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  Canada Immigration Forum > About Canada > Accounting and Taxation > Question about application for guarnantee suppliment income for parents
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Question about application for guarnantee suppliment income for parents




MITRON
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Member since: Sep 17




Posts: 236
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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 doesnt 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 youve lived your entire life in Canada. It is much more difficult if youve 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.


 
Post ID: 238870 22-11-19 01:17:10
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MITRON
Senior Desi
Member since: Sep 17




Posts: 236
Location:


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.


---------


India - Pensions and benefits
Indias' National Flag
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 Canadas 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


 
Post ID: 238871 22-11-19 23:37:21
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RBO
Senior Desi
Member since: Aug 06




Posts: 1759
Location: Mississauaga


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.






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


 
Post ID: 238873 25-11-19 13:26:48
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Full House
Senior Desi
Member since: Oct 12




Posts: 2554
Location:

Pension System in INDIA. Pl. Read and get to know.



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

--
Quote:
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.






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





 
Post ID: 238876 26-11-19 16:48:21
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RBO
Senior Desi
Member since: Aug 06




Posts: 1759
Location: Mississauaga


Quote:
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

--
Quote:
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.






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




Thank you FH for valuable information, that means if I am not mistaking then my parents are eligible for pension plan for India...correct? My father had a small shop and my mother was a housewife and never worked.

Thank you



 
Post ID: 238877 27-11-19 10:03:12
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RBO
Senior Desi
Member since: Aug 06




Posts: 1759
Location: Mississauaga


Just curios, How many people in India know about this scheme?? Most of the elderly peoples in India doesn't have any computer access to get information or to apply..

 
Post ID: 238878 27-11-19 11:16:56
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MITRON
Senior Desi
Member since: Sep 17




Posts: 236
Location:


Sponsored immigrants they won't get GIS till they finish 10 yeats.

But OAS they will get. But it won't be much. If you deay getting OAS till 70, you can get more OAS per month.

So see all the permutations & combinations regarding OAS, GIS, age, income, India, Canada etc.

--++++------

https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/guaranteed-income-supplement/eligibility.html

Sponsored immigrants:

If you are a sponsored immigrant and you have resided in Canada less than 10 years after age 18, you are not eligible to receive an OAS income-tested benefit (the GIS, the Allowance or the Allowance for the Survivor) during your sponsorship period unless your sponsor:

suffers personal bankruptcy;
is imprisoned for more than six months;
is convicted of abusing you; or
dies.


Non-sponsored immigrants:

If you are a non-sponsored immigrant, you may be eligible to receive the GIS based on the number of years you have resided in Canada after age 18.

If you have lived in Canada for fewer than 10 years since you turned 18, but you have lived or worked in a country that has a social security agreement with Canada, you may be eligible for a partial benefit. Your GIS entitlement will gradually increase with every year that you continue to reside in Canada until you have reached 10 years of residence. For more information, see Lived or living outside Canada


 
Post ID: 238879 27-11-19 13:27:36
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MITRON
Senior Desi
Member since: Sep 17




Posts: 236
Location:


Quote:
Originally posted by RBO

Just curios, How many people in India know about this scheme?? Most of the elderly peoples in India doesn't have any computer access to get information or to apply..



That's where the educated and internet savvy children and grandchildren come in. They should be helping their older senior parents with pensions, medical, healthcare etc.

But most of them don't care and senior and elder abuse takes place.
They are only interested in their property, money and inheritance and waiting for it.


 
Post ID: 238880 27-11-19 13:33:07
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Full House
Senior Desi
Member since: Oct 12




Posts: 2554
Location:



xxx
Thank you FH for valuable information, that means if I am not mistaking then my parents are eligible for pension plan for India...correct? My father had a small shop and my mother was a housewife and never worked.

Thank you

xxx

"RBO" You are here in Canada. Your Parents are now herewith you. Being in an affluent country and you being very knowledgeable you are able to find out what you can do to help your Parents and improve upon their life style. You having been on this website and being able to meet with a lot of researchers and get to know the best there is and the best there will be, you are a winner. That puts you in the top 10. Some of the newer things that you come to know are there and have been known to a few there in India.

But we living here in Canada are able to interpolate and help you derive all the benefits that your Parents can derive out of all of this treaties and agreements and get the best out of all of this information that we have at our finger tips and get you into a comfortable zone to get started. AND that is not all.

We in Canada also consider a family should stay ABOVE the POVERTY LEVEL and for doing this, they provide Subsidized housing and all of the other subsidies to go with it. So, please don't stop there. There are people who run the SOCIAL SERVICES and they will delve deeper into it and get a few more benefits for them to get by here after they come back and look for a place to live.

So, get started on this right now and be on top of it. That will help them even better.

Good Luck.

FH.


 
Post ID: 238883 02-12-19 16:00:50
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Contributors:
Full House(3)  fuwsdscx(1)  MITRON(8)  RBO(7)  
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