Since the implementation of Bill C-3 on December 15, 2025, a growing number of older Americans are embracing Canadian citizenship by descent as a viable option, particularly for retirement.

These retirees with familial ties to Canada view Canadian citizenship as a valuable ‘Plan B’, providing their families with a secure place to go and a range of opportunities to explore if needed.

Many are surprised to discover that individuals with a Canadian grandparent or direct ancestor may already possess Canadian citizenship without realizing it.

Claiming Canadian citizenship does not require relinquishing one’s American passport; rather, it offers a second nationality in addition to the existing one. It’s not a choice between the US and Canada but an opportunity to have both, tailored to suit the future years.

On December 15, 2025, Bill C-3 abolished the previous restrictions on Canadian citizenship by descent. If you were born before this date and can trace an unbroken lineage to a Canadian-born ancestor, you likely already hold Canadian citizenship. The application is for a certificate confirming your existing status, not for naturalization.

Embracing Dual Citizenship

Canadian citizens enjoy the right to enter, reside, work, and study in Canada indefinitely, without the need for renewals or the risk of status expiration, as enshrined in the Canadian constitution.

Unlike visas or residence permits, Canadian citizenship remains valid even if you spend prolonged periods outside the country. You could acquire citizenship at 62, stay away for ten years, and still retain all rights upon returning at 72.

Both the US and Canada permit dual citizenship, allowing individuals to maintain their existing citizenships while adding a new one. As a Canadian citizen, you are not obligated to relocate; you can split your time between different locations, preserving ties with family, healthcare providers, and communities in both countries.

The true value of Canadian citizenship lies in the enduring options it offers, ensuring flexibility and security for the future.

Legacy of Citizenship

For many individuals, the decision to claim Canadian citizenship is not solely for themselves but for future generations.

Citizenship by descent extends through family lines indefinitely. By securing your citizenship, you pave the way for your children and subsequent generations. Your adult children can also claim citizenship through you, and even cousins sharing the same Canadian ancestor qualify through their parents.

A Canadian passport opens doors to working-holiday opportunities…