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I'm very interested in taking 2-4 years to do an MSc or PhD. How does this work? I know some schools have their own programs for this.

Could I do a grad degree outside of my home institution, or outside of Canada, even? Does the program have a say in what I do the degree in? And, do you maintain your residency funding (and get the yearly increases) during this time?

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I think you might have trouble finding a program that would let you do an outside graduate degree during residency, usually they need to have the program built in to have the infrastructure to accommodate it. A program might let you take a LOA for a year to do a masters or something but unlikely to get paid as a resident during (you might get a graduate stipend instead). I would be shocked if a program let you take enough time off for residency to do a phd.

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