 鲜花( 327)  鸡蛋( 0)
|
本帖最后由 PTL 于 2013-3-12 10:45 编辑 $ H) P9 g9 W4 l5 X" l" R4 s* r
kismet 发表于 2013-3-12 09:34 
8 \: b/ ^6 E, k( Z- r* d# B$ N能具体说说这个提前拿退休金的事么?我正准备55岁就自己提前退休呢。但从来不知道还有部分退休金可以拿。 6 z. a: u0 x( r1 n2 k9 j2 H! `6 \
! L) I2 d# W6 z. S9 R C' p6 j
你的是PSPP吗?是的话,这里有些information。只是55岁,又没有工作35的话,拿不了全额的。http://www.pspp.ca/
% d- E6 H' K/ a1 [! e+ X
* d0 D/ e0 d- g$ Z, u( HWhat are my options if I leave the Plan before I reach age 55?% @3 R% Y G6 H1 H
You have many options if you leave the plan before you are age 55, including leaving your funds with the plan for a lifetime pension to be paid once you turn 55.
: e5 O& O( v! F. Z& A" c6 |# I* e& }* s, K9 @9 H# Z
What are my options if I leave the Plan before I reach age 55?% d0 o, d: D9 y) `: R
You have many options if you leave the plan before you are age 55, including leaving your funds with the plan for a lifetime pension to be paid once you turn 55.
# j( i& y* Q) ]( O6 K4 Z
8 r5 B: f+ d( X# x: D# V2 dIf you are 55 or older, you may:8 j2 m w) a* J v* r" d/ n
5 @$ _8 Q5 S; j6 X7 R" D% Z
receive an immediate monthly pension, as well as any8 J% i, a/ _9 D* b- _* |7 @
excess contributions. (If you choose to receive your
8 U2 @, |3 B( z8 s9 F$ V4 ppension before you turn 65 or before your age and years' i) L' \) W, B9 J: n0 {4 g" O& X
of service add up to 85, your pension will be reduced.
& V; ^0 p7 {0 y8 E, V) c
9 \# c3 N: S/ T& _Reduced pension
, P, j: l9 B! X( Z) _2 C4 o- v; b0 @9 |; |( J9 k
You can retire any time after you reach age 55 if you have at least9 M4 \9 M% o8 \* N/ d
two years of service (including any CPS). 7 S C7 @ t: z+ s" @; m3 r
& t# ?* l* H+ \# [) P& w5 b" UYour pension will be reduced; N- m! P" n3 x, h7 D' |
by three per cent for each year you retire early.
3 L( A: A, [# g; n: z& ^& i; k+ W7 a O5 y* Y# `
This reduction will
+ `: a: d) u$ H2 ?! ^8 Sbe based on the number of years your age is short of 65, or on the
. z; H9 y7 V; |# e [) jnumber by which your age plus years of service is short of 85 points,
; o% C+ a, L0 Kwhichever gives you the higher pension.9 f( N) R6 h" n2 D) y, S7 R
' m" m' F3 h( e: ~+ y# vHere is the users' book: http://www.pspp.ca/members/publications/PSPP_Member_Handbook.pdf
2 R6 s. l1 ^+ p+ Y# B
8 B* y3 g6 {* A4 b1 z |
|