{"id":231629,"date":"2024-06-06T17:14:09","date_gmt":"2024-06-06T21:14:09","guid":{"rendered":"https:\/\/fisa.ca\/retraite\/"},"modified":"2025-01-22T08:54:23","modified_gmt":"2025-01-22T13:54:23","slug":"pension-plan","status":"publish","type":"page","link":"https:\/\/fisa.ca\/en\/pension-plan\/","title":{"rendered":"Pension Plan"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; specialty=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#D6F1DC&#8221; custom_padding=&#8221;||200px||false|false&#8221; custom_padding_tablet=&#8221;0px||150px||false|false&#8221; custom_padding_phone=&#8221;0px||69px||false|false&#8221; bottom_divider_style=&#8221;wave&#8221; bottom_divider_color=&#8221;#FFFFFF&#8221; bottom_divider_height=&#8221;200px&#8221; bottom_divider_flip=&#8221;vertical|horizontal&#8221; bottom_divider_height_tablet=&#8221;100px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||1px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700||on|||||&#8221; text_text_color=&#8221;#64C991&#8243; text_letter_spacing=&#8221;1px&#8221; text_line_height=&#8221;1.1em&#8221; header_5_font=&#8221;|700||on|||||&#8221; header_5_text_color=&#8221;#64C991&#8243; header_5_font_size=&#8221;12px&#8221; header_5_letter_spacing=&#8221;1px&#8221; header_5_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;||17px|||&#8221; custom_padding=&#8221;75px||||false|false&#8221; custom_padding_tablet=&#8221;75px||||false|false&#8221; custom_padding_phone=&#8221;30px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<span class=\"OYPEnA text-decoration-none text-strikethrough-none\"><span>Will you have enough income for your retirement?<\/span><\/span>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;3px||14px|||&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;40px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><span><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Are you familiar with our Salaried Pension Plan (RRFS-FISA)?<\/span><\/span><\/h1>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; 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button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221;][\/et_pb_button][\/et_pb_column_inner][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;#deja-adherent&#8221; button_text=&#8221;Already a member?&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#263D50&#8243; button_bg_color=&#8221;#D6F1DC&#8221; button_border_width=&#8221;1px&#8221; button_border_color=&#8221;#263D50&#8243; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;|||-80px|false|false&#8221; custom_margin_tablet=&#8221;|||-100px|false|false&#8221; custom_margin_phone=&#8221;-18px|||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; custom_padding_tablet=&#8221;10px|30px|10px|30px|true|true&#8221; custom_padding_phone=&#8221;10px|30px|10px|30px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_enable_color__hover=&#8221;on&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_size__hover_enabled=&#8221;off|desktop&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221;][\/et_pb_button][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-10.png&#8221; alt=&#8221;R\u00e9gime de retraite RRFS-FISA pour bien pr\u00e9parer ses vieux jours&#8221; title_text=&#8221;6 pages Maquette du site FISA (10)&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;center&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Se syndiquer&#8221; module_id=&#8221;plus&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;25px||100px||false|false&#8221; custom_padding_tablet=&#8221;25px||100px||false|false&#8221; custom_padding_phone=&#8221;25px||25px||false|false&#8221; top_divider_height=&#8221;160px&#8221; top_divider_repeat=&#8221;1x&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/10\/Fisa_tableau-1.svg&#8221; alt=&#8221;Comparaison REER collectif et RRFS &#8211; FISA&#8221; title_text=&#8221;Fisa_tableau&#8221; align=&#8221;center&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||-1px|||&#8221; custom_padding=&#8221;||15px|||&#8221; text_font_size_phone=&#8221;10px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">*Studies show that it is necessary to contribute twice as much to a group RRSP or defined contribution plan to obtain the same guarantees as a defined benefit plan.<\/span><\/p>\n<p class=\"cvGsUA direction-ltr align-justify para-style-body\" style=\"text-align: justify;\">[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b>Find out more about this pension plan<\/b><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>What is an \u201cRRFS\u201d employee-funded pension plan?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The RRFS-FISA employee-funded pension plan is a defined-benefit, career-salary, employee-funded pension plan (RRFS). This plan : <\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Protects you against increases in the cost of living. <\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Maintains your purchasing power by indexing your annuity. <\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Offers a guaranteed annuity for life! <\/strong><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Much more advantageous than a group RRSP.<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">A pension plan is synonymous with comfort, security, health and leisure! Joining FISA means benefiting from a defined-benefit pension plan. What if you could enjoy retirement without depriving yourself? To benefit from this plan, you must be a member of a FISA-affiliated union. Whether you are or not, we can help and inform you.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;mailto:retraite@fisa.ca&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Contact us!&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#263D50&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Services aux membres&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-2.png&#8221; custom_padding=&#8221;5%||5%||true|false&#8221; custom_padding_tablet=&#8221;5%||5%||true|false&#8221; custom_padding_phone=&#8221;10%||0%||false|false&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;11px||8px|||&#8221; custom_padding_tablet=&#8221;11px||8px|||&#8221; custom_padding_phone=&#8221;11px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"color: white;\">Who participates in RRFS-FISA?<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; link_text_color=&#8221;#263D50&#8243; custom_margin=&#8221;||-1px|||&#8221; custom_padding=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<span style=\"font-weight: 400;\">Members of participating FISA-affiliated unions. Not a member?<\/span><\/p>\n<p class=\"cvGsUA direction-ltr align-justify para-style-body\" style=\"text-align: justify;\">[\/et_pb_text][et_pb_button button_url=&#8221;#contactretraite&#8221; button_text=&#8221;Become one!&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#263D50&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;||34px|||&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;T\u00e9moignages&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#D6F1DC&#8221; custom_margin=&#8221;||29px|||&#8221; custom_padding=&#8221;19px||3px|||&#8221; custom_padding_tablet=&#8221;19px||3px|||&#8221; custom_padding_phone=&#8221;19px||50px||false|false&#8221; top_divider_height=&#8221;160px&#8221; top_divider_repeat=&#8221;1x&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700||on|||||&#8221; text_text_color=&#8221;#64C991&#8243; text_font_size=&#8221;12px&#8221; text_letter_spacing=&#8221;1px&#8221; text_line_height=&#8221;0.8em&#8221; custom_margin=&#8221;110px||||false|false&#8221; custom_margin_tablet=&#8221;110px||||false|false&#8221; custom_margin_phone=&#8221;20px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u2014 My pension<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;60px|||||&#8221; custom_padding_phone=&#8221;15px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>How is my retirement pension determined?<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The \u201cnormal\u201d annual pension is the pension accumulated before the reduction applicable for early retirement. For each year of participation, the annual pension corresponds to 10% of the total contributions paid by you and your employer.<br \/><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2023\/10\/Projet-de-site-Web-FISA-Section-850-x-850-px.png&#8221; alt=&#8221;Personne heureuse de la planification de sa retraite avec le RRFS-FISA&#8221; title_text=&#8221;Projet de site Web FISA Section 850 x 850 px&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; width=&#8221;84%&#8221; module_alignment=&#8221;left&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; disabled_on=&#8221;on|on|off&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;T\u00e9moignages&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;||29px|||&#8221; custom_padding=&#8221;19px||3px|||&#8221; custom_padding_tablet=&#8221;19px||3px|||&#8221; custom_padding_phone=&#8221;19px||50px||false|false&#8221; top_divider_height=&#8221;160px&#8221; top_divider_repeat=&#8221;1x&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-3.png&#8221; alt=&#8221;Personne heureuse de la planification de sa retraite avec le RRFS-FISA&#8221; title_text=&#8221;L&#8217;insouciance quand on est bien prot\u00e9g\u00e9&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;60px|||||&#8221; custom_padding_tablet=&#8221;60px|||||&#8221; custom_padding_phone=&#8221;15px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Eligibility and membership<\/span><\/b><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>What are the eligibility rules for joining the plan?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: justify;\"><strong>All employees join the plan on January 1 of the year following the year in which they worked and who, during the calendar year, earned at least 35% of the MPE or worked 700 hours. The collective agreement applicable to the employee, if any, takes precedence over the above eligibility rules.<br \/>\n<\/strong><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>Is plan membership mandatory?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Yes, participation in the plan is mandatory for all employees who have reached the eligibility date.<br \/>\n<\/span><\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;#contactretraite&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Join now!&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#263D50&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;\u00c0 la une&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#D6F1DC&#8221; custom_margin=&#8221;||-3px||false|false&#8221; custom_padding=&#8221;218px||5px||false|false&#8221; custom_padding_tablet=&#8221;40px||||false|false&#8221; custom_padding_phone=&#8221;5px||5px||false|false&#8221; top_divider_style=&#8221;wave&#8221; top_divider_color=&#8221;#FFFFFF&#8221; top_divider_height=&#8221;150px&#8221; top_divider_flip=&#8221;vertical&#8221; top_divider_height_tablet=&#8221;100px&#8221; top_divider_height_phone=&#8221;50px&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;11px||8px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;85px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b>Who funds the RRFS?<\/b><\/h2>\n<p>[\/et_pb_text][et_pb_accordion open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; icon_color=&#8221;#263D50&#8243; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;20px&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; toggle_level=&#8221;h3&#8243; toggle_font_size=&#8221;14px&#8221; closed_toggle_font_size=&#8221;14px&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Am I required to contribute to the plan?&#8221; open=&#8221;on&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; toggle_icon=&#8221;&#x4b;||divi||400&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.2em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;15px|0px|15px|0px|true|false&#8221; border_width_all=&#8221;0px&#8221; border_width_top=&#8221;2px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Yes, the employer deducts from your pay a mandatory employee contribution as described below. This contribution is tax-deductible directly through your payroll.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How are employee contributions calculated?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">The employee contribution is equal to the difference between the total required contribution to the RRFS and the negotiated employer contribution.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Employee and employer contributions to the RRFS are as follows:&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">The employee contribution is the portion deducted from your pay. It is determined at least in accordance with your collective agreement or contract with your employer. In the RRFS-FISA, you can contribute up to 9% of your eligible salary. You must establish your contribution level at the time of enrolment, and at any time thereafter, using the \u201cDetermination of contribution level\u201d form. Failure to complete this form will result in the minimum contribution being deducted. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">For its part, the employer pays a fixed contribution of a certain percentage of your eligible salary. This percentage is specified in your collective agreement or contract with your employer.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I make voluntary contributions?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">You can make voluntary contributions in excess of your employee contributions, up to the tax limit. No employer contributions will be made against your voluntary contributions.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I transfer money into the plan from another plan?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">You can transfer any amount from:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">another pension plan (RPP); <\/span><\/li>\n<li><span style=\"font-weight: 400;\">a registered retirement savings plan (RRSP); <\/span><\/li>\n<li><span style=\"font-weight: 400;\">a locked-in retirement account (LIRA);\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">a deferred profit-sharing plan (DPSP).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your contribution transfers are deposited with the Pension Fund in a separate account in your name. An annually varying rate of return, based on the Caisse&#8217;s rate of return, will be credited to your contribution transfers, just as it is for voluntary contributions. We suggest you contact the contact person for further details.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I withdraw my voluntary contributions or transfers from a previous plan?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">You may withdraw your voluntary contributions with interest and amounts transferred from a former plan only once during your career, with at least 30 days&#8217; notice. The balance of voluntary contributions, if any, will be refunded upon termination of employment or converted to an annuity upon retirement.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What is the impact of amounts transferred from another plan?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Amounts transferred from another plan will provide you with additional retirement income. Your contact person can provide you with more information.\u00a0<\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_button button_url=&#8221;#contactretraite&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Contribute to your retirement!&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#263D50&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;||48px|||&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-4.png&#8221; alt=&#8221;La retraite en toute insouciance avec le RRFS-FISA&#8221; title_text=&#8221;Couple senior heureux de profiter de leur retraite&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Blogue (nouvelles)&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#D6F1DC&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;31px||0px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; top_divider_height=&#8221;200px&#8221; top_divider_flip=&#8221;vertical&#8221; bottom_divider_style=&#8221;wave&#8221; bottom_divider_color=&#8221;#FFFFFF&#8221; bottom_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_height_tablet=&#8221;&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;T\u00e9moignages&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;||-2px|||&#8221; custom_padding=&#8221;19px||50px||false|false&#8221; custom_padding_tablet=&#8221;19px||3px|||&#8221; custom_padding_phone=&#8221;19px||50px||false|false&#8221; top_divider_height=&#8221;160px&#8221; top_divider_repeat=&#8221;1x&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-5.png&#8221; alt=&#8221;Couple \u00e0 l&#8217;\u00e2ge de la retraite &#8211; FISA&#8221; title_text=&#8221;Couple \u00e0 l&#8217;\u00e2ge de la retraite&#8221; align=&#8221;center&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;47px|||||&#8221; custom_padding_tablet=&#8221;47px|||||&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Retirement dates<\/span><\/b><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>At what age can I take normal retirement?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The \u201cnormal\u201d retirement date is the <strong>1st day of the month following or coinciding with your 65th birthday<\/strong>.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>Can I retire before age 65?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>It is not possible to take an unreduced pension before the normal retirement date. <strong>You can retire at age 55 or over<\/strong>. If you have not reached normal retirement age, you will take early retirement with a pension reduction. The applicable reduction is one per actuarial equivalent for each month between your early retirement date and your normal retirement date.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Services aux membres&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-6.png&#8221; background_position=&#8221;top_left&#8221; background_horizontal_offset=&#8221;29%&#8221; custom_padding=&#8221;5%||5%||true|false&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;11px||8px|||&#8221; custom_padding_tablet=&#8221;11px||8px|||&#8221; custom_padding_phone=&#8221;50px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding=&#8221;8px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Buying back years of service<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: justify;\"><b>Can I buy back years of service to increase my pension?<\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;||-1px|||&#8221; custom_padding=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">It is possible to buy back years of eligible prior service. Eligible service is service with a former employer with eligible RPP service, or with the employer prior to joining the plan.<\/span><\/p>\n<p class=\"cvGsUA direction-ltr align-justify para-style-body\" style=\"text-align: justify;\">[\/et_pb_text][et_pb_button button_url=&#8221;#contactretraite&#8221; button_text=&#8221;Increase your pension!&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;15px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#263D50&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;RGBA(255,255,255,0)&#8221; button_border_radius=&#8221;30px&#8221; button_font=&#8221;||||||||&#8221; button_use_icon=&#8221;off&#8221; custom_margin=&#8221;||22px|||&#8221; custom_padding=&#8221;10px|30px|10px|30px|true|true&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; button_bg_color__hover=&#8221;#3BAF29&#8243; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_use_color_gradient__hover=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;T\u00e9moignages&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;||72px|||&#8221; custom_padding=&#8221;19px||3px|||&#8221; custom_padding_tablet=&#8221;19px||3px|||&#8221; custom_padding_phone=&#8221;0px||15px||false|false&#8221; top_divider_height=&#8221;160px&#8221; top_divider_repeat=&#8221;1x&#8221; top_divider_flip=&#8221;horizontal|vertical&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;34px|auto||auto||&#8221; custom_padding=&#8221;||0px|||&#8221; custom_padding_tablet=&#8221;||0px|||&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-7.png&#8221; alt=&#8221;Les joies de la retraite : profiter de ses petits-enfants avec le RRFS-FISA&#8221; title_text=&#8221;Les joies de la retraite : profiter de ses petits-enfants&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; module_alignment=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||28px|||&#8221; custom_padding=&#8221;23px|||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Placement<\/span><\/b><\/h2>\n<p>[\/et_pb_text][et_pb_accordion open_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; closed_toggle_background_color=&#8221;RGBA(255,255,255,0)&#8221; toggle_icon=&#8221;&#x4c;||divi||400&#8243; icon_color=&#8221;#263D50&#8243; use_icon_font_size=&#8221;on&#8221; icon_font_size=&#8221;20px&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; toggle_level=&#8221;h3&#8243; toggle_font_size=&#8221;14px&#8221; closed_toggle_font_size=&#8221;14px&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Who manages the plan&#8217;s fund assets?&#8221; open=&#8221;on&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; toggle_icon=&#8221;&#x4b;||divi||400&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.2em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;15px|0px|15px|0px|true|false&#8221; border_width_all=&#8221;0px&#8221; border_width_top=&#8221;2px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The Retirement Committee is ultimately responsible for managing your pension plan&#8217;s fund assets. To this end, the Retirement Committee has a written investment policy that sets out the guidelines and framework for investments that may be made by the Plan&#8217;s fund managers. The Retirement Committee selects the investment vehicles, but does not manage them. The investment managers do. <\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How is the Retirement Committee made up?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">The Retirement Committee is made up of 7 to 9 members. The members of the Retirement Committee, with voting rights, are designated as follows:\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Two (2) members appointed by the union council; <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Two (2) members appointed by SEFISA; <\/span><\/li>\n<li><span style=\"font-weight: 400;\">One (1) person designated by active members at the annual meeting. Failing such designation, a participant designated by the union council; <\/span><\/li>\n<li><span style=\"font-weight: 400;\">One (1) person designated, where applicable, by non-active participants and beneficiaries, at the annual meeting. Failing such designation, a participant or beneficiary designated by the union council;<\/span><\/li>\n<li><span style=\"font-weight: 400;\">One (1) independent member appointed by the union council.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Two (2) additional members designated, where applicable, by the group made up of active members and the group made up of non-active members and beneficiaries at the annual meeting. Additional members have the same rights as other Pension Committee members, with the exception of voting rights.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What is the term of office for a member of the Retirement Committee?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Retirement Committee members are appointed for renewable terms of up to three years.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I become a member of the Retirement Committee?&#8221; open_toggle_text_color=&#8221;#263D50&#8243; closed_toggle_text_color=&#8221;#263D50&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;1.1em&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; custom_padding=&#8221;0px|0px|15px|0px|false|false&#8221; border_width_all=&#8221;0px&#8221; border_color_top=&#8221;#263D50&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#263D50&#8243; global_colors_info=&#8221;{}&#8221; toggle_text_color=&#8221;#263D50&#8243; toggle_font=&#8221;|700||on|||||&#8221; toggle_font_size=&#8221;14px&#8221; closed_toggle_font=&#8221;|||on|||||&#8221; closed_toggle_font_size=&#8221;14px&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">You can apply for one of the positions of representative of active or inactive members and beneficiaries, depending on your status, at the Pension Plan&#8217;s annual meeting. You will receive a notice inviting you to attend the annual meeting. Join the committee!<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"text-decoration: underline;\"><a href=\"mailto:info@fisa.ca\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Participez au comit\u00e9!<\/span><\/a><\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Infolettre&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/fisa.ca\/wp-content\/uploads\/2024\/06\/6-pages-Maquette-du-site-FISA-8.png&#8221; background_position=&#8221;top_right&#8221; background_horizontal_offset=&#8221;18%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;7.4%||7.4%||true|false&#8221; custom_padding_tablet=&#8221;7.4%||7.4%||true|false&#8221; custom_padding_phone=&#8221;7.4%||0%||false|false&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|auto|4px|auto||&#8221; custom_padding=&#8221;13px||0px|||&#8221; custom_padding_tablet=&#8221;13px||0px|||&#8221; custom_padding_phone=&#8221;50px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><span class=\"OYPEnA text-decoration-none text-strikethrough-none\">Get answers to your questions<\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><b>Where can I go for general information on pension plans? <\/b><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<strong>Retraite Qu\u00e9bec<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Gather information on the Quebec Pension Plan under <\/span><a href=\"http:\/\/www.retraitequebec.gouv.qc.ca\/fr\/Pages\/accueil.aspx\"><span style=\"font-weight: 400; text-decoration: underline; color: #fff;\">this link<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b>Old Age Security Pension (OAS)<\/b><\/p>\n<p><a href=\"https:\/\/www.canada.ca\/fr\/emploi-developpement-social\/services\/pension\/rapports.html\"><span style=\"text-decoration: underline; color: #fff;\">Click here<\/span><\/a> for information on the Canadian government&#8217;s Old Age Security program.[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Nous joindre&#8221; module_id=&#8221;contactretraite&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;105px||30px||false|false&#8221; custom_padding_tablet=&#8221;50px||50px||false|false&#8221; custom_padding_phone=&#8221;0px||0px||false|false&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||43px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; custom_margin=&#8221;||14px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;40px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><span class=\"OYPEnA text-decoration-none text-strikethrough-none\"><b>Any questions?<\/b><\/span><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_2_font_size=&#8221;35px&#8221; header_3_text_color=&#8221;#429595&#8243; header_3_font_size=&#8221;20px&#8221; header_3_letter_spacing=&#8221;0.5px&#8221; custom_margin=&#8221;||12px|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span class=\"OYPEnA text-decoration-none text-strikethrough-none\"><b>Contact us or join the RRFS-FISA (R\u00e9gime de retraite par financement salarial) today.<br \/>\n<\/b><\/span><\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#263D50&#8243; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Call us or write to us using the contact form below, and a retirement resource will contact you as soon as possible. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:retraite@fisa.ca\"><span style=\"font-weight: 400;\">retraite@fisa.ca<\/span><\/a><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Phone: 1 800 407-3472, option 2 or extension 601<\/span><\/p>\n<p>[\/et_pb_text][dsm_icon_list icon_color=&#8221;#429595&#8243; icon_gap_width=&#8221;1em&#8221; icon_padding=&#8221;0px&#8221; icon_font_size=&#8221;30px&#8221; list_layout=&#8221;horizontal&#8221; list_space_between=&#8221;3px&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][dsm_icon_list_child text=&#8221; &#8221; font_icon=&#8221;&#xe0aa;||divi||400&#8243; icon_color=&#8221;#429595&#8243; icon_font_size=&#8221;35px&#8221; url=&#8221;https:\/\/www.facebook.com\/fisaqc?mibextid=LQQJ4d&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_icon_list_child][dsm_icon_list_child text=&#8221; &#8221; font_icon=&#8221;&#xe0b4;||divi||400&#8243; icon_color=&#8221;#429595&#8243; icon_font_size=&#8221;35px&#8221; url=&#8221;https:\/\/ca.linkedin.com\/company\/f%C3%A9d%C3%A9ration-ind%C3%A9pendante-des-syndicats-autonomes-fisa&#8221; url_new_window=&#8221;on&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_icon_list_child][\/dsm_icon_list][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2><b>Who do I contact if I need more information about my pension plan? <\/b><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|auto|4px|auto||&#8221; custom_padding=&#8221;13px||0px|||&#8221; custom_padding_tablet=&#8221;13px||0px|||&#8221; custom_padding_phone=&#8221;0%||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;f97c904e-c601-4d00-a535-6b66e1692d47&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; text_line_height=&#8221;1.4em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">You can contact the FISA Retirement Department: <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:retraite@fisa.ca\"><span style=\"font-weight: 400;\">retraite@fisa.ca<\/span><\/a><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Phone: 1 800 407-3472, option 2 or extension 601<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may also contact the administrator of PBI Actuarial Consultants Ltd. directly at the following coordinates:\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:rrfs-fisa@pbiactuariat.ca\"><span style=\"font-weight: 400;\">rrfs-fisa@pbiactuariat.ca<\/span><\/a><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Phone: 1 877 748-482<br \/><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; 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These key documents include the plan text, internal regulations, investment policy, funding policy, list of delegations, annual financial statements and actuarial valuations. They are available on the RRFS-FISA portal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Retirement Committee can also provide you with a copy of the desired documents within 30 days of receiving your request, which must be submitted in writing.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Will you have enough income for your retirement?Are you familiar with our Salaried Pension Plan (RRFS-FISA)?*Studies show that it is necessary to contribute twice as much to a group RRSP or defined contribution plan to obtain the same guarantees as a defined benefit plan. 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