Many Canadians who move to the United States end up contributing to both the Canadian Pension Plan (CPP) and the U.S. Social Security system. But how do these two retirement systems actually work together?
In this video, cross-border financial planner Bryan Haggard, CFP®, CFA, explains how CPP and Social Security interact for Canadians living in the United States. We’ll cover eligibility rules, the U.S.–Canada Totalization Agreement, and whether Canadians can collect benefits from both systems in retirement.
If you have worked in both Canada and the United States, understanding how these retirement benefits work together can have a major impact on your long-term retirement income.
Watch the video here:
⚠️ Many Canadians underestimate their CPP + Social Security benefits by $200k+ over retirement. Download your personalized estimate here:
👉 https://retiremittencalculator.base44.app/
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Topics Covered
• CPP eligibility for Canadians living in the U.S.
• Social Security credits and qualification rules
• The U.S.–Canada Totalization Agreement • Whether Canadians can collect both CPP and Social Security
• Taxation of CPP benefits in the United States
• Strategies for claiming benefits
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Cross-Border Retirement Calculator:
If you’ve worked in both the United States and Canada, estimating your retirement benefits can be complicated. Download our Cross-Border Retirement Calculator to estimate your potential:
Canada Pension Plan (CPP)
• Old Age Security (OAS)
• U.S. Social Security benefits
👉 Download here: https://retiremittencalculator.base44.app/
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About RetireMitten Financial
RetireMitten Financial is a fee-only financial planning firm specializing in cross-border retirement planning for Canadians living in the United States. We help Canadians who have lived or worked in both countries coordinate:
• Retirement benefits
• Cross-border taxes
• Investment accounts in both countries
• Estate planning