Canada Pension

[jen&darcy 0]

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

[Krikit 1,164]

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

Edited June 17, 2006 by Krikit

[Krikit 1,164]

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.

[jen&darcy 0]

Please somebody reply.....

Ok that was just to get me bumped!

[Reba 2]

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.

[shirlJ831 0]

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.

[Reba 2]

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.

[Peggy 1]

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.

[Reba 2]

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?

[hockeygal 0]

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!

Edited June 19, 2006 by hockeygal

[jen&darcy 0]

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!

Edited June 19, 2006 by jen&darcy

[Reba 2]

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.

[Reba 2]

here's the response I got from them:

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

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.

[Krikit 1,164]

Wow. That's awesome, Rebecca. Thank you.

[Cristy 4]

Good news. Now I just have to bookmark this info for 30 yrs. lol