Question

16 lula arrived in canada as a refugee seven years ago when she was 58 years old. she has worked in retail for the last five years. if she retires now at age 65, from which of the following government plans can lula expect to receive a pension immediately?
a. old age security (oas) pension
b. guaranteed income supplement (gis)
c. canada pension plan (cpp)
d. employment insurance (ei)

Explanation:

• Option a (OAS): To be eligible for Old Age Security (OAS), one generally needs to be a Canadian citizen or permanent resident and have lived in Canada for at least 10 years after age 18. Lula is 65 now and arrived 7 years ago (when she was 58), so her time in Canada after 18 is less than 10 years. Thus, she is not eligible for OAS immediately.
• Option b (GIS): GIS is a supplement for low - income OAS recipients. Since Lula is not eligible for OAS yet, she can't get GIS.
• Option c (CPP): The Canada Pension Plan (CPP) is based on work and contributions. Lula has worked for 5 years and made contributions (assuming, as she worked in retail). The minimum contribution period for a reduced CPP pension is less strict, and at age 65, with work history, she can be eligible for CPP.
• Option d (EI): Employment Insurance (EI) is for temporary income support when unemployed, not a pension plan for retirement.

Answer:

c. Canada Pension Plan (CPP)