Pr For Canada

School,medical is free.for medicines ,if you have insurance it will be covered to some extent.pension plan depends on how much you contribute while working.Its extreme winter in Canada and some people take time to adjust.most of the companies ask for Canadian experience for jobs and referrals work better than applying in monster or other job portals.Anyway it's like starting life from scratch again and might take 1-2 years to settle completely

 

I am living in Canada and I will be applying for PR soon too. So to answer your questions :-

1. Medical : Consultations with Doctors including specialists are covered by health service. Same with surgeries. Medicines are NOT (depending on the province). In BC for example, there is a need based govt. plan for medicines called PharmaServe which covers partial or full cost of medication after you spend a certain amount on medication. That amount called threshold is calculated by your family income. There is an ongoing national level protest for introducing PharmaServe at national level. There are many other medical services that are covered too : like mental health, counseling, nutrition expert etc. That said there are gaps. Sometimes government only covers generic drugs and greedy bastards in pharma industry stop production of generic drugs and only branded drugs are available and those can be EXTREMELY expensive.

2. Retirement : There is basic pension available after a certain age 65 or so, but most canadians have to put money in their RRSP (Canada's EPF). RRSP is a complex thing and to do justice you will need to spend more time on it than just a forum post. That said, if you have solved your housing situation, most likekly you will be fine. Most canadians these days start with condo in their 20s or 30s, move to house in 40s and then once kids grow up, downsize to condos and take profits (which are tax free, depending upon certain conditions) for retirement.

3. During Canadian PR, there will be a medical test. Don't know about your personal case but it can lead to rejection if your chronic issue is expensive. That said,I will say attempt it still. Better try and not regret later.

4. Canada has harsh winter, true, but it is extremely well adapted for winter. How so? Many ways. Cities like Toronto have massive underground street network to avoid running in cold streets. There are many Palika Bazaar like underground markets. Many places give away warm clothes for free even for homeless. Buses are all heated, so are all trains and common areas of all apartments or govt buildings.

5. If you want, you can live in B.C. which has a very moderate weather with almost no days for snow for many cities. Surrey has massive Sikh population in B.C., Burnaby has a decent Mallu population, Vancouver is truely cosmopolitin and so on. All of these places are very mild with almost no snow. If you want even more snow free and mild weather, look at southern tip of Vancouver Island, victoria, Nanaimo and you will be fine.

6. Does your hubby have a job lined up in Canada? If not then don't jump headlong. First either secure a job offer and/or a transfer to canada. Its easier that way. Single hardest thing to do in Canada is to land in a job without fabled Canadian Work Exp. Actually it will help to get Provincial nomination and points too. A job offer in IT in B.C. can get you provincial nomination in less than 7 days and PR in less than 2 months.