GENERAL INFORMATION
WELFARE PLAN
PENSION PLAN
  RETIREMENT DATES
  CREDITED SERVICE
  AMOUNT OF PENSION
  PENSION BENEFITS AT OR AFTER DEATH OF A RETIRED MEMBER
  ADDITIONAL SUPPLEMENTARY BENEFIT
  APPLICATION FOR, AND PAYMENT OF, PENSION
  BREAK IN SERVICE
  NO BREAK IN SERVICE ARRANGEMENT
  DEATH BENEFITS BEFORE RETIREMENT
  TERMINATION BENEFITS
  EMPLOYMENT OF
A PENSIONER
 

DESIGNATION OF
A BENEFICIARY

  GENERAL PROVISIONS
  PENSION PLAN EXCLUDED FROM GROW-IN BENEFITS
  TERMINATION OF PENSION COVERAGE
  GOVERNANCE OF PENSION PLAN AND PENSION FUND
MEMBER BENEFIT BOOKLET
 

 

WELFARE AND PENSION PLANS

Pension Plan

APPLICATION FOR, AND PAYMENT OF, PENSIONS

When your retirement date approaches you should obtain an Application for Retirement Pension form from your Local Union Office and complete it as required.  This Application form must be in the hands of the Plan Administrator prior to the date on which you wish your pension to commence.  Your application form must be accompanied by satisfactory proof of your age (see Section 13 (f) of the Member Benefit Booklet) and of the age of your Spouse.

Pension payments will normally start on the first day of the month after your retirement date, provided that your Application form has been received by the Plan Administrator at that time.  If the annual amount of pension payable falls within certain limits as regulated under the pension legislation of your province of employment, a lump sum payment will be made instead of monthly payments.

In the event that you become incapable of managing your affairs as a result of physical or mental illness, the Trustees may direct that payments be held until a guardian, committee or other legal representative is appointed




 

   

READ CAREFULLY, BUT REMEMBER…

This is a general outline of the Plans and its purpose is to explain as briefly and clearly as possible each of the benefits to which you are entitled. The benefits outlined under the Plans are subject to the terms and conditions of the Plan documents and Group Master Policies. If there is any conflict between this outline and the Plan documents and Group Master Policies, the Plan documents and Group Master Policies will apply in all cases. Also remember that no benefits are guaranteed and that the benefits can be changed by the Trustees at any time.

 
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