加拿大养老金警告：6个月规定可能导致您无法领取养老金！

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

您是否计划在国外退休，享受阳光下的梦想生活？????
在您预订单程机票之前，您需要听听这个消息。加拿大政府制定了严格的规定，如果您在海外居住六个月，养老金和福利就可能被削减——每年都有成千上万的老年人措手不及。

在本视频中，我们将详细介绍您需要了解的有关加拿大养老金计划 (CPP)、老年保障金 (OAS) 和保证收入补助金 (GIS) 的所有信息，以及如果您在加拿大境外居住时间过长，一项联邦规定可能会如何导致您的养老金无法领取。

我们将为您讲解：

✅ 终止或暂停您在海外福利的六个月规则
✅ 当您居住在加拿大境外时，您的老年保障金 (OAS) 和退休保障金 (GIS) 会如何处理
✅ 加拿大养老金计划 (CPP) 如何在全球范围内保持可携性
✅ 2025 年加拿大海外退休人员税收真相
✅ 保护退休收入并避免代价高昂的错误的明智策略

敬请期待，我们将揭晓“加拿大人用来保留福利的居留技巧”。这些内幕贴士可以帮助您合法地维持您的身份，减少预扣税，并在 2025 年充分利用您的退休计划。

如果您年过 50，正在考虑退休旅行、提前退休或未来几年的财务规划，这段视频将帮助您在移居海外之前做出明智的决定。不要失去您已赚取的财富——学习如何无论您在何处退休，都能保障您的加拿大养老金安全。
<<<<<<<<<<<<<>>>>>>>>>>>>
在海外退休。加拿大将在 6 个月后削减您的
福利。欢迎回到
《加拿大纪事报》。今天，我们将揭露
一个让成千上万加拿大人措手不及的退休陷阱。想象一下，你努力工作了一辈子，终于
搬到了一个阳光明媚、生活成本低廉的地方，
却发现在国外短短六个月后，加拿大就开始削减你的福利。你的保证收入补助金消失了，你的老年保障金
被削减或征税，你的医疗保险
也可能完全消失。在本视频中，我们将揭秘
在加拿大境外退休后会发生什么的真正规则，并揭示
在为时已晚之前，你可以做些什么来保护你的收入。请持续关注视频，
因为我们还将分享加拿大人用来保住福利的
居留技巧。这套必知的
策略可以为你节省数千美元，
并确保你的退休生活
无论你住在哪里，
都有保障。如果你
还没有订阅，请务必订阅并打开通知，这样你就不会错过
影响国内外加拿大人的重要更新。让我们
开始吧。最先取消的保障性收入补助金（GIS）。一旦您移居海外，保障性收入补助金（GIS）将首先失效。它支持居住在加拿大的低收入老年人。但如果您离开加拿大超过六个月，您的
收入将停止。没有例外。即使您拥有加拿大银行账户、报税或偶尔访问加拿大，GIS 也与实际居住地而非公民身份挂钩。以来自温哥华的 71 岁退休人员 Gan 为例。她同时领取加拿大养老金计划和 GIS。移居墨西哥后，由于在加拿大境外居住超过六个月，GIS 停止了。直到她搬回墨西哥并重新获得居住权后，GIS 才重新开始发放。如果 GIS 是您收入的一部分，那么永久移居海外意味着完全失去这项福利。哪些福利可能会被暂停或减少？老年保障金。老年保障金（OAS）的运作方式有所不同。它可以在国外继续领取，但前提是您符合特定条件。
以下是截至2025年10月的规定。
如果您在18岁后在加拿大居住了20年或以上，
则可以在任何地方继续领取OAS。如果您在加拿大居住的时间少于20年，
OAS将在海外居住6个月后停止。如果您的新国家/地区与加拿大签订了社会保障协议，
那么您在加拿大居住的年数可能会计入这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。
他符合资格。因此，他的OAS将继续有效，但
Linda在退休前往泰国之前只在加拿大居住了15年，
因此不符合资格，她的OAS将在6个月后停止发放。即使在海外，OAS也需要纳税。加拿大税务局
默认预扣25%的税款，但如果您居住在签订了税收协定的国家/地区，
则可以降低或免除该税率。在美国的加拿大人
通常无需为老年保障金 (OAS) 缴税，而
在德国的加拿大人则可能需要缴纳 15% 的税款。为了降低
预扣税，退休人员可以
提交 R5 表格。在国外支付的老年保障金 (OAS)
将申报在 NR4 税单上，您必须
继续提交加拿大纳税申报表才能
保持付款有效。唯一可转移的福利是加拿大养老金计划 (CPP)。
加拿大养老金计划 (CPP) 是最
可转移的福利。它基于您的
终身供款，而不是您的居住地。无论您在
葡萄牙、哥斯达黎加还是菲律宾退休，您的 CPP 都将继续有效，金额保持不变。
但是，向非居民支付的 CPP 面临 25% 的% 的税率，除非有条约降低税率。
提交 NR5 表格可以
降低税率。如果您的新国家与加拿大签订了社会保障协议，
该协议可以保护您的供款，
并防止您同时缴纳两个系统。
您可以通过以下方式领取加拿大退休金 (CPP)：
在加拿大直接存款、以您的货币存入
当地的外国银行，或
以加元支票领取。
一旦您获得 CPP，它就会跟随您，
无论您身在何处。
在国外退休的税务方面。离开加拿大会改变
您的纳税方式。加拿大税务局会根据您与加拿大的联系，
将您分为实际居民、视同居民或
非居民。非居民需要就加拿大收入（例如老年保障金 (OAS)、CPP 或
私人养老金）缴纳预扣税。
标准税率为
25%，但与 90 多个国家签订的条约可以降低税率。
您每年都会收到
NR4 单据，其中汇总了
付款情况。非加拿大居民无需申报，除非他们想要退税或
拥有其他加拿大收入。如果您仍然
在加拿大拥有房产、银行账户或
有配偶，则可能被视为
实际居民，这意味着您必须申报全球收入。
为了明确您的身份，请在永久离开之前
提交 NR73 表格。医疗保健
缺口。省级医疗保健是
另一个主要问题。大多数省份
要求您每年实际居住
5 至 7 个月才能维持
保险。安大略省的 OHIP 允许在省外居住最多
212 天，而
不列颠哥伦比亚省的 MSP 则要求每年至少居住
6 个月。一旦您
超过这些限制，您的保险就会终止，
您将需要海外私人保险。即使您的养老金继续发放，
如果没有保障，海外的医疗保健费用也可能是毁灭性的。
这是加拿大人在移居海外时常犯的错误。许多退休人员以为，一旦他们获得老年保障金 (OAS) 和移民保障金 (GIS) 的批准，
钱就会源源不断地到账。其实不然。报税也不能让你的福利
保持有效。以下是一些最常见的错误，需要避免。第一，忽视
终止移民保障金 (GIS) 的六个月规则，并可能
暂停老年保障金 (OAS)。第二，没有核实你的目的地是否与加拿大签订了条约。第三，没有向加拿大税务局 (CRA) 或加拿大服务部 (Service Canada) 申报你的离境。第四，低估了海外的医疗保健费用。第五，完全依赖移民保障金 (GIS) 来获得长期收入。离开加拿大前，你可以做些什么？提前做好准备，避免意外。直接与加拿大服务部 (Service Canada) 确认你的居住年限。如果可能，等到你在加拿大居住满20年后再永久离开。选择一个与加拿大签订了税收或社会保障条约的国家，以保障你的福利。尽早提交NR5表格以减少预扣税。如果您想保留加拿大居留权，请通过房产、账户或家人与加拿大保持联系。每年审查医疗保健，并在需要时购买私人保险。感谢您一直关注我们。我们感谢您抽出时间，并希望这些信息对您有所帮助。加拿大人会利用这些居留权技巧来保留他们的福利。一些退休人员找到了一些巧妙的合法途径，在国外生活期间也能保留加拿大福利。
其一，雪鸟策略。许多人在海外过冬，但在国外六个月前就回国了。保持在这个期限以下，可以保持GIS资格和省级医疗保险。登机牌或报税表等实际居住证明至关重要。其二，保持牢固的联系。拥有房屋、缴纳房产税和维护加拿大账户可以帮助您在税务方面保持事实居民的身份。这有助于OAS和税务，尽管GIS仍然要求在加拿大居住。三、
利用社会保障协议。超过
50 个国家与加拿大签订了社会保障协议。
如果您曾在其中一个国家生活或工作过，这段时间可能计入您 20 年的老年保障金 (OAS) 要求。
葡萄牙、意大利和
菲律宾等国家都包括在内。四、
返回重新设立的居住地。
如果您的福利停止，您可以返回，
重新设立居住地，然后重新申请。一旦
加拿大服务部确认您的申报，
就可以恢复福利金的发放。五、降低
福利税。在条约国的退休人员通常会提交 NR5 表格以降低
或免除预扣税。例如，在美国的加拿大人通常
无需缴纳老年保障金 (OAS) 或加拿大退休金计划 (CPP)。这些方法
在法律允许的范围内有效。加拿大服务部
会监控旅行模式，因此，
仅仅为了重新设定时间而进行的短暂访问可能不计算在内。然而，妥善规划的居留和
合法的联系可以保留您的福利。
保护您的退休收入。了解了所有这些风险之后，目标就很简单了。
保住你的收入。方法如下：
离开前，核实你的福利资格。
仔细记录你在国外的居住天数。
如果你的居住时间接近20年，请推迟搬家。
策略性地选择你的目的地。
像在国外没有保险一样规划你的医疗保健。
随着税收和条约规则的变化，每年重新评估。
在国外退休可能很有意义，但需要规划。
六个月规则并非小事。
它决定了你的收入是
持续还是停止。在打包行李之前了解这些事实，
可以为你节省数千美元的
福利和税收损失。以及医疗费用。今天《加拿大纪事报》的节目就到这里。
在国外退休可以梦想成真，但这需要一定的意识和准备。六个月规则可以成就或毁掉你的财务稳定。
通过了解保证收入补助金、老年保障金和加拿大养老金计划的真正运作方式，你可以保护你的收入。请记住，我们分享的居住权和税收策略可以帮助你在享受你努力工作的生活的同时，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.