关于补助金(GIS)老人金(OAS)退休金(CPP)

[windcm]

森林的理解是可以
可到以下SSA官网点击 Claims for benefits

Totalization Agreement with Canada | International Programs | SSA

This page provides information on how to avoid dual U.S. and Canadian Social Security taxes, as well as how to apply for benefits under the U.S. social security Agreement with Canada.

www.ssa.gov

有些申请人在加国居住的时间不满十年，但仍可能符合资格领取老人金？
根据条例，老人金申请人定居的国家，如果与加拿大签订社会保险协议（Social Security Agreements），则在该地居住的时间，可计算在内。

请问，18岁之后，拿移民纸之前，在加拿大生活的时间，算领OAS的时间吗？另移民加拿大前在美国上学工作的时间应该不算吧？谢谢！

 

[森林之歌]

请问，18岁之后，拿移民纸之前，在加拿大生活的时间，算领OAS的时间吗？

参见申请表格B5栏
Residence is the period of time when you ordinarily reside and make your home in Canada.
Periods when you were only present in Canada (for example, temporary visits or time spent studying in Canada) are not considered as residence in Canada.

 

[windcm]

参见申请表格B5栏
Residence is the period of time when you ordinarily reside and make your home in Canada.
Periods when you were only present in Canada (for example, temporary visits or time spent studying in Canada) are not considered as residence in Canada.

谢谢，学习不算，不知工作算不算？正巧就卡在十年上，如果都不算，就只好多等一两年

 

[森林之歌]

谢谢，学习不算，不知工作算不算？
正巧就卡在十年上，如果都不算，就只好多等一两年

这下俺还真猜不出标准答案
建议将申请表格带去 Service Canada 查询

 

[wxw101]

申请表只要求填写离开超过6个月的時间
所以每年离开三，四个月不扣居住时间

6个月怎么计算，是连续6个月离开，还是间断累计的。
列如:某人A 1月1日离开，4月30日回到加拿大，住到10月1日再一次离开年底也没有回到加拿大，他一年内离开7个月，可不可以拿到全年的GIS？谢谢。

 

[JIGU]

When your benefit could stop
Your Guaranteed Income Supplement payment can stop for any of the following reasons:

• you did not file a tax return by April 30
• by the end of June, you did not give us the information about your income (or in the case of a couple, your income plus the income of your spouse/common-law partner) for the previous year
• you leave Canada for more than 6 consecutive months
• your income (or in the case of a couple, your income plus the income of your spouse/common-law partner) is higher than what is allowed to receive the benefit
• you are in a federal prison for a sentence of 2 years or longer
• you die (it is important that someone notify us about your death to avoid overpayment

 

[森林之歌]

6个月怎么计算，是连续6个月离开，还是间断累计的。
列如:某人A 1月1日离开，4月30日回到加拿大，
住到10月1日再一次离开年底也没有回到加拿大，
他一年内离开7个月，可不可以拿到全年的GIS？谢谢。

俺的理解：第7个月会暂停，直到他回来联系...

If you leave Canada for more than 6 months
If you do not qualify for receiving Old Age Security outside Canada,
your payments will stop if you are out of the country for more than 6 months after the month you left.
You cannot collect the Guaranteed Income Supplement if you are outside of Canada for more than 6 months.

If you plan to be absent from Canada for more than 6 months, you must contact us to avoid an overpayment.

Service Canada compares information with the Canada Border Services Agency. If you leave Canada for more than 6 months while collecting Old Age Security, we’ll determine if you’re eligible to those payments. If not, we’ll calculate how much we have overpaid you, and you will then have to repay that amount.

Note: You could be fined for giving false, misleading, or purposely omitted information.

 

[家园小千]

6个月怎么计算，是连续6个月离开，还是间断累计的。
列如:某人A 1月1日离开，4月30日回到加拿大，住到10月1日再一次离开年底也没有回到加拿大，他一年内离开7个月，可不可以拿到全年的GIS？谢谢。

不可以，GIS的居住时间是按天来算的，离开7个月就失去GIS资格，当然有人不吱声，政府不查没事，查到了会发信要求提供出入境记录，那么已经发的GIS会收回。

 

[森林之歌]

When your benefit could stop
Your Guaranteed Income Supplement payment can stop for any of the following reasons:
you did not file a tax return by April 30
by the end of June, you did not give us the information about your income (or in the case of a couple, your income plus the income of your spouse/common-law partner) for the previous year
you leave Canada for more than 6 consecutive months
your income (or in the case of a couple, your income plus the income of your spouse/common-law partner) is higher than what is allowed to receive the benefit
you are in a federal prison for a sentence of 2 years or longer
you die (it is important that someone notify us about your death to avoid overpayment

谢谢 JIGU

 

[家园小千]

俺的理解：第7个月会暂停，直到他回来联系...

If you leave Canada for more than 6 months
If you do not qualify for receiving Old Age Security outside Canada,
your payments will stop if you are out of the country for more than 6 months after the month you left.
You cannot collect the Guaranteed Income Supplement if you are outside of Canada for more than 6 months.

If you plan to be absent from Canada for more than 6 months, you must contact us to avoid an overpayment.

Service Canada compares information with the Canada Border Services Agency. If you leave Canada for more than 6 months while collecting Old Age Security, we’ll determine if you’re eligible to those payments. If not, we’ll calculate how much we have overpaid you, and you will then have to repay that amount.

Note: You could be fined for giving false, misleading, or purposely omitted information.

我的亲人有体会，如果GIS一开始是发的，但最终一年里住不满半年，那么这一年前期已经发的GIS要收回，但不会要求一次性付款，这点比较人性，会在你以后可以拿的养老金里逐步扣款，直到还完为止。

 

[森林之歌]

不可以，GIS的居住时间是按天来算的，离开7个月就失去GIS资格，
当然有人不吱声，政府不查没事，查到了会发信要求提供出入境记录，
那么已经发的GIS会收回。

Service Canada compares information with the Canada Border Services Agency.
看来有加拿大边境服务局盯着

 

[家园小千]

Service Canada compares information with the Canada Border Services Agency.
看来有加拿大边境服务局盯着

我亲人去过Service Canada，需要自己去CBSA开具出入境记录

 

[森林之歌]

我的亲人有体会，如果GIS一开始是发的，
但最终一年里住不满半年，那么这一年前期已经发的GIS要收回，
但不会要求一次性付款，这点比较人性，
会在你以后可以拿的养老金里逐步扣款，直到还完为止。

谢谢小千提供实例，清楚明了！

 

[森林之歌]

我亲人去过Service Canada，需要自己去CBSA开具出入境记录

咦？Service Canada 一开始又如何知道某人离开超过6个月了？

 

[家园小千]

咦？Service Canada 一开始又如何知道某人离开超过6个月了？

其实是我家老人自己在安省就填表要回国居住，手续已经办完了，结果又在BC住了一段时间，所以他们要求提供详细的信息，但也听说过有抽查的，如果偶尔一年不在加拿大超过不长时间并不要紧，次数多了就被查处可能性大了

 

[森林之歌]

太客气了，我要抓紧学习，离due date已经不远。?
GIS跟银行存款有关吗？我一直以为没关系呢，放在TFSA里也不行吗？

银行存款利息收入得报税，会直接影响GIS
放在TFSA的利息免税，不会影响申请GIS

25年前，俺工友高堂被当局随机抽查银行存款过多，而暂停发放GIS
@家园小千 看这种事还会不会发生？

 

[家园小千]

25年前，俺工友高堂被当局随机抽查银行存款过多，而暂停发放GIS
@家园小千 看这种事还会不会发生？

会的，而且居住时间是否满足要求一直有传闻，我家人他们的朋友都是拿老年金的，所以经常有消息，比如有些人国内的退休金不申报，现在CRA也在抽查里，中加税务信息通了查起来就更方便了，宁可信其有。

 

[森林之歌]

会的，而且居住时间是否满足要求一直有传闻，
我家人他们的朋友都是拿老年金的，所以经常有消息，
比如有些人国内的退休金不申报，现在CRA也在抽查里，
中加税务信息通了查起来就更方便了，宁可信其有。

宁可信其有 ?
@windcm

 

[windcm]

纯属猜测：65岁无业游民OAS+GIS，和工龄25年，4万年薪左右打工族CPP+OAS打平
打工族若有公司退休金，情况就不一样了！

还在爬高楼，不敢老来打扰森林楼主。

忍不住加一句：无业游民最后老了跟工作了25年的打平了，可前面25年怎么过的呢？富二代不提了，游民关键是要熬到退休，25年不工作怎么熬？感觉政府才是高人。

 

[windcm]

25年前，俺工友高堂被当局随机抽查银行存款过多，而暂停发放GIS
@家园小千 看这种事还会不会发生？

完全有可能，前面说美国就限制存款2000，加拿大不会学吗?尤其在老人金不够发的时候。
不过多少算过多？我希望这点不要学美国，两千实在太少了，抗不过一个月