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Application For Retirement Insurance Benefits

Submit Using A Paper Application

How to Apply for Retirement

To apply by paper, complete the Application for a Canada Pension Plan Retirement Pension form and mail it to us, or drop it off at a Service Canada office.

  • If someone is helping you apply

    You can give permission to a person to contact Service Canada on your behalf by signing in to your My Service Canada Account or by completing the Consent to Communicate Information to an Authorized Person form .

    This form does not give the person helping you authority to:

  • apply for benefits on your behalf
  • change your payment address

Make Sure You Qualify

To qualify for your Canada Pension Plan retirement pension, you must:

  • be at least 60 years old
  • have made at least one valid contribution to the CPP

Valid contributions can be either from work you did in Canada, or as the result of receiving credits from a former spouse or former common-law partner at the end of the relationship.

If you live in Quebec and you have made contributions to both the CPP and the QPP, you must apply to the QPP to request your retirement pension.

Recovery By Deductions Of Amounts To Which Recipient Not Entitled

42 For the purpose of subsection 66 of the Act, an amount of indebtedness that is owing may be deducted and retained out of the whole or any portion of a benefit that is payable to the person or the personâs estate or succession, under this Act or any other Act or program administered by the Minister, that will recover the overpayment in a single payment or in instalments, in any amount that does not cause undue hardship to the person or the personâs estate or succession.

  • SOR/90-829, s. 13
  • SOR/96-522, s. 6
  • SOR/99-192, s. 2

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Benefits Reduced For Age

RIB benefits can be claimed in any month after the age of 62, subject to certain restrictions. However, benefits may be reduced if they are claimed before that person’s Full Retirement Age. For each month that the benefit is claimed before the month in which the person attains Full Retirement Age, the benefit is reduced by a certain amount of the PIA. For the first 36 months, the benefit is reduced by 5/9 of 1% of the PIA for additional months it is reduced by 5/12 of 1%. The aggregate reduction for the first three years is 20%.

For the formulae, RF means Reduction Factor, the number of months RIB is claimed early

Formula for First 36 Months: Benefit = PIA Ã /180

Formula for Additional Months: Benefit = PIA Ã /240

For example, for an individual whose Full Retirement Age is 66 and 10 months and who has a PIA of $1,000, the benefit, if claimed at 62, would be $708.

How Does My Agency’s Hr Office Process My Application

Retirement Application Form Sample

Your HR office will work to:

  • Complete the Agency Check List of Immediate Retirement Procedures
  • Prepare and get your signature on the Certified Summary of Federal Service
  • Verify any service not fully documented in your Official Personnel Folder.
  • Certify and transfer your coverage under the Federal Employees Group Life Insurance program to OPM
  • Certify and transfer your enrollment under the Federal Employees Health Benefits program to OPM
  • Prepare Notification of Personnel Action
  • Send all of your retirement materials to your agency’s payroll office

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Other Frequently Asked Questions

Once you reach full retirement age, your SSDI benefit will automatically convert to a retirement benefit. Typically, your monthly benefit doesnt change.

No. While workers compensation programs and the Veterans Administration pay benefits for partial disability, you must meet Social Securitys criteria for total disability to receive benefits through SSDI.

As with Social Security retirement benefits, you may be eligible for spousal benefits if your current or former spouse receives SSDI monthly benefits. The maximum you can receive is 50% of your spouses primary insurance amount and only if its higher than your own Social Security benefit.

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Application For Statement Of Earnings

  • 39 An application under subsection 96 of the Act by a contributor to require the Minister to inform the contributor of the unadjusted pensionable earnings shown to the contributorâs account in the Record of Earnings shall be made to the Minister in writing. The application may also be made to the Minister by way of the Internet on the electronic form prescribed for that purpose and made available on the Internet.

  • An application made in writing shall include the contributorâs name, address and Social Insurance Number.

  • An application made by way of the Internet shall include the contributorâs name, Social Insurance Number and postal code.

  • SOR/90-829, s. 12
  • SOR/90-829, s. 12

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Cf/rcmp Members Returning To Active Duty

Active members of the Canadian Forces and the RCMP are entitled to become Plan members so they can obtain PSHCP coverage for their eligible dependants. Members of the CF and RCMP can also obtain PSHCP coverage for themselves when they are not on active duty if they work for a participating employer under the Plan or if they retire and receive pension benefits based on their service, and would complete the Employee Application Form or Pensioner Application Form, as the case may be.

If you are a member of the CF or RCMP and are returning to active duty, you must submit the Employee Application Form to amend your coverage. You will continue to have the same PSHCP certificate number. If you had pensioner coverage prior to your return to duty, your CF or RCMP pension office will adjust your PSHCP contributions to reflect the Regular Member or Senior Officer contribution rate.

Report The Death Of A Social Security Or Medicare Beneficiary

Your Online Service Retirement Application

You must report the death of a family member receiving Social Security or Medicare benefits. The Social Security Administration processes death reports for both. Find out how you can report a death and how to cancel benefit payments. In addition to canceling SSA and Medicare benefits, find out what other benefits and accounts you should cancel.

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How To Complete Your Retirement Application:

Get step-by-step instructions and answers to common questions.

Once your application is approved, you will receive a letter confirming your selections and your benefit payment amount. When VRS makes your first payment, you will receive a letter that provides important details about your retirement payment as well as other eligible benefits. Keep this letter for future reference. Refer to your Retiree Handbook for more information after you retire.

Is Working While Collecting Ssdi Allowed

You can work while collecting SSDI, but the limits are strict. Social Security disability benefits stop if you engage in whats known as substantial gainful activity, defined in 2023 as earning more than $1,470 in a month if youre not blind or $2,460 if youre blind.

However, youre allowed a nine-month trial work period during which you can test a job without jeopardizing your SSDI eligibility. You can take your trial work period months consecutively or spread them out over seven years. During any trial work period month, you can earn any amount without affecting your benefits, but you must report your earnings to Social Security. In 2023, any month in which you earn at least $1,050 counts as a trial work month.

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What Can You Do To Protect Your Health In Retirement


Review the numbers. Will your retirement income hold you comfortably into the future? Make sure to estimate your monthly and annual expenses and dont forget to plan for ongoing medical and dental costs as you age.


Understand the public health care system. MSP and Fair PharmaCare only cover basic health expenses and services. Determine what gaps you may be presented with if these programs dont cover your required treatments. It is important to consider prescription drugs, dental and practitioner services such as physiotherapy or podiatry.


Confirm what your options are. Check with your employer to find out if you are eligible for an employer pension benefit plan. Make sure you understand how much coverage you may or may not receive through this plan.


Plan for the future. Dont wait to purchase extended health insurance. The ideal time to buy an individual health plan is while you are healthy you will get the best coverage at the best rate. In many cases, you will be required to apply within 60 days of group coverage being cancelled, so prompt action is important.


Give us a call. Whether you are supplementing your retirement pension benefits, public health care or providing yourself with peace of mind for the future, an individual health plan can protect you from unexpected health costs. Call one of our local retirement experts who can discuss your options with you.

Limits To Pensioner Coverage

IU 457(b) Supplemental Retirement Plan for All Employees

Pensioners are not eligible to receive coverage for certain provisions under the Plan.

A pensioner who lives outside of Canada and is not covered under a provincial or territorial health insurance plan is eligible for Comprehensive Coverage, but is not covered under the Out-of-Province Provision or the Hospital Provision, specifically.

The Hospital Provision provides hospital coverage equivalent as far as possible to the coverage available to Canadian residents covered by a provincial/territorial health care plan. This provision covers expenses such as standard ward accommodation, nursing services, laboratory procedures, and other services that are covered by provincial/territorial plans.

Pensioners are still covered by the Hospital Provision, but it is important to remember that this provision provides reimbursement only for hospital room and board expenses beyond standard ward charges , and not for any services rendered in a hospital. For pensioners residing outside Canada, the Hospital Provision covers hospital charges up to the maximum specified in the Summary of Maximum Eligible Expenses for each day of hospitalisation. Therefore, pensioners who are living abroad should obtain coverage for emergency medical services from other providers.

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Gsis Application Retirement Separation Life Insurance Benefits Form

This is a copy of GSIS Application Retirement, Separation, Life Insurance Benefits Form. This is not for sale and you can save this on your devices.

By the way, this GSIS Application Retirement, Separation, Life Insurance Benefits Form is a public document and you can download this as well at GSIS official website.

To begin with, I just want to give a quick background about this government institution. GSIS stands for Government Service Insurance System. They provide social security, pension or insurance to all government employees.

Moreover, they also provide financial support to all its members in a form of a loan.

Anyway, I know you are here because you need the document above. In case that you are not sure how to fill out this form. I advise that you visit the nearest GSIS branch or office in your locality.

You can also contact GSIS at or even call them through 8-847-4747.

If you have knowledge in using this document, then feel free to comment below. Let’s try to help others by sharing your knowledge here.

In the same way, you can also upload some helpful files or documents that you have. It may be a letter, reviewers, or even notes that you think beneficial to others.

Thank you so much for reading this. You can find more files here.

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What Is The Supplementary Death Benefit

The Supplementary Death Benefit plan is similar to decreasing term life insurance, which is designed to protect members of the public service pension plan.

Membership in the Supplementary Death Benefit plan is indicated on the “Notification of Plan Membership” in this package.

If you are eligible, coverage commences when you become a member of the public service pension plan.

If the “Notification of Plan Membership” indicates you are not eligible, it is because your employer is excluded from the Supplementary Death Benefit plan. You may wish to contact your employers Human Resources office to find out if you are entitled under an alternate death benefit plan.

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Social Security Disability Insurance

For SSDI, the document requirements are considerably broader and the application is lengthier. Along with the usual personal data , youll need to provide extensive documentation of your medical history and treatment and file an Adult Disability Report.

The SSDI process also includes an interview, in person or by phone. Youll find detailed information in Social Securitys Adult Disability Starter Kit.

When you can file: There is no minimum age for SSDI but you must have done at least some work in which you acquired Social Security credits.

Where to file:Online, by phone or in person.

What Is The Public Service Pension Plan

How to Apply for Retirement

The public service pension plan is designed to provide you with a retirement income payable during your lifetime. Pension benefits are based on your salary, pensionable service, age and reason for termination. The date you became a member of the public service pension plan determines when you will be eligible to receive an unreduced pension benefit:

  • If you became a plan member on or before December 31, 2012: You are eligible to receive an unreduced pension benefit if you leave the public service at age 60 or over with at least two years of pensionable service .
  • If you became a plan member on or after January 1, 2013: You are eligible to receive an unreduced pension benefit if you leave the public service at age 65 or over with at least two years of pensionable service .

Other benefits include:

  • Survivor benefits: provides an income for your eligible spouse and children in the event of your death.
  • Disability benefits: immediate annuity paid regardless of age when approved for retirement on grounds of disability.
  • Annual indexing: provides protection from inflation.
  • Portability: you may be eligible to transfer your pension credits if you join or leave the public service.

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How To Get A Social Security Card

  • Gather your documents. Learn what documents you’ll need to get a card. Select your situation:
  • Original, replacement, or corrected card
  • U.S. born citizen, foreign-born U.S. citizen, or noncitizen
  • Apply online for a replacement card. Apply online if youre not changing anything on your card and you are eligible. This option is available in most states. You will need to make a my Social Security account first. Or complete an application. If you can not apply online, fill out an application and return it to the SSA. Find out where to take it in person or mail it.
  • What Is A Social Security Card

    Your Social Security card is an important piece of identification. You’ll need one to get a job, collect Social Security, or receive other government benefits.

    When you apply for a Social Security number , the Social Security Administration will assign you a nine-digit number. This is the same number that is printed on the Social Security card that SSA will issue you. If you change your name, you will need to get a corrected card.

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    Request An Official Estimate And Application

    If you are within 12 months of your minimum retirement age, take the first step in the application process andrequest an official Retirement Benefit Estimates and Application .Complete one of the request forms below or call a benefits specialist at .

    Plan ahead: It may take up to 6 weeks for a Retirement Benefit Estimates and Application to be processed.

    How To Receive Federal Benefits

    Application For Voluntary Retirement

    To begin receiving your federal benefits, like Social Security or veterans benefits, you must sign up for electronic payments with direct deposit.

    If You Have a Bank or Credit Union Account:

    • Call the Go Direct Helpline at .

    If You Don’t have a Bank or Credit Union Account:

    Make Changes to an Existing Direct Deposit Account:

    On Go Direct’s FAQ page, learn how to make changes to an existing direct deposit account. You also may contact the federal agency that pays your benefit for help with your enrollment.

    Recommended Reading: Federal Employee Health Benefits Program

    Do I Need An Attorney To Apply For Ssdi

    No, but you should seriously consider consulting with an attorney, considering that about two-thirds of initial SSDI applications are denied.

    Attorneys who represent SSDI applicants work on contingency, which means they get paid only if you win your case. Charging upfront fees to represent someone in a disability claim is illegal.

    If your application is approved, your attorneys fees are capped at whichever is less: 25% of your first payment or $6,000.

    Returning To The Federal Public Service

    If you are retired but decide to return to work in the public service, it is your responsibility to advise the pension office of your change in employment status so that your monthly deductions can be amended. You must complete the Employee Application Form and indicate that you were previously covered under the Plan. You will continue to use the same certificate number regardless of your employment status.

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    If You’re Not Sure Why You Received A Payment

    If you receive a check or direct deposit payment from the Treasury Department and do not know what its for, contact the regional financial center that issued it. Only the agency that authorized the payment can explain why you received it.

    If you received a check, look for the RFCs city and state at the top center. Then contact that RFC to find out which federal agency authorized the payment. It will be one of these:

    If you received payment byelectronic funds transfer , or direct deposit, follow the directions under Find Information About a Payment.

    Use the Treasury Check Verification System to verify that the check is legitimate and issued by the government.

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