backlog to mail me the code for access.  

Does she have online banking for any of her banks? You could possibly sign-in to My Account through the Sign-In Partner route? Also, if she lives in British Columbia (like you), British Columbia driver's licenses and identification cards have been added as a sign-in partner. So that may be a quicker route to My Account versus registering for a CRA login. Not sure if she'll need a B.C. eID in order to use that as a sign-in partner, but that's a quick trip to the Service B.C. office (still open, unlike Service Canada offices) to verify her ID.

Cheers,
Doug

April 13, 2020
10:02 am
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Hi Doug.

I have tried to set up an account for her using the BMO logon. She has never had an account. So what happens you have to do some verification first like, SIN, BD, and the number in line 121 of 2018 tax forms. And so far we can’t come up with her 2018 tax forms. Both my wife and I have accounts and of course I sign into both but my wife has never signed into hers. So I was verifying our TFSA accounts and I had to submit line 121 for my wife’s account and wait a week for a code to get back into her account. That is kind of an ancient way to re initiate an account. But have no problem with first time set up. Since we can’t see her OAS and CPP slips and address I now wonder what address CRA has for her. If I do get line 121, where will they mail it to. Yes all other T slips have correct address. So in answer to your idea, I doubt if the process would be different if I used her health card. But I will ask her to take a pic of front and back and try.

April 13, 2020
10:51 am
Bill
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Why not just file guessing at the numbers (in her favour wherever you can) and indicating new address, they'll surely correct and send her an NOA. Lots of people move during a year and don't notify CRA until tax time, I presume. And maybe the 2019 NOA will have the line info you need to open up My Account so then you can easily amend her 2018 return. I'm guessing they're very busy, CRA's looking after CERB, etc, so any snail mail docs like amending returns will probably take a lot longer than usual for them to process.

Another option would be for her to call, explain her situation and what do they suggest? They love sending people to electronic methods so maybe they will open My Account with her on the phone.

April 13, 2020
11:54 am
Doug
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GICinvestor said
Hi Doug.

I have tried to set up an account for her using the BMO logon. She has never had an account. So what happens you have to do some verification first like, SIN, BD, and the number in line 121 of 2018 tax forms. And so far we can’t come up with her 2018 tax forms. Both my wife and I have accounts and of course I sign into both but my wife has never signed into hers. So I was verifying our TFSA accounts and I had to submit line 121 for my wife’s account and wait a week for a code to get back into her account. That is kind of an ancient way to re initiate an account. But have no problem with first time set up. Since we can’t see her OAS and CPP slips and address I now wonder what address CRA has for her. If I do get line 121, where will they mail it to. Yes all other T slips have correct address. So in answer to your idea, I doubt if the process would be different if I used her health card. But I will ask her to take a pic of front and back and try.  

Awww...geez, what's the point of using a Sign In Partner then? I thought the whole point was to avoid the mail verification. I get the point of verifying identity, but that was the point of using the SecureKey verification with one's online banking system. Too bad. 🙁

Cheers,
Doug

April 13, 2020
12:00 pm
Doug
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Bill said
Why not just file guessing at the numbers (in her favour wherever you can) and indicating new address, they'll surely correct and send her an NOA. Lots of people move during a year and don't notify CRA until tax time, I presume. And maybe the 2019 NOA will have the line info you need to open up My Account so then you can easily amend her 2018 return. I'm guessing they're very busy, CRA's looking after CERB, etc, so any snail mail docs like amending returns will probably take a lot longer than usual for them to process.

Another option would be for her to call, explain her situation and what do they suggest? They love sending people to electronic methods so maybe they will open My Account with her on the phone.  

Hi Bill,

Does the mother-in-law have her 2018 NOA? Absolutely that would work, as line 121 is included there. I would've suggested that, but assumed mother-in-law had neither tax return nor NOA (not good recordkeeping—GICinvestor's spouse may want to "tsk tsk" to her mom, and even take over the recordkeeping and storage going forward!).

As for the telephone suggestion, I do know CRA can speak to you over the phone. It may be possible to have them ask verification questions of the mother-in-law, excluding that tax return line question, in order to get the line 121 information. However, seeing as GICinvestor was able to sign in to his mother-in-law's BMO online banking, or his wife's online banking, the line 121 may not be needed as that's the method of verification and then they still send out the code (which is silly).

Cheers,
Doug

April 13, 2020
12:35 pm
Bill
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Doug, I don't think she has the 2018 NOA, I'm thinking if you file and a 2019 NOA is issued then maybe the question asked to open My Account would pertain to the 2019 assessed return, the last return filed and assessed.

April 13, 2020
2:23 pm
Doug
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Bill said
Doug, I don't think she has the 2018 NOA, I'm thinking if you file and a 2019 NOA is issued then maybe the question asked to open My Account would pertain to the 2019 assessed return, the last return filed and assessed.  

Ah, yes, good point. And you're right, it would then use the line 121. However, without certain T slips, how does the mother-in-law file their 2019 return? Or, are you saying to guesstimate on the amounts, file, have the return be assessed, and then register online using the 2019 tax information? Once registered, amend the return online via My Account to fill in the correct T-slip information?

Cheers,
Doug

April 13, 2020
4:44 pm
Bill
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Sure, either way, just file a return, any return, they'll assess it. If they don't already make the corrections based on the T-slip info they have (i.e. they're expecting to catch discrepancies at a later time whenever they run their matching programs), then yes, you can go and amend the return to actual once you get My Account opened after receiving your NOA.

April 13, 2020
8:43 pm
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I am going to keep a bit of pressure on. I can do her taxes and she is still able to be responsible to ensure she has her previous taxes and tracks down the T4As. Also her son in the past years has had her taxes done by his company accountant.

Frustrations.
MIL reluctant to call new owner of her condo as they were passing mail to her friend in condo and then hand delivered to her. The home is 4 blocks away from old condo.
Son may have possession her 2018 taxes. Son only has to call, golf buddy, accountant and ask for a copy or $’s on line 122.
I just want to get the “favour” done.

I could get wife, POA, to call CRA for advice.
I could, for sure figure out, as suggested, her OAS as we all get the same and deduct the total deposits = taxes withheld.
For CPP I guess I could just report her total deposits and pretend there were no taxes withheld. But I am confident that she has them deducted.

But so much easier to get access to “My Account” but am expecting some hurdles due to lackadaisicalness.

The hearing aids she wants claimed for 2019 with a receipt for 2018, I just to avoid any hassle I will resubmit it against her 2018 return.

I checked our NOA...Notice of Assessment....there is no mention of line 121.

Thanks everyone!

April 14, 2020
8:36 am
Bill
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GICinvestor, up to you but for CPP I wouldn't pretend there was no tax withheld, just make up a generous amount of taxes withheld for line 43700 and they'll be sure to let you know if you're wrong.

I've also had that situation where they asked me a line number amount not on the NOA and I told them I've only got the NOA with me, I need a few minutes to go downstairs to my filing cabinet, and they said don't bother and instead asked me for the amount on a line number on the NOA.

Lackadaisicalness, I'm using it!

April 14, 2020
9:20 am
Doug
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Bill said
GICinvestor, up to you but for CPP I wouldn't pretend there was no tax withheld, just make up a generous amount of taxes withheld for line 43700 and they'll be sure to let you know if you're wrong.

I've also had that situation where they asked me a line number amount not on the NOA and I told them I've only got the NOA with me, I need a few minutes to go downstairs to my filing cabinet, and they said don't bother and instead asked me for the amount on a line number on the NOA.

Lackadaisicalness, I'm using it!  

Concur with all of the above from Bill. Yeah, they normally ask me for lines 150, 260, or 236, but if they asked me for a line not in my NOA, I can confirm they simply asked me for another line. So that's definitely an option. sf-cool

As to Bill's first paragraph, agreed...over-estimate the amount of tax owed, or under-estimate the tax already paid, and CRA should do the correction. They'll either do the correction right away, in which case, you're good. Or, they'll do it within a month, and you can login to CRA My Account and amend the return proactively.

If nothing else came from this, I suspect your mother-in-law's recordkeeping habits have come under your and your spouse's scrutiny, and those will be corrected going forward. So that's a plus. 😉

Cheers,
Doug

April 14, 2020
9:27 am
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Thanks Bill.

I have some time left so hopefully I will see that line 121 number.

I am understanding that if you don’t change address with CRA that you cannot NetFile? So would have to mail the return.

If that is the case and if I cannot obtain the T4As I think I will put the amount in as per bank deposits and no income tax withdrawn and put a letter with the tax forms with an explanation.

I did read up on OAS and now wonder if she gets the full amount as she lived in the USA for 10 years. I don’t know if that would mean she would get a lesser amount.

Thanks.

April 14, 2020
9:41 am
Doug
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GICinvestor said
Thanks Bill.

I have some time left so hopefully I will see that line 121 number.

I am understanding that if you don’t change address with CRA that you cannot NetFile? So would have to mail the return.

If that is the case and if I cannot obtain the T4As I think I will put the amount in as per bank deposits and no income tax withdrawn and put a letter with the tax forms with an explanation.

I did read up on OAS and now wonder if she gets the full amount as she lived in the USA for 10 years. I don’t know if that would mean she would get a lesser amount.

Thanks.  

I think you have that backwards. As long as your address isn't being changed on your return, you can use NetFile. There's nothing to preclude one from changing their address before NetFile, either by telephone call to the CRA, through My Account (if one had access), or via paper form. Then, you can absolutely still use NetFile.

As to your last paragraph, I'm confused what you mean. To qualify for OAS and one currently resides in Canada at the time of application, they must:
"- be 65 years old or older;
- be a Canadian citizen or a legal resident at the time [of approval of] your OAS pension application; and
- have resided in Canada for at least 10 years since the age of 18"

If, at the time of your application for OAS, you resided outside of Canada, then you must:
"- be 65 years old or older
- have been a Canadian citizen or a legal resident of Canada on the day before you left Canada; and
- have resided in Canada for at least 20 years since the age of 18"

Did she live in Canada for at least 20, presumably non-contiguous, years since her age 18?

Cheers,
Doug

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