Frequently Asked Questions

The following is intended to answer frequently asked questions from plan members.  In the event of any discrepancy between the information below and the official plan terms, the official plan text will prevail.  Subject to the terms of the plan, the plan may be modified or terminated at any time.  As a plan member, you may inspect the official plan documents on this website by clicking on "About Us - Plan Information."

1.  When are T4As sent to pensioners?

Northern Trust Canada (the payment custodian for the HRM Pension Plan) will prepare your annual T4A by February 28th of each year.  If you have not received your T4A by early March, please contact us and we will track down your T4A for you.  Remember to advise us of any address changes that occur during the year to avoid problems with receiving your T4A. 

2.  What happens to my HRM Pension Plan pension when I reach 65?

Your lifetime pension will not decrease at age 65 - it continues until your death. 

3.  How do I tell the HRM Pension Plan Office that I have changed my addresss?

You can write, send us an email, or you can call the HRM Pension Plan at 490-6213 (local calls) or toll free long distance 1-888-490-6213.  In order to process a change of address, we need your full name, the first 5-digits of your Social Insurance Number, your date of birth, your present address, your new address, and the effective date of your new address. 

4.  How do I tell the HRM Pension Plan Office that I have changed my banking information?

For banking changes, you must send us a signed letter, by mail or fax. For reasons of security, we cannot accept any changes by email or over the phone. 

Your letter must include your full name, the first 5-digits of your Social Insurance Number, the effective date of the change, and your signature.  With this information, please include either a voided cheque, or a statement from the bank indicating the bank’s full address, transit number, and your bank account number. The statement must be signed by a bank representative.

5.  Is tax deducted from my pension?

The HRM Pension Plan is required, by law, to deduct tax from your pension if it exceeds prescribed levels. How much tax is deducted will depend on government tax tables, as well as other information. 

If you want us to deduct more tax (perhaps because you have income from other sources), please send us a completed TD1 form.  Alternatively, you may write to us explaining the specifics. Please ensure that you specify the exact dollar amount of the extra tax that you want taken from your monthly pension over and above any tax that will be normally deducted as required by government tax tables.

6.  What happens to my HRM Pension Plan survivor pension if I remarry?

If you are receiving a survivor pension from the HRM Pension Plan, it is payable for your lifetime, even if you remarry.

7.  What will happen to my HRM Pension Plan benefit if I start collecting Canada Pension Plan benefits before age 65?

Your lifetime pension will not be affected by your decision to start to receive CPP benefits before age 65. 

8.  How do I request confirmation of income?

You can request confirmation that you are receiving a pension from the HRM Pension Plan by writing to us, sending us an email, or you can call the HRM Pension Plan at 490-6213 (local calls) or toll free long distance 1-888-490-6213.  In order to prepare a confirmation letter for you, we need your full name, the first 5-digits of your Social Insurance Number, your date of birth, and your address.  If you want the letter sent directly to a third party, we will need a written and signed request from you, with the party's name and address.

9.  How do I notify the HRM Pension Plan of power of attorney?

If you appoint a power of attorney for your financial affairs if you become  incapacitated, send the HRM Pension Plan a copy of the power of attorney document.  For pension-related purposes, your power of attorney requires (continuing) power of attorney for property.

We will deal with requests from your appointed power of attorney, provided we get  proof of their identity.  If you have specified that proof of your incapacity is needed  first, we will require this proof as well.