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4worldlovers: The MTS Pension Plan (the Plan) is a contributory defined benefit plan providing benefits to certain employees and retirees of Bell Canada and Bell MTS Inc. (together referred to as the Company) as well as some retirees of Manitoba Telecom Services Inc. and its participating subsidiary.

Eligible employees contribute to the Plan by payroll deduction each pay period. These contributions are fully tax-deductible. The Company contributes the amounts necessary to ensure that the Plan can meet its obligations.

Members' eligibility to contribute to an RRSP is reduced each year by the value of the pension they earn from the Plan.

At retirement, members are eligible for a pension based on a formula using their average earnings during the five years of employment when their earnings were the highest and their years of credited service as a member of the Plan.

Members may retire with an unreduced pension at any time after age 55 if their age plus years of continuous service total at least 80. Members may also retire with an unreduced pension at age 60 if they have at least 10 years of continuous service. Members may retire with a reduced pension as early as age 45 if their age plus years of continuous service is at least 60, age 50 if they have at least 10 years of continuous service or age 55 if they have less than 10 years of continuous service.

There is a guaranteed cost of living adjustment (COLA) in the Plan equal to two-thirds of the increase in the Canadian Consumer Price Index (CPI) to a maximum CPI increase of 4%.

4worldlovers: Service Canada provides Canadians with a single point of access to a wide range of government services and benefits.

Apply for benefits if you lose your job, are sick or injured, give birth or become a parent, are a fisher or take care of someone who’s ill. Find out how to submit an EI report.

Canada Pension Plan, Old Age Security, Guaranteed Income Supplement, Retirement planning.

Apply for a SIN, what to do in case of loss or theft of a SIN and information for employees and employers.

Applying for a passport, processing times, service locations, and find out what to do if your passport is lost, stolen or damaged.

Quarterly tax-free credit to offset some or all of the GST or HST paid by lower income Canadians.

File a claim for unpaid wages or other monies when your employer declares bankruptcy or is subject to a receivership.

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