{"id":1285,"date":"2025-12-19T00:06:32","date_gmt":"2025-12-19T00:06:32","guid":{"rendered":"https:\/\/canada.truenorthtaxes.ca\/?p=1285"},"modified":"2025-12-19T00:06:32","modified_gmt":"2025-12-19T00:06:32","slug":"notice-of-assessment","status":"publish","type":"post","link":"https:\/\/truenorthbenefits.ca\/taxes\/notice-of-assessment\/","title":{"rendered":"Notice of Assessment Canada"},"content":{"rendered":"\n<style>\n:root {\n    --primary-color: #4F46E5;\n    --secondary-color: #10B981;\n    --text-dark: #1F2937;\n    --text-light: #6B7280;\n    --bg-light: #F9FAFB;\n    --border-color: #E5E7EB;\n    --success-color: #059669;\n    --warning-color: #F59E0B;\n}\n\n.vftc-wrapper {\n    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;\n    max-width: 1200px;\n    margin: 0 auto;\n    padding: 20px;\n    color: var(--text-dark);\n}\n\n.vftc-hero {\n    text-align: center;\n    padding: 40px 20px;\n    background: #4F46E5;\n    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12px rgba(0, 0, 0, 0.2);\n}\n\n@media (max-width: 768px) {\n    .vftc-hero h1 {\n        font-size: 1.8em;\n    }\n    \n    .vftc-content {\n        padding: 24px;\n    }\n    \n    .vftc-features-grid {\n        grid-template-columns: 1fr;\n    }\n}\n<\/style>\n\n<div class=\"vftc-wrapper\">\n    <div class=\"vftc-hero\">\n        <h1>Notice of Assessment Canada 2026<\/h1>\n        <p>Your annual tax report card from the CRA \u2014 what it means, how to get it, and why you need to keep it safe<\/p>\n    <\/div>\n\n    <div class=\"vftc-content\">\n        <p>You hit &#8220;submit&#8221; on your tax return weeks ago, and now there&#8217;s an envelope from the Canada Revenue Agency sitting in your mailbox (or an email notification lighting up your phone). That&#8217;s your Notice of Assessment, and before you toss it in the &#8220;deal with later&#8221; pile, hold up. This isn&#8217;t just another piece of government mail you can ignore while binge-watching Netflix. It&#8217;s basically your financial report card, mortgage application golden ticket, and proof of income all rolled into one document.<\/p>\n\n        <div class=\"vftc-highlight-box\">\n            <h3>\u26a1 Quick Answer<\/h3>\n            <p><strong>A Notice of Assessment (NOA) is the official summary document<\/strong> the CRA sends after processing your tax return. It confirms whether you&#8217;re getting a refund or owe money, details any changes made to your return, and includes critical info like your RRSP contribution room and tax bracket. You&#8217;ll receive it 2-8 weeks after filing, depending on whether you filed electronically or by mail.<\/p>\n        <\/div>\n\n        <h2>\n            <div class=\"vftc-icon\">\n                <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M9 12h6m-6 4h6m2 5H7a2 2 0 01-2-2V5a2 2 0 012-2h5.586a1 1 0 01.707.293l5.414 5.414a1 1 0 01.293.707V19a2 2 0 01-2 2z\"><\/path>\n                <\/svg>\n            <\/div>\n            What&#8217;s Actually Inside Your Notice of Assessment?\n        <\/h2>\n        \n        <p>Think of your NOA as the CRA&#8217;s response to your tax return submission. It&#8217;s typically a two-page document packed with numbers that either make you smile (refund incoming!) or wince (balance owing). But there&#8217;s way more to it than just the bottom line. Here&#8217;s what the CRA includes in every Notice of Assessment:<\/p>\n\n        <div class=\"vftc-features-grid\">\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M9 7h6m0 10v-3m-3 3h.01M9 17h.01M9 14h.01M12 14h.01M15 11h.01M12 11h.01M9 11h.01M7 21h10a2 2 0 002-2V5a2 2 0 00-2-2H7a2 2 0 00-2 2v14a2 2 0 002 2z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>Tax Assessment Summary<\/h4>\n                <p>Line-by-line breakdown of your income, deductions, and credits. The CRA compares what you submitted against what they calculated, showing any adjustments they made.<\/p>\n            <\/div>\n\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M17 9V7a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2m2 4h10a2 2 0 002-2v-6a2 2 0 00-2-2H9a2 2 0 00-2 2v6a2 2 0 002 2zm7-5a2 2 0 11-4 0 2 2 0 014 0z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>Refund or Balance Owing<\/h4>\n                <p>The verdict: whether you&#8217;re getting money back, need to pay up, or broke even. If you owe money, there&#8217;s usually a remittance voucher attached.<\/p>\n            <\/div>\n\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8c-1.657 0-3 .895-3 2s1.343 2 3 2 3 .895 3 2-1.343 2-3 2m0-8c1.11 0 2.08.402 2.599 1M12 8V7m0 1v8m0 0v1m0-1c-1.11 0-2.08-.402-2.599-1M21 12a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>RRSP Contribution Room<\/h4>\n                <p>Your maximum allowable RRSP contributions for the following year, plus any unused contribution room carried forward from previous years.<\/p>\n            <\/div>\n\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M15 7a2 2 0 012 2m4 0a6 6 0 01-7.743 5.743L11 17H9v2H7v2H4a1 1 0 01-1-1v-2.586a1 1 0 01.293-.707l5.964-5.964A6 6 0 1121 9z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>Netfile Access Code<\/h4>\n                <p>That 8-character alphanumeric code on the right side of your NOA? You&#8217;ll need it to electronically file next year&#8217;s return. Guard it like your Tim Hortons rewards login.<\/p>\n            <\/div>\n\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11 5H6a2 2 0 00-2 2v11a2 2 0 002 2h11a2 2 0 002-2v-5m-1.414-9.414a2 2 0 112.828 2.828L11.828 15H9v-2.828l8.586-8.586z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>Changes Explanation<\/h4>\n                <p>If the CRA adjusted your return, they&#8217;ll explain what they changed and why. Maybe they caught a math error, disallowed a deduction, or added income they received from your employer&#8217;s <a href=\"https:\/\/truenorthbenefits.ca\/taxes\/t4-slip-canada\/\" style=\"color: var(--primary-color); text-decoration: none; font-weight: 600;\">T4 slip<\/a>.<\/p>\n            <\/div>\n\n            <div class=\"vftc-feature-card\">\n                <div class=\"vftc-feature-icon\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z\"><\/path>\n                    <\/svg>\n                <\/div>\n                <h4>TFSA Contribution Room<\/h4>\n                <p>Your available Tax-Free Savings Account contribution space for the next year. Unlike RRSP room, this doesn&#8217;t depend on your income \u2014 everyone gets the same annual limit, plus unused room carried forward.<\/p>\n            <\/div>\n        <\/div>\n\n        <h2>\n            <div class=\"vftc-icon\">\n                <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path>\n                <\/svg>\n            <\/div>\n            How (And When) You&#8217;ll Receive Your NOA\n        <\/h2>\n\n        <p>The waiting game after filing your taxes is real, eh? Timing depends entirely on how you submitted your return. Filed through NETFILE or EFILE? Expect your Notice of Assessment within 2 weeks. Sent a paper return by mail? Buckle up for 4-8 weeks, possibly longer if you filed near the April 30 deadline when the CRA is swamped.<\/p>\n\n        <p>Living outside Canada? International mail can take up to 16 weeks for non-residents filing personal income tax returns. This is precisely why registering for CRA My Account and choosing online mail delivery is a game-changer \u2014 you get instant access the moment your return is processed, regardless of where in the world you&#8217;re living.<\/p>\n\n        <h3>Getting Your NOA Online vs. Mail<\/h3>\n\n        <p>The CRA offers two delivery methods, and honestly, going digital is the way forward. Through CRA My Account or the MyCRA mobile app, you can view, download, and print your NOA as a PDF the second it&#8217;s available. No waiting for postal delays, no risk of it getting lost in the mail, and you can access NOAs from the current year plus the previous three years anytime.<\/p>\n\n        <p>If you&#8217;re old-school and prefer paper, the CRA will mail it to the address on your tax return. Just know that if you&#8217;ve moved and forgot to update your address, you might be waiting a while \u2014 or it might end up at your old place where your former roommate is using it as a bookmark.<\/p>\n\n        <div class=\"vftc-cta-box\">\n            <h3>Ready to Calculate Your 2025 Taxes?<\/h3>\n            <p>Estimate your refund or balance owing before the CRA sends your NOA<\/p>\n            <a href=\"https:\/\/truenorthbenefits.ca\/taxes\/income-tax-calculator\/\" class=\"vftc-cta-button\">Try Our Tax Calculator<\/a>\n        <\/div>\n\n        <h2>\n            <div class=\"vftc-icon\">\n                <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M21 13.255A23.931 23.931 0 0112 15c-3.183 0-6.22-.62-9-1.745M16 6V4a2 2 0 00-2-2h-4a2 2 0 00-2 2v2m4 6h.01M5 20h14a2 2 0 002-2V8a2 2 0 00-2-2H5a2 2 0 00-2 2v10a2 2 0 002 2z\"><\/path>\n                <\/svg>\n            <\/div>\n            Why Your NOA Is More Valuable Than You Think\n        <\/h2>\n\n        <p>Here&#8217;s something most Canadians don&#8217;t realize until they need it: your Notice of Assessment isn&#8217;t just a tax document \u2014 it&#8217;s proof of income that carries serious weight in financial transactions. Banks don&#8217;t take your word for how much you make when you&#8217;re applying for a mortgage. They want to see what the government says you earned, straight from the CRA&#8217;s mouth.<\/p>\n\n        <ul class=\"vftc-list\">\n            <li><strong>Mortgage and loan applications:<\/strong> Lenders require recent NOAs to verify your income and debt-servicing capacity. No NOA? No mortgage approval.<\/li>\n            <li><strong>Rental applications:<\/strong> Landlords increasingly ask for NOAs to confirm you can afford the rent, especially in competitive markets like Toronto or Vancouver.<\/li>\n            <li><strong>Government benefit eligibility:<\/strong> Programs like Canada Child Benefit (CCB), GST\/HST credit, and provincial benefits base calculations on your assessed income from your NOA.<\/li>\n            <li><strong>Immigration applications:<\/strong> Permanent residency and citizenship applications often require NOAs as proof of Canadian income and <a href=\"https:\/\/truenorthbenefits.ca\/taxes\/tax-residency-rules\/\" style=\"color: var(--primary-color); text-decoration: none; font-weight: 600;\">tax residency<\/a>.<\/li>\n            <li><strong>Business financing:<\/strong> If you&#8217;re self-employed and seeking small business loans or lines of credit, your NOAs demonstrate income stability over time.<\/li>\n        <\/ul>\n\n        <p>Fun fact: The CRA conducted a survey asking why some people ignore their NOAs or letters. Top answer? &#8220;To avoid suspected stressful content.&#8221; Look, avoidance won&#8217;t make a balance owing disappear \u2014 it just adds interest charges and potential collection action. Rip that bandaid off and deal with it, eh?<\/p>\n\n        <h2>\n            <div class=\"vftc-icon\">\n                <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-2.5L13.732 4c-.77-.833-1.964-.833-2.732 0L3.732 16.5c-.77.833.192 2.5 1.732 2.5z\"><\/path>\n                <\/svg>\n            <\/div>\n            What to Do If Your NOA Shows Changes You Disagree With\n        <\/h2>\n\n        <p>So the CRA adjusted your return and now you owe money instead of getting the refund you calculated. Before you rage-dial their call centre, take a breath and review the explanation of changes section. Sometimes it&#8217;s a legitimate error on your part (we&#8217;ve all done it), but sometimes the CRA genuinely makes mistakes or doesn&#8217;t have complete information.<\/p>\n\n        <p>You have <strong>90 days from the date on your NOA<\/strong> to file a formal objection if you disagree with the assessment. This isn&#8217;t a suggestion \u2014 it&#8217;s a hard deadline. Miss it, and you&#8217;re stuck with whatever they decided unless you can prove there were exceptional circumstances.<\/p>\n\n        <h3>The Objection Process (It&#8217;s Actually Pretty Straightforward)<\/h3>\n\n        <p>Start by calling the CRA&#8217;s Individual Tax and Enquiries line (the number&#8217;s on your NOA). Sometimes a five-minute conversation clears up the confusion \u2014 maybe they didn&#8217;t receive a slip you submitted, or there was a data-entry error on their end. If the phone call doesn&#8217;t resolve it, move to filing a formal objection using Form T400A.<\/p>\n\n        <p>When you file an objection, you don&#8217;t have to pay the disputed amount until the review is completed. The CRA will either agree with you (partially or fully) and send a Notice of Reassessment, or confirm the original assessment. Processing times vary \u2014 simple cases might resolve in weeks, complex disputes can drag on for months.<\/p>\n\n        <p>Still not satisfied after the objection? You can appeal to the Tax Court of Canada. And if you really want to go the distance, there&#8217;s the Federal Court of Appeal and ultimately the Supreme Court of Canada \u2014 though at that point, we&#8217;re talking serious legal representation and significant stakes.<\/p>\n\n        <div class=\"vftc-cta-box\">\n            <h3>Understanding Tax Brackets and Rates?<\/h3>\n            <p>Your NOA reflects how you landed in specific tax brackets \u2014 here&#8217;s the complete breakdown<\/p>\n            <a href=\"https:\/\/truenorthbenefits.ca\/taxes\/tax-brackets-canada\/\" class=\"vftc-cta-button\">View 2026 Tax Brackets<\/a>\n        <\/div>\n\n        <h2>\n            <div class=\"vftc-icon\">\n                <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M5 8h14M5 8a2 2 0 110-4h14a2 2 0 110 4M5 8v10a2 2 0 002 2h10a2 2 0 002-2V8m-9 4h4\"><\/path>\n                <\/svg>\n            <\/div>\n            How Long Should You Keep Your Notice of Assessment?\n        <\/h2>\n\n        <p>The CRA&#8217;s official recommendation? Keep your NOA and supporting tax documents for at least 6 years. That&#8217;s how long they can go back and review or audit your return under normal circumstances. Tossing it after filing next year&#8217;s return is asking for trouble.<\/p>\n\n        <p>Practically speaking, your NOA is one of those documents worth keeping indefinitely if you have digital storage space. You never know when you&#8217;ll need proof of historical income for immigration purposes, pension calculations, or estate planning. Store PDFs in cloud storage with secure backups, or keep paper copies in a fireproof safe if you&#8217;re going analog.<\/p>\n    <\/div>\n\n    <div class=\"vftc-faq-section\">\n        <h2>Frequently Asked Questions<\/h2>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                What&#8217;s the difference between a Notice of Assessment and Notice of Reassessment?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                A Notice of Assessment (NOA) is the initial document you receive after the CRA processes your tax return. A Notice of Reassessment (NOR) is sent only if changes are made to your already-assessed return \u2014 either because you requested adjustments, the CRA discovered new information, or your objection was reviewed. The NOR is essentially an updated summary reflecting those changes.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                Can I get a mortgage without providing my Notice of Assessment?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                In most cases, no. Canadian lenders require recent NOAs (typically the last two years) to verify your income when assessing mortgage applications. Alternative lenders might offer &#8220;stated income&#8221; mortgages without NOAs, but expect significantly higher interest rates and stricter terms. Your NOA is the gold-standard proof of income in Canada&#8217;s lending industry.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                What if my NOA shows a balance owing but I already paid it?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                This happens when your payment and your NOA crossed in the mail (or digital equivalents). If the NOA was issued before the CRA processed your payment, it won&#8217;t reflect that you&#8217;ve paid. Check CRA My Account to see your current account balance \u2014 it should show zero if your payment was received. If not, contact the CRA to confirm they received and applied your payment correctly.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                How do I access my Notice of Assessment if I filed years ago and lost it?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Log into CRA My Account or use the MyCRA mobile app to view and download NOAs from the current year and previous three years. For older NOAs beyond that window, you&#8217;ll need to call the CRA at 1-800-959-8281 and request paper copies. They can mail them to you, though processing may take several weeks depending on how far back you need to go.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                Does the CRA send a Notice of Assessment to everyone who files taxes?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Yes, every tax filer receives an NOA after the CRA processes their return, regardless of whether you&#8217;re getting a refund, owe money, or break even. The only exception is if your return is selected for a detailed review or audit before assessment \u2014 in those cases, processing takes longer and the NOA comes after the review concludes.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                What is Express NOA and should I use it?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Express Notice of Assessment is a feature in NETFILE and EFILE software that lets you view your NOA immediately after the CRA processes your return, right within the tax software you used to file. It&#8217;s convenient if you need instant confirmation, but it&#8217;s not mandatory \u2014 you&#8217;ll also receive the NOA through your regular delivery method (online mail or postal mail).\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                Can non-residents and newcomers to Canada receive a Notice of Assessment?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Absolutely. Non-residents who file Canadian tax returns and newcomers filing for the first time both receive NOAs after their returns are processed. Processing times may be longer (up to 16 weeks for non-residents), and first-time filers won&#8217;t have a Netfile access code on their NOA yet \u2014 that appears starting with their second year of filing.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                What should I do if I notice an error on my Notice of Assessment?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Act quickly \u2014 you have 90 days from the date on your NOA to file a formal objection. Start by calling the CRA&#8217;s Individual Tax line to discuss the error; sometimes it&#8217;s resolved with a simple phone call. If not satisfied, file a formal objection using Form T400A with supporting documentation. Don&#8217;t ignore errors assuming they&#8217;ll fix themselves \u2014 they won&#8217;t.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                Why is my RRSP contribution room different from what I expected?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                Your RRSP contribution room on your NOA is calculated based on 18% of your previous year&#8217;s earned income, plus any unused room carried forward, minus contributions you&#8217;ve already made. If it&#8217;s lower than expected, check whether you over-contributed in previous years or if your employer made pension adjustments that reduced your room. The calculation can be complex with multiple variables at play.\n            <\/div>\n        <\/div>\n\n        <div class=\"vftc-faq-item\">\n            <div class=\"vftc-faq-question\">\n                Will I still get my refund if I disagree with my Notice of Assessment?\n                <div class=\"vftc-faq-toggle\">\n                    <svg fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\">\n                        <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M19 9l-7 7-7-7\"><\/path>\n                    <\/svg>\n                <\/div>\n            <\/div>\n            <div class=\"vftc-faq-answer\">\n                If your NOA shows a refund, the CRA will issue it regardless of whether you plan to object to other aspects of the assessment. However, if you owe money and file an objection, you don&#8217;t have to pay the disputed amount until the objection is resolved \u2014 though interest may still accrue if you ultimately lose the objection.\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function() {\n    const faqItems = document.querySelectorAll('.vftc-faq-item');\n    \n    faqItems.forEach(item => {\n        item.addEventListener('click', function() {\n            const isActive = this.classList.contains('active');\n            \n            \/\/ Close all items\n            faqItems.forEach(i => i.classList.remove('active'));\n            \n            \/\/ Open clicked item if it wasn't active\n            if (!isActive) {\n                this.classList.add('active');\n            }\n        });\n    });\n});\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Notice of Assessment Canada 2026 Your annual tax report card from the CRA \u2014 what it means, how to get it, and why you need to keep it safe You hit &#8220;submit&#8221; on your tax return weeks ago, and now there&#8217;s an envelope from the Canada Revenue Agency sitting in your mailbox (or an email [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-1285","post","type-post","status-publish","format-standard","hentry","category-info-pages"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"_links":{"self":[{"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/posts\/1285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/comments?post=1285"}],"version-history":[{"count":0,"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/posts\/1285\/revisions"}],"wp:attachment":[{"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/media?parent=1285"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/categories?post=1285"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/truenorthbenefits.ca\/taxes\/wp-json\/wp\/v2\/tags?post=1285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}