On 9/25/2025 at 9:35 PM, JoeRan said:

Of course they do if you give them reasons to check. I go back every few years without issues including Dr visits that are covered because I maintain a Canadian address including a current drivers license. Could they catch this if they want to? Yes but I file yearly taxes on income earned from Canadian sources so no red flags appear. Maybe one day they will. 

You guys don't get it.. I am 75 YO... At 50, I moed Previously to Bangkok for 10 Years, 5 Years Married to a Thai. I am NOT a Thai Newbie.

I'm a Dual Canada & USA Citizen. Born and Raised in Canada and Naturalized to the USA.
I Collect a small QPP, and Tiny (under $25) CPP. The QPP I collected while I was in Bangkok because I could start taking it younger. It was enough to pay my rent. I also collect a Small SocSec. from USA.
AFTER I left Thailand I aged into OAS. I collect Full OAS and a small Supplement. I fully qualified for my OAS BEFORE I moved to USA.
In USA I also have a very old and SMALL IRA. I have Sold all stock in it and want to get my Money OUT of the USA ASAP. Due to OAS Supplement complication  I must wait until I cease being a Tax Resident of Canada before I can do that (NEXT Year???) Sitting in the IRA It does not qualify as Income, which it will become as soon as I take it out. I also have a Mutual Fund (1) in Canada... (This is the Complication that requires me to get an Accountant to File my USA Global Taxes.)

Also, when I previously lived in Bangkok, i had NO NEED to File Canada Taxes, as there was no Global Requirement. I also had No need to File US Taxes because my Income was too low. I ONLY had to File Thai Taxes for the First 5 years. After That I became a Dependant on my Wife's taxes. 

Now all that has Changed with the passage of time and changes of circumstances.
Moving back to Thailand will have Zero effect on my SocSec. I will be able to extract My US Cash sitting in the IRA and send it to Bangkok for use towards my Visa requirement. At that time It will no longer have impact on my Canadian OAS Supplements because Canada will Strip them from me once I am a Non-Tax resident, I will no longer qualify. The Money I will owe the IRS on the Taxable IRA Source Income will be small and returned to me after I file.

However Canada WILL Try and apply a 25% Expat Tax on my OAS. The Only way I can mitigate this is to Appeal by Filing a Special Form Every 5 years (and A tax return Every Year of my GLOBAL Income) demonstrating that my Income is still Low. Then wait on their yearly judgement of how much they will deduct (Not more than 25%).
Further, As long as I have that Canadian Mutual Fund, it requires that 1/4 inch of documents on my US Tax Filing.... And Now Thai Banks are cooperating in American IRS FBAR Nonsense as well.

I will no longer get away without filing Taxes in All THREE Countries!
Not Because I am Rich and making Lots of Income and have big Investments, But Because I am poor, and had a stupid idea to move to the USA (A lesson I wish I could reverse... Renouncing my Citizenship costs $2,300 last time I checked.... After Trump It will probably triple.)
So I'm stuck with a complicated Tax "Filing" (Not Tax debt or Owing) Situation. It is ALL just Bureaucratic paperwork.

Finally, If I play games with Canada CRA or US IRA I jeopardies my living Income and my Ability to pay for my Health Insurance and Thai Visa... 400K Baht for a Marriage Visa.

I Will NEVER, for ANY reason return to USA. Not even to transit or catch a US Flag plane. I want NOTHING to do with that Hypocrite of a Country. Just MY SocSec that I paid into!
I will only return to Canada for Family matters. I can NOT afford yearly Trips.
I will Die and be Cremated in Thailand!

And so the Story will End!
CS
 

On 9/20/2025 at 8:45 PM, CosmicSurfer said:

If I recall, I think you need around 40 years Canada Working residency to qualify.

 

Not sure if it needs to be after 18.
 

 

I worked 27 years in Canada. The remainder in Europe ( Germany).  I am no longer a Canadian resident. 

 

At age 65 I started receiving Canadian OAS, but not the full amount, but rather 27/40 of the full amount  ( before clawback).

 

I can't answer your question re getting back your 25% tax, ... as my tax bracket after retirement requires I pay more than 25% and further my OAS is being partly clawed back as my global income exceeds thresholds specified by the Canadian government. 

 

Still I am curious as to what you finally learn so please let us know your final tax consultant or advisor approach.

 

Best wishes.

On 10/6/2025 at 4:36 AM, CosmicSurfer said:

The Money I will owe the IRS on the Taxable IRA Source Income will be small and returned to me after I file.

When I do a withdrawal (or a Roth conversion) from my US IRA, I can specify that NO income tax is withheld.  I carefully calculate how much to withdraw so that I remain in the 0% US tax bracket.  I still file US taxes but since I have paid $0 and owe $0 it is a very simple process.  Since you have the Canadian mutual fund issue, I'm not sure if you will owe US taxes.

 

On 10/6/2025 at 4:36 AM, CosmicSurfer said:

However Canada WILL Try and apply a 25% Expat Tax on my OAS. The Only way I can mitigate this is to Appeal by Filing a Special Form Every 5 years (and A tax return Every Year of my GLOBAL Income) demonstrating that my Income is still Low. Then wait on their yearly judgement of how much they will deduct (Not more than 25%).

I think Canada will also withhold 25% tax on your QPP and CPP benefits based on  your Thai residency.  It is not clear to me that as a US citizen but a resident in Thailand if you qualify for 0% withholding from those benefits due to the US-Can Socialization agreement.  You may want to check out IRS Form 8833.  I suspect that as a Thai resident you cannot qualify for tax treatment under the US-Can tax agreements.  I believe those agreements are base on residency, not on citizenship.

 

Of course filing the NR5 may qualify you for the 15% withholding rate.