Hello David,
I've been a telephone client of yours in the past.
Today, in a message to the list, you said:
>>If you you have not lived in Canada for 20 years
after turning 18, you can NOT collect your OAS out of
the country
You WILL get a small CPP pension based upon your 13
years in Canada no matter where you live.<<
I wonder if there is a way that my wife can become
eligible for CPP and/or OAS when it is time to retire.
- She is now 43yrs old. She was a Canadian resident
from 1982 - 2001.
- As a Canadian resident, she contributed to CPP for 19
years until we moved to the USA in 2001.
- From 2001 to the present she has been contributing to
US Social Security.
We plan on staying in the US for the foreseeable
future. However, we are not opposed to the idea of
moving back to Canada, or becoming residents for tax
purposes, if it would be beneficial to her.
I should also mention that we have Green Cards. She
cannot become a US citizen because she already has dual
citizenship in Canada and England and the US would
require her to relinquish one of those passports in
order to become a US citizen.
Thanks David,
JXXXXXXXXX
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david ingram replies:
I have a dozen clients with US / Canadian and British
Citizenships at the same time. There is nothing I know
of that stops you from becoming US citizen unless they
have changed the law. That has been true in Canada
since 1977 and the US since 1980. One of my own
associates for three years was a BRITISH, US and
Canadian citizen but he did it in that order and that
might be the secret.
Your wife and you will get your CPP benefits anywhere
you live in the world based upon her contribution
time in Canada.
In addition because of the US / Canada Totalization
agreement, she and presumably you will be able to
collect her OAS out of the country because she has paid
into US social security. Please note that the 20 year
rule is overruled for the US because of the treaty. In
most countries, you and your wife "would" have to live
in Canada for 20 years AFTER turning 18 to qualify to
collect OAS out of the country. In the case of the US,
you can use years in the US when you contribute to
Social Security to make up the 20 years.
I sent a copy of that agreement to everyone two or
three emails back.
If you have something in writing that says she can not
have the three citizenships, please send it to me. It
is how I learn this stuff.
For the next five months it will be very unusual for me
to answer any questions for anyone other than paying
clients, I am just too busy. However, as you have
seen, since I then strip out the identifying markings,
and send the answer to everyone, anyone who asks a
question will eventually get an answer just as someone
else's answer has prompted you to follow up with this
one.
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