The U.S.-Canada Social Security Totalization Agreement (1984) allows retirees to combine work credits from both countries to qualify for benefits in either system, even if they fall short of the ...

The 1984 U.S.-Canada Totalization Agreement lets cross-border workers pool credits from both countries, unlocking proportional benefits most retirees wrongly assume are lost. Eight Canadian work years ...

A 65-year-old who spent eight years working in Toronto during his 30s, then built a 32-year career at a U.S. manufacturer, is ready to retire. He paid into both systems but assumes the Canadian years ...

Picture a 65-year-old who spent six years in the U.S. workforce and four years in Germany, filling out the rest of her career with caregiving and contract jobs that never paid into Social Security. By ...

Halifax sits at a junction of careers that often run between Canada and the United States. Maritime workers in healthcare, energy, finance, technology, and academia frequently spend portions of their ...