加拿大6個月規定 導致您無法領取養老金

加拿大養老金警告：6個月規定可能導致您無法領取養老金！

加拿大紀事 2025年10月9日
https://www.youtube.com/watch?v=66vnrte-zoc

您是否計劃在國外退休，享受陽光下的夢想生活？
在您預訂單程機票之前，您需要聽聽這個消息。加拿大政府製定了嚴格的規定，如果您在海外居住六個月，養老金和福利就可能被削減——每年都有成千上萬的老年人措手不及。

在本視頻中，我們將詳細介紹您需要了解的有關加拿大養老金計劃 (CPP)、老年保障金 (OAS) 和保證收入補助金 (GIS) 的所有信息，以及如果您在加拿大境外居住時間過長，一項聯邦規定可能會如何導致您的養老金無法領取。

我們將為您講解：

終止或暫停您在海外福利的六個月規則
當您居住在加拿大境外時，您的老年保障金 (OAS) 和退休保障金 (GIS) 會如何處理
加拿大養老金計劃 (CPP) 如何在全球範圍內保持可攜性
2025 年加拿大海外退休人員稅收真相
保護退休收入並避免代價高昂的錯誤的明智策略

敬請期待，我們將揭曉“加拿大人用來保留福利的居留技巧”。這些內幕貼士可以幫助您合法地維持您的身份，減少預扣稅，並在 2025 年充分利用您的退休計劃。

如果您年過 50，正在考慮退休旅行、提前退休或未來幾年的財務規劃，這段視頻將幫助您在移居海外之前做出明智的決定。不要失去您已賺取的財富——學習如何無論您在何處退休，都能保障您的加拿大養老金安全。
<<<<<<<<<<<<<>>>>>>>>>>>>
在海外退休。加拿大將在 6 個月後削減您的
福利。歡迎回到
《加拿大紀事報》。今天，我們將揭露
一個讓成千上萬加拿大人措手不及的退休陷阱。想象一下，你努力工作了一輩子，終於
搬到了一個陽光明媚、生活成本低廉的地方，
卻發現在國外短短六個月後，加拿大就開始削減你的福利。你的保證收入補助金消失了，你的老年保障金
被削減或征稅，你的醫療保險
也可能完全消失。在本視頻中，我們將揭秘
在加拿大境外退休後會發生什麽的真正規則，並揭示
在為時已晚之前，你可以做些什麽來保護你的收入。請持續關注視頻，
因為我們還將分享加拿大人用來保住福利的
居留技巧。這套必知的
策略可以為你節省數千美元，
並確保你的退休生活
無論你住在哪裏，
都有保障。如果你
還沒有訂閱，請務必訂閱並打開通知，這樣你就不會錯過
影響國內外加拿大人的重要更新。讓我們
開始吧。最先取消的保障性收入補助金（GIS）。一旦您移居海外，保障性收入補助金（GIS）將首先失效。它支持居住在加拿大的低收入老年人。但如果您離開加拿大超過六個月，您的
收入將停止。沒有例外。即使您擁有加拿大銀行賬戶、報稅或偶爾訪問加拿大，GIS 也與實際居住地而非公民身份掛鉤。以來自溫哥華的 71 歲退休人員 Gan 為例。她同時領取加拿大養老金計劃和 GIS。移居墨西哥後，由於在加拿大境外居住超過六個月，GIS 停止了。直到她搬回墨西哥並重新獲得居住權後，GIS 才重新開始發放。如果 GIS 是您收入的一部分，那麽永久移居海外意味著完全失去這項福利。哪些福利可能會被暫停或減少？老年保障金。老年保障金（OAS）的運作方式有所不同。它可以在國外繼續領取，但前提是您符合特定條件。
以下是截至2025年10月的規定。
如果您在18歲後在加拿大居住了20年或以上，
則可以在任何地方繼續領取OAS。如果您在加拿大居住的時間少於20年，
OAS將在海外居住6個月後停止。如果您的新國家/地區與加拿大簽訂了社會保障協議，
那麽您在加拿大居住的年數可能會計入這20年的要求。
例如，Pedro在退休前往西班牙之前在加拿大居住了30年。
他符合資格。因此，他的OAS將繼續有效，但
Linda在退休前往泰國之前隻在加拿大居住了15年，
因此不符合資格，她的OAS將在6個月後停止發放。即使在海外，OAS也需要納稅。加拿大稅務局
默認預扣25%的稅款，但如果您居住在簽訂了稅收協定的國家/地區，
則可以降低或免除該稅率。在美國的加拿大人
通常無需為老年保障金 (OAS) 繳稅，而
在德國的加拿大人則可能需要繳納 15% 的稅款。為了降低
預扣稅，退休人員可以
提交 R5 表格。在國外支付的老年保障金 (OAS)
將申報在 NR4 稅單上，您必須
繼續提交加拿大納稅申報表才能
保持付款有效。唯一可轉移的福利是加拿大養老金計劃 (CPP)。
加拿大養老金計劃 (CPP) 是最
可轉移的福利。它基於您的
終身供款，而不是您的居住地。無論您在
葡萄牙、哥斯達黎加還是菲律賓退休，您的 CPP 都將繼續有效，金額保持不變。
但是，向非居民支付的 CPP 麵臨 25% 的% 的稅率，除非有條約降低稅率。
提交 NR5 表格可以
降低稅率。如果您的新國家與加拿大簽訂了社會保障協議，
該協議可以保護您的供款，
並防止您同時繳納兩個係統。
您可以通過以下方式領取加拿大退休金 (CPP)：
在加拿大直接存款、以您的貨幣存入
當地的外國銀行，或
以加元支票領取。
一旦您獲得 CPP，它就會跟隨您，
無論您身在何處。
在國外退休的稅務方麵。離開加拿大會改變
您的納稅方式。加拿大稅務局會根據您與加拿大的聯係，
將您分為實際居民、視同居民或
非居民。非居民需要就加拿大收入（例如老年保障金 (OAS)、CPP 或
私人養老金）繳納預扣稅。
標準稅率為
25%，但與 90 多個國家簽訂的條約可以降低稅率。
您每年都會收到
NR4 單據，其中匯總了
付款情況。非加拿大居民無需申報，除非他們想要退稅或
擁有其他加拿大收入。如果您仍然
在加拿大擁有房產、銀行賬戶或
有配偶，則可能被視為
實際居民，這意味著您必須申報全球收入。
為了明確您的身份，請在永久離開之前
提交 NR73 表格。醫療保健
缺口。省級醫療保健是
另一個主要問題。大多數省份
要求您每年實際居住
5 至 7 個月才能維持
保險。安大略省的 OHIP 允許在省外居住最多
212 天，而
不列顛哥倫比亞省的 MSP 則要求每年至少居住
6 個月。一旦您
超過這些限製，您的保險就會終止，
您將需要海外私人保險。即使您的養老金繼續發放，
如果沒有保障，海外的醫療保健費用也可能是毀滅性的。
這是加拿大人在移居海外時常犯的錯誤。許多退休人員以為，一旦他們獲得老年保障金 (OAS) 和移民保障金 (GIS) 的批準，
錢就會源源不斷地到賬。其實不然。報稅也不能讓你的福利
保持有效。以下是一些最常見的錯誤，需要避免。第一，忽視
終止移民保障金 (GIS) 的六個月規則，並可能
暫停老年保障金 (OAS)。第二，沒有核實你的目的地是否與加拿大簽訂了條約。第三，沒有向加拿大稅務局 (CRA) 或加拿大服務部 (Service Canada) 申報你的離境。第四，低估了海外的醫療保健費用。第五，完全依賴移民保障金 (GIS) 來獲得長期收入。離開加拿大前，你可以做些什麽？提前做好準備，避免意外。直接與加拿大服務部 (Service Canada) 確認你的居住年限。如果可能，等到你在加拿大居住滿20年後再永久離開。選擇一個與加拿大簽訂了稅收或社會保障條約的國家，以保障你的福利。盡早提交NR5表格以減少預扣稅。如果您想保留加拿大居留權，請通過房產、賬戶或家人與加拿大保持聯係。每年審查醫療保健，並在需要時購買私人保險。感謝您一直關注我們。我們感謝您抽出時間，並希望這些信息對您有所幫助。加拿大人會利用這些居留權技巧來保留他們的福利。一些退休人員找到了一些巧妙的合法途徑，在國外生活期間也能保留加拿大福利。
其一，雪鳥策略。許多人在海外過冬，但在國外六個月前就回國了。保持在這個期限以下，可以保持GIS資格和省級醫療保險。登機牌或報稅表等實際居住證明至關重要。其二，保持牢固的聯係。擁有房屋、繳納房產稅和維護加拿大賬戶可以幫助您在稅務方麵保持事實居民的身份。這有助於OAS和稅務，盡管GIS仍然要求在加拿大居住。三、
利用社會保障協議。超過
50 個國家與加拿大簽訂了社會保障協議。
如果您曾在其中一個國家生活或工作過，這段時間可能計入您 20 年的老年保障金 (OAS) 要求。
葡萄牙、意大利和
菲律賓等國家都包括在內。四、
返回重新設立的居住地。
如果您的福利停止，您可以返回，
重新設立居住地，然後重新申請。一旦
加拿大服務部確認您的申報，
就可以恢複福利金的發放。五、降低
福利稅。在條約國的退休人員通常會提交 NR5 表格以降低
或免除預扣稅。例如，在美國的加拿大人通常
無需繳納老年保障金 (OAS) 或加拿大退休金計劃 (CPP)。這些方法
在法律允許的範圍內有效。加拿大服務部
會監控旅行模式，因此，
僅僅為了重新設定時間而進行的短暫訪問可能不計算在內。然而，妥善規劃的居留和
合法的聯係可以保留您的福利。
保護您的退休收入。了解了所有這些風險之後，目標就很簡單了。
保住你的收入。方法如下：
離開前，核實你的福利資格。
仔細記錄你在國外的居住天數。
如果你的居住時間接近20年，請推遲搬家。
策略性地選擇你的目的地。
像在國外沒有保險一樣規劃你的醫療保健。
隨著稅收和條約規則的變化，每年重新評估。
在國外退休可能很有意義，但需要規劃。
六個月規則並非小事。
它決定了你的收入是
持續還是停止。在打包行李之前了解這些事實，
可以為你節省數千美元的
福利和稅收損失。以及醫療費用。今天《加拿大紀事報》的節目就到這裏。
在國外退休可以夢想成真，但這需要一定的意識和準備。六個月規則可以成就或毀掉你的財務穩定。
通過了解保證收入補助金、老年保障金和加拿大養老金計劃的真正運作方式，你可以保護你的收入。請記住，我們分享的居住權和稅收策略可以幫助你在享受你努力工作的生活的同時，保持安全。

Canada Pension WARNING: The 6-Month Rule That Could Stop Your Payments!

Canada Chronicles 2025年10月9日
https://www.youtube.com/watch?v=66vnrte-zoc 

Are you planning to retire abroad and live your dream life in the sun?
Before you book that one-way flight, you need to hear this. The Canadian government has strict rules that could CUT your pension and benefits after just six months overseas — and thousands of seniors are caught off guard every year.

In this video, we break down everything you need to know about the Canada Pension Plan (CPP), Old Age Security (OAS), and the Guaranteed Income Supplement (GIS) — and how one federal rule could stop your payments if you stay outside Canada too long.

We’ll explain:

The six-month rule that ends or suspends your benefits abroad
What happens to your OAS and GIS when you live outside Canada
How the Canada Pension Plan remains portable worldwide
The truth about Canadian taxes in 2025 for retirees abroad
Smart strategies to protect your retirement income and avoid costly mistakes

Stay tuned until the end, where we reveal “The Residency Hacks Canadians Use to Keep Their Benefits.” These insider tips can help you legally maintain your status, reduce withholding taxes, and make the most of your retirement planning in 2025.

If you’re over 50 and thinking about retirement travel, early retirement, or financial planning for the years ahead, this video will help you make informed decisions before moving abroad. Don’t lose what you’ve earned — learn how to keep your Canada pension secure no matter where you retire.
<<<<<<<<<<<<>>>>>>>>>>>>
Retire abroad. Canada will cut your
benefits after 6 months. Welcome back to
Canada Chronicles. Today, we're exposing
a retirement trap that's catching
thousands of Canadians by surprise.
Imagine working your whole life, finally
moving somewhere sunny and affordable,
only to discover that after six short
months abroad, Canada starts cutting
your benefits. Your guaranteed income
supplement disappears, your old age
security gets reduced or taxed, and your
health care coverage could vanish
altogether. In this video, we'll uncover
the real rules behind what happens when
you retire outside Canada and reveal
what you can do to protect your income
before it's too late. Stay tuned until
the end because we'll also share the
residency hacks Canadians use to keep
their benefits. A must know set of
strategies that could save you thousands
of dollars and keep your retirement
secure no matter where you live. If you
haven't already, make sure to subscribe
and turn on notifications so you never
miss important updates that affect
Canadians at home and abroad. Let's get
started. The first to disappear
guaranteed income supplement. The
Guaranteed Income Supplement or GIS is
the first benefit to go once you move
abroad. It supports low-income seniors
who live in Canada. But if you leave for
more than six consecutive months, your
payments stop. No exceptions. Even if
you keep a Canadian bank account, file
taxes, or visit occasionally, GIS is
tied to physical residence, not
citizenship. Take Gan, a 71-year-old
retiree from Vancouver. She was
receiving both the Canada Pension Plan
and GIS. After moving to Mexico, her GIS
stopped because she had been outside
Canada for over 6 months. Her payments
only restarted after she moved back and
reestablished residency. If GIS is part
of your income, moving abroad
permanently means losing that benefit
entirely. What might be suspended or
reduced? Old age security. The old age
security pension or OAS works
differently. It can continue abroad, but
only if you meet specific conditions.
Here are the rules as of October 2025.
If you've lived in Canada for 20 years
or more after age 18, you can keep
receiving OAS anywhere. If you've lived
here for less than 20 years, OAS stops
after 6 months abroad. If your new
country has a social security agreement
with Canada, your years there may count
toward that 20-year requirement. For
example, Pedro lived in Canada for 30
years before retiring to Spain. He
qualifies. So, his OAS continues, but
Linda, who lived here only 15 years
before retiring to Thailand, doesn't
meet the threshold, and her payments
stop after 6 months. OAS is taxable even
overseas. The Canada Revenue Agency
withholds 25% by default, but that rate
can be reduced or waved if you live in a
country with a tax treaty. Canadians in
the US often pay no tax on OAS while
those in Germany may pay 15%. To lower
withholding at the source, retirees can
file form R5. OAS paid abroad is
reported on an NR4 slip and you must
continue filing a Canadian tax return to
keep payments active. The one benefit
that travels Canada Pension Plan. The
Canada Pension Plan or CPP is the most
portable benefit. It's based on your
lifetime contributions, not where you
live. Your CPP will continue whether you
retire in Portugal, Costa Rica, or the
Philippines, and the amount stays the
same. However, CPP payments to
non-residents face a 25% tax unless a
treaty reduces it. Filing form NR5 can
lower that rate. If your new country has
a social security agreement with Canada,
that deal can protect your contributions
and prevent you from paying into two
systems. You can receive CPP through
direct deposit in Canada, deposit in a
local foreign bank in your currency, or
by check in Canadian dollars. Once
you've earned CPP, it follows you
wherever you go. The tax side of
retiring abroad. Leaving Canada changes
how you're taxed. The Canada Revenue
Agency classifies you as a factual
resident, a deemed resident, or a
non-resident based on your ties to
Canada. Non-residents face withholding
tax on Canadian income like OAS, CPP, or
private pensions. The standard rate is
25%, but treaties with more than 90
countries can lower it. You'll receive
NR4 slips each year, summarizing
payments. Non-residents don't file
returns unless they want a refund or
have other Canadian income. If you still
own property, keep bank accounts, or
have a spouse in Canada, you may be
considered a factual resident, which
means you must report worldwide income.
To clarify your status, file form NR73
before leaving permanently. The healthc
care gap. Provincial health care is
another major concern. Most provinces
require you to be physically present for
5 to 7 months per year to maintain
coverage. Ontario's OHIP allows up to
212 days outside the province, while
British Columbia's MSP requires at least
6 months of residence annually. Once you
exceed those limits, your coverage ends
and you'll need private insurance
abroad. Even if your pensions continue,
health care bills overseas can be
devastating without protection. Common
mistakes Canadians make when moving
abroad. Many retirees assume once
they're approved for OAS and GIS, the
money will keep coming. It won't. Filing
taxes also doesn't keep your benefits
active. Here are the most common
mistakes to avoid. One, ignoring the
six-month rule that ends GIS and may
suspend OAS. Two, failing to check
whether your destination has a treaty
with Canada. Three, not declaring your
departure to the Canada Revenue Agency
or Service Canada. Four, underestimating
health care costs abroad. Five, relying
solely on GIS for long-term income. What
you can do before you leave. Avoid nasty
surprises by preparing ahead. Confirm
your residency years directly with
Service Canada. If possible, wait until
you've reached 20 years of Canadian
residency before leaving permanently.
Choose a country with a tax or social
security treaty to protect your
benefits. File Form NR5 early to reduce
tax withholding. Keep ties to Canada
through property, accounts, or family if
you want to maintain residency. Review
healthcare yearly and get private
insurance if needed. Thanks for staying
with us this far. We appreciate your
time and hope you're finding this
information valuable. The residency
hacks Canadians use to keep their
benefits. Some retirees have found
clever legal ways to maintain their
Canadian benefits while living abroad.
One, the snowbird strategy. Many spend
winters overseas but return before six
months abroad. Staying under that limit
keeps GIS eligibility and provincial
health coverage. Proof of physical
presence like boarding passes or tax
filings is essential. Two, maintaining
strong ties. Keeping a home, paying
property taxes, and maintaining Canadian
accounts can help you remain a factual
resident for tax purposes. This helps
with OAS and taxes, though GIS still
requires residence in Canada. Three,
using social security agreements. Over
50 countries have social security
agreements with Canada. If you've lived
or worked in one, the time may count
toward your 20-year OAS requirement.
Countries like Portugal, Italy, and the
Philippines are among them. Four,
returning to reestablished residency. If
your benefits stop, you can return,
reestablish residency, and reapply. Once
Service Canada confirms your return,
payments can resume. Five, reducing
taxes on benefits. Retirees in treaty
countries often file form NR5 to lower
or eliminate withholding tax. For
instance, Canadians in the US usually
pay none on OAS or CPP. These approaches
work within legal limits. Service Canada
monitors travel patterns, so short
visits just to reset the clock may not
count. Properly planned stays and
legitimate ties, however, can preserve
your benefits. Protecting your
retirement income. After understanding
all these risks, the goal is simple.
Keep what you've earned. Here's how.
Verify benefit eligibility before
leaving. Track your days abroad
carefully. Delay your move if you're
close to 20 years of residency. Choose
your destination strategically. Plan for
health care as if you were uninsured
abroad. Reassess yearly as tax and
treaty rules evolve. Retiring abroad can
be rewarding, but it requires planning.
The six-month rule isn't a small detail.
It determines whether your income
continues or stops. Knowing the facts
before you pack can save you thousands
in lost benefits, taxes, and medical
bills. And that wraps up today's episode
of Canada Chronicles. Retiring abroad
can be a dream come true, but it takes
awareness and preparation. The six-month
rule can make or break your financial
stability. By understanding how the
guaranteed income supplement, Old Age
Security, and Canada Pension Plan truly
work, you can protect what you've
earned. And remember, the residency and
tax strategies we shared can help you
stay secure while living the life you've
worked for. If you found this video
helpful, don't forget to subscribe, turn
on the notification bell, and share this
video with someone planning to retire
abroad. Thanks for watching, and we'll
see you in the next video.