Ukusebenza kwamaCanada aphakathi kweminyaka eyi- 18 no-70 kufuneka abe negalelo kwisiCwangciso sePensheni yeCanada (okanye iPlani ye Pension yaseQuebec) ngaphandle kokuba sele sele ifumana ipenshoni kwisicwangciso.
Igalelo lePension Pension yaseCanada lihambelana ngqo nomvuzo wonyaka. Unyaka ngamnye, ukuxolelwa ngokusisiseko, umda wokunciphisa umrhumo, kunye neenzuzo zilungiswa ngokweendleko zokuphila.
Yiyiphi imohluko phakathi kweCPP kunye noKhuseleko lwabantu abadala (OAS)?
Ukhuseleko lwezeNdala (i-OAS) luxhaswa ngemali evela kwingeniso jikelele (irhafu) kwaye iyafumaneka kunoma ubani ohlala eCanada iminyaka engama-40 phakathi kweminyaka eyi- 18 no-65 , kungakhathaliseki ukuba yintoni imbali yengqesho. Isicwangciso sePensheni yeCanada yinkqubo eyahlukileyo exhaswa ngumqeshi / umqeshi umnikelo - akusiyo inzuzo karhulumente. I-CPP kunye ne-OAS zakha isiseko seprogram yempesheni yaseCanada. Iintlawulo ze-CPP ziyafumaneka (kwinqanaba elincinci) ukususela kwiminyaka engama-60 (okanye ekupheleni kweminyaka eyi-70) , kanti awukwazi ukuqala ukuqokelela i-OAS ukuya kwi- 65 ubudala .
Qaphela ukuba i-Old Age Security "iyahlulwa kwakhona" ukuba ingeniso yakho idlula umda ochaziweyo (i-$ 72,809 ngo-2015).
Ndingayilindela Kangakanani i-CPP ne-OAS?
Ngonyaka we-2016 i-Canada Pension Plan ipolisi ye-Pension Benefits isithuba esingangama-1100 / ngenyanga, ngokusekelwe kwimiqathango yenani leminyaka elisebenziweyo kunye negalelo.
Ukuhlawula umyinge we-CPP malunga nama-600 / ngenyanga. Iingeniso zokusinda ezikhoyo zifumanekayo kumlingani womthetho okanye kunye nabalingani bomntu oswelekileyo abafaka isandla kwi-CPP. Abo banomnikelo ophantsi we-CPP kwaye akukho mithombo yemali engenayo kwimali yomhlalaphantsi bangafanelekela iSongezelelo seNgeniso esiQinisekisiweyo.
Ziziphi iimbopheleleko zomqeshi zokukhutshwa kweCPP?
Ukuba unabasebenzi kwi-payroll kufuneka uchithe imali efanelekileyo yePension Pension yeCanada (kunye neerhafu yengeniso kunye ne-Intshuwalense yengqesho), ukuba unikwe umqeshwa:
- ayikhutshaziwe
- liphakathi kweminyaka eyi-18 no-70 ubudala
- akakhethi ukuba ayeke ukunikela kwiCPP ukuba phakathi kweminyaka eyi-65 ukuya kwe-70 ubudala. Ngamanye amagama, ukuba usasebenza kwi-65 ubudala ungakhetha ukuba ungaphinda uhlawule kwi-CPP.
Iminikelo yePension Pension yaseCanada ihlukanisa 50/50 phakathi kwabaqeshi nabasebenzi . Iirhafu zokuncitshiswa zixhomekeke kwimbuyekezo yomhlalaphantsi yomqeshwa, ukuya kutsho kunika inkxaso. Jonga amaxabiso e-CPP, ama-maximums kunye nokuxolelwa kwi-website ye-Canada Reven Agency (CRA) kwiiyure ezikhoyo. Jonga isiKhokelo sokuThuthwa kweMali yokuTyala kweCanada ukuze uthole ulwazi oluninzi malunga noxanduva lokuhlawula umvuzo wabasebenzi.
Ukuxoshwa okukhethekileyo kwiCPP Deductions
Ezinye iintlobo zengeniso zihlawulwe kwi-deductions ye-CPP, umzekelo:
- Umsebenzi oqhelekileyo - lo mhlaba ompunga kwaye ngokusoloko unengxaki kumashishini. Ukuba umzekelo, umnini-shishini ufuna umntu ukuba angene aze ahlabe umtshini okanye ahlambe iifestile yena akafuni ukulahlekelwa ngumntu njengomsebenzi kwaye kufuneka enze intsalela ye-payroll / CPP. Ngokuqhelekileyo, i- Arhente yeRevenue Revenue ibona umsebenzi oqhelekileyo ukuba ube ngu-1) ngezikhathi ezithile kunye no-2) engahambelani nezorhwebo okanye ishishini lomqeshi . Ngokomzekelo, ukuqeshwa komntu kwiiyure ezili-10 ngeveki rhoqo ukuncedisa imisebenzi enxulumene nezoshishino ayifanelekanga njengomsebenzi oqhelekileyo kwaye umntu kufuneka aphathwe njengomqeshwa wokuhlawula (kunye neentengo zeCPP) ukuba umntu akaboneleli i-invoyisi yomsebenzi owenziwe njengebhanki ebhalisiweyo (umzekelo akukontraka ) .
- Iingcebiso kunye nezibonelelo xa kunikezelwa ngokuthe ngqo , oko kukuthi, akulawulwa ngumqeshi. Ukuba iingcebiso zivela kumqeshi, umqeshi makabeke ukuncitshiswa kwemithombo, kuquka neCPP.
- Iintlawulo ezivela kwizicwangciso zokwabelana ngenzuzo (abasebenzi be-EPSP).
- Inzuzo yomshuwalense yengqesho .
- Izibonelelo zokuthatha umhlalaphantsi (jonga imigaqo ye-CRA malunga nezibonelelo zokuthatha umhlalaphantsi).
Kuthekani Ukuba Uzimelela?
Ukuba usebenza ngokuzimeleyo, kufuneka uhlawule umqeshi kunye nemisebenzi yomsebenzi we-CPP. Ukuba ungumnikazi wedwa okanye ubambiswano , wenza igalelo xa ufaka i- tax return yakho (nciphisa nayiphina i-CPP efakwe kwiintlawulo ze-intlawulo kulo nyaka werhafu). Ukuba uqhuba ibhizinisi edibeneyo kunye nokusebenzisa umrhumo weekharityhulam , ukhipha iPCP njengomqeshi / umqeshwa.
Eyaziwayo njenge: CPP
Imizekelo: Ukuxhomekeka kuphela kwisiCwangciso soPensheni sakho saseKhanada ukubonelela ngomhlala wakho akusiyo ingcamango efanelekileyo.