Canada Pension Plan (CPP)

ICanada Pension Plan (CPP) chirongwa chepensheni chinoshandiswa munyika yose chakagadzirirwa kubatsira vaKanadia kupa mari yekusarura kwavo kana kuti kana vakaremara. CPP yakagadzwa muna 1965 nehurumende yeRiberal yeLester B. Pearson. Kunze kwepurovhinzi yeQuebec, iyi chirongwa chinotarisirwa kuti vose veCanada vashandirwi nevashandi vanofanira kuwedzera. Quebec ine purogiramu yayo yepensheni yakamanikidzwa, inozivikanwa seQueen Pension Plan (QPP).

Kushanda kweCanada pakati pezera remakore gumi nemasere nemakumi manomwe inofanirwa kugovera kuCanada Pension Plan (kana kuti Quebec Pension Plan) kunze kwekunge vatove vakagamuchira penheji kubva purogiramu.

Canada Purogiramu yePurogiramu yePurogiramu inobatanidzwa zvakananga nemari yegore negore Gore roga roga, kusunungurwa kwemashoko, kuwedzerwa kwemiganhu, uye kubatsirwa kunogadziriswa maererano nemari yekurarama.

Chii Chinosiyana pakati peCPP neAld Age Security (OAS)?

Old Age Security (OAS) inobhadharwa kubva kune huwandu yemari (mitero) uye inowanikwa kune ani zvake akagara muCanada kwemakore makumi mana pakati pemakore 18 ne65 , pasinei nemabasa emabasa. Canada Pension Plan chirongwa chakaparadzana chinobhadharwa nemupiro wevashandi / mushandi - haisi hurumende inobatsira. Pamwe CPP neOAS zvinoumba hwaro hweCanada pension system. Nhengo dzePPP dzinowanikwa (pakaderera zvishoma) kubva pazera remakore makumi matanhatu (kana kusvika pakadarika makore makumi manomwe) , asi iwe haugoni kutanga kuunganidza OAS kusvikira makore 65 .

Cherechedza kuti Old Age Security inogona "kurongedzwa kumashure" kana mari yako inodarika chikamu chinotsanangurwa ($ 72,809 kubva muna 2015).

Ndingatarisira Zvakawanda Zvipi kubva kuCPP neOAS?

Kwegore ra2016, iyo huru Canada Pension Plan yokubhadhara mari inobatsira inosvika madhora 1100 / mwedzi, zvichienderana nemhando yehuwandu hwemakore akashanda uye zvipo.

Ivhareji yePPP yokubhadhara inenge inenge $ 600 / mwedzi. Zvikomborero zvekupona zvinowanikwa kune vakaroorana vepamutemo kana avo vanoita mutemo wevamwe vanofa vanopa CPP. Vaya vane zvikwereti zvePPP zvakaderera uye hapana zvimwe zviwanikwa zvekuwana mari pavanenge vachirasikirwa vangave vakakodzera kuVimbiswa Kwekuwedzera Kwekuwana.

Chii Chiri Mubhizimisi Maitiro ekutsvaga CPP?

Kana iwe uine vashandi pamubhadharo iwe unofanira kutora mari yakakodzera yePanada Pension Plan (pamwe chete nemutero wemari uye yeInishuwarenzi yeInjira), inopa mushandi:

• haina kuremara
• iri pakati pe18 ne70 yemakore
• haana kusarudza kurega kugovera kuCPP kana iri pakati pemakore makumi matanhatu nemakumi matanhatu nemakore makumi manomwe. Mune mamwe mazwi, kana iwe uchiri kushanda pazera remakore 65 unogona kusarudza kusazobhadhara zvakare muCPP.

Canada Pension Plan mipiro inoparadzaniswa 50/50 pakati pevashandi nevashandi . Mari yekuderedzwa inoenderana nemari yekubhadhara mari yevashandi, kusvika pamutengo wegore rose. Ona maPPP mupiro wemitengo, maximums uye kuregererwa pawebsite yeCanada Revenue Agency (CRA) nokuda kwemazinga aripo. Ona Mutungamiri weCanada Payroll Deductions kuti uwane mamwe mashoko pamusoro pevanoshandira mari yekubhadhara.

Kuvhiringidzwa Kunokosha kubva kuCPP Deductions

Mimwe mhando yemari inowanikwa haigoni kubhadhara kubva kuCPP, somuenzaniso:

• Kushanda zvakaoma - iyi inzvimbo ye grey uye kazhinji chinetso chebhizimisi. Kana, somuenzaniso, muridzi wemabhizimisi anoda mumwe munhu kuti apinde uye ochera usvina kana kushambidza mahwindo iye / iye haadi kutambudzwa kwekuita munhu iyeye mushandi uye kuita zvekubhadhara mari / CPP. Kazhinji, Agency reCanada Revenue inofunga kuti basa risina basa rinofanira kuva 1) nguva nenguva uye 2) risingawirirani nebasa romushandi kana bhizinesi . Saka somuenzaniso, kushandisa mumwe munhu kwemaawa 10 pavhiki nguva dzose kuti ubatsire mabasa ane chokuita nebhizimisi haafaniri kuita basa risina basa uye munhu wacho anofanira kutarisirwa semubhadharo mushandi (pamwe nemari yeCPP) kana munhu asina kupa Invoice yebasa rakaitwa sebhizimisi rakanyoreswa (p. haisi mukonesi ) .
• Mazano uye mabhadharo kana akapiwa zvakananga , kureva, asingatungamiri nomushandi. Kana zano racho richibva kumushandi, mushandirwi anofanira kubvisa zvigadziriswa, kunosanganisira CPP.

• Kubhadhara kubva kune vashandi vanogadzirisa zvikwereti (EPSPs).
• Basa reinishuwarenzi inobatsira .
• Kubhadhara zvipo (ona mitemo yeRCA pamabhadharo ekurega mari).

Zvakadini Kana Iwe Uchishanda?

Kana iwe uri wekushanda, unofanirwa kubhadhara vose muvakidzani uye mushandi zvikamu zvepurogiramu yePPP. Kana iwe uri wega wega kana muhukama , iwe unopa zvipo paunotora mutero wako wekubhadhara (kusasiya chero CPP inosanganiswa muzvikamu zvekubhadhara mugore rose remutero). Kana iwe uri kutarisira bhizinesi rakabatanidzwa uye uchishandisa mubhadharo , iwe unodzinga CPP somushandi / mushandi.

Uyewo Anozivikanwa Se: CPP

Mienzaniso: Kuvimba chete neCanada Pension Plan kuti upe rubatsiro rwako ruregerero haisi pfungwa yakanaka.