U.s. Canada Totalization Agreement

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. Have you decided to make an agreement to that end, and where do you find yourself? Are you caught in the middle of this unique problem? You are not alone in your quest for a path forward. Since regulations and agreements are constantly in circulation, it is important to consider your options through the objective of the current cross-border agreements. For more information, contact Cardinal Point. The Canada-U.S. Social Security Agreement came into force on August 1, 1984. A complementary agreement came into force on 1 August 1984.

A second complementary agreement came into force on 1 October 1997. The agreement with Canada helps many people who, in the absence of the agreement, would not be entitled to monthly pension, disability or survival benefits under the social security plans of one or both countries. It also helps people who would otherwise have to pay social security contributions to the two countries with the same incomes. Since Canada`s social security system includes a specific pension plan in the province of Quebec, an additional agreement was reached with Quebec to extend the agreement to that province, also effective August 1, 1984. The terms of the U.S.-Canadian Agreement and understanding between the United States and Quebec are very similar, and unless otherwise stated, refers in this document to the U.S.-Canadian Agreement also for the U.S.-Quebec agreement. The full text of the Canada Social Security Agreement and the description of the agreement are available on the Social Security Administration`s website at ssa.gov/international/totalization_agreements and on Taxnet Pro.1 If you do not wish to submit benefits rights, but want more information about the agreement, write: The following table shows the different types of social security benefits to be paid under the social security systems of the United States and Canada and briefly outlines the eligibility requirements for each type of benefit. If you do not qualify for these benefits, the agreement can help you qualify (see "How Benefits Can Be Paid"). The Canadian government`s international social security agreements cover only Old Age Security and Canada`s pension benefits. If you have contributed to the PQ, but not to the CPC, please contact the Quebec Pension Plan.

Below is a diagram showing how you can benefit from the various benefits without relying on the totalization agreement. This does not include eligibility on the basis of sped or disability benefits, which in some cases may be an option. As you can see above, an American worker in the U.S. may have worked for 9 years, moved his or her job to Canada, and not receive social benefits. However, the 1984 agreement allows canada to apply for credit for the United States.