A Full-Time Officer or Representative shall become a Participant on the first day he receives Compensation for Full-Time Employment. You are considered to be full-time if you work at least 1,000 hours each year. A Part-Time Officer or Representative shall become a Participant depending on your jurisdiction.

If you are going through a divorce, annulment, separation agreement, or domestic contract established under applicable Matrimonial Property Law, Plan benefits shall be in accordance with the Pension Legislation.

Not unless it is in the case of a marriage breakdown. But, according to the Canada Revenue Agency, if you have any unpaid taxes, they have the right to demand the Plan Administrator to send your benefit to it.

A Participant or Former Participant whose application for benefits under this Plan has been denied, in whole or in part, is to be provided with adequate notice in writing setting forth the specific reasons for such denial, and shall have the right to appeal the decision, by written request filed with the Trustees within 180 days after receipt of such notice. The appeal shall be considered by the Trustees and its decisions shall be communicated to the claimant within 180 days after receipt of all pertinent evidence. Refer to the Summary Plan Description for complete details.

Please file your application within at least 30 - 90 days of your anticipated retirement date. However, your application must be filed before the last day of the month preceding the month for which benefits are payable.

The Fund Office will need photocopies of the birth certificate and current photo identification for you and your spouse, along with a copy of your marriage certificate. If you were divorced, you will also be required to submit a copy of the final court-filed judgment in your martial dissolution with any copies of the marital property settlement agreement.

You may change your direct deposit information by completing a new Direct Deposit Form which can be obtained from the Benefit Office or downloaded from the website. Once this form is completed, you must return it to the Benefit Office for implementation. Please have the completed form to the Benefit Office before the 15th of the month to ensure it is effective for the following month.

Although, the Benefit Office makes every effort to ensure that your monthly benefit arrives on time, sometimes it is possible that the delivery of your check is delayed beyond our control. If you do not receive your check by the 10th day of the month, you must contact the Benefit Office so that a replacement check can be mailed to you. Please contact our office if you are interested in receiving your monthly pension benefit electronically and our office will send a Direct Deposit form for your completion.

For your protection, all address changes must be submitted in writing. You can change your address in one of two ways:

a) Mail or fax a letter to the Benefit Office with your new address; or,
b)Complete the Address Change Form located on the website and mail or fax to the Benefit Office for processing.