加国退休金(Canada Pension Plan,CPP)60岁至70岁领取
老年保障金(Old Age Security,OAS)俗称老人金,65岁领取
入息补助金(Guaranteed Income Supplement,GIS)与老人金同领
2024年1月 65-74岁 (OAS+GIS) + BC Senior’s Supplement
0收入单人$1778.81+$99.30=$1,878.11 (居住未满40年,皆由Extra GIS补足$1778.81)
0收入双人$2709.38+220.50=$2,929.88 (居住未满40年,皆由Extra GIS补足$2,709.38)
2024年1月 75岁以上 (OAS+GIS) + BC Senior’s Supplement
0收入单人$1850.14+$99.30=$1,949.44 (居住未满40年,皆由Extra GIS补足$1850.14)
0收入双人$2852.04+220.50=$3,072.54 (居住未满40年,皆由Extra GIS补足$2,852.04)
https://www2.gov.bc.ca/gov/content/...ce-rate-tables/senior-s-supplement-rate-table
OAS与GIS计算神器
操作简易,非常实用
全年收入不包括OAS和GIS
Yearly Income (excluding OAS Pension and GIS)
Combined Yearly Income of couple (excluding OAS Pension and GIS)
Table 1 : 单身OAS领取GIS金额
Amounts for single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,年收入零的情况下
单身全额OAS $714.34 + GIS $1065.47 = $1778.81 (请按此计算表键接)
不包含OAS与GIS,年收入超过$21,624,则不符合资格领取GIS
Table 2 : 配偶双方OAS领取GIS金额
Amounts for married or common-law partners, both receiving a full Old Age Security pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入零的情况下
毎人全额OAS + GIS : $1354.69 X 2 = $2709.38 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$28,560,则不符合资格领取GIS
Table 3 : 配偶单方OAS领取GIS金额
Amounts for individuals receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入为零的情况下:
全额OAS $714.34 + GIS $1065.47 = $1778.81 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$51,840,则不符合资格领取GIS
Table 4 :60岁至64岁配偶津贴
Amounts for individuals receiving a full Old Age Security pension and their spouse or common-law partner aged 60 to 64
配偶一方领OAS,另一方配偶60岁至64岁,可申请津贴
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入为零的情况下:
全额OAS $713.34 + GIS 641.35 + Allowance 1354.69 = $2709.38 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$39,984,则不符合资格领取GIS 配偶津贴
Table 5 :60岁至64岁未再婚鳏寡津贴
Amounts for surviving spouses or common-law partners aged 60 to 64 who have not re married or entered into a common-law partnership
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,年收入为零的情况下
60岁至64岁未再婚鳏寡津贴$1614.89 (请按此计算表键接)
不包含OAS与GIS,年收入超过$29,112,则不符合资格领取鳏寡配偶津贴
![1551967417661.jpg 1551967417661.jpg](https://forum.iask.ca/data/attachments/473/473581-3cd05c6407d6ca47f87867c80c5992e1.jpg)
少量收入如何拿到部分额外的 Extra GIS?
HOW RECEIVING A PARTIAL OAS PENSION AFFECTS GIS AMOUNTS
针对低收入+OAS不足人士,Extra GIS 隐含在下表 Combined Monthly OAS Pension and GIS
以达到最低保障金额
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab1-1.html
为什么低收入要在60岁领CPP?
Why should a low-income person take early CPP Retirement?
1/ 您可能会在65岁时获得补助金(GIS),对於除了老人金(OAS)以外,没有或仅有少许收入的老年人,会很有帮助。
2/ 届时每10元CPP收入,会减少5元补助金(GIS)。而60岁开始领的CPP金额少,日后的GIS扣除也少。
为什么低收入要在63岁前清空RRSP?
Why would an RRSP hurt me later?
因为64岁那年的收入,会影响65岁的GIS补助
以后,更加不用服食’我怎么会知道’牌子的后悔药了!
担保移民在担保10年或20年期间不能申请GIS补助金
担保入或死亡或破产或入狱或虐待你罪名成立等等情况下例外
The Old Age Security program toolkit
The Guaranteed Income Supplement and Social Security Agreements
Note: If you entered Canada as a sponsored immigrant, you cannot receive the supplement while you are still being sponsored. Exceptions may be made under specific circumstances (such as if your sponsor dies, is imprisoned for a period of more than six months, is convicted of a criminal offence, or declares personal bankruptcy).
2018起始 65岁即自动享GIS补助 长者无需申请
在新制度下,住满40年以上长者自动列入老人保障金(Old Age Security Benefits 简称OAS)申请名单,
也会自动列入保证入息补助金名单内(Guaranteed Income Supplement 简称GIS)申请名单。
政府查看他们的报税资料,评估有没有资格领取入息补助金。
未住满40年,则64岁生日后第一个月获通知填表申请老人金
中国退休金如何报税
退休金在中国不用交税,所以只能填 Line115 , 不能填 Line256 扣税额
应该报养老金收入在Line 115,同时可以享受最多$2000*15%的Tax Credit 在Line 314
领取GIS人士每年必须住在加拿大不少过六个月
If you leave Canada for more than 6 months
You cannot collect the Guaranteed Income Supplement if you are outside of Canada for more than 6 months.
Application for the Guaranteed Income Supplement
HOW RECEIVING A PARTIAL OAS PENSION AFFECTS GIS AMOUNTS
加拿大政府出狠招!华人移民被迫放弃每年¥10万的老人金
领中国退休金要报税 汇率以收款当日计算
加拿大政府狙击“中式移民” 严查老人金补助金违规
你打算在加拿大、中国两地都拿养老金吗?
GIS 与银行存款有关吗?
GIS 和房产存款有关吗?
取出RRSP $2000 砸了GIS $1000
取出RRSP 如何免税
关于OAS老人金
关于CPP退休金
卑诗长者指南
老人院(Senior Living/Retirement Home)
低收入退休规划 Doug Runchey 前资深福利官员
RETIRING ON A LOW INCOME
71岁那年必须把RRSP转成 RRIF
关于 BC Senior's Supplement
如何处理原雇主退休金?
加拿大的退休金够不够生存 讨论帖
关于RRIF 与 Line 31400 Pension Income Tax Credit $2000
2023年 老人低保
收到Service Canada 让我开CPP账户的通知 Dave
也来谈谈RRSP的好处 & 养老计划 阿吾
![1551966640797.jpg 1551966640797.jpg](https://forum.iask.ca/data/attachments/473/473578-0817365cd236e0b7056424293a8662f6.jpg)
老年保障金(Old Age Security,OAS)俗称老人金,65岁领取
入息补助金(Guaranteed Income Supplement,GIS)与老人金同领
2024年1月 65-74岁 (OAS+GIS) + BC Senior’s Supplement
0收入单人$1778.81+$99.30=$1,878.11 (居住未满40年,皆由Extra GIS补足$1778.81)
0收入双人$2709.38+220.50=$2,929.88 (居住未满40年,皆由Extra GIS补足$2,709.38)
2024年1月 75岁以上 (OAS+GIS) + BC Senior’s Supplement
0收入单人$1850.14+$99.30=$1,949.44 (居住未满40年,皆由Extra GIS补足$1850.14)
0收入双人$2852.04+220.50=$3,072.54 (居住未满40年,皆由Extra GIS补足$2,852.04)
https://www2.gov.bc.ca/gov/content/...ce-rate-tables/senior-s-supplement-rate-table
OAS与GIS计算神器 ![Thumbs up :thumbsup: 👍](https://cdn.jsdelivr.net/joypixels/assets/6.0/png/unicode/64/1f44d.png)
![Thumbs up :thumbsup: 👍](https://cdn.jsdelivr.net/joypixels/assets/6.0/png/unicode/64/1f44d.png)
操作简易,非常实用入息补助金(Guaranteed Income Supplement,GIS)
关于老人金OAS与补助金GIS的计算全年收入不包括OAS和GIS
Yearly Income (excluding OAS Pension and GIS)
Combined Yearly Income of couple (excluding OAS Pension and GIS)
Table 1 : 单身OAS领取GIS金额
Amounts for single, surviving spouse/common-law partner or divorced pensioners receiving a full Old Age Security pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,年收入零的情况下
单身全额OAS $714.34 + GIS $1065.47 = $1778.81 (请按此计算表键接)
不包含OAS与GIS,年收入超过$21,624,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为$179,GIS 则额外增加$534.34,补足全额OAS至$714.34
Table 2 : 配偶双方OAS领取GIS金额
Amounts for married or common-law partners, both receiving a full Old Age Security pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入零的情况下
毎人全额OAS + GIS : $1354.69 X 2 = $2709.38 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$28,560,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为$179,GIS 则额外增加$534.34,补足全额OAS至$714.34
Table 3 : 配偶单方OAS领取GIS金额
Amounts for individuals receiving a full Old Age Security pension whose spouse or common-law partner does not receive an OAS pension
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入为零的情况下:
全额OAS $714.34 + GIS $1065.47 = $1778.81 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$51,840,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为$179,GIS 则额外增加$534.34,补足全额OAS至$714.34
Table 4 :60岁至64岁配偶津贴
Amounts for individuals receiving a full Old Age Security pension and their spouse or common-law partner aged 60 to 64
配偶一方领OAS,另一方配偶60岁至64岁,可申请津贴
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,合併年收入为零的情况下:
全额OAS $713.34 + GIS 641.35 + Allowance 1354.69 = $2709.38 (请按此计算表键接)
不包含OAS与GIS,合併年收入超过$39,984,则不符合资格领取GIS 配偶津贴
65岁或以上,若仅居满10年,OAS金额为$179,GIS 则额外增加$534.34,补足全额OAS至$714.34
Table 5 :60岁至64岁未再婚鳏寡津贴
Amounts for surviving spouses or common-law partners aged 60 to 64 who have not re married or entered into a common-law partnership
Yearly Income (excluding OAS Pension and GIS) 不包含OAS与GIS,年收入为零的情况下
60岁至64岁未再婚鳏寡津贴$1614.89 (请按此计算表键接)
不包含OAS与GIS,年收入超过$29,112,则不符合资格领取鳏寡配偶津贴
![1551967417661.jpg 1551967417661.jpg](https://forum.iask.ca/data/attachments/473/473581-3cd05c6407d6ca47f87867c80c5992e1.jpg)
少量收入如何拿到部分额外的 Extra GIS?
HOW RECEIVING A PARTIAL OAS PENSION AFFECTS GIS AMOUNTS
针对低收入+OAS不足人士,Extra GIS 隐含在下表 Combined Monthly OAS Pension and GIS
以达到最低保障金额
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab1-1.html
为什么低收入要在60岁领CPP?
Why should a low-income person take early CPP Retirement?
1/ 您可能会在65岁时获得补助金(GIS),对於除了老人金(OAS)以外,没有或仅有少许收入的老年人,会很有帮助。
2/ 届时每10元CPP收入,会减少5元补助金(GIS)。而60岁开始领的CPP金额少,日后的GIS扣除也少。
为什么低收入要在63岁前清空RRSP?
Why would an RRSP hurt me later?
因为64岁那年的收入,会影响65岁的GIS补助
以后,更加不用服食’我怎么会知道’牌子的后悔药了!
担保移民在担保10年或20年期间不能申请GIS补助金
担保入或死亡或破产或入狱或虐待你罪名成立等等情况下例外
The Old Age Security program toolkit
The Guaranteed Income Supplement and Social Security Agreements
Note: If you entered Canada as a sponsored immigrant, you cannot receive the supplement while you are still being sponsored. Exceptions may be made under specific circumstances (such as if your sponsor dies, is imprisoned for a period of more than six months, is convicted of a criminal offence, or declares personal bankruptcy).
2018起始 65岁即自动享GIS补助 长者无需申请
在新制度下,住满40年以上长者自动列入老人保障金(Old Age Security Benefits 简称OAS)申请名单,
也会自动列入保证入息补助金名单内(Guaranteed Income Supplement 简称GIS)申请名单。
政府查看他们的报税资料,评估有没有资格领取入息补助金。
未住满40年,则64岁生日后第一个月获通知填表申请老人金
中国退休金如何报税
退休金在中国不用交税,所以只能填 Line115 , 不能填 Line256 扣税额
应该报养老金收入在Line 115,同时可以享受最多$2000*15%的Tax Credit 在Line 314
领取GIS人士每年必须住在加拿大不少过六个月
If you leave Canada for more than 6 months
You cannot collect the Guaranteed Income Supplement if you are outside of Canada for more than 6 months.
Application for the Guaranteed Income Supplement
HOW RECEIVING A PARTIAL OAS PENSION AFFECTS GIS AMOUNTS
加拿大政府出狠招!华人移民被迫放弃每年¥10万的老人金
领中国退休金要报税 汇率以收款当日计算
加拿大政府狙击“中式移民” 严查老人金补助金违规
你打算在加拿大、中国两地都拿养老金吗?
GIS 与银行存款有关吗?
GIS 和房产存款有关吗?
取出RRSP $2000 砸了GIS $1000
取出RRSP 如何免税
关于OAS老人金
关于CPP退休金
卑诗长者指南
老人院(Senior Living/Retirement Home)
低收入退休规划 Doug Runchey 前资深福利官员
RETIRING ON A LOW INCOME
71岁那年必须把RRSP转成 RRIF
关于 BC Senior's Supplement
如何处理原雇主退休金?
加拿大的退休金够不够生存 讨论帖
关于RRIF 与 Line 31400 Pension Income Tax Credit $2000
2023年 老人低保
收到Service Canada 让我开CPP账户的通知 Dave
也来谈谈RRSP的好处 & 养老计划 阿吾
什么时候申请CPP是最合适时间?
有关清空RRSP(RRIF) 和领取社保金(GIS)的探讨
Canada income tax calculator
![1551966640797.jpg 1551966640797.jpg](https://forum.iask.ca/data/attachments/473/473578-0817365cd236e0b7056424293a8662f6.jpg)
最后编辑: 2024-01-03