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You are a member of the RREGOP or the PPMP and have a terminal illness

Plans concerned: The RREGOP and the PPMP


Here are answers to frequent questions about the benefits payable for terminal illness.

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Benefit for Terminal Illness

If I have a terminal illness, can I receive a special benefit under my pension plan?

Yes.

Step 1

If you have a terminal illness, that is, an illness because of which, in the opinion of your physician, you have less than 2 years to live, you can receive the higher of the following 2 amounts:

  • the total of your pension contributions (without the amounts paid or transferred to acquire a pension credit), with the interest accrued up to the date of receipt of the application; or
  • the actuarial value of the retirement pension acquired on the date of receipt of the application.

Step 2

If you have a pension credit, we will add the amounts paid or transferred to acquire a pension credit, plus accrued interests, to the amount withheld on Step 1.

However, you may not avail yourself of this provision if you are eligible for an immediate retirement pension without reduction on the date you file your application to an immediate pension without reduction This link will open in a new window..

Is it possible to continue working after receiving this benefit?

Yes. However, you cease to be a member of your pension plan, because you are no longer considered an employee within the meaning of the plan.

If I apply for this benefit, what will happen when I die?

Payment of this benefit cancels entitlement to any other advantage, refund or benefit provided for in your pension plan. Consequently, your spouse and heirs will receive nothing from your pension plan. However, your surviving spouse can have the benefit for terminal illness cancelled if requested before the amounts paid by are redeemed. The benefit application is then deemed to never have been made.

What do I have to do to receive benefits in the case of terminal illness?

You must fill out the Application for Disability Beneftis in the Case of Terminal Illness This link will open in a new window. PDF. (RSP-449A) form and send it to us, along with the Medical Report for Disability Benefits in the Case of Terminal Illness Under a Public-Sector Pension Plan  This link will open in a new window. PDF. (RSP-448A) form signed by your physician.

If you would like us to transfer your benefit for terminal illness directly to your registered retirement savings plan This link will open in a new window. (RRSP), you must also enclose the Direct Transfer of a Single Amount Under Subsection 147(19) or Section 147.3 This link will open in a new window. form (T2151 form of the Canada Revenue Agency).

What if I am unable to fill out and sign my benefit application form due to my health condition?

In order for your application to be processed, the person who fills it out must send us the mandate in anticipation of incapacity or the act of curatorship authorizing him or her to act on your behalf.

What happens if I recover and wish to continue working?

If, after expiration of the 2-year delay you are recovered, you can choose to start participating again to the plan by sending us a notice to that effect. Your participation will start on the date of receipt of the notice

 

Useful Forms

To apply for benefits in the case of terminal illness:

 

To apply for a transfer of your disability benefits in the case of terminal illness to your registered retirement savings plan (RRSP):

 

Useful Links

 

To Learn More About Your Public-Sector Pension Plan