自周一起：加拿大老年人的加拿大退休金计划 (CPP) 和老年保障金 (OAS) 利率将上调——最新资讯及受益人群

2025年9月5日 https://www.youtube.com/watch?v=befd71v_9AQ

加拿大老年人的最新消息——加拿大退休金计划 (CPP) 和老年保障金 (OAS) 利率将于周一上调！

从本周一开始，加拿大老年人将获得更高的加拿大退休金计划 (CPP) 和老年保障金 (OAS) 金额。

这项期待已久的上调旨在帮助退休人员和养老金领取者应对通货膨胀、生活成本上涨和日常开支。

在本视频中，我们将涵盖您需要了解的有关 CPP 和 OAS 最新动态的所有信息：

✅ CPP 和 OAS 福利利率的具体上调幅度。

✅ 谁有资格从本周开始获得更高的福利。

✅ 此变化如何影响同时领取 CPP 和 OAS 的老年人。

✅ 这对保障收入补助金 (GIS) 领取者意味着什么。

✅ 2025年最大化每月退休收入的秘诀。

随着食品、住房和医疗保健价格持续上涨，加拿大退休金计划 (CPP) 和老年保障计划 (OAS) 的增加将为数百万加拿大老年人带来急需的经济援助。无论您是已经退休、即将退休，还是正在帮助家人管理福利，及时了解这些变化都至关重要。

从本周一开始，加拿大的 CPP 和 OAS 将迎来重大变化，

这些变化可能会对您的工资和退休收入造成超乎想象的影响。

无论您正在工作还是已经退休，您都需要了解变化内容、受益人群以及您必须采取哪些措施来避免意外。不要错过这些重要的更新。欢迎来到加拿大财富建设者 (Wealthbuilder)，您每日获取 CPPO、ASGIS 和 CR 新闻的最新消息。我们分享最新的付款时间表、福利上调以及支持加拿大老年人和家庭的实用技巧。立即订阅，随时了解最新动态，充分利用您的福利。首先要说的是加拿大养老金计划 (CPP)，这是政府为在职加拿大人提供的主要退休收入计划。从本周一开始，CPP 将引入新的缴费率和更新的福利计算方法，旨在确保该计划在未来几十年的财务可持续性。这意味着从本工资期开始，雇员和雇主的缴费率都将略有增加。缴费率将从可领养老金收入的 5.95% 提高到 6.3%，直至达到年度最高可领养老金收入限额，该限额也已根据通胀情况进行了调整。自雇人士的缴费率也将提高，因为他们需要同时缴纳雇员和雇主部分的养老金。虽然这可能意味着从周一开始他们的薪水会略有减少，但其目标是提高未来的退休收入。

因此，当您退休时，您的 CPP 支出会更高。在福利方面，新规调整了您每月养老金的计算方式。政府正在纳入一项新的职业退出条款，允许缴费者将某些低收入或零收入月份（例如用于照顾子女或残疾期间）排除在加拿大退休金计划 (CPP) 福利计算之外。这对许多加拿大人来说是一个重大损失，尤其是那些为了照顾孩子或面临健康问题而休假的人。这意味着您的 CPP 退休福利可能会高于之前的预期。

我们来谈谈老年保障计划 (OAS)，该计划为 65 岁及以上的加拿大人提供每月养老金。从周一开始，老年保障计划 (OAS) 将调整其追回门槛，即开始减少或追回老年保障计划 (OAS) 福利的收入水平。门槛正在提高，这意味着高收入老年人现在可以在OAS福利金减少之前保留更多福利金。

目前，如果您的净收入超过81,000加元左右，您的OAS福利金每超过门槛一元，就会减少15加元。新规将把门槛提高几千加元，减轻许多老年人的追回压力，即使他们有来自投资或兼职的额外收入，也能保留更多OAS福利金。

然而，有一个重要的限制。政府还对OAS受助人引入了新的收入申报要求。从本周一开始，所有领取OAS福利金的老年人都必须每年通过报税表或直接向加拿大服务局申报收入来确认自己的收入。未能申报或存在差异可能会导致付款延迟或暂停，因此，妥善保管您的文件比以往任何时候都更加重要。这些变化对谁影响最大？

在职加拿大人和自雇人士的工资扣除额将会增加，但退休福利也可能会更高。休假的父母和照顾者可以从加拿大退休金计划（CPP）中新的职业中途退学条款中受益匪浅。收入较高的老年人会很高兴提高老年保障金（OAS）的追回门槛，这意味着他们可以获得更多的实得养老金。任何领取老年保障金（OAS）的人都必须勤勉地申报收入，以避免支付中断。

如果您即将退休或已经领取加拿大退休金计划（CPP）和老年保障金（OAS），现在是时候重新审视您的退休计划了。

当前情况。请通过我的加拿大服务部 (Service Canada) 账户在线查看您的加拿大退休金计划 (CPP) 供款声明，了解职业中断条款可能如何影响您未来的福利。老年保障金 (OAS)。请确保您的所得税申报表准确无误并按时提交，并留意加拿大服务部关于收入核实的任何信函。

总而言之，这些变化反映了政府在人口老龄化和劳动力结构变化的背景下，为保持加拿大退休收入制度的公平性和可持续性而做出的持续努力。虽然有些更新可能看起来比较麻烦，但它们最终可能会转化为许多加拿大人福利的改善。感谢您观看《加拿大财富建设者》。

As of Monday: CPP and OAS Rates Increase for Canadian Seniors — Here’s What’s New and Who Benefits

2025年9月5日 https://www.youtube.com/watch?v=befd71v_9AQ

Breaking News for Canadian Seniors – CPP & OAS Rate Increase Starts Monday!

Starting this Monday, Canadian seniors will see higher Canada Pension Plan (CPP) and Old Age Security (OAS) payments. This long-awaited increase is designed to help retirees and pensioners cope with inflation, rising living costs, and day-to-day expenses.

In this video, we cover everything you need to know about the new CPP and OAS updates:

✅ The exact increase in CPP and OAS benefit rates.

✅ Who qualifies for the higher payments starting this week.

✅ How this change affects seniors receiving both CPP and OAS.

✅ What this means for Guaranteed Income Supplement (GIS) recipients.

✅ Tips to maximize your monthly retirement income in 2025.

With prices on food, housing, and healthcare continuing to rise, this CPP and OAS boost will bring much-needed financial relief to millions of Canadian seniors. Whether you’re already retired, approaching retirement age, or helping a family member manage their benefits, staying informed about these changes is critical.

Starting this Monday, major changes to

Canada's CPP and OAS are rolling out,

and they could affect your paycheck and

retirement income more than you think.

Whether you're working now or already

retired, you need to know what's

changing, who benefits, and what you

must do to avoid surprises. Don't miss

these crucial updates. Welcome to Canada

Wealthbuilder, your daily source for

updates on CPPO, ASGIS,

and CR News. We share the latest payment

schedules, benefit increases, and

helpful tips to support Canadian seniors

and families. Subscribe now to stay

informed and make the most of your

benefits. First up, the Canada Pension

Plan, the government's primary

retirement income program for working

Canadians. As of this Monday, CPP is

introducing new contribution rates and

updated benefit calculations designed to

keep the plan financially sustainable

for decades to come. This means both

employees and employers will see a

slight increase in the amount they

contribute starting this pay period. The

contribution rate is increasing from

5.95%

to 6.3% of pensionable earnings up to

the yearly maximum pensionable earnings

limit which has also been adjusted for

inflation.

Self-employed workers will also see a

higher contribution rate since they pay

both the employee and employer portions.

While this might mean a slightly smaller

paycheck starting Monday, the goal is to

boost future retirement income. So when

you retire, your CPP payout is higher.

On the benefit side, the new rules

adjust the way your monthly pension is

calculated. The government is

incorporating a new career dropout

provision that allows contributors to

exclude certain low-ning or zeroearning

months such as time spent caring for

children or periods of disability from

the calculation of their CPP benefits.

This is a gamecher for many Canadians,

especially those who took time off work

for caregiving or faced health

challenges. It means your CPP retirement

benefit could be higher than previously

expected. Next, let's talk about the Old

Age Security Program, which provides a

monthly pension to Canadians aged 65 and

older. Starting Monday, the OAS program

is adjusting its clawback threshold. the

income level at which OAS payments start

to be reduced or clawed back. The

threshold is increasing, meaning higher

income seniors can now keep more of

their OAS benefits before reductions

kick in. Currently, if your net income

exceeds around back/81,000,

[Music]

your OAS payments begin to be reduced by

15 for every dollar over the threshold.

The new rules will raise that threshold

by a few thousand, easing the clawback

for many seniors and allowing them to

keep more of their OAS payments even if

they have additional income from

investments or part-time work. However,

there's an important catch. The

government is also introducing a new

income reporting requirement for OAS

recipients. Starting this Monday, all

seniors receiving OAS must confirm their

income annually through their tax

returns or direct reporting to Service

Canada. Failing to report or

discrepancies could lead to delays or

suspensions of payments, so staying on

top of your paperwork is more critical

than ever. Who is impacted the most by

these changes? Working Canadians and

self-employed individuals will see their

payroll deductions increase, but with

the upside of potentially larger

retirement benefits. Parents and

caregivers who took time off work can

benefit significantly from the new

career dropout provision in CPP.

Seniors with higher incomes will be

pleased by the raised OAS clawback

threshold, meaning more take-home

pension. Anyone receiving OAS must be

diligent in reporting their income to

avoid payment interruptions.

If you're approaching retirement or

already receiving CPP and OAS benefits,

now is the time to review your current

situation. Check your CPP statement of

contributions online through my Service

Canada account to see how the career

dropout provision might impact your

future benefits. for OAS. Make sure your

income tax filings are accurate and

submitted on time and keep an eye out

for any correspondence from Service

Canada regarding income verification.

In summary, these changes reflect the

government's ongoing efforts to keep

Canada's retirement income system fair

and sustainable amid an aging population

and changing workforce dynamics. While

some of the updates might feel like a

hassle, they could translate into

improved benefits down the line for many

Canadians. Thanks for watching Canada

Wealthbuilder.

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updates on pensions and benefits.

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