def testGISBenefitReallyPositiveIncome(self):
"""Regular and supplemental GIS benefit should both be 0"""
income = incomes.GIS()
income.last_year_income_base = 20000
year_rec = self.setUpYearRecForGIS(has_oas=True, income_base=20000)
amount, _, _ = income.GiveMeMoney(year_rec)
self.assertEqual(amount, 0)
def testGISBenefitIncomeBelowSupplementExemption(self):
"""Income base is below supplement exemption but above clawback exemption"""
income = incomes.GIS()
income.last_year_income_base = 1000
year_rec = self.setUpYearRecForGIS(has_oas=True, income_base=1000)
amount, _, _ = income.GiveMeMoney(year_rec)
self.assertAlmostEqual(amount, 9431.64)
def testGISBenefitPositiveIncomeNoSupplement(self):
"""Getting regular GIS benefit but supplemental GIS benefit should be 0"""
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = self.setUpYearRecForGIS(has_oas=True, income_base=10000)
amount, _, _ = income.GiveMeMoney(year_rec)
self.assertAlmostEqual(amount, 4021.37)
def testGISBenefitPositiveIncome(self):
"""Income base is above both clawback and supplement exemption"""
income = incomes.GIS()
income.last_year_income_base = 5000
year_rec = self.setUpYearRecForGIS(has_oas=True, income_base=5000)
amount, _, _ = income.GiveMeMoney(year_rec)
self.assertAlmostEqual(amount, 7289.46)
def testGISBenefitPositiveIncomeWithInflation(self):
"""Income base is above both clawback and supplement exemption (with inflation)"""
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = self.setUpYearRecForGIS(has_oas=True,
income_base=10000,
cpi=2)
amount, _, _ = income.GiveMeMoney(year_rec)
self.assertAlmostEqual(amount, 14572.92)
def __init__(self,
strategy,
gender=FEMALE,
basic_only=False,
real_values=True):
self.year = world.BASE_YEAR
self.age = world.START_AGE
self.gender = gender
self.strategy = strategy
self.cpi = 1 # Ignoring factor of 100 and StatsCan rounding rules here.
self.cpi_history = []
self.basic_only = basic_only
self.real_values = real_values
self.employed_last_year = True
self.retired = False
# CAUTION: GIS must be the last income in the list.
self.incomes = [
incomes.Earnings(),
incomes.EI(),
incomes.CPP(),
incomes.OAS(),
incomes.GIS()
]
self.funds = {
"wp_tfsa": funds.TFSA(),
"wp_rrsp": funds.RRSP(),
"wp_nonreg": funds.NonRegistered()
}
self.involuntary_retirement_random = random.random()
self.tfsa_room = world.TFSA_INITIAL_CONTRIBUTION_LIMIT
self.rrsp_room = world.RRSP_INITIAL_LIMIT
self.capital_loss_carry_forward = 0
self.accumulators = utils.AccumulatorBundle()
self.has_been_ruined = False
self.has_received_gis = False
self.has_experienced_income_under_lico = False
# The following hold real dollar amounts
self.assets_at_retirement = 0
self.total_retirement_withdrawals = 0
self.total_lifetime_withdrawals = 0
self.total_working_savings = 0
self.positive_earnings_years = 0
self.positive_savings_years = 0
self.ei_years = 0
self.gis_years = 0
self.gross_income_below_lico_years = 0
self.no_assets_years = 0
self.period_years = {
EMPLOYED: 0,
UNEMPLOYED: 0,
RETIRED: 0,
INVOLUNTARILY_RETIRED: 0
}
def testGISBenefitPositiveIncomeNoOAS(self):
income = incomes.GIS()
income.last_year_income_base = 1000
year_rec = self.setUpYearRecForGIS(has_oas=False, income_base=1000)
amount, taxable, year_rec = income.GiveMeMoney(year_rec)
self.assertEqual(amount, 0)
self.assertFalse(taxable)
self.assertIn(incomes.IncomeReceipt(0, incomes.INCOME_TYPE_GIS),
year_rec.incomes)
def testGISCalcIncomeBaseIncomesAndPayrollDeductions(self):
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = utils.YearRecord()
year_rec.incomes = [
incomes.IncomeReceipt(5000, incomes.INCOME_TYPE_EARNINGS)
]
year_rec.ei_premium = 2000
year_rec.cpp_contribution = 2000
self.assertEqual(income._CalcIncomeBase(year_rec), 1000)
def testGISCalcIncomeBaseCapitalGains(self):
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = utils.YearRecord()
year_rec.withdrawals = [
funds.WithdrawReceipt(2000, 1000, funds.FUND_TYPE_NONREG)
]
year_rec.tax_receipts = [funds.TaxReceipt(500, funds.FUND_TYPE_NONREG)]
year_rec.ei_premium = 0
year_rec.cpp_contribution = 0
self.assertEqual(income._CalcIncomeBase(year_rec), 750)
def testGISCalcIncomeBaseRRSPWithdrawals(self):
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = utils.YearRecord()
year_rec.withdrawals = [
funds.WithdrawReceipt(2000, 0, funds.FUND_TYPE_RRSP),
funds.WithdrawReceipt(3000, 0, funds.FUND_TYPE_BRIDGING)
]
year_rec.ei_premium = 0
year_rec.cpp_contribution = 0
self.assertEqual(income._CalcIncomeBase(year_rec), 5000)
def testGISCalcIncomeBaseUsesLesserIncome(self):
income = incomes.GIS()
income.last_year_income_base = 5000
year_rec = utils.YearRecord()
year_rec.incomes = [
incomes.IncomeReceipt(8000, incomes.INCOME_TYPE_EARNINGS)
]
year_rec.ei_premium = 0
year_rec.cpp_contribution = 0
self.assertEqual(income._CalcIncomeBase(year_rec), 5000)
self.assertEqual(income.last_year_income_base, 8000)
def testGISCalcIncomeBaseIncomes(self):
income = incomes.GIS()
income.last_year_income_base = 10000
year_rec = utils.YearRecord()
year_rec.incomes = [
incomes.IncomeReceipt(1000, incomes.INCOME_TYPE_EARNINGS),
incomes.IncomeReceipt(2000, incomes.INCOME_TYPE_CPP),
incomes.IncomeReceipt(3000, incomes.INCOME_TYPE_EI),
incomes.IncomeReceipt(4000, incomes.INCOME_TYPE_OAS)
]
year_rec.ei_premium = 0
year_rec.cpp_contribution = 0
self.assertEqual(income._CalcIncomeBase(year_rec), 6000)
