加拿大老人福利政策原文解析（ZT）

吉米

联邦养老金Old Age Security Pension（OAS）

凡年龄在65岁或以上的加拿大人，只要在居住方面的某些条件符合，就可按月得到一份联邦养老金。

金额多少则视申请人居住加拿大的年期而定。十八岁以后，在加拿大至少住满十年，可以领取部份养老金。十八岁以后，在加拿大必须住足二十年，才可以人在海外而仍得领取养老金。养老金必须办申请手续，且须付税。该项2001年全额为$440。

是按需分配的，专为低收入者享用。Old Age Security 的领取资格是在加拿大住满十年。现在大家的父母们领取的就是这个钱。一双父母每月可以有１５００加币，简单生活足够了。Old Age Security 只有人在加拿大才有。但是，如果你已经住满了２０年，即使你不在加拿大也可以领取。也就是说，到时候你决定回国定居，仍然可以领取加拿大的老人金。Old Age Security 的性质是对于低收入者的补贴，随着收入的增加而减少。根据目前的标准，年收入（既其它所有收入加起来，折合成年收入）在１３０００以下享受全额，到收入７万就彻底没有了。
65岁和住满10年必须两者满足，可以提前一年申请


具体原文如下：

*The first level: Old Age Security

Old Age Security is Canadas largest public pension program. It provides a modest monthly pension to most people, starting at the age of 65.

The Guaranteed Income Supplement (GIS) is an additional monthly benefit for low-income OAS pensioners.

The Allowance provides a monthly benefit to low-income people between the ages of 60 and 64. It is available to the spouses or common-law partners of OAS pensioners and survivors to help bridge the gap until they become entitled to receive OAS at 65.

If you wish to receive the basic OAS pension outside Canada, you must have lived here for at least 20 years after your 18th birthday. The Guaranteed Income Supplement and the Allowance are only for seniors who live in Canada. They stop if you leave Canada for more than six months. If you return to Canada you must reapply.

Have you lived or worked outside Canada? Canada has international social security agreements with many countries that could help you meet the OAS residence requirements or get other social security benefits from either country. If you did not live or work long enough in one country to qualify for benefits there, the time you spent in that country may still be considered when determining your eligibility to receive benefits from either country.

The amount of OAS you receive depends on the number of years you live in Canada after you turn 18. Generally, you receive a full pension if you live in Canada for at least 40 years after 18. If you live here for less time, you may qualify for a partial pension. With a partial pension, youll receive 1/40th of the full pension for each complete year you live in Canada after you turn 18.

链接: http://www.hrdc-drhc.gc.ca/isp/ris/oas_e.shtml#oas3

加拿大退休金计划 Canada Pension Plan (CPP)

加拿大退休金计划（CPP）则为曾在加拿大工作并支付CPP供款的退休人士提供补助。CPP给付额按申请人受雇期间所缴付的供款数目而定。合资格者可在六十岁便开始申领这项退休金。CPP每年均按生活成本指数调升一次。视情况而定，CPP领取者身故后，其配偶将可继续支林遗属退休金。

也就是说，是你工作时挣的，与工作的年头多少，工作年头早晚，和工资数挂钩的。这个钱不是很多，大概一个月不会超过１０００。实际上，因为大部分移民来得（较坐地户）晚，开始贡献的时间晚，加上刚开始工作可能工资又不是很高，能够领到的在５００／月左右。这个钱是自己挣的，无论走到那里都有资格领取。

*The second level: Canada Pension Plan

The Canada Pension Plan pays a monthly retirement pension to people who have worked and contributed to the CPP.

The CPP also acts as an insurance plan, providing disability and survivor benefits for those who qualify. It provides a monthly income to you and your dependent children if you become severely disabled during your working years. It also provides a monthly income to your surviving spouse or common-law partner and dependent children if you die. A lump-sum death benefit is available to your estate when you die.

Your CPP contributions are based on earnings between a minimum and maximum amount. For example, in 2001, you pay contributions only on earnings between $3,500 and $38,300. CPP contributions are tax-deductible.

Your employer deducts your contributions from your pay and makes an equal contribution. If you are self-employed, you act as both employee and employer and pay both portions.

The Canada Customs and Revenue Agency (CCRA) collects contributions on behalf of CPP. CPP funds are kept separate from general tax revenues. They are used only to pay benefits, cover administrative costs and make investments.

You qualify by working in Canada Generally, all workers in Canada over the age of 18 pay into the CPP (or the QPP) and
qualify for benefits.

In general, your retirement pension replaces about 25 percent of the earnings on which you paid into the CPP. The exact amount depends on how much and for how long you contribute. The age at which you decide to take your pension also affects the amount you receive each month.

In 2001, the maximum CPP retirement pension is $775 per month if taken at the age of 65.

链接: http://www.hrdc-drhc.gc.ca/isp/ris/cpp_e.shtml#cpp1

海阔天空

不是不合理.

FCH

好贴，谢谢吉米！

bluecan

吉米这两天在研究养老问题了。顶一下！

海阔天空

很多人关心的问题.

Catherineshen

Post by 海阔天空
很多人关心的问题.

早点搞明白了早点好确定方向，今后的日子到底怎么混


这里的养老金什么的还是挺诱人的，不过如果光是这里的公民--拿了护照的，但不住满10年，如只住3-4年的话，好象不能享受养老金，福利，更别谈退休金了