TABLE OF CONTENTS - IWA Forest Industry Pension Plan

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For more informationPension estimates When you apply for your pension, you will get anestimate of the amount you would receive under the differentoptions. If you would like an estimate before that time, call thePlan Office.Counselling If you are planning retirement and need help, contact thePlan Office, your employer or your union local for assistance.Government publications Human Resources Development Canada hasseveral publications about government pensions availablethrough the federal government office. If you have Internetaccess go to http://www.hrsdc.gc.ca/en/isp/cpp/cpptoc.shtmlCanada Revenue Agency has tax guides for seniors availablethrough federal government offices or on the Internet at http://www.cra-arc.gc.ca.31
This booklet reflects the terms of the IWA – Forest Industry Pension Planlaid out in the contract between USW and most Forest IndustryEmployers in B.C. and the changes effective January 1, 2008. Itreplaces all previous booklets.Pension rates and rules have changed many times since the Plan beganin 1973. Most of the changes were not retroactive, so if you retired orbroke service before January 1, 2008, some of the information in thisbook will not apply to you. If you are in doubt about your status, thePlan Office will be pleased to advise you.The Plan’s Trustees may occasionally make adjustments to the Plan.DisclosureIn accordance with Section 10 (4) and (5) of the Pension BenefitsStandards Act of British Columbia, any person entitled to a benefit fromthe Plan, or the spouse or designated beneficiary or agent of the personentitled to a benefit, has a right to examine the Plan documents uponproviding the Plan Office with a written request. Such right shall notapply more than once in any twelve-month period.32
Page 2 and 3: TABLE OF CONTENTSOVERVIEW .........
Page 4 and 5: OVERVIEWThe IWA ‐ Forest Industry
Page 6 and 7: PENSION BASICSWhat is a Pension?As
Page 8 and 9: Unfunded HoursUnfunded hours are ho
Page 10 and 11: Benefit RatesThe benefit rate appli
Page 12 and 13: PROVISIONS FOR DISABLED MEMBERSIf y
Page 14 and 15: Disabled but Not Eligible for Disab
Page 16 and 17: DEATH BEFORE RETIREMENTIf you die b
Page 18 and 19: LEAVING YOUR JOBBreak in ServiceYou
Page 20 and 21: Transfer DeficiencyIf you elect to
Page 22 and 23: Leave of AbsenceIf you take a leave
Page 24 and 25: As long as you return to work for a
Page 26 and 27: RETIREMENTApplying for a PensionYou
Page 28 and 29: The actuarial adjustments are deter
Page 30 and 31: FURTHER INFORMATIONDivorced or Sepa

TABLE OF CONTENTS - IWA Forest Industry Pension Plan

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