Accessing Pension and Disibility Plans
- In order to retire, members should contact the Winnipeg Civic Employees Benefits Program located at 5-317 Donald St. R3B 2H6. Telephone number - 986 2516, sixty days prior to the date they wish to retire.
- Contact can also be made at anytime prior to retirement to obtain a benefit projection of what they can expect as income upon retirement.
- All employees who work full time throughout the year are required to become members of the Plan at the commencement of their employment.
- Seasonal and part-time employees are required to become members when they have earned 25% of the maximum pensionable earnings ($12,775 in 2013) under the Canada Pension Plan in each of two consecutive years.
- Employees: 9.5% up to YMPE (Years Maximum Pensionable Earnings) + 11.8% over YMPE(2016)
- Effective January 1, 2014, the average contribution rate increased to 10% of pensionable earnings for both employees and employers.
- Employer(s): Matches Employees’ contributions.
Normal Retirement Date:
Early Retirement Date:
As of September 1, 2011:
- No retirement before age 50 for employees who are hired on/after September 1, 2011.
- For retirement before age 55 (under Rule of 80 or with 30 years of service):
- For pension earned for service before September 1, 2011, no reduction, and
- For pension earned for service on/after September 1, 2011, 4% reduction for each year retirement precedes age 55.
For retirements between age 55 and age 60:
- For pension earned for service before September 1, 2011, no reduction and,
- For pension earned for service on/after September 1, 2011
- No reduction if Rule of 80 is met,
- Otherwise, 4% reduction for each year retirement precedes earlier of age 60
Cost of Living Adjustment:
An amount equal to at minimum 50% of the percentage change in the CPI. (Presently COLA is at 80% each year - 2016)
- 66 2/3% of the lifetime pension to which the Member would have been entitled to had the Member continued to live.
Short Term Disibility:
You may be eligible for short-term disibility in the case you don't have the required sick days to get you to Long Term Disibility. Please contact the Union office to make arrangements to fill out the appropriate paperwork.
Long Term Disability Plan:
- To access LTD benefits members must contact the Winnipeg Civic Employees Benefits Program located at 5-317 Donald St. R3B 2H6. Telephone number: 204-986-2516, and also their department. They will be given application forms which include forms that have to be filled out by their treating physician.
- There is a six month waiting period during which members must show a wage loss from there regular wage for the full six months if they are working, or be off work using sick-time. Members are entitled to utilize sick credits on a bi-weekly basis to show the wage loss.
- If a member works a full pay period at their regular wage then the six month waiting period starts over and begins again when they next show a wage loss.
- Members do not have to exhaust their sick or vacation credit in order to be eligible for disability benefits.
Updated last March 16/16