📢 Preserving Your Pensions:
Unlike other countries where foreign work pensions are forfeited upon leaving, **CPP contributions are never lost**. You can collect your CPP pension anywhere in the world when you reach retirement age. OAS, however, has strict residence thresholds.
OAS Overseas Eligibility Checker
Input the total years you lived in Canada after turning 18 to verify if your OAS can be paid abroad:
Comparing CPP & OAS Portability Rules
Service Canada handles CPP (contributions-based) and OAS (residence-based) under entirely different portability frameworks:
- Canada Pension Plan (CPP): Your CPP is determined by your employment contributions. If you worked in Canada, you have a guaranteed right to collect CPP at age 60 (reduced rate) or 65 (standard rate). **No minimum residency duration** applies for collecting CPP abroad.
- Old Age Security (OAS): OAS is funded by general tax revenues and depends on how long you lived in Canada. To collect OAS while living overseas, you must have resided in Canada for at least **20 years** after age 18.
- Non-Resident Withholding Tax (NRWT): Canadian pensions paid to non-residents are subject to a flat **25% non-resident tax** unless reduced by a tax treaty between Canada and your current country of residence (e.g. DTAA with India).
Pension Highlights
CPP Overseas PortabilityGuaranteed (100%)
OAS Overseas RequirementMin 20 Years Res
Full OAS residency40 Years Res
Default Pension Tax (Non-Res)25.0%