this post was submitted on 22 Oct 2023
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[–] [email protected] 27 points 1 year ago (3 children)

How the heck is this even supposed to work with cross province migration? I migrated from BC having paid the full amount into the CPP for many years and now Alberta gets to pay claim to it? What if I move after they seperate, two meager pensions? What a mess.

[–] [email protected] 15 points 1 year ago (1 children)

Quebec has had its own pension plan for a long time. I expect should we go through with this, it'd be a similar mechanism to however they handle it.

Still a terrible idea though, because the UCP literally can not do math, or successfully manage finances.

But, the idea isn't unique, Quebec already did it... And the fact that the UCP isn't pointing that out as justification to me speaks volumes about the political hatred for Quebec by the Albertan right wing.

[–] [email protected] 20 points 1 year ago (1 children)

From what I read Quebec didn't leave though. They just never joined

[–] [email protected] 1 points 1 year ago (1 children)

I guess you could maybe just let all albertans who have retired take from the cpp going forward from the start date, then everyone after that just contributed to app, but that will take like 45+ years to fully switch over and need to deal with the overlap somehow throughout that time.

[–] [email protected] 1 points 1 year ago

If you do that so that anyone born after 2004 or whatever only contributes to app it's not gonna be fair to them when the app goes bankrupt

[–] [email protected] 6 points 1 year ago (1 children)

It works "fine" for QPP, so I assume it would be the same for APP. Out of all the very valid concerns over this plan, inter-provincial migration isn't really one of them.

[–] [email protected] 5 points 1 year ago (2 children)

Also worth noting that as a remote employee of QC from SK, I find myself paying into both QPP and CPP now, reducing my expected takehome overall.

[–] [email protected] 4 points 1 year ago

Yeah you for sure are only supposed to be paying one. I worked from AB for a QC based company for a few years.

[–] [email protected] 4 points 1 year ago

AFAIK, it should just be QPP deductions. Either way, your over-contributions should be sorted out at tax time.