Frequently Asked Questions - Pension Information

 

Important note: If mail is returned from the last known address of the pension recipient, the CSSB will make reasonable attempts to contact the recipient and update the information. Upon the discretion of the CSSB, further pension payments may cease until contact is made with the pension recipient.

 

If a retroactive pay increase is granted after I leave employment, will my pension increase?

When I retired I didn’t change my CSSB Online Services username/email from my work email address. Can I still access my account?

Why haven’t I received my pension payment?

Why has the amount of my payment decreased?

​Why have there not been any premiums deducted for my life insurance?

Why are my group life/dependents insurance premiums higher when I first retire?

I have a terminal illness. Is it possible to obtain an advance on my life insurance?

I want to or have changed my bank account/financial institution, how do I change my direct deposit information for my pension payments?

Why can't I update my banking information online? 

Do I need to contact CSSB if I moved or my mailing address changed?

I will be away for several months; can I provide a temporary mailing address?

I am moving out of country, what information do I need to provide?

I am moving back to Canada, what information do I need to provide?

Why is my pension still on estimate?

Can I adjust the amount of tax being deducted from my pension payment?

If a retroactive pay increase is granted after I leave employment, will my pension increase?

Retroactive salary may increase your pension if it increases your Best Five Year Average Pensionable Salary. 

 

Salary for pension purposes is defined in The Civil Service Superannuation Act and generally includes your regular remuneration (with any eligible vacation cash-out) and excludes anything else that does not form part of your regular remuneration. Regular remuneration is typically determined by the employer and may be defined in a collective agreement or employment contract. If a retroactive increase is considered by the employer as pensionable salary, the employer will report that salary to the CSSB.

 

We would do a recalculation to include retroactive salary paid to a former employee who has resigned, been dismissed, or died, if the former employee or his or her spouse, common-law partner or eligible survivor is entitled to a pension.

 
When I retired I didn’t change my CSSB Online Services username/email from my work email address. Can I still access my account?

Yes you can. When signing in, try signing in using your work email address as your username because unless you changed or removed it from our system, it is still your active username with the CSSB. If you are having trouble signing in using your work email address, please contact us at askus@cssb.mb.ca and we can assist you.

 

Why haven’t I received my pension payment?
  • Our office has not yet received your completed Notice of Retirement form, or

  • Our office has not received your banking information, and/or

  • Your forms were not received in enough time before we were processing the pensioner payroll.

 

Why has the amount of my payment decreased?
  • If you retired between the ages of 55 and 60 and did not meet the ‘Rule of 80’, the early retirement reduction applied to your pension. For pension benefits earned on or after January 1, 1992, your pension may have been enhanced by a Temporary Allowance or “Bridging Benefit” until age 65. At age 65, the Temporary Allowance stops.

 

  • At the time of retirement, if you elected to integrate, you would have received an increased pension from the Board on early retirement. Your pension would then be reduced at age 60 for CPP integration and age 65 for OAS integration. 

 

  • When our office received all of the documentation necessary to determine the final pension amount, you would have received a lump-sum payment for the difference between the pension paid on an estimated basis to the final pension amount. The following month after this adjustment is made, your pension payment will no longer include this adjustment.

 

Why have there not been any premiums deducted for my life insurance?

Insurance premiums will be deducted from your pension payment once our office receives and verifies all information from your employer providing your insurance annual salary and last date premiums were deducted.   

 

Why are my group life/dependents insurance premiums higher when I first retire?

Group life insurance premiums are pre-paid for the month. Depending on when your employer stopped your premiums as an active member, our office may need to take additional premiums to ensure continuous coverage.

 

I have a terminal illness. Is it possible to obtain an advance on my life insurance?

An insured active or retired member who has been diagnosed with a terminal illness may apply for prepayment of a portion of the life insurance benefit. Approval is based on criteria set out by The Insurance Company. If you would like further information, please contact our office.

 
I want to or have changed my bank account/financial institution, how do I change my direct deposit information for my pension payments?

Provide a cheque with “VOID” written on the front with the new banking information OR submit a deposit information form from your financial institution. This document must be signed and dated by the member or Power of Attorney.

 

Please indicate the following information on the documents:

  • Your name,

  • PIN (Personal Identification Number) or Social Insurance Number, and

  • Effective date of the change.

 

This information can be sent to our office by mail, fax or through the Document Centre if you are registered for Online Services.

 

Why can't I update my banking information online? 

It’s common to be able to change bank deposit or payment information online, particularly with banks and large online marketers like Amazon or eBay. Board management reviewed whether it would be reasonable to provide this service to pensioners. 

 

Retiring members can already provide deposit information online at retirement. Subsequent changes must however be made in writing. 

 

Retiring members rarely have others acting on their behalf at retirement, and are very likely to notice if their pension payment is not deposited to their financial institution. Many members in their later years have others acting on their behalf, and risks of honest accident or oversight, as well as potential elder abuse or fraud are likely greater. 

 

For the roughly 20,000 pensioners in the Superannuation plan, we receive on average less than 1 request for a change to bank account information per day. It was decided that for this relatively small number, the cost of developing and maintaining this system did not warrant providing this service. We agreed that it's not overly difficult to make such a request in writing and that requests are processed reasonably quickly. Banks and online retailers spend considerable resources monitoring and updating these services, and there are still losses which they recoup through other service charges, or sometimes may be unable to recoup. At this time, this model is not appropriate for the Superannuation plan.

           

Do I need to contact CSSB if I moved or my mailing address changed?

Yes, you need notify our office if you have a change in mailing address. If mail is returned and our office is unable to contact you, this will cause an interruption in your pension payments.

 

If you are registered for Online Services, you can update your address by going to “Edit My Profile” and click on “Address”. 

 

You can either contact our office by phone or in writing with the change of address. Please indicate the following information:

  • Your name,

  • PIN (Personal Identification Number) or Social Insurance Number,

  • New mailing address, and

  • Effective date of the change.

 

I will be away for several months; can I provide a temporary mailing address?

Yes. Notify our office in writing and indicate the following information:

  • Your name,

  • PIN or Social Insurance Number,

  • Temporary mailing address, and

  • Effective from and to date of the change.

 

I am moving out of country, what information do I need to provide?

Notify our office in writing if you are moving out of country. Please indicate the following information:

  • Your name,

  • PIN or Social Insurance Number,

  • New mailing address,

  • Effective date of the change, and

  • Declare in writing if you are to be taxed as a non-resident and the effective date (without a written declaration and date, our office will withhold the minimum tax required by Canada Revenue Agency).

 

I am moving back to Canada, what information do I need to provide?

Notify our office in writing if you are moving to Canada. Please indicate the following information:

  • Your name,

  • PIN or Social Insurance Number,

  • New mailing address,

  • Effective date of the change, and

  • Declare in writing if you are to be taxed as a resident of Canada and the effective date.

 

Why is my pension still on estimate?

Your pension may be on estimate for the following reasons:

  • Our office has not yet received proof of age for you and/or for your spouse or common-law partner, if applicable,

  • Our office has not yet received or verified the final service and earnings information from your employer,

  • Our office has not yet received or verified the final group insurance information from your employer, or

  • Your employer did not deduct the correct amount of contributions and our office is waiting for the payment of these contributions in arrears.

 

Please note, that depending on the time of year that you retire and the number retirements being processed, your account may remain on estimate for four to five months.

 

Can I adjust the amount of tax being deducted from my pension payment?

You can request that our office deduct an additional amount of taxes from your pension payment. You can make this request in writing or by completing and sending our office a new TD1.

 

When making the request in writing, please provide the following information:

  • Your name,

  • PIN or Social Insurance Number, and

  • Amount of additional tax to deducted.

 

Our office cannot adjust taxes below the minimum tax withholding required by Canada Revenue Agency.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

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Online member services and website information provided by the Civil Service Superannuation Board relate almost exclusively to the Civil Service Superannuation Fund and Public Service Group Insurance Fund plans. Any information on other plans the Board administers or for which it provides services would be identified as such, and only information identified as such or in an identified document applies to that particular plan. We recommend you get detailed personalized information from the Board before making any decisions. This website is meant to summarize our available information, requirements, procedures and policies on a general basis only. All persons making use of this site are reminded that The Civil Service Superannuation Act and its Regulations should be consulted for specific legislative requirements. 

 

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