ADULT GAP YEAR SERIES: Quit Work for a Year Without Quitting (The Deferred Salary Plan)

Michelle spoke with John Cuddie, a retired HR professional with deep experience in school boards, about deferred salary leave plans — a structured way to save for a year off work. John shared how he used the program twice, what he did during his leaves, and why intentional pauses can be personally and professionally valuable. About John Spent 30+ years in HR with three school boards Later worked as an employment advisor helping new immigrants and youth Approves deferred salary leave plans as part of his HR background Took two deferred salary leaves himself What Is a Deferred Salary Leave? A leave of absence funded by saving part of your salary in advance Common structure: “four over five” Work 4 years at 80% pay 20% goes into a trust account Take the 5th year off using those savings Often includes pension/benefit considerations and a contractual return-to-work agreement What John Did on His Leaves First Leave Home projects: painting, purging, tidying Family travel to India and Dubai Trips with kids to Broadway/New York and a ski holiday Second Leave More household and personal tasks Significant time supporting a close friend going through cancer treatment Some travel as well Main Takeaways A year off can be invigorating It can also be humbling — work continues without you Time away helps people see they are not their job It creates balance and makes room for other forms of contribution What Holds People Back Financial concerns about living on reduced salary Uncertainty about what the future may hold over a 4–5 year planning period Family changes, life changes, and possible cancellation of plans Planning Considerations Budget carefully Think through staffing and who will cover your role Consider family and partner dynamics Balance practical tasks with rest, fun, travel, and connection Use the time to invest in what matters most Practical Advice/Next Steps for you Start by talking to your employer or boss Ask your payroll department about the details Review CRA guidance on tax implications Be ready to discuss staffing and return-to-work planning Connect With The Canadian Gap Year Association   Find more resources at the Can Gap website https://www.cangap.ca/ Follow on Instagram http://www.instagram.com/cangapassociation/ Follow on Facebook https://www.facebook.com/ucangap Follow on Twitter https://twitter.com/ucangap Follow on YouTube https://www.youtube.com/channel/UCuBit8gLXEOxaBggoGmykjQ