关于补助金(GIS)老人金(OAS)退休金(CPP)

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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

入息补助金(Guaranteed Income Supplement,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
不包含OAS,年收入零的情况下
单身全额OAS 615 + GIS 919 = 1534 (请按以下计算表键接)
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab1-1.html
不包含OAS,年收入超过$18,648,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为153
单身零收入,GIS最高金额919额外增加462
OAS 153 + GIS 919 + EXTRA GIS 462 = 1534

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
不包含OAS,合併年收入零的情况下
毎人全额OAS + GIS : 1168 X 2 = 2336 (请按以下计算表键接)
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab2-1.html
不包含OAS,合併年收入超过$24,624,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为153
配偶双方零收入,GIS最高金额553额外增加462
OAS 153 + GIS 553 + EXTRA GIS 462 = 1168 X 2 = 2336

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
不包含OAS,合併年收入为零的情况下:
全额OAS 615 + GIS 919 = 1534 (请按以下计算表键接)
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab3-1.html
不包含OAS,合併年收入超过$44,688,则不符合资格领取GIS
65岁或以上,若仅居满10年,OAS金额为153
配偶双方零收入,GIS最高金额919额外增加462
OAS 153 + GIS 919 + EXTRA GIS 462 = 1534

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
不包含OAS,合併年收入为零的情况下:
全额OAS 615 + GIS 553 + Allowance 1168 = 2336
(请按以下计算表键接)
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab4-1.html
不包含OAS,合併年收入超过$34,512,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153
配偶双方零收入,GIS最高金额553额外增加462
OAS 153 + GIS 553 + EXTRA GIS 462 = 1168 X 2 = 2336

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
不包含OAS,年收入为零的情况下
60岁至64岁未再婚鳏寡津贴1393 (请按以下计算表键接)
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab5-1.html
不包含OAS,年收入超过$25,152,则不符合资格领取鳏寡配偶津贴
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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64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


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

Canada income tax calculator

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OAS的迷思
老年保障金(Old Age Security,OAS)俗称老人金,老年金,养老金
65岁领取,担保移民住满十年方可申请
非担保移民,来自与加拿大有社会保障协议的国家,居住一年以上,年届65岁可能领取

OAS领取多少和收入无关?
OAS领取多少和个人收入有关
个人年收入超过$79,845开始递减
个人年收入超过$129,075,OAS归零

退休后多数人OAS能拿满?
OAS以居住年数计算金额,要居住40年才能拿满$615

65岁居满10年的OAS金额为$153
一旦领取,往后不会因为居住年数的增加而提高金额
Note: Once your partial OAS pension has been approved,
it will not increase with additional years living in Canada.

65岁居满10年的OAS金额为$153
零收入人士,GIS最高金额会额外增加$462

除了本地人和老移民,新移民大多数是拿不足OAS
除非申请人以前或现在定居的国家,与加拿大签订社会保障协议(Social Security Agreements),
则在该地居住的时间,可能计算在内。

美加社会保障协议(Social Security Agreements)官方网站:
https://www.ssa.gov/international/Agreement_Pamphlets/canada.html#claims


加拿大签订社会保障协议国家
Canada’s social agreements with other countries

Old Age Security – Eligibility

you may still qualify for an OAS pension, a pension from another country or from both countries
if you have:
*lived in one of the countries with which Canada has established a social security agreement; or
*contributed to the social security system of one of the countries with which Canada has established a social security agreement.

65岁未足10年居住,申请OAS与GIS,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

来自与加拿大有社会保障协议的国家的担保移民
在担保入或死亡或破产或入狱超过六个月或虐待你罪名成立等等情况下,也可申请

金额逐年增加,直至满10年为止
以下是零收入所领取的最高金额(2017年)
https://openpolicyontario.s3.amazon...ng-OAS-and-GIS-booklet_april-2018-ENG_web.pdf
539148

539149

539150

担保期间可否申请OAS与GIS
OAS可以,GIS不可以
担保人或死亡或破产或入狱超过六个月或虐待你罪名成立等等情况下例外

Sponsored parents can get Old Age Security
When you signed the 10-year sponsorship undertaking you agreed that your parents would not benefit from social assistance in Canada during the sponsorship period. But Old Age Security is not a form of social assistance. So if your parents are otherwise eligible for Old Age Security, they can apply.
They would be eligible for a much larger payment from the
Guaranteed Income Supplement, but that is considered to be a form of social assistance, so they can't apply for that until the sponsorship undertaking has elapsed.

境外领取OAS老人金与旅游
Receiving benefits outside Canada
在以下情况,不论你离开加拿大多久,也可在加拿大以外的地方继续领取老人金:
1. 你年满18岁后在加拿大已居住了20年或
2. 你曾在与加拿大签有社会保障协议的国家居住及工作并符合20年的居住期。
如你不符合以上条件,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。


如何申请老人金OAS
住满40年以上,老人金OAS与补助金GIS会自动登记
64岁生日后的第一个月内会收到登记OAS通知书
如果没有收到,须到邻近 Service Canada 查询或下载申请表填写寄发
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

Automatic enrolment for Old Age Security pension
If you can be automatically enrolled, Service Canada will send you a notification letter the month after you turn 64.
If you did not receive a letter from Service Canada informing you that you were selected for automatic enrolment,
you must apply in writing for the OAS pension.
Complete and mail the Application for the Old Age Security Pension & GIS form to the address listed in Returning the form.

Application for the Old Age Security Pension
移民申请老人年金遭刁难
OAS 申请被拒
提防假冒加拿大政府官方网站
学签工签计算作居留時间
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关于 CPP
加国退休金(Canada Pension Plan,CPP)60岁至70岁申领
领取CPP金额取决于:
1/曾供款多少及多久
2/领取退休金时的年龄

还工作就不准拿 CPP 吧?
Working while collecting a pension
可以边拿CPP边工作~
60-65 工作仍得继续供CPP contributions
65-70 工作可以选择继续供或停止供CPP contributions

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。

加拿大人在中国工作
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。
有关协议容许在中国经营的加拿大企业,以及暂时被派驻中国的加籍雇员
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

加拿大签订社会保障协议国家
Canada’s social agreements with other countries


如何申请退休金 CPP
To apply for your Canada Pension Plan (CPP) retirement pension online
you must sign in to your My Service Canada Account and submit your application online.
If you have not yet registered for a My Service Canada Account, you will require a Personal Access Code.

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,就轮到政府拿走了!

Application for a Canada Pension Plan Retirement Pension
CPP简介:供款与福利
CPP简介:如何申领加拿大退休金 以及领取金额和条件限制
CPP简介:Canada Pension Plan 面临的问题和分析
鳏寡申领配偶退休金 新规定撤年龄限制

60 CPP VS 65 CPP,14年后退休金额打平手
单身60 CPP VS 65 CPP,40年后退休金额打平手
如何开户查阅 CPP 退休金金额

退休金的身故津贴
60岁至64岁间CPP退休金简易计算机


539151

Table 1 : 单身OAS领取GIS金额
https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments/tab1-1.html

单身人士平均 CPP + OAS + GIS
60岁领平均CPP 410 + 586 + 611 = 1607 ( 65岁领 GIS)
65岁领平均CPP 641 + 586 + 438 = 1665
70岁领平均CPP 911 + 586 + 262 = 1759

60岁提早拿CPP,5年后一旦有GIS补助
与65岁拿CPP的收入差距缩小了!
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年轻的时候需要保存什么证据以证明自己在加拿大住满多少年吗?
政府部门有多年CPP供款档案记录,也是佐证
常出国超过6个月的护照要保留

What documents will I need to provide?
If you were not born in Canada, you must prove your legal status in Canada with your citizenship or immigration documents. If you have not lived continuously in Canada after turning age 18, you must submit proof of all the dates you arrived in or left Canada for periods of over six months. You can do this by providing your passports, visas, airline, ship, and bus tickets, and other documents that prove your residence history in Canada.

When official documents are not available, you may submit other documents such as school and census records, letters from employers, and contracts (mortgage, lease, etc.). Contact us for more examples of acceptable proof.

If you no longer have your original immigration documents, Service Canada may be able to obtain information from Immigration, Refugees and Citizenship Canada on your behalf. To do so, you must complete, sign and return the Consent to Exchange Information with Citizenship and Immigration Canada (ISP3210) with your OAS application.
 
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政府部门有多年CPP供款档案记录,也是佐证
常出国超过6个月的护照要保留

What documents will I need to provide?
If you were not born in Canada, you must prove your legal status in Canada with your citizenship or immigration documents. If you have not lived continuously in Canada after turning age 18, you must submit proof of all the dates you arrived in or left Canada for periods of over six months. You can do this by providing your passports, visas, airline, ship, and bus tickets, and other documents that prove your residence history in Canada.

When official documents are not available, you may submit other documents such as school and census records, letters from employers, and contracts (mortgage, lease, etc.). Contact us for more examples of acceptable proof.

If you no longer have your original immigration documents, Service Canada may be able to obtain information from Immigration, Refugees and Citizenship Canada on your behalf. To do so, you must complete, sign and return the Consent to Exchange Information with Citizenship and Immigration Canada (ISP3210) with your OAS application.

看完的感受是,自己证明自己不在加拿大容易,要证明在就难了。
 
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帮宇航员问一下森林大哥:
领取OAS时,在美帝呆的时间可不可以算进去?谢谢!
森林的理解是可以
可到以下SSA官网点击 Claims for benefits
https://www.ssa.gov/international/Agreement_Pamphlets/canada.html#claims

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。
 
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森林的理解是可以
可到以下SSA官网点击 Claims for benefits
https://www.ssa.gov/international/Agreement_Pamphlets/canada.html#claims

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。
森林大哥简直就是加拿大百科全书,:wdb45:
代表宇航员再次感谢!:wdb17::wdb6:
 
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森林的理解是可以
可到以下SSA官网点击 Claims for benefits
https://www.ssa.gov/international/Agreement_Pamphlets/canada.html#claims

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。
帮宇航员问一下森林大哥:wdb22:
领取OAS时,在美帝呆的时间可不可以算进去?
谢谢!:wdb17:
你这种情况按照@森林之歌上面链接里说的,只能分开申请。“If you live in the United States and wish to apply for U.S. or Canadian benefits:……”。我的理解是不能把在美国的时间加进去。我因为没有这方面的情况,我也没详细的去研究。也许我的理解是错的。
 

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