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The understanding with Quebec applies to the Quebec Pension Plan. The Old-Age Security (OAS) program pays a flat-rate benefit to people age 65 or older based on periods of residence in Canada. Some recent credits also needed unless worker is blind. CPP-Worker under 65 must have a physical or mental disability which prevents any substantial gainful work and will be of long and indefinite duration or result in death. Reduced benefit as early as age 60 (or age 50 if disabled) if not caring for child. You are eligible for free hospital insurance at age 65 if you have worked long enough under U. Social Security to qualify for a retirement benefit.

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