关于补助金(GIS)老人金(OAS)退休金(CPP)

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T友人移加多年,选举从不投票,从不填报人口普查表
俺开玩笑说:联邦档案里全无加拿大生活点滴记录,恐怕不利申请老人金哦

T友人决定明天去投票了!
 
最后编辑: 2019-10-20
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T友人移加多年,选举从不投票,从不填报人口普查表
俺开玩笑说:联邦档案里全无加拿大生活点滴记录,恐怕不利申请老人金哦

T友人决定明天去投票了!
“Parliament quietly passed a bill last month to give Statistics Canada more independence in how it conducts its research, and also changed the punishment for refusing to fill out the census or for providing false information. Canadians will no longer be threatened with up to three months of jail time, but they could still receive fines of up to $500.”
 
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“Parliament quietly passed a bill last month to give Statistics Canada more independence in how it conducts its research, and also changed the punishment for refusing to fill out the census or for providing false information. Canadians will no longer be threatened with up to three months of jail time, but they could still receive fines of up to $500.”
T友人去投票了!也决定不再抗拒人口普查了!
 
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一直想知道,如果满足住够20年条件,人离开加拿大回国放弃pr的话, 还怎么申领CPP和OAS
CPP 应该可以申请,只要你曾contribution to CPP。但OAS 必须符合以下三个条件。如果放弃PR身份,不敢确定行不行。
If you are living outside Canada, you must:
1. be 65 years old or older;
2. have been a Canadian citizen or a legal resident of Canada on the day before you left Canada; and
3. have resided in Canada for at least 20 years since the age of 18.

 
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放弃PR,等于放弃OAS。
Legal status
If you live outside Canada, you must have been a Canadian citizen or a permanent resident or have held Indian Status or a temporary resident permit on the day before you left Canada.
俺理解:放弃PR,曾经住满20年也可以申请OAS
If you are living outside Canada, you must:
1. be 65 years old or older;
2. have been a Canadian citizen or a legal resident of Canada on the day before you left Canada; and
3. have resided in Canada for at least 20 years since the age of 18.
 
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一直想知道,如果满足住够20年条件,人离开加拿大回国放弃pr的话, 还怎么申领CPP和OAS
Application for a Canada Pension Plan Retirement Pension
Mail your forms to:
The nearest Service Canada office listed below.
From outside of Canada: The Service Canada office in the province where you last resided.

Need help completing the forms?
Canada or the United States: 1-800-277-9914
All other countries: 613-957-1954 (we accept collect calls)
TTY: 1-800-255-4786
Important: Please have your social insurance number ready when you call.

Application for the Old Age Security Pension
Mail your forms to:
Service Canada Offices Old Age Security
The nearest Service Canada office listed below.
From outside of Canada: The Service Canada office in the province where you last resided.

Need help completing the forms?
Canada or the United States: 1-800-277-9914
All other countries: 613-957-1954 (we accept collect calls)
TTY: 1-800-255-4786
Important: Please have your social insurance number ready when you call.
 
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俺理解:放弃PR,曾经住满20年也可以申请OAS
If you are living outside Canada, you must:
1. be 65 years old or older;
2. have been a Canadian citizen or a legal resident of Canada on the day before you left Canada; and
3. have resided in Canada for at least 20 years since the age of 18.
我看了OAS申请表,应该是可以。但以前有报道说有人曾被拒绝,忘了是什么原因了。
 
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Application for a Canada Pension Plan Retirement Pension
Mail your forms to:
The nearest Service Canada office listed below.
From outside of Canada: The Service Canada office in the province where you last resided.

Need help completing the forms?
Canada or the United States: 1-800-277-9914
All other countries: 613-957-1954 (we accept collect calls)
TTY: 1-800-255-4786
Important: Please have your social insurance number ready when you call.

Application for the Old Age Security Pension
Mail your forms to:
Service Canada Offices Old Age Security
The nearest Service Canada office listed below.
From outside of Canada: The Service Canada office in the province where you last resided.

Need help completing the forms?
Canada or the United States: 1-800-277-9914
All other countries: 613-957-1954 (we accept collect calls)
TTY: 1-800-255-4786
Important: Please have your social insurance number ready when you call.
谢谢森林之歌!
 
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在别国申领加拿大的CPP和OAS好像要被扣除一个比率的税款,好像在哪里看过是25%,有的国家和加拿大有税务协定,可以申请减免,中国好像和几年都没有这方面税务协定,所以曾经的华人移民回国后无法申请税务减免?
 
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在别国申领加拿大的CPP和OAS好像要被扣除一个比率的税款,好像在哪里看过是25%,有的国家和加拿大有税务协定,可以申请减免,中国好像和几年都没有这方面税务协定,所以曾经的华人移民回国后无法申请税务减免?
在这里了~
Taxes on Pensions and Benefits for those outside Canada

Non-resident tax
Your monthly Old Age Security (OAS) and Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) pensions and benefits may be subject to a Canadian income tax called the "non-resident tax". The tax rate is 25% unless reduced or exempted by a tax treaty between Canada and your country of residence. The non-resident tax will be deducted from your benefit payments.

Requesting a reduction in the amount of non-resident tax withheld (form NR5)
If you live in a country with a tax treaty with Canada, you don't need to ask for taxes on your payments to be reduced or exempted. It will be done automatically when you file your income tax.

If you live in a country without a tax treaty or if you want less tax to be withheld from your monthly payments, you may ask for your taxes to be reduced or eliminated from your benefit payment by completing the Application by a Non-Resident of Canada for a Reduction in the Amount of Non-Resident Tax Required to be Withheld (NR5) . The NR5 should be received by October 31 if you want less tax to be withheld in the following year starting in January. If late, your application cannot be accepted. Once approved, the NR5 is valid for five years unless your income changes. Note, however, that you must still file an income tax return each taxation year. Also, if you already have an NR5 for one pension and you start to receive a second pension, you must complete a new NR5.
 
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在这里了~
Taxes on Pensions and Benefits for those outside Canada

Non-resident tax
Your monthly Old Age Security (OAS) and Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) pensions and benefits may be subject to a Canadian income tax called the "non-resident tax". The tax rate is 25% unless reduced or exempted by a tax treaty between Canada and your country of residence. The non-resident tax will be deducted from your benefit payments.

Requesting a reduction in the amount of non-resident tax withheld (form NR5)
If you live in a country with a tax treaty with Canada, you don't need to ask for taxes on your payments to be reduced or exempted. It will be done automatically when you file your income tax.

If you live in a country without a tax treaty or if you want less tax to be withheld from your monthly payments, you may ask for your taxes to be reduced or eliminated from your benefit payment by completing the Application by a Non-Resident of Canada for a Reduction in the Amount of Non-Resident Tax Required to be Withheld (NR5) . The NR5 should be received by October 31 if you want less tax to be withheld in the following year starting in January. If late, your application cannot be accepted. Once approved, the NR5 is valid for five years unless your income changes. Note, however, that you must still file an income tax return each taxation year. Also, if you already have an NR5 for one pension and you start to receive a second pension, you must complete a new NR5.
那么中国移民回国后申请税务减免有可能获得批准吗?
 
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加拿大政府出狠招!华人移民被迫放弃每年¥10万的老人金
2019-02-04 超级生活

加拿大以福利好世界闻名,65岁退休后可申请政府老人金(Old Age Security Pension,简称OAS)以及低收入补助金(Guaranteed Income Supplement,简称GIS),2019年每名老人最高可领到的老人金及补助金折合人民币接近¥10万。

但是,加拿大联邦政府近期却祭出一狠招,要求申请者如实申报海外收入,并且要求填写身份证号码,很多华人长者由于各种原因,不得不忍痛割爱,放弃申请这项每年近10万人民币的福利。

每月最高1500加元的养老金

老人金OAS申请资格与是否曾在加拿大工作过无关,与在加拿大的居住年限有关,只要在加拿大居住满10年的65岁以上移民即符合申请资格。

18岁以后在加拿大住满40年即可领取全额OAS养老金,居住每少一年就减1/40。

根据政府网站公布数据,老人金OAS目前每月最高能领能$601.45元,GIS最高可领到$898.32,两者加在一起每月可领取高达$1500加元的养老金。

(低收入+未住满40年OAS不足人士,Extra GIS 补齐最高OAS,以达到最低保障金额$1500)

1500加元相当于每月近8000人民币,换言之,移民加拿大后的长者最高每年可领取近10万人民币的老人金。

联邦政府出狠招,要求填写海外收入

但是,自从2018年8月27日后,加拿大联邦就业和社会发展部改用全新的申请表格,将老人金OSA和低收入补助金GIS的申请合在一张有8页纸的申请表格里。但是,却增加一项极为重要的新内容。

该项内容在申请表格的第三页,要求申请人提供18岁以后在世界各地居住过的详细资料。

包括回答是否在该国工作过,是否曾经申请过福利,并且要求提供身份证号码!
962AD117-ED1A-4EF1-A071-9A6B98DA82FC.jpeg

据多伦多一间帮助老人申请填表的志愿机构表示,自从联邦政府增添了此部分内容后,不少原计划申请上述两项福利的华人长者纷纷放弃申请,前往寻求帮助填写申请表格的人数也明显减少。

而在申请表第六页中,还问及:“如果不是加拿大税务居民,2018年的净收入是否超过$75,910元。”

0A00EA79-634B-486B-93D0-074364A38E16.jpeg

老人金随其他收入增加而减少

由于绝大多数华人长者均是通过家庭团聚移民的途径从中国移民加拿大,很多老人家在国内工作数十年,退休后一直有领取退休金及社保等。

加拿大的养老金低收入保证金GIS部分会随着其他收入的增加而逐级减少,换言之,加拿大退休后,不但CPP、RRSP会影响GIS,连在中国国内领取的退休金也会影响到GIS。

根据加拿大政府官网的信息,每年收入$0.00 - $23.99的老人最高领取1,499.77加元。

如果在国内每月领取人民币4000元退休金,一年收入大约1万加元。

没有领取的老人家总额将减少至942加元,相当于550加元,折合人民币不足¥3000,相比国内领取的4000还是有赚。

但是,如果年收入超过17000加元,低收入补助金则接近为零。

众多华人长者不得不忍痛割爱

不过,有些华人长者不但在国内退休金很高,而且还拥有房产,有部分华人长者还有房屋出租收入和其他投资收入。

而2018年9月1日开始,全球110个国家参与的税务互通协议CRS(Common Reporting Standard,共同申报准则)已经正式实施,中国和加拿大将互通财务信息。

现在,加拿大联邦政府要求老人金申请者填写国内的身份证号码,可以很容易根据银行资料查出申请者在国内的收入及资产情况。

而很多华人长者申请人士过去报税时一直没有申报过自己的海外收入,如果在申请老人金申请表格中填写了原居地的身份证号码,联邦税务局一旦查出申请者的海外收入及资产,或许会追讨所欠税款,甚至可能被控诈骗和偷税漏税。

于是,这批华人老人家不得不忍痛放弃申请老人金。
 
最后编辑: 2019-11-19
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OAS不是注满20年才有资格申请吗,怎么是住满10年了
境内住满10年,境外须曾住满20年

If you are living in Canada, you must:
  • be 65 years old or older;
  • be a Canadian citizen or a legal resident at the time we approve your OAS pension application; and
  • have resided in Canada for at least 10 years since the age of 18.
If you are living outside Canada, you must:
  • be 65 years old or older;
  • have been a Canadian citizen or a legal resident of Canada on the day before you left Canada; and
  • have resided in Canada for at least 20 years since the age of 18.
 
最后编辑: 2019-11-19
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这个帖子太好了,谢谢楼主分享。
也想60 岁开始领CPP. CPP跟工作年头有关系吗?
用楼主提供的计算器,只要输入本人年龄和退休年龄,
算出的比政府估计的要高好多,不知道怎么回事?
首先,登入My Service Canada Account
然后将 Estimated Monthly CPP Benefits 数字
输入计算器一栏:CPP Estimate at Age 65
看看如何?
 

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