Darcy was asking me what happens to his Canada pension once he is here. I said I didn't know but I am sure somebody on here would know. Also, I know he can get dual citizenship eventually but once he gets a SSN here in the US does he loose his Canada SIN?
Thanks,
Jen
Full Version: Canada Pension
Great question, Jen. I currently receive a widow's pension and am wondering what will happen to it. I imagine they will terminate it once I move to the U.S. but I'm not sure. I'll soon find out, though. 
If the retirement pension works the same as in the U.K. and we're still living in the U.S., we should receive reduced benefits when we are eligible to apply for it.
Here's a link for us to do some research. http://www.sdc.gc.ca/en/isp/cpp/cpptoc.shtml
WRT the SIN question.... that will be attached to us even beyond our deaths..... we will never lose it.
Yep... reduced benefits.... http://www.sdc.gc.ca/en/isp/pub/nontax.shtml
If the retirement pension works the same as in the U.K. and we're still living in the U.S., we should receive reduced benefits when we are eligible to apply for it.
Here's a link for us to do some research. http://www.sdc.gc.ca/en/isp/cpp/cpptoc.shtml
WRT the SIN question.... that will be attached to us even beyond our deaths..... we will never lose it.
Yep... reduced benefits.... http://www.sdc.gc.ca/en/isp/pub/nontax.shtml
QUOTE(Krikit @ Jun 16 2006, 08:14 PM) 
Great question, Jen. I currently receive a widow's pension and am wondering what will happen to it. I imagine they will terminate it once I move to the U.S. but I'm not sure. I'll soon find out, though.
If the retirement pension works the same as in the U.K. and we're still living in the U.S., we should receive reduced benefits when we are eligible to apply for it.
Here's a link for us to do some research. http://www.sdc.gc.ca/en/isp/cpp/cpptoc.shtml
WRT the SIN question.... that will be attached to us even beyond our deaths..... we will never lose it.
Yep... reduced benefits.... http://www.sdc.gc.ca/en/isp/pub/nontax.shtml
Oh no, wait. It says 0% taxation in the U.S. I'm so confused.
Please somebody reply..... 
Ok that was just to get me bumped!
Ok that was just to get me bumped!
AFAIK, if you have paid in to CP for 20 years you are eligible to receive payments at retirement no matter where you live. If you have not paid in for 20 years, you're not eligible.
when my sister who lives in NC now, inquired about hers she was told by CPP that if she becomes a US citizen and gives up her Canadian she loses ALL CPP benefits of any kind. If she remains a PR she keeps it.
she can have dual citizenship and still get Cpp. Their response was "if she gets US and gives up Canadian"
I'm sure if you check again you only lose CPP if you renounce your Canadian citizenship.
I'm sure if you check again you only lose CPP if you renounce your Canadian citizenship.
Well that is good information to know about CPP.
I have worked in Canada for over 20 years , so hopefully I will receive my CPP living here.
I have worked in Canada for over 20 years , so hopefully I will receive my CPP living here.
I was just looking at their website, and it seems that they have agreements with Social Security, so its possible even that if you haven't worked 20 years in Canada, but have contributed to other social retirement pensions (ex: US Social Security) they can combine the years worked in both countries so that you have eligibility.
Did that make sense?
Did that make sense?
QUOTE(Reba @ Jun 18 2006, 02:00 PM)
I was just looking at their website, and it seems that they have agreements with Social Security, so its possible even that if you haven't worked 20 years in Canada, but have contributed to other social retirement pensions (ex: US Social Security) they can combine the years worked in both countries so that you have eligibility.
Did that make sense?
yep, I have spoken with folks at CPP as part of some retirement thingamajig I went to for Public Servants. I specifically asked what happens when I move to the USA and was told that the US and Canada have an agreement and the years I worked in Canada can be added to the years I will work in the USA and make me eligible for US social security. As for Canadian social security - I believe we still get part of that too. But I am sketchy on it... I got this info through a Q& A period, so it is all very general. It would be best to go visit someone at the department and speak with them about your specific situation.
But the overall answer as it was explained to me is, you can either get a portion of CPP according to how long you've worked, or apply it to the US tally.
or maybe I've got it backwards and it is the OAS in Canada that gets applied to the US SS, and the CPP you get a portion of? Something like that!
Awesome! Thank you everyone for your responses. Darcy will be relieved. He has worked over 20 years in Canada and was going to be a bit disappointed if it all goes down the drain. He will apply for dual citizenship when that time comes.
Thank you guys are the best as always!
Thank you guys are the best as always!
out of curiosity I emailed them about it and will let you all know when I receive a response. Their autoresponse says it may take up to 5 business days.
here's the response I got from them:
I had CPP and OAS mixed up. Its the OAS that you have to had lived in Canada 20 years after age 18 in order to be able to collect. CPP doesn't matter how many years you worked, but your payments will depend on how much you have contibuted.
No mention at all about eligibility if you obtain a second citizenship.
QUOTE
Dear Ms. Chapman:
Thank you for your Internet request dated June 18, 2006 regarding
Canada Pension Plan (CPP) benefits.
Your CPP benefit is calculated based on how long you have worked
and how much you have contributed into the CPP.
CPP retirement pension is normally taken at age 65. CPP legislation
allows early retirement pension at age 60.
You may apply for and receive your CPP benefits outside Canada.
To apply, you may do any one of the following ways:
1. Contact the applicable number listed below so we would be
able to assist you. Our regular business hours are from 8:30
am to 4:30 pm Monday to Friday.
2. Complete form ISP 1000 which is available to download on
the following Web site:
http://www.hrsdc.gc.ca/eforms/forms/isp1000e.pdf
3. Visit the following Web site for the ON-LINE application:
http://www.sdc.gc.ca/en/isp/common/rtrinfo.shtml
We invite you to visit the following Web sites for the other
details:
http://www.sdc.gc.ca/en/isp/cpp/cppinfo.shtml
on General Information about the Canada pension Plan (please
take particular note of Questions 4-6)
http://www.sdc.gc.ca/en/isp/pub/factsheets/retire.shtml
on CPP Retirement Pension (please take particular note of the
following questions: How does the CPP calculate my retirement
pension? and How does my age affect the amount of my pension?)
The Old Age Security (OAS) pension may also be available to you
if you meet the following conditions:
1. Age (at least 65 years old)
2. Valid status (legal resident or Canadian citizen when you
left Canada)
3. Minimum years' residence in Canada after age 18 (10 years;
20 years if pension is collected outside Canada)
4. Must apply in writing (Form ISP 3000 is available to download
on the following Web site:
http://www.hrsdc.gc.ca/eforms/forms/isp3000ke.pdf)
What happens if you do not qualify for a Canadian Old Age Security
pension because you have not lived in Canada for the minimum
number of years (20 years)? There are certain countries (including
the US) that have agreements on social security with Canada.
Under the Agreement, Canada will consider periods of contribution
to the pension program of the United States after the age of
18 and January 1, 1952, as periods of residence in Canada.
Please visit the following Web site for the other details:
http://www.sdc.gc.ca/en/isp/pub/oas/oas.shtml
on Old Age Security Pension
Dual citizenship does not affect your CPP and OAS benefits as
long as you meet the conditions mentioned above.
For further assistance, please contact us:
From within Canada or the U.S. toll free:
1-800-277-9914 (English)
1-800-277-9915 (French)
1-800-454-8731 (International Operations accounts only)
1-800-255-4786 (Teletypewriter/TDD)
From outside Canada and the US:
(613) 990-2244 (Toll charges will apply)
(613) 957-1954 (Collect calls accepted for International Operations
accounts only)**
Sincerely,
RMClemente
Service Delivery Agent
isp-psr.mail-poste@servicecanada.gc.ca***
Old Age Security/Canada Pension Plan (Income Security Programs)****
http://www.sdc.gc.ca/en/gateways/nav/top_n...ogram/isp.shtml
Social Development Canada (SDC)
www.sdc.gc.ca
Service Canada
www.servicecanada.gc.ca
Thank you for your Internet request dated June 18, 2006 regarding
Canada Pension Plan (CPP) benefits.
Your CPP benefit is calculated based on how long you have worked
and how much you have contributed into the CPP.
CPP retirement pension is normally taken at age 65. CPP legislation
allows early retirement pension at age 60.
You may apply for and receive your CPP benefits outside Canada.
To apply, you may do any one of the following ways:
1. Contact the applicable number listed below so we would be
able to assist you. Our regular business hours are from 8:30
am to 4:30 pm Monday to Friday.
2. Complete form ISP 1000 which is available to download on
the following Web site:
http://www.hrsdc.gc.ca/eforms/forms/isp1000e.pdf
3. Visit the following Web site for the ON-LINE application:
http://www.sdc.gc.ca/en/isp/common/rtrinfo.shtml
We invite you to visit the following Web sites for the other
details:
http://www.sdc.gc.ca/en/isp/cpp/cppinfo.shtml
on General Information about the Canada pension Plan (please
take particular note of Questions 4-6)
http://www.sdc.gc.ca/en/isp/pub/factsheets/retire.shtml
on CPP Retirement Pension (please take particular note of the
following questions: How does the CPP calculate my retirement
pension? and How does my age affect the amount of my pension?)
The Old Age Security (OAS) pension may also be available to you
if you meet the following conditions:
1. Age (at least 65 years old)
2. Valid status (legal resident or Canadian citizen when you
left Canada)
3. Minimum years' residence in Canada after age 18 (10 years;
20 years if pension is collected outside Canada)
4. Must apply in writing (Form ISP 3000 is available to download
on the following Web site:
http://www.hrsdc.gc.ca/eforms/forms/isp3000ke.pdf)
What happens if you do not qualify for a Canadian Old Age Security
pension because you have not lived in Canada for the minimum
number of years (20 years)? There are certain countries (including
the US) that have agreements on social security with Canada.
Under the Agreement, Canada will consider periods of contribution
to the pension program of the United States after the age of
18 and January 1, 1952, as periods of residence in Canada.
Please visit the following Web site for the other details:
http://www.sdc.gc.ca/en/isp/pub/oas/oas.shtml
on Old Age Security Pension
Dual citizenship does not affect your CPP and OAS benefits as
long as you meet the conditions mentioned above.
For further assistance, please contact us:
From within Canada or the U.S. toll free:
1-800-277-9914 (English)
1-800-277-9915 (French)
1-800-454-8731 (International Operations accounts only)
1-800-255-4786 (Teletypewriter/TDD)
From outside Canada and the US:
(613) 990-2244 (Toll charges will apply)
(613) 957-1954 (Collect calls accepted for International Operations
accounts only)**
Sincerely,
RMClemente
Service Delivery Agent
isp-psr.mail-poste@servicecanada.gc.ca***
Old Age Security/Canada Pension Plan (Income Security Programs)****
http://www.sdc.gc.ca/en/gateways/nav/top_n...ogram/isp.shtml
Social Development Canada (SDC)
www.sdc.gc.ca
Service Canada
www.servicecanada.gc.ca
I had CPP and OAS mixed up. Its the OAS that you have to had lived in Canada 20 years after age 18 in order to be able to collect. CPP doesn't matter how many years you worked, but your payments will depend on how much you have contibuted.
No mention at all about eligibility if you obtain a second citizenship.
Wow. That's awesome, Rebecca. Thank you.
Good news. Now I just have to bookmark this info for 30 yrs. lol
QUOTE(cristy @ Jun 21 2006, 10:51 AM)
Good news. Now I just have to bookmark this info for 30 yrs. lol
That's exactly what i was thinking i got another 34 years before I even think of this. Do they count your cpp contributions before age 18. I've been working since I was 14. wonder if those 4 years count.
I was 12 when I started working so I hope they do!
you don't start paying taxes or in to CPP until you're 18 I think, even if you do work. And Then contributions to CPP don't start until your anual income is over a certain $$ amount. And they would only count years of employment if you worked for an employer that reported your salary/wages and paid income tax on your behalf. If you were 12 years old working as a babysitter being paid cash, that doesn't count toward your CPP or OAS. Any jobs that you had "under the table" also do not count toward years of employment for CPP or OAS.
I had cash jobs babysitting and beach clean up, fry cook, waitress etc from age 12 until I was about 16, but none of it counts toward CPP.
I had cash jobs babysitting and beach clean up, fry cook, waitress etc from age 12 until I was about 16, but none of it counts toward CPP.
i know they took of both for a fact, so would this count. I worked for a convience store chain that was big.
I think if you have a legit job and you're under 18 they will take the CPP from each pay as usual, but you do get most/all of it back once you file your taxes. Thus, you didn't really contribute to CPP.
I'm probably way off on this though because I really have no accurate concept of how all the taxes/contributions/etc. work here in Canada. I was living in Texas when I first started working at 18 and my brain kind of got stuck in that mode despite having now lived/worked in Canada for the past four years.
I'm probably way off on this though because I really have no accurate concept of how all the taxes/contributions/etc. work here in Canada. I was living in Texas when I first started working at 18 and my brain kind of got stuck in that mode despite having now lived/worked in Canada for the past four years.
can you even get dual citizenship anymore?
i was told not too long ago that it was not possible unless your parent was born in the US and the other in Canada......for example.
something to look into
i was told not too long ago that it was not possible unless your parent was born in the US and the other in Canada......for example.
something to look into
Yes you can get citizenship in both countries.
dual citizenship for Canadians is very common and yes very much still allowed. Go have a look in the Citizenship forum here at VJ. Its an option available and a choice to make.
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