They are quite entitled to a CPP old-age pension, even without using the agreement. You are entitled to a small OAS pension under the contract. India-Canada, now have a social security agreement since August 2015. All of these agreements are based on the concept of shared responsibility. Responsibility-sharing agreements are reciprocal. Under each agreement, partner countries make concessions to their social security qualification rules so that those covered by the agreement have access to payments that they may not be eligible for. The responsibility for social security is thus distributed among the countries in which a person has lived during his or her working years and where the person is able to obtain potential rights. In general, it is possible to access a pension from one country in the second country, although the paying country retains some discretion with regard to the exchange and delivery mechanisms used. Hello Mark – I`m not going to pretend to be an expert on the Canada-U.K. deal, but I understand that it can`t be used to qualify for the benefits of the OAS as most other agreements allow. This means that you must have 20 full years in Canada to qualify for the 20/40ths OAS (about $300 per month from age 65).
My name is Rolando Cruz, I found your name on the DRpensions website and I would just like to consult my mother`s application for her old age insurance. I sponsored my mother and she emigrated here to Canada in March 2004. During her 10-year stay here in Canada, she moved to the Philippines three times (2005, 2007- 2010) and spent more than a year there. If I added everyone, she spent about 5.8 years here in Canada and 4.2 years in the Philippines, but she kept Canada as her primary residence. She filed her OAS pension application here in Canada last year (September 2014th), we received a response that they forwarded their application to the international department and then they sent another letter after 1 year, that she is not completing the 10-year stay, so she did not grant her the OAS pension when we filed her application, the basis we considered was the fact that she has both lived here in Canada and the Philippines for the last 10 years. The fact that they said “live or works,” which means that if she lived in both countries, but that she wasn`t necessarily working, they would have been qualified for at least a partial pension, I think you have more expert on this, that`s why I received this letter in the hope that I get the right answer, I get the right response from a country (India) that does not have a social security agreement with Canada. If it affects my OAS and GIS rights if you meet these minimum contribution requirements, it is generally not difficult to have lived in Canada all your life.