This document discusses the strengths of the agreement and how it can help you work and apply for benefits. I do not know any details about the benefits of the United States, but the agreement should help you qualify. Here is a web link that could help you clarify things for you: www.ssa.gov/international/Agreement_Pamphlets/canada.html Unfortunately, the agreement is not good for everyone. The totalization agreement is great for those who have worked less than a decade in the United States. However, it is not so friendly if you are actually entitled to your own Social Security benefit. The agreement includes a Wind Elimination Commission (WEP) that reduces your social security benefit in the United States if you worked in a job in which you did not contribute to Social Security. This also includes work in Canada, where you earned a CPC and not contributing to Social Security. While the U.S.-Canada agreement and the U.S.-Quebec agreement allow the Social Security Administration to count your CPP or PPH credits to help you qualify for U.S. pension, disability or survival benefits, the agreement does not cover Medicare benefits. Therefore, we cannot count your credits in Canada or Quebec to qualify for free Medicare insurance. Hello, Bryan, I arrived in the United States in 1998 and I work here until last year. Before I came here, I worked in Canada and qualified for CPP.

I`ll be 70 in a few months and I`m going to start collecting both Social Security and PPAs. Will Wep apply me and reduce my social security? Thank you for your time. Presatation Service 3 Office of Social Security Agreements Quebec Pension Board 1055 René-Lévesque Boulevard East, 13th Montreal Floor, Quebec H2L 4S5 If you have worked in both the United States and Canada, it is essential to develop a retirement strategy that reduces the WFP. However, most financial advisors have no idea how Social Security, the CPC and WFP are cooperating. Are you ready to work with a financial advisor who truly understands your cross-border retirement needs? If so, hold a free meeting below. Hello Selena – I don`t know anything about social security programs in Colombia, but there are no restrictions in the Canadian system that would prevent you from receiving pensions from both countries. Ken – My expertise does not contain an in-depth knowledge of each of the agreements, but I believe that the Canada/U.S. agreement only allows periods of contribution to the United States (not just the United States) to count as periods of stay in Canada for OAS purposes.

Here`s a link with more details: www.esdc.gc.ca/en/cpp/international/unitedstates.page. While these two objectives are important, this article will focus only on how agreements fill gaps in coverage. I am not an expert on the Canada-Philippines agreement, but here is a link you might find useful: www.servicecanada.gc.ca/eng/services/pensions/international/countries/philippines.shtml The Totalization Agreement allows U.S. workers to combine work experience in the U.S. and Canada to qualify for social security. This allows people to be entitled to social security, even without having sufficient work credits. In the United States, you need 10 years of work experience to qualify for Social Security. Suppose you worked in the U.S. for 6 years, then you took a job and moved to Canada for 20 years before you retired. Under normal social security rules, this would mean that you would miss social security completely.

However, the totalization agreement allows you to use your Canadian work experience to qualify for Social Security when you retire. It seems like this is a win-win situation for retirees until you discover the ugly side of the deal. You can also qualify for a partial agreement of the OAS.