本文发表在 rolia.net 枫下论坛You qualify for a CPP retirement pension if you have made at least one valid contribution (payment) to the Plan and if:
* you are at least 65; or
* you are between 60 and 64, and meet the earning requirements set out in the legislation.
Your CPP retirement pension is based on how much, and for how long, you contributed to the Plan (or to both the CPP and the Quebec Pension Plan). The age at which you choose to retire also affects the amount you receive.
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The Old Age Security pension is a monthly benefit available, if applied for, to most Canadians 65 years of age or over. Old Age Security residence requirements must also be met. An applicant's employment history is not a factor in determining eligibility, nor does the applicant need to be retired. Old Age Security pensioners pay federal and provincial income tax. Higher income pensioners also repay part or all of their benefit through the tax system.
Eligibility conditions: To qualify for an Old Age Security pension, a person must be 65 years of age or over, and
* must be a Canadian citizen or a legal resident of Canada on the day preceding the application's approval; or
* if no longer living in Canada, must have been a Canadian citizen or a legal resident of Canada on the day preceding the day he or she stopped living in Canada.
A minimum of 10 years of residence in Canada after reaching age 18 is required to receive a pension in Canada.
Amount of benefits: The amount of a person's pension is determined by how long he or she has lived in Canada, according to the following rules: A person who has lived in Canada, after reaching age 18, for periods that total at least 40 years, may qualify for a full Old Age Security pension;
A person who cannot meet the requirements for the full Old Age Security pension may qualify for a partial pension. A partial pension is earned at the rate of 1/40th of the full monthly pension for each full year lived in Canada after his or her 18th birthday. Once a partial pension has been approved, it may not be increased as a result of added years of residence in Canada.
所以，即便对于我们这些30岁左右才到加拿大来的人，也不可能拿到全额OAS，更不用说才刚来的父母了。而且注意最后几句，一旦开始拿OAS，以后的额度不会增加。也就是说，如果来了10年的时候申请，只能拿1/４。更多精彩文章及讨论，请光临枫下论坛 rolia.net
* you are at least 65; or
* you are between 60 and 64, and meet the earning requirements set out in the legislation.
Your CPP retirement pension is based on how much, and for how long, you contributed to the Plan (or to both the CPP and the Quebec Pension Plan). The age at which you choose to retire also affects the amount you receive.
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The Old Age Security pension is a monthly benefit available, if applied for, to most Canadians 65 years of age or over. Old Age Security residence requirements must also be met. An applicant's employment history is not a factor in determining eligibility, nor does the applicant need to be retired. Old Age Security pensioners pay federal and provincial income tax. Higher income pensioners also repay part or all of their benefit through the tax system.
Eligibility conditions: To qualify for an Old Age Security pension, a person must be 65 years of age or over, and
* must be a Canadian citizen or a legal resident of Canada on the day preceding the application's approval; or
* if no longer living in Canada, must have been a Canadian citizen or a legal resident of Canada on the day preceding the day he or she stopped living in Canada.
A minimum of 10 years of residence in Canada after reaching age 18 is required to receive a pension in Canada.
Amount of benefits: The amount of a person's pension is determined by how long he or she has lived in Canada, according to the following rules: A person who has lived in Canada, after reaching age 18, for periods that total at least 40 years, may qualify for a full Old Age Security pension;
A person who cannot meet the requirements for the full Old Age Security pension may qualify for a partial pension. A partial pension is earned at the rate of 1/40th of the full monthly pension for each full year lived in Canada after his or her 18th birthday. Once a partial pension has been approved, it may not be increased as a result of added years of residence in Canada.
所以，即便对于我们这些30岁左右才到加拿大来的人，也不可能拿到全额OAS，更不用说才刚来的父母了。而且注意最后几句，一旦开始拿OAS，以后的额度不会增加。也就是说，如果来了10年的时候申请，只能拿1/４。更多精彩文章及讨论，请光临枫下论坛 rolia.net