加拿大政府对老年人的财政支持 Government of Canada financial supports for seniors 

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加拿大联邦政府承诺支持经历了一生勤奋工作的老年们。在帮助塑造了当今的加拿大这个国家之后，老年人理应获得有尊严的退休生活。政府将继续把老年人的经济福祉作为一项首要任务。自2015年以来，联邦政府已经向老年人提供了切实的支持。 

联邦政府将领取老年保障金（OAS）和低收入保障补助金（GIS）的资格年龄从67岁恢复到65岁。这一变动为未来的加拿大老年人的口袋中赚回了数千加元。 

2016年，为近90万低收入单身老年人增加了GIS。由于这一增长，加上政府的其他举措，估计有4.5万名老年人摆脱了贫困。2020年，政府放宽了GIS收入豁免，这有助于正在工作的低收入老年人保留更多的福利。 

为给老年人减少所得税，政府调升了基本个人（免税）金额（Basic Personal Amount）。当2023年这些调升全面实施之时，430万老年人将受益，其中46.5万老年人的联邦所得税将减少到零。每年，单身老人将节省近300元，老年夫妇将节省近600元。 

为了确保在加拿大各地的未来退休人士都能够享受更有保障的退休生活，我们联邦政府与各省和地区政府开展了合作，加强加拿大退休金计划（CPP），为今天的工作人士提供更多退休后他们可以依靠的资金。CPP增强计划是CPP的一个新组成部分，它为在2019年或之后工作并向CPP供款的人士增加了CPP退休金、残疾抚恤金、遗属养老金和退休后福利的金额。这不是一项单独的福利，而是对原有CPP的补充。自2022年6月7日起，符合资格条件的加拿大人已经开始领取其CPP福利的增强部分。符合资格的领取者可以预期在未来几个月内收到他们的第一笔增发款项，包括任何追溯的欠款。 

在疫情大流行期间，我们实施了一系列措施来扶持老年人。联邦政府向有资格领取OAS养老金的老年人发放了300元的一次性免税补助，并向有资格领取GIS的老年人发放了200元的额外免税补助。这笔25亿加元的财政扶持帮助加拿大的老年人支付因大流行病而增加的费用。 

除此之外，联邦政府的《COVID-19经济应对计划》投资13亿加元，通过4月份的GST退税提供一次性特别补助。超过400万个低收入和中等收入的老年人从这项充值补助中受益，低收入和中等收入的单身老年人平均获得了375元的补助金，低收入和中等收入的老年夫妇平均获得510元。 

通过这两项措施，联邦政府在现有福利的基础上为低收入单身老人提供了900多加元补助，为低收入老年夫妇提供了1500多加元，以帮助这些弱势的加拿大人在疫情大流行期间支付额外费用。 

2022年，联邦政府承诺投入最高7.424亿加元的一次性补助金帮助部分老年人减轻财务困难，这一措施适于那些在2020年有资格并领取了疫情救援补助、但后来发现这些补助被算作收入而影响GIS或津贴的老年人。在2022年3月至4月期间，超过21万3000名老年人收到了一次性补贴付款。 

此外，为了确保低收入的老年人在2021年或以后获得疫情救助补贴时不会面临GIS或津贴养老金的减少，政府修订了《老年保障法》，将联邦疫情大流行的救助补贴从未来几年GIS/津贴的收入计算中排除。 

《2021年预算》修订了《老年保障法》，设定从2022年7月开始为75岁及以上老年人将OAS养老金调升10%。这项措施还包括在2021年8月提供一次性补助款500加元，适用于在2021年6月有资格领取OAS养老金、并在1947年6月30日或之前出生的老年人。除了因通货膨胀做出的调整之外，此次调升是1973年以来OAS养老金的第一次永久性增加。这一调升将加强330万老年人的财务保障，其中56%是女性。 

 Government of Canada financial

supports for seniors

The Government of Canada is committed to supporting seniors after a lifetime of

hard work. Seniors deserve a dignified retirement after having helped shape

Canada into the country that it is. The Government continues to make seniors’

financial well-being a top priority. Since 2015, the Government has provided

tangible support to seniors.

The Government restored the age of eligibility for the Old Age Security (OAS)

pension and the Guaranteed Income Supplement (GIS) to 65 from 67. This

change put thousands of dollars back in the pockets of future Canadian seniors.

In 2016, the GIS was increased for nearly 900,000 low-income single seniors.

Because of this increase, along with other government initiatives, an estimated

45,000 seniors were lifted out of poverty. In 2020, the GIS earnings exemption

was enhanced, which has helped working low-income seniors keep more of their

benefits.

Income taxes have been reduced through increases to the Basic Personal

Amount. When these increases are fully implemented in 2023, 4.3 million seniors

will benefit, 465,000 of whom will see their federal income tax reduced to zero.

Every year, single seniors will save close to $300, and senior couples will save

nearly $600.

The Government ensured that future retirees across Canada will be able to enjoy

a more secure retirement. We worked together with provinces and territories to

enhance the Canada Pension Plan (CPP) to provide today’s workers with more

money they can count on when they retire. The CPP enhancement is a new

component of the CPP that increases the amount of the CPP retirement pension,

disability pension, survivor’s pension and post-retirement benefit for people who

have worked and contributed to the CPP in 2019 or after. It is not a separate

benefit, but rather a top-up to the original CPP. Since June 7, 2022, eligible

Canadians began receiving the enhanced component of their CPP benefits.

Eligible recipients can expect to receive their first enhanced payment, including

any retroactive amounts owing, over the course of the next few months.

A number of measures were implemented to support seniors during the

pandemic. The Government issued a one-time tax-free payment of $300 for

seniors eligible for the OAS pension, with an additional tax-free payment of $200

for seniors eligible for the GIS. This $2.5-billion investment in financial support

helped Canadian seniors cover increased costs due to the pandemic.

In addition, the Government’s COVID-19 Economic Response Plan invested

$1.3 billion in a one-time special payment through the GST credit in April. More

than 4 million low- and modest-income seniors benefited from this top-up, which

provided an average of $375 for low- and modest-income single seniors and an

average of $510 for low- and modest-income senior couples.

Through these two measures, the Government provided over $900 more for low-

income single seniors and more than $1,500 for low-income senior couples, on

top of their existing benefits, to help these vulnerable Canadians with extra costs

during the pandemic.

In 2022, the Government committed up to $742.4 million for one-time grant

payments to alleviate the financial hardship of seniors who qualified for and

received pandemic benefits in 2020, but who subsequently saw that these

benefits counted as income and impacted their GIS or Allowance benefits. Over

213,000 seniors received one-time payments between March and April 2022.

And, to ensure that low-income seniors will not face a reduction in their GIS or

Allowance benefits if they received pandemic benefits in 2021 or later, the

Government amended the Old Age Security Act to exclude federal pandemic

benefits from the calculation of income for GIS/Allowance purposes in future

years.

Budget 2021 amended the Old Age Security Act to increase the OAS pension by

10% for seniors 75 and over, beginning in July 2022. This measure included a

one-time payment of $500 in August 2021 to seniors who were eligible for the

OAS pension in June 2021 and born on or before June 30, 1947. This is the first

permanent increase to the OAS pension since 1973, other than adjustments due

to inflation. This increase will strengthen the financial security of 3.3 million

seniors, 56% of whom are women.

源自：加拿大就业及社会发展部

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