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Originally posted by MITRON

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Originally posted by RBO

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Originally posted by MITRON

Don't you have to finish at least 10 years in Canada before you start getting OAS + GIS?

So if they came in 2013, how come they are getting OAS and GIS, so soon in 2019? Don't they have to wait till 2023?

I think you have to be 65 and need to complete 10 years in Canada.

Or maybe India & Canada have some social security agreements, where years worked in India are calculated towards the 10 years and you start getting it at 65 in Canada, even if you haven't finished 10 years in Canada.

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I was surprised too when received the letter and forms from Service Canada. I called Service Canada and they said my father is may be going to eligible for GIS as his age 65 plus. (Depending on calculation by Service Canada)

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Apply anyway then. The worst thing that can happen is that they will deny the claim if they are ineligible.

Keep a record/photo copy of all your correspondence with them for your records.

Keep the envelope also in which they mailed you the forms, so that you can say that THEY mailed you the forms and you didn't just print them online and mailed it to them.

Also when you call them, note down the date and time of call and if possible the employee name/ ID or any confirmation number or reference number.

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Originally posted by RBO

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Originally posted by MITRON

Don't you have to finish at least 10 years in Canada before you start getting OAS + GIS?

So if they came in 2013, how come they are getting OAS and GIS, so soon in 2019? Don't they have to wait till 2023?

I think you have to be 65 and need to complete 10 years in Canada.

Or maybe India & Canada have some social security agreements, where years worked in India are calculated towards the 10 years and you start getting it at 65 in Canada, even if you haven't finished 10 years in Canada.

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I was surprised too when received the letter and forms from Service Canada. I called Service Canada and they said my father is may be going to eligible for GIS as his age 65 plus. (Depending on calculation by Service Canada)

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This could be why they are getting OAS and GIS early. There must be some Canada & India social security/pension agreement.

https://retirehappy.ca/social-security-agreements-cpp-oas/

How international social security agreements affect CPP and OAS eligibility
Written by Doug Runchey • 166 Comments
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Canada currently has international social security agreements with over 50 countries. These agreements coordinate pension programs for people who have lived or worked in two countries.

Included in the 50 countries are the United States, France, Germany, Australia, Japan, as well as many smaller countries. Canada has only a limited agreement with the United Kingdom.

To get a list of all the countries with which Canada has agreements with and explanations of each agreement, visit the Service Canada website.

What is the purpose of these social security agreements?
Most of the agreements are similar, and are generally designed to do two things:

Eliminate duplicate coverage, for example where an individual lives in one country while working temporarily in another country
Eliminate gaps in coverage, where an individual has contributed to both countries but doesn’t have enough contributions to qualify for benefits in one or both countries.

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While both objectives are important, this article will deal exclusively with how the agreements eliminate gaps in coverage.

What is the meant by gaps in coverage?
Eligibility for social security benefits in Canada and in most other countries generally requires that you meet some minimum contributory criteria. For example:

You must have resided in Canada for at least 10 years after age 18 in order to be eligible for even a partial Old Age Security (OAS) pension.
You must have resided in Canada for at least 20 years after age 18 in order for your OAS pension to be permanently payable outside of Canada.
You generally must have contributed to the Canada Pension Plan (CPP) for four of the last six calendar years in order to be eligible for a CPP disability benefit.
You must have contributed for one-third of the years in your contributory period in order to be eligible for CPP death or survivor benefits.
Meeting these minimum contributory requirements is generally not difficult if you’ve lived your entire life in Canada. It is much more difficult if you’ve moved to or from another country partway through life. Without a social security agreement between those countries, people might not qualify for benefits from one or both of those countries.

Your parents probably qualify under this for OAS and maybe even GIS, even though they have not finished 10 years in Canada.

They must have contributed to Provident Fund - PF in India. So their India years seem to be included in Canada.

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/india.html

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.


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India - Pensions and benefits
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If you have lived or worked in Canada and worked in India, or you are the survivor of someone who has lived or worked in Canada and worked in India, you may be eligible for pensions or benefits from India or Canada, or both.

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.

What benefits are available
If you lived in Canada or contributed to the Canada Pension Plan and contributed to the Employees' Pension Scheme, 1995, (EPS) in India, this agreement may help you qualify for:

Canadian old age and disability benefits;
Indian old age and disability benefits.
If you are the widow, widower, child or eligible individual of a person who contributed to both the Canada Pension Plan and the EPS the pension programs of both countries, this agreement may help you qualify for:

Canadian survivor benefits;
Indian survivor benefits.
If you, or the deceased, did not contribute to the Indian EPS since 1995, or contributed to the EPS but have received a lump-sum withdrawal of those contributions, this Agreement will not assist you in qualifying for a Canadian or an Indian pension.

You may qualify for a Canadian or an Indian benefit, or both. However, under the Agreement, the benefit paid by each country will be based solely on your creditable periods under that country's pension program. In other words, Canada will pay a benefit amount reflecting the portion of your periods that are creditable under Canada's pension program, and India will pay a benefit amount reflecting the portion of your creditable periods under the EPS.

The Agreement can also help you to obtain a lump-sum benefit or refund of contributions to the Indian Employees' Provident Fund Scheme, 1952 (EPFO), and the Employees' Deposit-Linked Insurance Scheme, 1976 (EDLI).

Am I eligible to receive a benefit
Canadian benefits
The Canadian pension programs included in the Agreement are the Canada Pension Plan (CPP) and the Old Age Security (OAS) program.

If you do not qualify for a CPP benefit based on your contributions to the CPP, Canada may consider your periods of contribution to the Indian Employees' Pension Scheme, 1995 (EPS) as periods of contribution to the CPP to help you meet the eligibility requirements.

If you do not qualify for an OAS pension based on your years of residence in Canada, Canada may consider periods of contribution to the Indian EPS as periods of residence in Canada to help you meet the eligibility requirements.

It is important to note that if you have already received a refund of your contributions to the Indian EPS, this Agreement cannot assist you in qualifying for Canadian benefits.

Note: Quebec Pension Plan (QPP) contributors
The Government of Canada’s international social security agreements cover Old Age Security and Canada Pension Plan benefits only. If you contribute or have contributed to the QPP but not to the CPP, please consult the Quebec Pension Plan.

Indian benefits
The Indian Employees' Pension Scheme, 1995 (EPS) pension program of India is similar to the Canada Pension Plan (CPP) and covers many employed persons in India.

To qualify for a benefit under the Indian EPS, you normally must have contributed to the scheme for a minimum number of years.

If you have not contributed to the EPS, since 1995, for the minimum period to qualify for an Indian old age benefit, under the Agreement, the EPS may consider periods of contribution to the CPP and periods of residence in Canada after the age of 18 as creditable periods under the Indian EPS to help meet the eligibility requirements. To determine eligibility for Indian invalidity benefits, India may consider periods of contribution to the CPP as creditable periods under the EPS. To determine eligibility for Indian survivor benefits, the deceased's periods of contribution to the CPP may be considered as creditable periods under the EPS.

It is important to note that if you have received a refund of your contributions to the Indian EPS, this Agreement cannot assist you in qualifying for Indian benefits.

The Agreement can also help you to obtain a lump-sum payment from the Indian Employees' Provident Fund Scheme, 1952, and the Employees' Deposit-Linked Insurance Scheme, 1976. It can also assist you in obtaining a lump-sum refund of your EPS contributions if you still do not have sufficient periods to qualify for a pension from the EPS after combining your EPS periods with creditable periods from Canada.

How do I apply
Print and complete one of the following application forms:

If you live in Canada
If you live in Canada and want to apply for Canadian benefits, see Public pensions.

If you live in Canada and want to apply for Indian benefits:

India/Canada Agreement – Interim Application for Indian Benefits (ISP-5005-IND)
Return the completed form to a Service Canada Centre, or mail it to:

International Operations
Service Canada
PO Box 2710 Station Main
Edmonton AB T5J 2G4
Canada

If you live in India
If you live in India and want to apply for Canadian benefits:

India/Canada Agreement - Application for Canadian Old Age, Retirement and Survivor Benefits (ISP5054-IND)
India/Canada Agreement - Application for CPP Child's Benefit's (ISP5055-IND)
India/Canada Agreement - Application for CPP Disability Benefits (ISP5053-IND)
Attach all necessary supporting documents, and return the application form to a social security office in India, or mail it to:

International Operations
Service Canada
PO Box 2710 Station Main
Edmonton AB T5J 2G4
Canada

Quote:

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Originally posted by MITRON

Your parents probably qualify under this for OAS and maybe even GIS, even though they have not finished 10 years in Canada.

They must have contributed to Provident Fund - PF in India. So their India years seem to be included in Canada.

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/india.html

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.

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Take a look at the Part I of this governme ..

Read more at:
http://timesofindia.indiatimes.com/articleshow/62646237.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst


FH.
https://timesofindia.indiatimes.com/business/faqs/pension-fund-faqs/old-age-pension-how-to-apply-for-national-pension-scheme/articleshow/62646237.cms

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Quote:

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Originally posted by RBO

Quote:

---

Originally posted by MITRON

Your parents probably qualify under this for OAS and maybe even GIS, even though they have not finished 10 years in Canada.

They must have contributed to Provident Fund - PF in India. So their India years seem to be included in Canada.

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/india.html

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.

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My father had a small business and they did not contributed any kind of PF in India. so I don't think they are eligible for OAS.

anyway, I am going to send form to Service Canada for GIS for a now and let's see how they are considering our application. I will update here once receiving any answer from Service Canada.

Regards

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Quote:

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Originally posted by Full House

Take a look at the Part I of this governme ..

Read more at:
http://timesofindia.indiatimes.com/articleshow/62646237.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst


FH.
https://timesofindia.indiatimes.com/business/faqs/pension-fund-faqs/old-age-pension-how-to-apply-for-national-pension-scheme/articleshow/62646237.cms

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Quote:

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Originally posted by RBO

Quote:

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Originally posted by MITRON

Your parents probably qualify under this for OAS and maybe even GIS, even though they have not finished 10 years in Canada.

They must have contributed to Provident Fund - PF in India. So their India years seem to be included in Canada.

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/india.html

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.

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My father had a small business and they did not contributed any kind of PF in India. so I don't think they are eligible for OAS.

anyway, I am going to send form to Service Canada for GIS for a now and let's see how they are considering our application. I will update here once receiving any answer from Service Canada.

Regards

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