如果你有公司的退休金计划(Public Pension Plan),那你退休后会有一定的固定收入,多少就看你工资,工龄,年龄,全额还是早退等等;如果你没有公司的退休金计划,那你一定会买注册退休资金的(RRSP)。
以上的退休收入都是因人而异,因为不同的工作所致,以后有机会慢慢谈,今天就谈谈政府能够给的收入如下:
1.CPP(Canada Pension Plan)退休金
必须要申请!
•至少要过59生日一个月;
•在加拿大工作并交付过CPP;
•申请到有效发钱需要12个月。
•2016年最大数额-$1,092.50
2.OAS(Old Age Security ) 老年金
就2016年来说,65岁才能拿,也许以后要推迟到67岁?
•数目取决于加拿大居住年头。
•没有税收.
•净收入超 $119,398就一点也拿不到。就2016年来说收入低于$73,756 可拿全额,在$73,756 和 $119,398之间有资格拿部分。
• 2016年最大数额-$546.07。
3.GIS(Guaranteed Income Supplement )
如果你有资格拿到OAS,你才有可能拿到GIS。具体要求比较繁琐而且每个季度在变,主要是给低收入的退休人群。
4.Allowance
•年龄在60-64岁,加国合法居民(10年以上);
•配偶有资格领取(OAS) 和 (GIS);
•你和配偶共同收入少于规定的数目(http://www.esdc.gc.ca/en/cpp/oas/payments.page);
•2015年最大数额-$1,072.74;
以上都是每月付给合格的退休人群,需要申请;如果收入超过 $73,756 要吐出来。所以这个数目是Magic#, 一定不要超过啊。
•The beneficiary’s net income above which you must repay part or all of the Old Age Security pension ($73,756 in 2016) varies each year to take into account the increase in the cost of living. All the other amounts are revised every three months to take into account the increase in the cost of living. Please note that the increase can be nil.
minimum income in retirement, subject to certain conditions.
Benefits from the federal Old Age Security program
Benefit type
Maximum monthly amount (April to June 2016)
Maximum annual income
Old Age Security pension $ 570,52 See details *
Guaranteed Income Supplement
Single person $ 773.60 $ 17,304
Spouse of a non-pensioner $ 773,60 $ 41,472
Spouse of a pensioner $ 512.96 $ 22,848
Spouse of an Allowance recipient $ 512.96 $ 41,472
Allowance $ 1,083,48 $ 32,016
Allowance for the Survivor $ 1,213.00 $ 23,328