Location: Brampton, Ont, Canada
Posted on: 25-09-18 10:57:47
Collect Old Age Security - living outside of Canada
My Aunt is 79 years old and collecting Old Age Security, she go to India and comeback every time in 6 months
Now she is getting very old and sick, cant travel easily.
She has lived in Canada more than 20 years, she is Canadian citizen, she has OCI.
Q: Can she collect old age security if she decided to stay in India?
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'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)
To help you qualify for a Canadian pension or benefit:
your periods of contribution under the legislation of another country may be considered as periods of contribution to the Canada Pension Plan (CPP).
your periods of residency and contribution under the legislation of another country, also known as creditable periods, may be considered as periods of residency in Canada for the Old Age Security (OAS) program depending on the agreement.
Example 1
Thomas, 65, lived in Austria for much of his life. He lived in Canada for 16 years after the age of 18. This year, he moved back to Austria to be nearer his aging parents. Normally 20 years of residence in Canada is needed to receive an OAS pension outside Canada, so Thomas would normally not have qualified. However, the social security agreement with Austria allows him to count the time he lived in Austria after age 18 towards meeting the 20 -year residence-in-Canada requirement. Thomas will receive a partial OAS pension outside Canada for the rest of his life.
Note that while the social security agreement helped qualify Thomas to receive an OAS pension, the payment amount is determined by the numbers of years of residence in Canada after age 18. Having lived in Canada for 16 years, Thomas will receive 16/40ths of the full OAS pension.
Example 2
Liam was born in Ireland and worked there for 20 years before moving to Canada at the age of 40. Liam worked in Canada and contributed to the CPP for 5 years prior to his death at age 46. For Liam’s spouse and child to be eligible for CPP death and survivor benefits, Liam needed to have contributed to the CPP for 10 years. (You have to contribute to the CPP for at least one-third of all the years of your “contributory period”.) Because Liam contributed to the CPP for only 5 years, his survivors would normally not be entitled to death or survivor benefits. However, the social security agreement with Ireland allows his periods of contribution to the Irish pension program to be considered as periods of contribution to the CPP in order to satisfy the minimum qualifying period of 10 years. Since Liam’s spouse and child meet the age requirements, they will be entitled to CPP death and survivor benefits.
Note that, while the social security agreement helped Liam’s spouse and child to qualify for CPP benefits, the payment amounts will be based on the actual contributions Liam made to the CPP.
Foreign benefits
The foreign benefits covered by Canada’s international social security agreements vary from agreement to agreement. It is important to check the details of the agreement that relates to you.
So, your Aunt will surely get the same pension that she receives currently. Just to confirm, see the LOCAL M.P., wherever she is residing.
FH.
https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international/eligibility.html
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Quote:
Originally posted by Blue_Peafowl
Collect Old Age Security - living outside of Canada
My Aunt is 79 years old and collecting Old Age Security, she go to India and comeback every time in 6 months
Now she is getting very old and sick, cant travel easily.
She has lived in Canada more than 20 years, she is Canadian citizen, she has OCI.
Q: Can she collect old age security if she decided to stay in India?
xxx 29th Sept.2018 22:15
EDIT.: Here is what it means and amounts to.
HERE is what they are saying, which is" If you have 20 years or Over, you can get whatever money that you are getting as PENSION in your country.(For instance INDIA) Also, Some countries have treaties OR an AGREEMENT that they will take into consideration that they will accept the numbers of years of service they had and then add to it and bring it to a total of 20 YEARS, which will then enable them to collect anywhere outside of Canada. {Some countries have signed an agreement called TREATIES with Canada on PENSIONS AND SOCIAL SECURITY.}
Since your AUNT has 20 years of stay here within Canada ( At least 182 days or more per year every year) I am sure she will get the FULL AMOUNT she is currently receiving now.
BUT Just to confirm the same, please do go and see your MP for the location where she is living here in Canada. They have a DIRECT line to contact anyone in office. He will confirm after he contacts the OAS people who normally issue the cheques.
Hope this will help you, And your Aunt.
FH.
Quote:
Originally posted by Blue_Peafowl
Collect Old Age Security - living outside of Canada
My Aunt is 79 years old and collecting Old Age Security, she go to India and comeback every time in 6 months
Now she is getting very old and sick, cant travel easily.
She has lived in Canada more than 20 years, she is Canadian citizen, she has OCI.
Q: Can she collect old age security if she decided to stay in India?
Yes she can collect Her OAS in India, if she has lived here for more than 20 years. Also CPP, if she has any. Whatever she is getting right now, the FULL amount she will get in India via direct deposit.
I think every year she will have to file a tax return with CRA or give a life certificate or something like that, to continue receiving it in India.
But not GIS, for that she has to come here every 6 months.
Canadians are smart, OAS is not much, they will allow you to collect it abroad.
GIS - Guaranteed Income Supplement is the bigger payment, they won't let you collect it overseas.
See if she is getting just OAS or OAS + GIS.
