CANADIAN AND ROMANIAN RETIREMENT, DISABILITY OR SURVIVOR BENEFITS AGREEMENT
The Agreement on Social Security between Canada and Romania came into force November 1, 2011. The Agreement may help you qualify for Canadian and Romanian retirement, disability or survivor benefits. Social security legislation and agreements are complex. This sheet contains only general information and may not describe all the provisions that apply to your situation. For extra details, you may want to read the partly published AGREEMENT.
QUALIFYING FOR A CANADIAN BENEFIT
The Canadian pension programs included in the Agreement are the Canada Pension Plan and the Old Age Security program. Under the Canada Pension Plan, you can receive a benefit when you retire or if you become disabled. The Plan may also pay benefits to your survivors after you die.To qualify for a benefit, you normally must have contributed to the Plan, which came into force on January 1, 1966, for a minimum period. If you do not qualify for a Canada Pension Plan benefit, Canada will consider creditable periods under the pension program of Romania as periods of contribution to the Canada Pension Plan. The Old Age Security program covers most persons who live or have lived in Canada. The Old Age Security pension is payable at the age of 65 to persons who meet certain residence conditions. To qualify for this pension while living in Canada, you normally must have lived in this country for at least 10 years after the age of 18. To qualify while living outside of Canada, you normally must have lived in Canada for at least 20 years after the age of 18. What happens if you do not qualify for a Canadian Old Age Security pension because you have not lived in Canada for the minimum number of years? Under the Agreement, Canada will consider creditable periods under the pension program of Romania after the age of 18 as periods of residence in Canada. The Agreements cover residents of Quebec with respect to the Old Age Security program. However, the Province of Quebec negotiates its own understandings with respect to the Quebec Pension Plan.
QUALIFYING FOR A ROMANIAN BENEFIT
The pension program of Romania is similar to the Canada Pension Plan and covers most employed and self-employed persons in Romania. To qualify for a benefit under the pension program of Romania, you normally must have contributed to the program for a minimum number of years. For example, to qualify for a Romanian old age pension, you normally must have contributed to the pension program for a minimum period which varies between 11 and 15 years, depending on the date you become eligible. By January 2015, the minimum contribution required will be 15 years and the age requirement will be 60 for women and 65 for men. If you have not contributed to the program for the minimum period you may not qualify for a Romanian benefit. However, to determine eligibility for a Romanian old age benefit under the Agreement, Romania will consider periods of contribution to the Canada Pension Plan and periods of residence in Canada after the age of 18 as creditable periods under the pension program of Romania.
PAYMENT OF YOUR BENEFITS
You may qualify for a Canadian or Romanian benefit, or both; however, under the Agreement, each country pays your benefit based solely on your creditable periods under that country's pension program. In other words, Canada would pay the benefit amount for the portion of creditable periods to the Canadian pension programs and Romania would pay the benefit amount for the portion of creditable periods under the pension program of Romania.
APPLYING FOR BENEFITS OR FINDING OUT MORE ABOUT THE AGREEMENT
If you want to apply for a benefit from Canada or Romania under the Agreement, or if you need more information, you should contact:
From Canada or the United States:
1 800 454-8731
1 800 255-4786 (TTY)
From other countries:
Ottawa, ON K1A 0L4