近期霞客與朋友討論關於加拿大老人福利政策，經查實發現網上流傳的相關中文解釋不是很全面，所
以在自己學習的基礎上，將相關信息貼於此，歡迎補充。

聯邦養老金Old Age Security Pension（OAS）-----------------------------------------------
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凡年齡在65歲或以上的加拿大人，只要在居住方面的某些條件符合，就可按月得到一份聯邦養老金。
金額多少則視申請人居住加拿大的年期而定。十八歲以後，在加拿大至少住滿十年，可以領取部份養
老金。十八歲以後，在加拿大必須住足二十年，才可以人在海外而仍得領取養老金。養老金必須辦申
請手續，且須付稅。 該項2001年全額為＄440。具體原文如下：

*The first level: Old Age Security

Old Age Security is Canadas largest public pension program. It provides a modest
monthly pension to most people, starting at the age of 65.

The Guaranteed Income Supplement (GIS) is an additional monthly benefit for low-income
OAS pensioners.

The Allowance provides a monthly benefit to low-income people between the ages of 60
and 64. It is available to the spouses or common-law partners of OAS pensioners and
survivors to help bridge the gap until they become entitled to receive OAS at 65.

If you wish to receive the basic OAS pension outside Canada, you must have lived here
for at least 20 years after your 18th birthday. The Guaranteed Income Supplement and
the Allowance are only for seniors who live in Canada. They stop if you leave Canada
for more than six months. If you return to Canada you must reapply.

Have you lived or worked outside Canada? Canada has international social security
agreements with many countries that could help you meet the OAS residence requirements
or get other social security benefits from either country. If you did not live or work
long enough in one country to qualify for benefits there, the time you spent in that
country may still be considered when determining your eligibility to receive benefits
from either country.

The amount of OAS you receive depends on the number of years you live in Canada after
you turn 18. Generally, you receive a full pension if you live in Canada for at least
40 years after 18. If you live here for less time, you may qualify for a partial
pension. With a partial pension, youll receive 1/40th of the full pension for each
complete year you live in Canada after you turn 18.

鏈接：http://www.hrdc-drhc.gc.ca/isp/ris/oas_e.shtml#oas3

加拿大退休金計劃 Canada Pension Plan (CPP)----------------------------------------------
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加拿大退休金計劃（CPP）則為曾在加拿大工作並支付CPP供款的退休人士提供補助。CPP給付額按申
請人受僱期間所繳付的供款數目而定。合資格者可在六十歲便開始申領這項退休金。CPP每年均按生
活成本指數調升一次。視情況而定，CPP領取者身故後，其配偶將可繼續支林遺屬退休金。

*The second level: Canada Pension Plan

The Canada Pension Plan pays a monthly retirement pension to people who have worked and
contributed to the CPP.

The CPP also acts as an insurance plan, providing disability and survivor benefits for
those who qualify. It provides a monthly income to you and your dependent children if
you become severely disabled during your working years. It also provides a monthly
income to your surviving spouse or common-law partner and dependent children if you
die. A lump-sum death benefit is available to your estate when you die.

Your CPP contributions are based on earnings between a minimum and maximum amount. For
example, in 2001, you pay contributions only on earnings between $3,500 and $38,300.
CPP contributions are tax-deductible.

Your employer deducts your contributions from your pay and makes an equal contribution.
If you are self-employed, you act as both employee and employer and pay both portions.

The Canada Customs and Revenue Agency (CCRA) collects contributions on behalf of CPP.
CPP funds are kept separate from general tax revenues. They are used only to pay
benefits, cover administrative costs and make investments.

You qualify by working in Canada
Generally, all workers in Canada over the age of 18 pay into the CPP (or the QPP) and
qualify for benefits.

In general, your retirement pension replaces about 25 percent of the earnings on which
you paid into the CPP. The exact amount depends on how much and for how long you
contribute. The age at which you decide to take your pension also affects the amount
you receive each month.

In 2001, the maximum CPP retirement pension is $775 per month if taken at the age of
65.

鏈接：http://www.hrdc-drhc.gc.ca/isp/ris/cpp_e.shtml#cpp1