Canada Pension Plan International Agreements

Canada Pension Plan International Agreements – What You Need to Know

If you are a Canadian citizen, you may be eligible for pension benefits when you retire. However, what if you have worked or lived abroad? Will you still be eligible for Canada Pension Plan (CPP) benefits? The answer is yes, thanks to CPP international agreements.

CPP international agreements are bilateral arrangements between the Canadian government and other countries. These agreements help ensure that CPP benefits are available to individuals who have lived or worked in Canada and other countries.

Currently, Canada has CPP international agreements with 58 countries, including the United States, the United Kingdom, Australia, France, and Germany. These agreements ensure that eligible individuals can receive CPP benefits and similar benefits from the other country`s pension program.

For instance, if you have worked in both Canada and the United States, you may be eligible for CPP benefits in Canada and Social Security benefits in the United States. The CPP-Social Security agreement between Canada and the United States helps prevent individuals from losing CPP or Social Security benefits due to overlapping contributions to both programs.

To be eligible for CPP benefits under international agreements, you must meet certain criteria. You must have contributed to CPP and/or a similar pension program in the other country, and you must have earned enough credits in each program to qualify for benefits. You also need to meet the age and other eligibility requirements of both programs.

In most cases, you do not need to apply for CPP benefits under international agreements. The government of Canada automatically reviews your contributions to CPP and any other pension programs in the other country. If you are eligible for benefits, you will receive them automatically.

However, it is essential to keep your contact information up to date with both CPP and the other country`s pension program. If you have any questions about your CPP benefits under international agreements, you can contact Service Canada or the other country`s competent authority.

In conclusion, CPP international agreements allow eligible individuals to receive CPP benefits and pension benefits from other countries. These agreements help prevent individuals from losing benefits due to overlapping contributions to multiple programs. If you have lived or worked abroad, it is essential to understand how CPP international agreements may affect your pension benefits.


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