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	<title>Comments for Travel Insurance File</title>
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	<description>Online clearinghouse for Travel Insurance News and Commentary” –Independent, Objective, Factual and Current</description>
	<lastBuildDate>Thu, 02 Feb 2012 19:17:42 +0000</lastBuildDate>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Natasha</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20475</link>
		<dc:creator>Natasha</dc:creator>
		<pubDate>Thu, 02 Feb 2012 19:17:42 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20475</guid>
		<description>Can you please recomment a tax advisor for cross border issues so I may direct my question above to them.
Thank you</description>
		<content:encoded><![CDATA[<p>Can you please recomment a tax advisor for cross border issues so I may direct my question above to them.<br />
Thank you</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Paul Perry</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20406</link>
		<dc:creator>Paul Perry</dc:creator>
		<pubDate>Wed, 01 Feb 2012 22:45:32 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20406</guid>
		<description>Thanks, I&#039;ll pass that along.  

Looking over the Work Visa&#039;s I don&#039;t find one that would cover someone who comes here to do a job that there are plenty of qualified people in the U.S. workforce who you could hire to do it.  I&#039;ve looked at the NAFTA job catagories and the special provisions for employers to hire people from outside the country to do jobs we have shortages of qualified labors to perform here.  

So from my limited search there doesn&#039;t seem to be a work visa for someone who has a job offer to come here and do non-skilled labor.  Is there any other VISA catagory that I am overlooking that might work?</description>
		<content:encoded><![CDATA[<p>Thanks, I&#8217;ll pass that along.  </p>
<p>Looking over the Work Visa&#8217;s I don&#8217;t find one that would cover someone who comes here to do a job that there are plenty of qualified people in the U.S. workforce who you could hire to do it.  I&#8217;ve looked at the NAFTA job catagories and the special provisions for employers to hire people from outside the country to do jobs we have shortages of qualified labors to perform here.  </p>
<p>So from my limited search there doesn&#8217;t seem to be a work visa for someone who has a job offer to come here and do non-skilled labor.  Is there any other VISA catagory that I am overlooking that might work?</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Milan Korcok</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20401</link>
		<dc:creator>Milan Korcok</dc:creator>
		<pubDate>Wed, 01 Feb 2012 21:57:57 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20401</guid>
		<description>Robyn:
 
I don&#039;t fully understand your question but the bottom line is that you cannot spend more than 6 months in the U.S. in total in the time frame of one calendar year--that is from January 1 through to December 31. No matter how many times you go back to Canada or for how long you go back to Canada. The fact you own a home in Victoria and you are a Canadian pensioner makes no difference. 
 
Milan</description>
		<content:encoded><![CDATA[<p>Robyn:</p>
<p>I don&#8217;t fully understand your question but the bottom line is that you cannot spend more than 6 months in the U.S. in total in the time frame of one calendar year&#8211;that is from January 1 through to December 31. No matter how many times you go back to Canada or for how long you go back to Canada. The fact you own a home in Victoria and you are a Canadian pensioner makes no difference. </p>
<p>Milan</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Milan Korcok</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20400</link>
		<dc:creator>Milan Korcok</dc:creator>
		<pubDate>Wed, 01 Feb 2012 21:57:34 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20400</guid>
		<description>I&#039;m not a lawyer and I certainly would not offer legal advice.  But from the description of what these men are doing, they clearly are not just visitors.  
They have duties. They are getting room and board in return for their &quot;work.&quot;
There is enough of a grey area that you need professional advice now, before they jeopardize their status. 
 
Milan</description>
		<content:encoded><![CDATA[<p>I&#8217;m not a lawyer and I certainly would not offer legal advice.  But from the description of what these men are doing, they clearly are not just visitors.<br />
They have duties. They are getting room and board in return for their &#8220;work.&#8221;<br />
There is enough of a grey area that you need professional advice now, before they jeopardize their status. </p>
<p>Milan</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Paul Perry</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20336</link>
		<dc:creator>Paul Perry</dc:creator>
		<pubDate>Wed, 01 Feb 2012 03:55:25 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20336</guid>
		<description>Milan, 

It looks like from going back and reading the responses to other questions that you have addressed my first question,  you have also raised one I was not aware was an issue, i.e. whether these three men would be considered to be &quot;working&quot; in the U.S.  As I said they are not being paid and don&#039;t have any assigned duties they are just staying at this minsitry house and volunteering to do whatever needs to be done. Do you think this violates the law?

What type of Visa do you think would work best in this situation?   Where do I start.</description>
		<content:encoded><![CDATA[<p>Milan, </p>
<p>It looks like from going back and reading the responses to other questions that you have addressed my first question,  you have also raised one I was not aware was an issue, i.e. whether these three men would be considered to be &#8220;working&#8221; in the U.S.  As I said they are not being paid and don&#8217;t have any assigned duties they are just staying at this minsitry house and volunteering to do whatever needs to be done. Do you think this violates the law?</p>
<p>What type of Visa do you think would work best in this situation?   Where do I start.</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Linda</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20333</link>
		<dc:creator>Linda</dc:creator>
		<pubDate>Wed, 01 Feb 2012 03:43:19 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20333</guid>
		<description>Hi,
 
I&#039;m sorry but i think your response didn&#039;t answer my questions.   I asked: 

I’m planning to go to the u.s. for a while. According to you, I’m allowed to stay in the states for 6 months max. After i come back to Canada within that 6 months limit, can I go back to the states right away? or i have to stay in Canada for a while before i can leave to the states again? If i have to stay in Canada for a while, how long do i have to stay for?</description>
		<content:encoded><![CDATA[<p>Hi,</p>
<p>I&#8217;m sorry but i think your response didn&#8217;t answer my questions.   I asked: </p>
<p>I’m planning to go to the u.s. for a while. According to you, I’m allowed to stay in the states for 6 months max. After i come back to Canada within that 6 months limit, can I go back to the states right away? or i have to stay in Canada for a while before i can leave to the states again? If i have to stay in Canada for a while, how long do i have to stay for?</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Paul Perry</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20330</link>
		<dc:creator>Paul Perry</dc:creator>
		<pubDate>Wed, 01 Feb 2012 02:56:35 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20330</guid>
		<description>A non-profit Christian ministry has three Canadian workers who came down and are helping man the phones, work with duplicating videos, etc. As I understand the law they will have to return to Canada before 6 months is up from the time they came to the US.  They are enjoying their work and would like to stay in the US.  They are currently volunteers being provided with Room and Board but the possibility exits to pay them if that would help them qualify for a VISA.  Two questions (1) how long do they have to stay in Canada before they qualify to return to the US for another 6 months visit?  What is the best type of VISA to apply for in this situtaiton and how complicated is it. 

Thanks 

Paul</description>
		<content:encoded><![CDATA[<p>A non-profit Christian ministry has three Canadian workers who came down and are helping man the phones, work with duplicating videos, etc. As I understand the law they will have to return to Canada before 6 months is up from the time they came to the US.  They are enjoying their work and would like to stay in the US.  They are currently volunteers being provided with Room and Board but the possibility exits to pay them if that would help them qualify for a VISA.  Two questions (1) how long do they have to stay in Canada before they qualify to return to the US for another 6 months visit?  What is the best type of VISA to apply for in this situtaiton and how complicated is it. </p>
<p>Thanks </p>
<p>Paul</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Robyn</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20313</link>
		<dc:creator>Robyn</dc:creator>
		<pubDate>Tue, 31 Jan 2012 23:24:00 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20313</guid>
		<description>I have been reading your answers and would like to clarify with you a point that you made regarding a Canadian citizen residing in United States.  My boyfriend lives in Washington State.  I have been traveling from Victoria B.C. to stay with him and these visits have been increasing in time spent in the US.  Starting the new calendar year in January 2012 if I stay with him for up to 6 weeks is it cumulative to the 6 months allowed unless when I return to Canada I stay for at least 30 days at one time?  If I do this does the time clock start over again when I return to the states?  I spent 118 days at his home last year.  So far this year I&#039;ve been here 31 days.  I am retired and have Canadian pension income and own a home in Victoria B.C.</description>
		<content:encoded><![CDATA[<p>I have been reading your answers and would like to clarify with you a point that you made regarding a Canadian citizen residing in United States.  My boyfriend lives in Washington State.  I have been traveling from Victoria B.C. to stay with him and these visits have been increasing in time spent in the US.  Starting the new calendar year in January 2012 if I stay with him for up to 6 weeks is it cumulative to the 6 months allowed unless when I return to Canada I stay for at least 30 days at one time?  If I do this does the time clock start over again when I return to the states?  I spent 118 days at his home last year.  So far this year I&#8217;ve been here 31 days.  I am retired and have Canadian pension income and own a home in Victoria B.C.</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Milan Korcok</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20276</link>
		<dc:creator>Milan Korcok</dc:creator>
		<pubDate>Tue, 31 Jan 2012 15:14:10 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20276</guid>
		<description>Linda:
 
I suggest your mother take her case to the Ombudsman for Life and Health Insurance (OLHI), a national organization set up to handle grievances such as hers. She will get an independent hearing and it is free. You can find OHLI on the web.
 
The sytem is not designed to make victims out of its clients.  If it were it would not last long. I can&#039;t comment on the fairness of the insurer in assessing your mother&#039;s case as I have not seen all the details and how she answered the questions put to her. But certainly it is important to answer all questions accurately as that is all the insurer has to go on in deciding whether to provide coverage. For that reason I recommend that any senior who has a chronic condition requiring consistent treatment or is on several medications ask their doctor to help them complete their medical questionnaires, even if they have to pay for it. 
 
You ask if there are any insurers who examine applicants medical records before application? No.  They couldn&#039;t possibly do that for the 22 million trips Canadians make out of the country each year.  They rely solely on the information provided to them in the questionnaires. They guarantee coverage only if the information they were given was accurate, and often that does not come to light until after a claim is questioned and they examine the clients medical record.
 
Milan</description>
		<content:encoded><![CDATA[<p>Linda:</p>
<p>I suggest your mother take her case to the Ombudsman for Life and Health Insurance (OLHI), a national organization set up to handle grievances such as hers. She will get an independent hearing and it is free. You can find OHLI on the web.</p>
<p>The sytem is not designed to make victims out of its clients.  If it were it would not last long. I can&#8217;t comment on the fairness of the insurer in assessing your mother&#8217;s case as I have not seen all the details and how she answered the questions put to her. But certainly it is important to answer all questions accurately as that is all the insurer has to go on in deciding whether to provide coverage. For that reason I recommend that any senior who has a chronic condition requiring consistent treatment or is on several medications ask their doctor to help them complete their medical questionnaires, even if they have to pay for it. </p>
<p>You ask if there are any insurers who examine applicants medical records before application? No.  They couldn&#8217;t possibly do that for the 22 million trips Canadians make out of the country each year.  They rely solely on the information provided to them in the questionnaires. They guarantee coverage only if the information they were given was accurate, and often that does not come to light until after a claim is questioned and they examine the clients medical record.</p>
<p>Milan</p>
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		<title>Comment on How Long Can A Canadian Snowbird Stay Out of the Country? by Linda</title>
		<link>http://travelinsurancefile.com/headlines/how-long-can-a-canadian-snowbird-stay-out-of-the-country/comment-page-2/#comment-20232</link>
		<dc:creator>Linda</dc:creator>
		<pubDate>Tue, 31 Jan 2012 02:37:35 +0000</pubDate>
		<guid isPermaLink="false">http://travelinsurancefile.com/?p=999#comment-20232</guid>
		<description>Hi, I&#039;m planning to go to the u.s. for a while.  According to you, I&#039;m allowed to stay in the states for 6 months max.  After i come back to Canada within that 6 months limit, can I go back to the states right away? or i have to stay in Canada for a while before i can leave to the states again? If i have to stay in Canada for a while, how long do i have to stay for? 

Thanks, 
Linda</description>
		<content:encoded><![CDATA[<p>Hi, I&#8217;m planning to go to the u.s. for a while.  According to you, I&#8217;m allowed to stay in the states for 6 months max.  After i come back to Canada within that 6 months limit, can I go back to the states right away? or i have to stay in Canada for a while before i can leave to the states again? If i have to stay in Canada for a while, how long do i have to stay for? </p>
<p>Thanks,<br />
Linda</p>
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