关于补助金(GIS)老人金(OAS)退休金(CPP)

[森林之歌]

逝世供款人的CPP何去何从？
配偶或同居伴侣
Survivor's Pension
年幼子女
Benefits for children under 25
以上皆无，就轮到阿公（加拿大政府）拿走了！

Canada's CPP - where is YOUR money?
A man's daughter died this year at the age of 34.
When he inquired about her CPP he was told that because she was not married and had no children,
the money now belonged to the government.
Nobody else was entitled to it.

EMPLOYEE PUT IN A PER-CENT AND THE EMPLOYER DOUBLED THE EMPLOYEES INPUT.
THERE IS NO MONEY IN THE CPP FROM THE GOVERNMENT OF CANADA.

 

[森林之歌]

取出RRSP 如何免税
在零收入，或收入低时取出RRSP
联邦税 Line 300 个人基本免税额 $11,635 + $7225 (65岁)
BC省税 Line 5804 个人基本免税额 $10,208 + $4578 (65岁)
税表上，单人 Line 260 Taxable income 不超过个人基本免税额
那打的税都统统返回口袋
*收入$32,221 以下可以填㝍 Line 59 BC省减税额，$19,749 以下减税 $444

Making RRSP withdrawals before you retire
If you withdraw: Withholding tax rate (except Quebec) Withholding tax rate
Up to $5,000 - 10%
Between $5,000 and $15,000 - 20%
More than $15,000 - 30%
Example – You want to take out $20,000 from your RRSP this year.
After the 30% withholding tax ($6,000) is applied, you only end up with $14,000.

 

[森林之歌]

如何开户 My Service Canada Account 查阅 CPP 退休金
1/ 携驾照和S.I.N.到邻近 Service Canada 办公室
2/ 別去谘询柜台排长队，直接到协助操作电脑的柜台索取 Access Code
3/ 夫妇两人需各取 Access Code ，各自开户
4/ 以下是开户步骤，请按此开户

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户口开启，点击 CPP / OAS 栏
CPP Contributions 查阅供款记录
Estimated Monthly CPP Benefits 查阅65岁退休金金额

 

[Tiger2000]

如果65
岁后有资格领取OAS 了 但每年在加拿大只旅游 休假3
个月 是不是什么也拿不到呀?

 

[森林之歌]

如果65岁后有资格领取OAS 了
但每年在加拿大只旅游 休假3个月 是不是什么也拿不到呀?

OAS 不同于GIS，无需有6个月居住年限，隨時回来隨時发银子
每年只住3个月，这...不知道当局会不会仍处理如下：

居住年数在20年以下，离开前你必须致电告之，你可以领取离开这个月再加六个月的老人金，之后，老人金便会停止发放。
当你返回加拿大时也必须致电告之，由返回加拿大那个月起，重新再发老人金给你。
例如：如果您在1月份离开加拿大，老人金至发送至7月底。七月後，付款将停止，直到你回到加拿大。

Receiving benefits outside Canada
Example: If you left Canada in January, we would send your payments until the end of July. After July, the payments would stop until you return to Canada.
If you plan to be absent from Canada for more than six months, you must call us. You should also let us know when you return to Canada so that we can restart your OAS pension payments, beginning the month you return.

 

[Tiger2000]

GIS和OAS 不是连在一起的吗？

 

[layow]

mark!

 

[森林之歌]

GIS和OAS 不是连在一起的吗？

OAS 以居住年数作为领取资格
GIS 是 OAS 的附属补助，以报税资料评估领取
低收入长者两者兼领，是具备了相关条件，各有所依据

 

[octor]

很多住这里的大陆移民老人，拿着国内的退休金，如果报税的话，gis根本拿不到的，但他们还是能拿到oas+gis，还得意地说，两边都拿着钱，很开心

 

[Tiger2000]

入籍后在中国开一家咨询公司 交一点cpp 就算在加拿大居住年限了

 

[qxk2]

入籍后在中国开一家咨询公司 交一点cpp 就算在加拿大居住年限了

刚才看到了，中国和加拿大刚签了协议，是可以算了。

 

[qxk2]

这样说起来是不是所有中国父母担保移民, 只要超过65岁就可以申请oas, 不需要住够10年了？

 

[森林之歌]

这样说起来是不是所有中国父母担保移民, 只要超过65岁就可以申请oas, 不需要住够10年了？

担保移民不行，详情请参阅2楼

65岁未足10年居住，申请OAS，需具备条件：
*最少符合一年居住要求
*非担保移民以及
*来自与加拿大有社会保障协议的国家

除非，在担保入或死亡或破产或入獄或虐待你罪名成立等等情况下，担保移民方可申请

 

[qxk2]

明白了，谢谢楼主

 

[大温小雯]

刚才看到了，中国和加拿大刚签了协议，是可以算了。

这是什么协议

 

[森林之歌]

这是什么协议

加中社会保障协议
Agreement on Social Security Between the Government of Canada and the
Government of the People's Republic of China

加拿大联邦政府与中国政府有关社会保障金供款的协议，2017年1月1日起生效。
受惠于新协议，所有旅居中国工作的加人，只需继续向加拿大退休金计划（CPP）供款，毋须再为中国的退休金供款。
加人在中国，仅有在工作供款加拿大CPP期间，加人与配偶子女也等同居住加拿大日子，不会失去居住加拿大年数。

(1a)if a person is subject to the Canada Pension Plan or to the comprehensive pension plan of a province of Canada during any period of presence or residence in the People's Republic of China, that period is considered a period of residence in Canada for that person; it is also considered to be a period of residence in Canada for that person's spouse or common-law partner and dependants who reside with that person and who are not subject to the legislation of the People's Republic of China by reason of employment or self-employment

(2a) shall consider that a person is subject to the Canada Pension Plan or to the comprehensive pension plan of a province of Canada during a period of presence or residence in the People's Republic of China only if during that period that person makes contributions pursuant to the plan concerned by reason of employment or self-employment

 

[大温小雯]

谢谢森林，你在政府做这方面的工作么，问个allowance的事情，non taxable的private insurance收入算进去计算么？

 

[森林之歌]

谢谢森林，你在政府做这方面的工作么，问个allowance的事情，non taxable的private insurance收入算进去计算么？

汗！森林仅是退休老工人
无法回答您的问题，抱歉啊！

 

[大温小雯]

汗！森林仅是退休老工人
无法回答您的问题，抱歉啊！

退休老工人这么懂政策，很牛了

 

[森林之歌]

退休老工人这么懂政策，很牛了

借鑑参考老乡亲申领案例，才勉强弄明白一些 ： )