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Comment by Marilyn Craig on January 29, 2012 at 9:40am

Good morning all, it has been suggested to me, to move to London, Ont frist, since I have spent 30yrs traveling too. Then once established seek out  new area's. I enjoy small village type area's but close to things. But one step at a time. I have decided to get an aparment,both for the reason above and I don't want the responsiblities of house, fixing and worrying about maintance. I have 2 cousins, our relationship some what limited since we have had the distance. I'll need to get involved within the area and get a part time position to meet people and get out. It will be the biggest adjustment in my life yet. But one that I so desire. Just need to sale this home and make it happen.

Comment by Karen Ridlg on January 29, 2012 at 7:49am

Marilyn

It is so nice to hear that you will be fulfilling your dream.  At 63 it is time to do what pleases you.  I know as a parent and wife - I dedicated my time to both husband and children.  My husband turned out to be a cheat and my children grew up and left home.  I tell my kids that this is my time.  And I have started to do what I want, when I want.  It's so important to do it while you can.

Where would you be moving to when you come to Canada?  In with your cousins or on your own?

Comment by Marilyn Craig on January 29, 2012 at 2:33am

Thanks Joe, it will be personally differcult for me to take some thing I didn't earn. Could I use extra, O YES, but did I earn it? it would be differcult for me to take it.

 It will be enough to just full fill my dream, my desire. to call Canada my home They say, your soul knows were you belong, in my situation I knew from the age of 5, some thing wasn't right. I would speak in depth to my parents about Canada, yet, neither parent ever spoke much about Canada, the differences, etc. It was a place were they came from and were my cousines lived. YET, I had knowledge and a desire that they didn't speak of. Some times I would get into so much trouble

 I knew then at the age to 5,I didn't belong to the states, but Canada was my home, then at the age of 22, married, with kids, I found out why, I was Canadian

I cried the first time crossing the border as adult, I was home, but marriage and life wasn't going to permit me to full fill that desire. Now its just to sell this home, so if any of you have extra prayers, I could use them. Real Estate has been so depressed, here. My realtor has an investor coming in mid FEB, I have lowered the price to my rock bottom, its prefect rental, 3 blocks from 3 colleges, 3 blocks from major hospital, 1 mile from the second largest shopping  center and restaurants, in upper middle class neighbor hood with many, many up dates,I have it priced about 10,000 below what it should be. At 63, I have the chance to make my dreams come true, to live and explore my country,. Thanks everyone for your in put.

Comment by Joe Blow on January 28, 2012 at 11:12pm

Marilyn:

You take anything you can get.  If you're not entitled you won't get anything.

If you are entitled you should take it like everyone else does.  After all if you move back to Canada you will have to spend money in Canada and the money hopefully will allow you to move back comfortably.

Comment by Marilyn Craig on January 28, 2012 at 9:25pm

Thanks Frenchsa, I think my cousin needs to check on her information. Since I have NEver worked in Canada I do NOT except to receive any thing I have earned. Thanks everyone for your input.I truely appricate it. Better inform my cousin in the London, Ont area to double check her information..

Comment by Frenchsalsa01 on January 28, 2012 at 8:08pm

Marilyn, you should really read up on the regulations concerning CPP and OAS to better understand it. If you have not worked in Canada you are not entitled to any CPP. However, if you did work here for a period of time, you may be entitled to something. As for OAS, it's more than $400 a month and yes if you are a Canadian citizen and lived here for 20 years, then you are entitled to collect, but you need to apply. It is not automatic!

Comment by Marilyn Craig on January 28, 2012 at 5:21pm

Thanks Gregory, I told my cousin that I didn't think it would be fare to Canadians that have lived and worked all there life in Canada for some one like me that was moved to the states as a child,  My parents moved several times back and forth, I have never worked,  in Canada, I had short "residentance in Ontario" but never for along periods of time. How would that be fare for any like me to be able to move and recieve $ you didn't earn. again she came back with if your a Canadian citizen and you returned to Canada, you automatic get $400 a month at the age of 65 (Ontario) It has been a matter of "LIFE" that I have been in the states this long, And I wish and hope that my home sales. I ask for nothing !!! that I have not earned, I bring up my own $$, I look forward to just being able to put my head down and  keep in there on Canadian soil, but I asked for nothing but that opporunity and before its my grave..

Comment by GREGORY A HEENAN on January 28, 2012 at 3:10pm

Old age security (OAS) vs Canada Pension PLan CPP

 

http://www.hrsdc.gc.ca/eng/oas-cpp/index.shtml

Comment by Karen Ridlg on January 28, 2012 at 3:10pm

If you never worked in Canada you will not get Canada Pension Plan.  the Old Age is based on years lived in Canada after the age of 18.  Old age is divided into 40 pcs (of Pie) - If you lived here 10 years after 18 - you are entitled to 10 of the 40 pcs of pie or 1/4 of the old age pension.  Also you must have lived in Canada for 10 years before you can collect old age pension - if you come back to Canada at age 65 you must wait until you are 75 to get old age - as long as you were in Canada after the age of 18 for at least 1 year.

You can get Ontario Health Care when you come back.  You must qualify by being in Ontario for at least 3 months before coverage will start.

Example

Left Canada at age 30 - 12 years after age 18

Came back to live in Canada at age 65

You are entiltled to Old age pension of 12/40 at age 75.

Old age pension is based on you being a Canadian citizen and number of years living in Canada.

 

You will only get Canada Pension Plan money if you worked in Canada between the ages of 18 and 30 (before you left Canada) - no matter where you live and you don't have to come back to collect.  The CPP is dependant on years of working in Canada

I hope this helps.  Equalization comes into play when you separate, divorce or are widowed.  Both CPP payments to spouses are added together and divided by 2.

From the year of marriage, common law to date of separation, divorce or death. 

If all cases you must apply for the benefit.  Someone like me that has lived and worked in Canada all my adult life, the government did send me the Old age Pension application.

 

Comment by GREGORY A HEENAN on January 28, 2012 at 2:59pm

Marilyn,

Qualifications for CPP http://www.servicecanada.gc.ca/eng/isp/cpp/cpptoc.shtml

Each province administers universal health care differently

here is Ontarios

http://www.ontla.on.ca/library/repository/mon/ont/h/2000/ohip_eligi...

 

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