Relationship Breakdowns

What You Need to Know: On March 1, 2019, how benefits can be divided following a relationship breakdown has changed.

  • Common-law pension partners who experience a relationship breakdown have the same rights to split pension benefits as married pension partners do on marriage breakdown. In this situation, either a matrimonial property order (Order) or matrimonial property agreement (Agreement) can be used.
  • Married and common-law pension partners can now use an Agreement to divide the benefit, and not just an Order. Agreements have formal requirements under Alberta legislation and are made before a lawyer.

For more information, please contact 1-877-809-SFPP (7377).

If you're married or in a common-law relationship and your relationship is coming to an end, it's important to understand how your pension benefit might be affected. It's also important for you to contact us as soon as possible so we can ensure our files are up-to-date.

Please review the information below that's relevant to your situation. You can contact us for further information.

If you're married or in a common-law relationship and in the process of separating or getting divorced from your spouse or common-law pension partner (partner), your pension is considered property that may be divided under Alberta's Matrimonial Property Act (soon to be known as the Family Property Act). You or your partner can request a Total Entitlement Estimate which will provide the estimated value of your pension benefit.

Not every separation or divorce will result in your pension benefit being divided. Instead of dividing your pension benefit, you and your partner might agree that other assets of equal value can cover anything owed to each of you, or you might agree not to divide anything at all.

If your pension benefit is going to be divided, we require a court-certified copy of your Order or a fully executed copy of your Agreement that complies with the applicable legislation. Your partner's share of your pension benefit is limited to a maximum of 50% of the value of the pension you earned during the period of joint accrual. After your pension benefit is divided, your portion of the benefit will be reduced accordingly. We suggest that you provide us with a draft Order or Agreement to review. If you do, we can let you know if the Order or Agreement can be administered.

You should let us know as soon as possible once a decision has been made about whether or not your pension will be divided.

It is recommended that you get independent legal advice. You can direct your representative to the Instructions for Lawyers page for more detailed information.

Requesting a Total Entitlement Estimate

If you're considering dividing your pension, an important step is determining the value of the pension benefit that can be divided. This information can be provided in the form of a Total Entitlement Estimate, which can be requested in writing by you or your partner. Regardless of whether you or your partner makes the request, both of you will be sent a copy of the Total Entitlement Estimate.

Please note:

  • A Total Entitlement Estimate is the only statement that will provide you with information about the value of your pension benefit that can be divided. Your annual Pension Highlights should not be used for this purpose as it only includes your total contributions with interest and does not reflect the value of your pension benefit.
    • Requesting a Total Entitlement Estimate will not result in any division of your pension benefit. Please see the information below about dividing your pension benefit.

How to Request a Total Entitlement Estimate

A Total Entitlement Estimate must be requested in writing. The request must contain the following information:

  • the signature of the person making the request;
  • the full names, current addresses and current phone numbers for both you and your partner; and
  • the beginning and end date of the period of joint accrual.

Please note that a written request for a Total Entitlement Estimate can also be made by your lawyer or your partner's lawyer. The Total Entitlement Estimate contact information provided for you and/or your partner can also be care of your lawyer and/or your partner's lawyer. If this is the case, you and your partner must provide an authorization allowing the disclosure of this information to each of your respective lawyer(s). Contact us for information about the request and how to submit it.

Information Provided in a Total Entitlement Estimate

If you're not yet in receipt of a pension, your Total Entitlement Estimate will provide:

  • an estimate of your pension benefit as of the end date of the period of joint accrual;
  • the first date of accumulation of pensionable service under the Plan;
  • if applicable, the date that you terminated from participating in the Plan; and
  • the amount of time that elapsed during the period in which you accrued a benefit in the Plan up to the end date of the period of joint accrual (as specified in the request for the Total Entitlement Estimate) and, if applicable, the amount of time that elapsed during the period of joint accrual.

If you're already in receipt of a pension, your Total Entitlement Estimate will provide:

  • the amount of your monthly pension;
  • the first date of accumulation of pensionable service under the Plan;
  • the date you terminated from participating in the Plan; and
  • the amount of time that elapsed during the period in which you accrued a benefit in the Plan up to the end date of the period of joint accrual (as specified in the request for the Total Entitlement Estimate) and, if applicable, the amount of time that elapsed during the period of joint accrual.

Understanding Your Total Entitlement Estimate

Before You've Started Your SFPP Pension

The Total Entitlement Estimate that is sent to you and your partner will provide an estimate of the total value of benefits accrued by you from the day you began participating in the Plan until the end date of the period of joint accrual that was indicated in the request for the Total Entitlement Estimate.

If your period of joint accrual covers the entire time that you participated in the Plan, the total value of your accrued benefits listed in the Total Entitlement Estimate under the Value of the Benefits Accrued Under the Pension Plan section is the total pre-division benefit. If this is the case, multiply the total pre-division benefit by the division factor (not to exceed 50%) to determine your partner’s estimated entitlement.

If your period of joint accrual covers only a portion of the time that you participated in the Plan, you will need to perform your own calculations to obtain a pro-rated total pre-division benefit. If this is the case, you will need to perform the following calculations to determine your partner’s estimated entitlement using the information provided under the Value of the Benefits Accrued Under the Pension Plan section in your Total Entitlement Estimate:

In the formula above, the elapsed time between the beginning and end dates of the period of joint accrual and the elapsed time between the date you first enrolled in the plan and the end date of the period of joint accrual, are both found in the Service section of your Total Entitlement Estimate. Please note that if the start date of the period of joint accrual was not indicated in the request for the Total Entitlement Estimate, the amount of pensionable service accumulated during the period of joint accrual will also need to be pro-rated before it is used in the formula above.

To estimate your partner’s entitlement, multiply the pro-rated total pre-division benefit by the division factor (not to exceed 50%).

After You've Started Your SFPP Pension

The Total Entitlement Estimate that will be sent to you and your partner will provide you with information regarding your pension benefit, including the amount of your monthly pension payment and the amount of time that elapsed during which you accrued that entitlement. Your partner is entitled to up to 50% of the pension benefit that you earned during the period of joint accrual.

If your period of joint accrual covers the entire time that you participated in the Plan, the amount of your monthly pension is the total pre-division benefit. If this is the case, to determine your partner’s estimated entitlement, multiply the total pre-division benefit by the division factor (not to exceed 50%).

If your period of joint accrual covers only a portion of the time that you participated in the Plan, you will need to perform your own calculations to obtain a pro-rated total pre-division benefit. If this is the case, you will need to perform the following calculations to determine your partner’s estimated entitlement using the information provided in your Total Entitlement Estimate:

In the formula above, the elapsed time between the beginning and end dates of the period of joint accrual and the elapsed time between the date you first enrolled in the plan and the end date of the period of joint accrual, are both found in your Total Entitlement Estimate letter. Please note that if the start date of the period of joint accrual was not indicated in the request for the Total Entitlement Estimate letter, the elapsed time between the beginning and end dates of the period of joint accrual will also need to be pro-rated before it is used in the formula above.

To estimate your partner’s entitlement, multiply the pro-rated total pre-division benefit by the division factor (not to exceed 50%).

Not Dividing Your Pension Benefit

Specific information is required to update your records if your pension benefit is not being divided. Please review the information below that is relevant to your situation. You can contact us for further information.

Please note that even if your pension benefit isn't being divided but you've obtained an Order that confirms that your pension won't be divided, please send us a court-certified copy of your Order. Similarly, if you have obtained a fully executed Agreement that your pension won’t be divided, please send us a copy of your Agreement.

If You're Separated From Your Partner and Your Pension is Not Yet in Pay

If you're separated from your partner and your pension is not yet in pay, the amount of time your partner will remain your pension partner will depend on whether you had been married or had been living common-law prior to your separation.

If you had been married prior to your separation, whether or not your partner will remain your pension partner will depend on the length of time that you have been separated:

  • If you've been separated (but not divorced) for fewer than 3 years, your partner will remain your pension partner until you have been separated for at least 3 years. If you plan to commence your pension prior to being separated for more than 3 years, you will need to choose a joint lifetime pension option with your partner named as your pension partner. The only exceptions to this rule would be if your partner completed a pension waiver or if you had obtained an Order or Agreement.
  • If you've been separated (but not divorced) for at least 3 years before you commence to be paid your pension, you're considered to be long-separated from your partner and no longer your pension partner. If you plan to commence your pension after having been separated for more than 3 years, you will be able to choose a single lifetime pension option.

Once you have been separated (but not divorced) for at least 3 years, you can update your records to reflect that your partner is no longer your pension partner by providing us with specific documentation:

  • If you have obtained an Order, please provide us with a court-certified copy of the Order.
  • If you have obtained an Agreement, please provide us with a copy of that Agreement. When you are about to commence receipt of your pension benefits, we'll send you a specific statutory declaration with your Agreement attached as Exhibit “A” that must be completed and submitted to us.
  • If you have not obtained an Order or an Agreement, please contact us so that we can send you a specific statutory declaration that must be completed and submitted to us before your pension commencement date.

If you had been living common-law prior to your separation, you can update your common-law pension partner status by completing the necessary statutory declaration. Please contact us to obtain the correct statutory declaration.

Please note, additional documentation may be required prior to commencing to receive your pension. The documentation that will be required will depend on the length of time that you have been separated:

  • If you plan to commence your pension prior to being separated for more than 1 year, your partner will need to complete a specific statutory declaration. The only exception to this rule would be if you had obtained an Order or Agreement.
  • If you plan to commence your pension after being separated for at least 1 year, your records will be reviewed to determine if you will be required to complete a statutory declaration regarding your partner’s property rights to your pension benefits, or if your partner should be sent a letter of enquiry regarding property rights to your pension benefits. The only exception to this rule would be if you had obtained an Order or Agreement.

Please note:

  • If you have obtained an Order, please provide us with a court-certified copy of the Order.
  • If you have obtained an Agreement, please provide us with a copy of that Agreement. When you are about to commence receipt of your pension benefits, we'll send you a specific statutory declaration with your Agreement attached as Exhibit “A” that must be completed and submitted to us.

If You're Separated From Your Partner and Your Pension is Already in Pay

If you're separated from your partner and your pension is already in pay, the updates that can be made to your records will depend on whether you chose a joint lifetime pension option or a single lifetime pension option at the time you retired.

  • If you chose a joint lifetime pension option with your partner as your pension partner, your partner will continue to be entitled to survivor benefits if you pass away before them. This is because once you start to receive your pension, your chosen pension option cannot be changed.* However, please note that if your partner waives all rights to your pension, and you and your partner can obtain an Order or Agreement reflecting this, your partner’s survivor benefit can be re-assigned to your estate or beneficiary(ies). This means that in the event that you die before your partner, the survivor pension that would have otherwise been paid to your partner will instead be re-assigned from your partner to your estate or beneficiary(ies) and will be paid to your estate or beneficiary(ies) until the time of your partner’s death.
  • If you chose a single lifetime pension option with a 5, 10 or 15-year guaranteed period and your pension partner had completed a pension waiver at that time, you may then have designated your partner as your beneficiary. If the guarantee period has not yet expired, you can update your beneficiary(ies) on mypensionplan.ca or by sending us a completed Designation of Beneficiary(ies) form.

*Please be aware that effective March 1, 2021 or sooner, the available options will change. More details about the changes will be added once available.

If Your Divorce is Finalized Before You Commence to be Paid Your Pension

If your divorce is finalized before you commence to be paid your pension, your partner will no longer be your pension partner. You can update your records to reflect that your partner is no longer your pension partner by providing us with a divorce certificate. In addition, you may be required to provide additional documentation:

  • If you have obtained an Order, please provide us with a court-certified copy of the Order.
  • If you have obtained an Agreement, please provide us with a copy of that Agreement. When you are about to commence receipt of your pension benefits, we'll send you a specific statutory declaration with your Agreement attached as Exhibit “A” that must be completed and submitted to us.
  • If you have not obtained an Order or an Agreement, please contact us so that we can send you a specific statutory declaration that must be completed and submitted to us before your pension commencement date.

If Your Divorce is Finalized After You Commence to be Paid Your Pension

If your divorce is finalized after you commence to be paid your pension, the updates that can be made to your records will depend on whether you chose a joint lifetime pension option or a single lifetime pension option at the time you retired.

  • If you chose a joint lifetime pension option with your partner as your pension partner, your partner will continue to be entitled to survivor benefits if you pass away before them. This is because once you start to receive your pension, your chosen pension option cannot be changed.* However, please note that if your partner waives all rights to your pension, and you and your partner obtain an Order or Agreement reflecting this, your partner’s survivor benefit can be re-assigned to your estate or beneficiary(ies). This means that in the event that you die before your partner, the survivor pension that would have otherwise been paid to your partner will instead be re-assigned from your partner to your estate or beneficiary(ies) and will be paid to your estate or beneficiary(ies) until the time of your partner’s death.
  • If you chose a single lifetime pension option with a 5, 10 or 15-year guaranteed period and your pension partner had completed a pension waiver at that time, you may then have designated your partner as your beneficiary. If the guarantee period has not yet expired, you can update your beneficiary(ies) on mypensionplan.ca or by sending us a completed Designation of Beneficiary(ies) form.

*Please be aware that effective March 1, 2021 or sooner, the available options will change. More details about the changes will be added once available.

Dividing Your Pension Benefit

Obtain a Total Entitlement Estimate

A Total Entitlement Estimate will provide you and your partner with information about the value of your pension benefit.

For more information, see the Requesting a Total Entitlement Estimate section of this page, or contact us.

Determine whether you will be using an Order or Agreement to divide your pension.

To divide your pension benefit, you must obtain an Order or Agreement that provides specific instruction on how your pension benefit is to be divided.

If you choose to use an Order

Start Drafting Your Order

For information on the process of obtaining an Order, please speak to a lawyer.

For information about what your Order must include and for sample draft Orders, see the Getting an Order section of this page. It is recommended that your draft Order be reviewed by us prior to proceeding to the next step.

File Your Order with the Court and Obtain a Court-Certified Copy

An Order is not enforceable until it has been signed by a judge and filed by a clerk of the Court.

Immediately after the Order is filed, request a court-certified copy of your Order that is stamped as a true copy of the original and signed by a clerk of the Court. You will need to provide this court-certified copy to our pension benefit services provider, Alberta Pensions Services Corporation (APS).

For information on how to file your Order with the Court, or obtain a court-certified copy, please speak to a lawyer or the Court.

Submit a Court-Certified Copy of Your Order to APS

In order to divide your pension benefit, we require a court-certified copy of your Order. This copy must be sent or delivered to SFPP at the following address:

Special Forces Pension Plan
c/o Alberta Pensions Services Corporation
5103 Windermere Blvd. SW
Edmonton AB T6W 0S9

Fax: 780-421-1652

If you choose to use an Agreement

Start Drafting Your Agreement

For information on the process of obtaining an Agreement, please speak to a lawyer.

For information about what your Agreement must include, see the Getting an Agreement section of this page.

It is recommended that your draft Agreement be reviewed by us prior to proceeding to the next step.

Complete your Agreement

Complete your Agreement in accordance with the requirements outlined in the Getting an Agreement section of this page.

An Agreement is not administrable unless it includes all of the formal requirements outlined in the Getting an Agreement section.

Submit a Copy of Your Complete Agreement to APS

In order to divide your pension benefit, we require a copy of your complete Agreement. This copy must include all of the formal requirements outlined in the Getting an Agreement section of this page. The copy can be provided to us by dropping it off in our secure mailbox outside of the APS location by mail, fax, or by using the Secure Mailbox on mypensionplan.ca.

Special Forces Pension Plan
c/o Alberta Pensions Services Corporation
5103 Windermere Blvd. SW
Edmonton AB T6W 0S9

Fax: 780-421-1652

If you're dividing your pension benefit, we require a court-certified copy of your Order or your complete Agreement that complies with the applicable legislation. We recommend that you provide APS with a draft of your Order or Agreement before it has been finalized so that APS can make sure that it complies with the applicable legislation.

The type of benefit that is available to your partner and how that benefit will be paid will depend on whether the division will take place before or after your pension is in pay. If your pension benefit is to be divided before your pension is in pay, your partner will be paid a lump–sum portion of your total pension benefits. If your pension benefit is to be divided after your pension is in pay, your partner will be paid a portion of each of your monthly pension payments.*

If you're considering starting to receive your pension benefits while you are in the process of getting an Order or Agreement to divide your pension benefit, you and your partner will need to consider whether a lump-sum division is the preferred option.

In order for your partner to receive a lump-sum payment, the Order or Agreement must be filed with us prior to your selected pension commencement date. Once your selected pension commencement date has passed, the lump-sum payment option to your partner will no longer be available.

*Please be aware that effective March 1, 2021 or sooner, the available options will change. More details about the changes will be added once available.

Before Your Pension is in Pay

If you're dividing your pension benefit before your pension is in pay, the lump-sum benefit that's available to your partner, and when and how that benefit will be paid, will depend on your age and whether or not you're vested at the end date of the period of joint accrual.

If You're Not Vested at the End Date of the Period of Joint Accrual

If you're not vested at the end date of the period of joint accrual, your partner is entitled to an immediate lump-sum amount that can be paid as a taxable cash refund or transferred to a registered retirement savings plan (RRSP). This lump-sum amount cannot be more than 50% of the SFPP contributions associated with the period of joint accrual.

If You're Vested But Not Yet Age 45 at the End Date of the Period of Joint Accrual

If you're vested but not yet age 45 at the end date of the period of joint accrual, your partner is entitled to a lump-sum amount that must be transferred to a locked-in retirement account (LIRA). This lump-sum amount cannot be more than 50% of the commuted value associated with the period of joint accrual. The commuted value amount will be calculated as if you terminated from participating in the Plan at the end of the period of joint accrual and assumes that you would commence to be paid a pension at age 55.

If You're Vested and Age 45 or Older at the End Date of the Period of Joint Accrual

If you're vested and age 45 or older at the end date of the period of joint accrual, your partner is entitled to a lump-sum amount that must be transferred to a LIRA. This lump-sum amount cannot be more than 50% of the commuted value associated with the period of joint accrual. Your partner can decide between being paid the lump-sum amount right away (an immediate division) or delaying the payment until either the date you receive your pension benefit or until the time of your death if you pass away before receiving your pension benefit (a delayed division).

In the case of an immediate division, the commuted value amount will be calculated as if you terminated from participating in the Plan at the end date of the period of joint accrual.

In the case of a delayed division, the commuted value amount will be calculated as at the time your pension benefit is actually paid. The salary used for this calculation will be the best 5 years at the time of the pension event (retirement, transfer, or death).

Please note that all benefit statements and estimates, including Pension Highlights, that are sent to you before your pension benefit is divided will display the total pension benefit including your partner's portion. Once the delayed division has occurred, your pension benefit will be reduced to account for the payment made to your partner. All future annual Pension Highlights that you receive will reflect your reduced pension benefit.

After Your Pension Benefit is Divided

If Your Partner Chose an Immediate Lump-Sum Division

If your partner chose an immediate lump-sum division, after the division has taken place you will be provided with a statement containing:

  • the date of the division, and
  • information about the remaining benefits to which you will be entitled.

Your pension benefit will be reduced by a "pension offset" to account for the portion of your pension benefit that was paid to your partner. All future annual Pension Highlights that you receive will reflect your reduced pension benefit.

If you were married to your partner, your records will be updated to reflect that your partner is no longer your pension partner after the division of your pension benefit or when we receive your divorce certificate, whichever occurs first. We require a copy of your divorce certificate to update your marital status from "married" to "divorced.”

If you were in a common-law relationship with your partner, your records will be updated to reflect that your partner is no longer your pension partner after the division of your pension benefit or when we receive the necessary statutory declaration, whichever occurs first. Please contact us to obtain the statutory declaration that is applicable to your situation. We require the completed statutory declaration to update your records from “common-law” to “single.”

If Your Partner Chose A Delayed Lump-Sum Division

If your partner chose a delayed lump-sum division, your partner will receive their portion of your pension benefit when your benefit is paid. Both you and your partner will be provided with statements containing information about the portion of the benefits to which each of you are entitled. The benefit shown in your statement will already be reduced to account for the portion of the benefit payable to your partner.

If you were married to your partner, your records will be updated to reflect that your partner is no longer your pension partner after the division of your pension benefit or when we receive your divorce certificate, whichever occurs first. We require a copy of your divorce certificate to update your marital status from "married" to "divorced.”

If you were in a common-law relationship with your partner, your records will be updated to reflect that your partner is no longer your pension partner after the division of your pension benefit or when we receive the necessary statutory declaration, whichever occurs first. Please contact us to obtain the statutory declaration that is application to your situation. We require the completed statutory declaration to update your records from “common-law” to “single.”

After Your Pension is in Pay

If you're dividing your pension benefit after your pension is in pay, your partner will be paid a portion of each of your monthly pension payments.* A lump-sum payment is not an option.

Your partner's share of your pension benefit is limited to a maximum of 50% of the portion of each of your monthly pension payments that relates to the benefit that was earned during the period of joint accrual.

*Please be aware that effective March 1, 2021 or sooner, the available options will change. More details about the changes will be added once available.

After Your Pension Benefit is Divided

If your benefit is divided after your pension is in pay, once the division has taken place you'll be provided with a statement containing:

  • the date of the division, and
  • information about the remaining benefits to which you will be entitled.

Your pension benefit will be reduced to account for the portion of your pension benefit that is being paid to your partner. All future Pensioner Annual Statements will reflect your reduced pension benefit. Your partner will also receive Pensioner Annual Statements regarding their portion of your pension benefit.

Dividing a pension that is in pay does not mean that you are changing your pension choice. If, at the time you retired, you chose a joint lifetime pension option with your partner as your pension partner, they'll continue to be entitled to survivor benefits if you pass away before them.*

However, please note that if your partner waives all rights to your pension, and you and your partner obtain an Order or Agreement reflecting this, your partner’s survivor benefit can be re-assigned to your estate or beneficiary(ies). This means that in the event that you die before your partner, the survivor pension that would have otherwise been paid to your partner will instead be re-assigned from your partner to your estate or beneficiary(ies) and will be paid to your estate or beneficiary(ies) until the time of your partner’s death.

However, if you chose a single lifetime pension option with a 5, 10 or 15-year guaranteed period, your partner will be entitled to receive their portion until the later of the end of the guaranteed period or your date of death. In addition, you may have designated your partner as the beneficiary of your portion. If the guarantee period has not yet expired, you can update your beneficiary(ies) on mypensionplan.ca or by sending us a completed Designation of Beneficiary(ies) form.

*Please be aware that effective March 1, 2021 or sooner, the available options will change. More details about the changes will be added once available.

Getting an Order

If you're dividing your pension benefit, your Order must always set out:

Once finalized, a court-certified copy of the Order must be sent to the following address:

Special Forces Pension Plan
c/o Alberta Pensions Services Corporation
5103 Windermere Blvd. SW
Edmonton AB T6W 0S9

For more information about Orders, please see the following:

Getting an Agreement

You can also divide your pension benefit by Agreement.

For a written Agreement to be administrable, it must include all of the following:

  • the name of the pension plan or plans to be divided;
  • the beginning and end of the period that pension benefits are considered to have jointly accrued;
  • the "division factor", which is the percentage share of the jointly accrued benefit which is awarded to your partner. This percentage must not exceed 50%;
  • where your partner is eligible, whether or not a delayed division has been chosen; and

must also contain the formalities below:

  1. a written acknowledgement from each of the partners, apart from the other partner,
    1. that the partner is aware of the nature and the effect of the Agreement;
    2. that the partner is aware of the possible future claims to property the partner may have under the Family Property Act, Matrimonial Property Act or Adult Interdependent Relationships Act (whichever legislation is applicable) and that the partner intends to give up these claims to the extent necessary to give effect to the Agreement, and
      • that the partner is executing the Agreement freely and voluntarily without any compulsion on the part of the other partner;
    and
    • each acknowledgement referred to in 1. above must be made before a lawyer other than the lawyer acting for the other partner or before whom the acknowledgement is made by the other partner.

Pension Partner Rights Upon Divorce or Separation

If you divorce or separate, your pension partner may be entitled to a portion of your pension benefits.

In Alberta, an SFPP pension is considered property that can be divided. However, it can only be divided with a partner who fits the criteria of a pension partner.

For more on how divorce or separation may impact your pension:

Active members: check out Relationship Breakdown
Pensioners: check out Relationship Changes During Retirement

Pension Partner Rights Upon Your Death

Before Your Pension is in Pay

Your pension partner receives special protection by law. If you pass away, your pension partner is automatically first in line for any SFPP benefits, including an option to receive lifetime payments. However, they can complete a waiver giving up their right to any benefits. In that case, your beneficiaries may be entitled to survivor benefits.

Getting Ready to Receive Pension Benefits

You are required by law to choose a pension option that will pay a lifetime pension to your pension partner if you pass away before they do. Your pension partner can complete a waiver giving up that right, which will allow you to select a single lifetime pension option and name other beneficiaries as recipients of your pension benefit.

It is important to keep information about your pension partner up-to-date. To ensure your pension partner status and information is still accurate, or to make changes, contact us.