An overview of the pension application process

Ready to apply for your pension? You can apply 90 days before your pension effective date. 


Your retirement is just around the corner! Once you've done some retirement planning, considered your pension options and are ready to retire, you’ll need to apply for your pension – you won’t receive it automatically when you stop working.

When you can apply

The earliest you can apply for your pension is 90 days before your pension effective date, which is the month you want to begin receiving your pension. Note that your pension effective date is not the same as your pension payment date. It’s a good idea to apply as soon as you're eligible to do so, and no later than 30 days before your pension effective date.

Pension effective date Apply on or after
January 1 October 3 (previous year)
February 1 November 3 (previous year)
March 1 December 1 (previous year) (December 2, if a leap year)
April 1 January 1 (January 2, if a leap year)
May 1 January 31 (February 1, if a leap year)
June 1 March 3
July 1 April 2
August 1 May 3
September 1 June 3
October 1 July 3
November 1 August 3
December 1 September 2

Tell your employer that you are retiring

Contact your employer and tell them when you plan to retire and when your last day of work will be. We suggest you provide as much notice as possible.

How to apply for your pension

You can apply for your pension online by signing in to My Account and completing a seven-step application. On the Dashboard page in My Account, start by choosing your pension effective date. When you are within 90 days of your pension effective date, you can start your application:

  1. Review your personal profile information and make any required changes
  2. Confirm information about your spouse (if you are married or in a common-law relationship)
  3. Choose a pension option
  4. Name your primary and alternate beneficiaries
  5. Review and apply for (or waive) the retirement health coverage available to you
  6. Provide your banking information so we can directly deposit your monthly pension payment into your bank account
  7. Review your pension application and submit it

You do not need to complete all 7 steps in one sitting. You can save your application and go back to it at any time before submitting it to the plan. However, please note that delaying your application may also delay the date of your first pension payment.

Certain members are not able to apply for their pension online at this time. This may apply to you, for example, if you are a limited member or if your pension may be divided between you and a former spouse.

Members who cannot apply for their pension online may complete a paper application instead. If you think this may apply to you, contact the plan.

What happens next

After you apply for your pension, we'll review your application and contact you if we need any additional information.

Contact us if you have questions

If you have any questions about the pension application process or timelines, contact us – we’re here to help.


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