- MARGE Constitution - learn more about how MARGE works
Questions and Answers - general retirement questions
Thinking of cashing out rather then taking a pension?
Plan members thinking of retiring may be considering removing the value of their benefit in a lump sum. Click here for some things to consider prior to making your decision.
When do I have to give notice of retirement to my employer?
A minimum of 2 weeks is generally required. Check your collective agreement to see if there is an article on this issue.
When should I make application for my various pensions, i.e. Superannuation*, CPP and OAS**?
Please contact the individual Plans to get their information regarding this question.
*Civil Service Superannuation Pension Plan (CSSB) call 204-946-3200 in Winnipeg or toll free 1-800-432-5134 or email email@example.com
**Canada Pension Plan (CPP) and Old Age Security (OAS) call 1-800-454-8731 or go to a Canada Service Centre in your area. Normally on Federal Pensions six months lead time is expected. The MGEU has a Pension and Benefits Specialist on staff who can also assist you, please call 204-982-MGEU (6438) to speak to this person.
Am I eligible for CPP and how much will my monthly benefit be? Am I eligible for OAS? How much will I be receiving in benefits?
Contact the above Canada Service Centre number to discuss these concerns.
How much money will I be getting from my work pension? When will I start receiving my pension cheques? Is there a direct deposit?
Ask the benefits person you speak with at CSSB or CPP to do the calculations
Should something happen to me, will my spouse receive any benefits? If so how much? Do I have Life Insurance?
This will depend on the decision you make when you retire - speak to the benefits person at CSSB or CPP.
Am I going to be covered for Health Benefits when I retire? Who provides these benefits? How can I contact them?
It depends on your collective agreement whether you will receive health benefits when you retire. Speak to your benefits person or CSSB.
To apply for Health and/or Travel benefits through MARGE/Johnson Inc. you must be a dues paying member of MARGE (Manitoba Association of Retired Government Employees Inc.) Please contact the MARGE Office at 204-956-0045/ www.mbgovretirees.ca to apply/pay dues. If you have detailed questions about health or travel insurance please contact Johnson direct at 1-877-989-2600 advising them of your membership in MARGE. You may also look on the Johnson website by visiting http://www.johnson.ca/marge . (MARGE/Johnson also offers Travel Insurance if you are planning for a travelling retirement)
OR You may contact Manitoba Blue Cross to determine what Retirement benefits you are eligible for under Blue Cross. Call 204-775-0151
Do I have to pay income tax on these pensions while I am receiving them?
Can I withdraw monies from my RRSP'S to supplement my Pension and if so, when can that start?
Contact your RRSP provider for clarification on this issue.
Manitoba Government and General Employees' Union - www.mgeu.ca
The Civil Service Superannuation Board (CSSB) - http://cssb.mb.ca/
TRAM Telephone Retirees Association of Manitoba - http://www.traminfo.com/
All Charities Campaign - http://www.allcharitiescampaign.ca/
Manitoba Pension Laws - www.gov.mb.ca/labour/pension/faq/overview/retirementage.html
British Columbia Government Retired Employees' Association - www.bcgrea.com
Disability Tax Credit Services- www.disabilitytaxcreditservices.ca
Senior Scope - http://www.seniorscope.com
University of Winnipeg 55 Plus Program (stimulating courses for persons over 55 at a reasonable cost) - http://pace.uwinnipegcourses.ca/55-plus-program