If you graduate in the spring of 1987 and work in 1988, it means that you have a potential contribution of 37 years by the end of 2024. You mentioned that you have been in the United States for three years, so this means that you may be a little shy to get the largest CPP.
You can ask the CPP contribution statement of Canada to confirm.
CPP children breeding
One thing that can help your application without online reflection is to raise children. This allows applicants to reduce from CPP calculations for several years. At that time, their children were under seven years old and were the main carers. Taking care of young children may cause CPP donations to decrease, thus reducing the right to pension.
This dropout clause can enhance your CPP rights and may be suitable for you, Maryann.
American social security for Canadians
Social security is the United States, which is equivalent to CPP. Applicants usually need at least 40 quarterly credits or 10 years of underwriting work to meet the conditions. However, Maryann, even if you may not have 10 years of contribution, you are still qualified.
The Canadian Social Security Agreement allows Canadians to have only six working credits or donations of one and a half years to get qualified to obtain social security. This involves the use of Canadian CPP points for 10 years.
As a result, Maryann, you may also be eligible to obtain social security pensions. Despite small pensions, work in the United States and your contribution in the United States
Interestingly, from a historical point of view, social security eliminating accidents (wePs) have led to pensions, including pensions including CPP to reduce their social security. However, President Biden’s “Social Security Fair Act” means that wepp will not be applicable after December 2023.
