在加拿大
刚才看到一个帖子说住满10年才可以拿到1/4的养老金这个是什么意思啊？有没有很懂的人给大家讲一下啊？当初移民就是想去养老的，若是养不成，可咋办？我就想知道，永久居民能享受什么福利啊？医疗，孩子上学，养老？有没有中国住房公积金这个类似的东西？都说加拿大20%上税，这些税都干嘛去了呢？能带给上税人什么福利呢？我算了一下，中国的税如果把住房公积金和税后收入一起算做你得到的钱，那才10%左右啊，还是比加拿大的少
原本盘算，青壮年的时候在国内多挣点，年纪大了去加拿大随便找个工作养老，看来不行了评论
年薪加刀10w+，HOUSE, 车子，2个孩子，每年去欧洲或者非洲或者南美洲或者澳洲或者亚洲旅游15天65岁以后能去东南亚温暖的岛上等死这就是偶渺小的移民理想刚才看到一个帖子说住满10年才可以拿到1/4的养老金点击展开...你成年后，在加拿大住满40年，就可以拿全部的了。
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http://www.canadameet.com有没有中国住房公积金这个类似的东西？点击展开...没有
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http://www.canadameet.com回复: 关于养老金和其他福利加拿大的养老福利由3部分组成的：1。是政府提供的. OAS (就是你提到的要住满10年才有资格享受，住满40年全额，当然10年就1/4了） GIS (低收入的额外补助） CPP (其实象国内的养老金，雇主，雇员分别缴一部分, 国家统筹） 2。公司提供的。有各种RPP,GRSP计划，（有点象国内公司的补助养老金), 而且每个公司的福利会有很大差别。 3。个人计划。常见的就是RRSP, 或 non-register investment.
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回复: 关于养老金和其他福利婴儿潮会把现在的年轻一代压垮的。加拿大政府精得很。你不交够钱，养老没门儿。
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我的空间：https://skydrive.live.com/?cid=2A5C533A78E07672www.flickr.com/photos/dengfz2008 picasaweb.google.com/dengfzhttp://519456139.qzone.qq.com回复: 关于养老金和其他福利感谢是不是每个月都要缴纳很多啊
若没有孩子，2个人都工作的话，交了这些税，养老计划什么的，一共要站薪水的百分之几啊评论
年薪加刀10w+，HOUSE, 车子，2个孩子，每年去欧洲或者非洲或者南美洲或者澳洲或者亚洲旅游15天65岁以后能去东南亚温暖的岛上等死这就是偶渺小的移民理想感谢 是不是每个月都要缴纳很多啊
若没有孩子，2个人都工作的话，交了这些税，养老计划什么的，一共要站薪水的百分之几啊点击展开...还得看你的收入，基本在20％以上；不过低收入的话，报税后会退给你部分收入税（每月薪水支票常见的要扣：TAX，E.I.，cpp）评论
------------------------------------------------http://www.beaware.gc.ca/english/toce.shtmlhttp://www.cbsa-asfc.gc.ca/publications/pub/bsf5056-eng.htmlhttp://www.inspection.gc.ca/english/toce.shtml回复: 关于养老金和其他福利学习了，谢谢！！
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奕奕爸+娜娜爸回复: 关于养老金和其他福利Jing.cn说的对, 政府的养老金主要有三部分组成. 1。是政府提供的. OAS (就是你提到的要住满10年才有资格享受，住满40年全额，当然10年就1/4了）2. GIS (低收入的额外补助）3. CPP (其实象国内的养老金，雇主，雇员分别缴一部分, 国家统筹）如果你在这没象样的工作又有些存款, 别指望2,3项, 绝大部分打labour工的人都在这个范围, OAS好象拿到顶也只有900多，你只住满10年，当然只有1/4, 不然的话, 出生在这和长住本地居民就太亏了. 交比你多的税还要拿和你一样的养老金. CPP要看你的公司，你干的长，拿的也多很多本地居民也主要靠他养老。这需要日积月累， 你3,40岁才移民过来，估计也拿不了多少。加拿大政府鬼精鬼精的。早算好了。所以这些只是保证一般化生活。如果你指望靠这养房，全球旅游，悠哉悠哉。那完了。其实这也公平。全球的养老金计划都是这样，包你不死，但别指望我养你好好的。 我周围的一些朋友父母的退休金都只有900多. 如果房子已经供完的话，应该还行。 但不富裕。和我国内父母的生活差不多。 国内现在退休工资也在1500-2000元. 但这的好处是空气好，环境好。 比较自由。 而且换算成人民币的话要爽多了。 楼主几岁了？ 现在已经考虑这种事情，看来快到65了吧!
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回复: 关于养老金和其他福利Old Age Security (OAS) Pension - Frequently Asked QuestionsImportant Information for Common-law PartnersAbout the Old Age Security pensionApplying for the Old Age Security pensionHow your benefits are calculatedReceiving your Old Age Security pensionFiling your income tax returnAppealing a decisionProtecting information about youOther public retirement benefitsMore informationAbout the Old Age Security pension 1. What is the Old Age Security pension?The Old Age Security pension is a monthly payment available to most Canadians aged 65 or older. You must apply to receive benefits. If you meet the eligibility requirements explained below, you may be entitled to receive the Old Age Security pension even if you are still working or have never worked.2. Who can receive the Old Age Security pension?We look at two things to determine if you can receive the Old Age Security pension: your age and your years of residence in Canada.If you fall into either of the categories below, you may be eligible to receive the Old Age Security pension.Category 1 - People living in CanadaYou are 65 or older.You live in Canada and are a Canadian citizen or a legal resident at the time your pension is approved.You lived in Canada for at least 10 years after reaching age 18.Category 2 - People living outside CanadaYou are 65 or older.You left the country and you were a Canadian citizen or a legal resident of Canada when you left.You lived in Canada for at least 20 years after reaching age 18.If you do not fall into either of these two categories, you may still qualify for a pension since Canada has social security agreements with many countries. If you have lived in one of these countries or contributed to its social security system, you may qualify for a pension from that country, from Canada or from both countries. For more information, contact us or see International Benefits.Applying for the Old Age Security pension 3. When should I apply?You should apply for the Old Age Security pension six months before you turn 65. Normally, you must apply on your own behalf. If you are applying for someone else, please contact us for more information.4. How do I apply?You can print an application kit from the HRDC Forms Web site you can call our office free of charge at 1 800 277-9914 or 1 800 255-4786 (TTY/TDD) to request that a kit be mailed to you.The kit contains detailed instructions to help you apply for the Old Age Security pension, including where to send the completed application form.5. What documents will I need to provide?Depending on your situation, you will have to provide up to two kinds of documents with your application:Birth or baptismal certificate - Normally, you have to prove that you are at least 65 years old by submitting a birth or baptismal certificate. You do not have to provide these certificates if you applied for a benefit under the Canada Pension Plan and sent one of these documents at that time. If you cannot obtain one of these certificates, contact us for information about other documents that may be acceptable.Citizenship or immigration documents - If you were not born in Canada, you must submit proof of your legal status in Canada such as citizenship or immigration documents. If you have not lived continuously in Canada since age 18, you must submit proof of all the dates you arrived in Canada and when you left. Usually, you can do this with a passport.The application kit contains more detailed information about these requirements.How your benefits are calculated 6. How is my Old Age Security benefit calculated?The Old Age Security pension is like a large pie divided into 40 equal portions. If you qualify for the "full pension," you are entitled to receive all 40 portions each month. If you qualify for a "partial pension," you will receive some, but not all, of the 40 portions each month. Whether you qualify for a full or partial pension depends on how long you've lived in Canada. See below for more details.Full PensionNormally, if you meet the conditions in either of the two categories below, you qualify for a full pension:Category 1 - You meet the one condition belowYou lived in Canada for at least 40 years after turning 18.Category 2 - You meet the three conditions belowYou were born on or before July 1, 1952.Between the time you turned 18 and July 1, 1977, you lived in Canada for some period of time.You lived in Canada for the 10 years immediately before your application was approved.If you have not lived in Canada for all of these last 10 years because you gave up residence here at some time, you may still qualify for a full pension if you meet both conditions below:You lived in Canada for the year immediately before your application was approved.Prior to these last 10 years, you lived in Canada after age 18 at least 3 times as long as the total of your absences during the last 10 years.Partial PensionIf you don't qualify for the full pension and you meet the conditions in either of the situations below, you may qualify for a partial pension. Once a partial pension is approved, the number of portions of the "pie" that you will receive can never be increased. You will, however, qualify for any cost-of-living increases.Consult the Old Age Security Payment Rates for current rate information.7. How much is a partial pension?For each complete year of residence in Canada after age 18, you earn 1 of the 40 portions available in the pension. In other words, if you lived in Canada for 10 years after age 18, you would qualify to receive 10 portions which is equal to one-quarter of the full pension.Receiving your Old Age Security pension 8. When will I begin receiving my Old Age Security pension?You must apply to receive your pension. Usually, your Old Age Security pension will begin either on the month after you have met the residence requirements or the month after your 65th birthday, whichever comes later.If you apply after age 65, you can receive a back payment to cover up to 11 months plus the month in which we receive your application. For example, if you apply for the pension when you turn 66, you would receive a back payment for 12 months of benefits. The back payment is calculated from the month that we receive your application.9. When do payments arrive?Payments usually arrive in the last three banking days of each month. You can consult the exact payment dates on this Web site. If your payment is more than a week late, or if you lose your payment, please contact us.10. Can you send the payment to my bank?Yes. Normally, we deposit your pension payment directly into your bank account either in Canada or the United States through our Direct Deposit service. Although payment by cheque is possible, Direct Deposit offers several advantages:Your deposit will always be on time and you can start using the money and earning interest immediately.Your payment can never be lost, stolen or damaged.Your pension will automatically be deposited into your account if you are ill, on vacation or travelling.Contact us to learn more about this free service. If you wish to sign up for the service, you can do so over the telephone. Be sure to have this information when you call:Personal Informationyour Social Insurance Number;your telephone number, including area code; andyour current residential address, including the postal code.Banking Informationthe name of your bank or financial institution;the branch number of the bank; andyour bank account numberIf you have a chequing account, you can find the banking information on your cheque.11. What happens if I move?If you are planning to move, you must contact us to tell us your new address and postal code as soon as possible. This will allow us to update our records and make sure that your payment gets to you on time. Even if your payments are deposited directly into your bank account, we still need to know your new address so we can send you important information and your yearly income tax slip.12. Can I receive my pension outside Canada?Usually, we can send you your payment outside the country for as long as you want if:You lived in Canada for at least 20 years after reaching age 18; orYou lived or worked in a country that has a social security agreement with Canada and are considered to meet the 20-year residence requirement.If you do not fall into either of the above categories, we can only send your payments outside Canada for the month that you leave, and for six months after that. For example, if you left Canada in January, we would send payments until the end of July. After July, the payments would stop. If you plan to be absent from Canada for more than six months, you must call us well before you leave. If you return to live in Canada, contact us on your return and we will start your payments again from the month of your return. Whether you are living in Canada or abroad, all payments are in Canadian dollars.If you return to live in Canada, contact us on your return and we will start your payments again from the month of your return. Most recipients will receive their cheque in the local currency of their country of residence.13. Will I get cost-of-living increases?We will increase your pension payments to reflect any increases in the cost of living as measured by the Consumer Price Index. We make any necessary adjustments every three months-in January, April, July, and October.The Old Age Security pension will not go down if the cost of living falls.Consult the Old Age Security Payment Rates for current rate information.14. Will my pension ever stop?If you have not lived in Canada for at least 20 years after turning 18, we will stop your pension if you are out of the country for more than six months. We will also stop the pension when you die but it is important that you instruct someone to notify us.Filing your income tax return 15. Is my Old Age Security pension taxable?Like most other retirement income, your basic Old Age Security pension is taxable income. Pensioners who earn individual net income of $62,144 or more as of 2006 (including the Old Age Security pension) have to repay part of their pension benefits (see The Repayment of Old Age Security Pension Benefits (Deductions for higher-income seniors)). These repayments are normally deducted each month from your pension payment.If you live outside of Canada, you may be subject to non-resident tax (see The Old Age Security Recovery Tax).16. How do I pay the income tax on my pension?You can pay income tax in three different ways:Each month. If you wish, we can deduct income tax from your monthly pension.Four times a year. You may be required by law to pay your income tax in quarterly instalments.Yearly. Many Canadians determine how much tax they owe when they file their annual tax return and pay their income tax at that time.Contact us for more information or contact your local Canada Revenue Agency (CRA) tax services office.17. How do I include pension information in my tax return?Each January, you will receive an OAS tax slip that will show the amount of Old Age Security pension you received during the previous year. The amount will reflect your regular benefits, any back payments you received during the year and any taxes you have had deducted. You should use the information on your OAS tax slip to prepare your tax return and submit a copy of the slip with your return.Appealing a decision 18. What can I do if I do not agree with a decision affecting my Old Age Security pension?If you disagree with a decision that affects your pension, you have the right to an explanation. Call us first and we can explain the reasons for our decision. If you are not satisfied with our response, you may request a "reconsideration." To do this, you must send a letter to the Regional Director of Income Security Programs within 90 days of receiving notice of our decision. Please refer to Regional Offices for the correct mailing address. In your letter, provide the Regional Director with:your name;your address;your Social Insurance Number; andyour reason(s) for making the appeal.If you are not satisfied with the Regional Director's response, you can appeal the decision to the Office of the Commissioner of Review Tribunals.Consult our fact sheet on The Old Age Security Appeals Process for more information.Protecting information about you 19. How is information about me protected?Your privacy is protected by two Acts.The Old Age Security Act and Regulations ensure that only specific agencies authorized by the Minister of Human Resources Development Canada are entitled to review relevant parts of your records. Personal information in your file cannot be given to other agencies or individuals without your consent.The Access to Information Act also prevents the release of information about you without your consent. However, there are two exceptions: information can be released if it has already been made public or if the release is allowed under the Privacy Act. The government can only use information for the purpose for which it was collected, except to comply with a warrant or subpoena, or to enforce a law.20. Can I have access to information on my file?You have the right to review information about you that is kept on file by the Government of Canada. To help citizens get access to information about themselves, the Government has published Info Source: Sources of federal government information. To make a request, you must complete an information request form. These forms and Info Source are available in government offices open to the public, such as a Human Resources Development Canada office. They are also available at public libraries, most rural post offices and in Canadian missions abroad.Other public retirement benefits 21. What other benefits may I or my spouse or common-law partner be entitled to receive?In addition to the basic OAS pension, low-income seniors may qualify for other retirement benefits such as the Guaranteed Income Supplement, the Allowance which includes the Allowance for the survivor.If you made at least one valid contribution to either the Canada Pension Plan or the Quebec Pension Plan, you will be eligible for a retirement pension at age 65. If you have retired or substantially reduced your hours of work, you could qualify for a reduced retirement pension as early as age 60.Disability benefits and survivor benefits are also available under the Canada Pension Plan and the Quebec Pension Plan
if sufficient contributions have been made. You must apply to receive any of these benefits.For more information on the Quebec Pension Plan, visit the Web site of the Régie des rentes du Québec. You may be entitled to benefits under the Employment Insurance Program or from other federal programs such as War Veterans Allowances from Veterans Affairs Canada.Your provincial or territorial, and municipal governments may offer income assistance and services to seniors such as housing or health coverage (see Provincial and territorial governments). Please contact these governments directly for more information.For more information on federal, provincial and territorial programs for seniors, visit the Canadian Seniors Policies and Programs Database Web site.22. How do I request a review of my Old Age Security account to ensure I am receiving my full benefit entitlement?The Government of Canada wants to ensure that you receive all of the benefits to which you are entitled. We take great care in reviewing applications so that the payments we make to you are accurate. We also routinely check client accounts to ensure continued accuracy.If you think that we may have made a mistake on your account, or that you may not have applied for a benefit to which you are entitled, please Contact Us. We will be glad to review your file either by mail, or over the phone with you. If you send us a request by mail, please be sure to include your name, mailing address, telephone number, and your Social Insurance Number.This service is provided free of charge.More Information For more information about the Old Age Security Program and the Canada Pension Plan, please contact us at the telephone numbers below. The calls, which are free of charge, can be made anywhere from Canada and the United States.For service in English: 1 800 277-9914For service in French: 1 800 277-9915If you are hearing or speech-impaired and use a telecommunications device for the deaf (TDD), please call 1 800 255-4786.Please have your Social Insurance Number on hand when you call.Note: This web page provides an overview of the Old Age Security Program and its supplements, the Guaranteed Income Supplement, Allowance and Allowance for the survivor. It is intended to give a general description of how the program works, who is eligible and how benefits are determined. It is not possible, in this space, to provide a comprehensive description of all the details of the complex legislation governing this program. In case of disputes, the wording and provisions of the Old Age Security Act and Regulations prevail. Old Age Security (OAS) Payment Rates October - December 2007The following chart shows the maximum and average monthly rates for Old Age Security (OAS), Guaranteed Income Supplement and the Allowance, as well as the maximum annual income to be eligible for these benefits.For detailed monthly rates, please refer to the Tables of Rates for Old Age Security, Guaranteed Income Supplement and the Allowance.Old Age Security benefit rates are reviewed in January, April, July and October to reflect increases in the cost of living as measured by the Consumer Price Index.The term "spouse" includes a common-law partner.Pensioners are not eligible for benefits if their income, or the combined income of them and their spouse, is more than the maximum income shown on the chart.The Allowance stops being paid at $28,176 while the GIS stops being paid at $36,528.Old Age Security Benefit Payment RatesOctober - December 2007Type ofBenefitRecipientAverage monthly benefit(July 2007)Maximum MonthlyBenefitMaximumAnnualIncomeOld AgeSecurity PensionAll recipients$472.12$502.31See noteGuaranteedIncomeSupplementSingle person$429.32$634.02$15,240 Spouse of pensioner$267.07$418.69$20,112Spouse of non-pensioner$415.89$634.02$36,528Spouse of Allowance recipient$348.58$418.69$36,528AllowanceAll recipients$363.07$921.00$28,176Allowance for the survivorAll recipients$555.63$1,020.91$20,520Note - Pensioners with an individual net income above $63,511 must repay part or all of the maximum Old Age Security pension amount. The repayment amounts are normally deducted from their monthly payments before they are issued. The full OAS pension is eliminated when a pensioner's net income is $103,191 or above.return to tableMore information:Detailed rates: Tables of Rates for Old Age Security, Guaranteed Income Supplement and the AllowanceCanada Pension Plan Payment RatesISP Information Card - Old Age Security and Canada Pension PlanPayment datesOld Age Security Rates and the Consumer Price IndexOAS Main Menu评论
回复: 关于养老金和其他福利很详细，估计能把楼主看晕。
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回复: 关于养老金和其他福利我还听说住够10年，如果领钱的时候不在加生活了，也不能领。不知有没有这回事
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回复: 关于养老金和其他福利加拿大的养老福利由3部分组成的：1。是政府提供的.OAS (就是你提到的要住满10年才有资格享受，住满40年全额，当然10年就1/4了）GIS (低收入的额外补助）CPP (其实象国内的养老金，雇主，雇员分别缴一部分, 国家统筹） 2。公司提供的。有各种RPP,GRSP计划，（有点象国内公司的补助养老金), 而且每个公司的福利会有很大差别。 3。个人计划。常见的就是RRSP, 或 non-register investment.点击展开...对于中低收入的来说，2、3就不必买了吧，因为拿了2、3，OAS和GIS会受到很到的影响。2、3也没有十年一说，说白了，也就是自己的个人养老储蓄。个人为自己养老存的越多，政府给你的养老金越少（甚至会少到0） CPP 相当于退休金，如果在加拿大工作满若干年，退休每年可以拿你相同于平均年薪的1/4，目前最多不会超过9000/年
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http://www.canadameet.com回复: 关于养老金和其他福利住20年，你都85岁了，你要想想你有命领吗? 加拿大平均寿命才80.
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回复: 关于养老金和其他福利本地的老头老太太退休后，都去其他暖和点的地方过日子。钱多点的就去美国住，钱少点的就去南美住。为什么楼主会考虑退休来加拿大住呢？
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回复: 关于养老金和其他福利我上次说过,男人太年轻的来这里没意思.如果44岁左右来这里发挥一下余热----能找到一份专业工作,找点满足感;没找到专业工作的;就当老来锻炼身体.顺便呆上20年.这辈子也算没白活.呵呵点击展开...说到我心坎上去了.
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