Reciprocal Transfer Agreements


The Board has entered into Reciprocal Transfer Agreements with many pension plans in Manitoba and across Canada.


To be eligible, you must have terminated employment from the exporting plan, be a member of the importing plan and apply within the timelines of the reciprocal transfer agreement.


To initiate the transfer you must contact the importing plan. The importing plan will send you a form to sign which provides written consent for the two plans to exchange your information. This would not obligate you to transfer your pension. You would complete an actual transfer application once you have received the necessary information from both plans on which you can base your decision.


The exporting plan will provide the importing plan with the amount their plan has available for transfer, your period of participation in their pension plan, a history of your service, earnings and Pension Adjustments (PA). Note: The transfer value from the exporting plan will not be less than the value of the member’s termination benefits.


Once the above information is received from the exporting plan, the importing plan will provide you with a transfer application form indicating the amount of credited service that can be purchased under the importing plan. If the amount available to transfer from the exporting plan is insufficient to provide you with equivalent credited service, this form will also indicate the approximate cost to purchase the estimated additional credited service.


If you elect to proceed with the transfer within the applicable deadline, the Importing plan will request the transfer of funds from the exporting plan. Note: If the pension adjustments required by the importing plan is greater than the pension adjustments provided by the exporting plan, the importing plan is required to submit a Past Service Pension Adjustment (PSPA) to CRA for approval prior to requesting the funds from the exporting plan.


A letter will be sent to you confirming the receipt of the funds from the exporting plan, the service credited and if applicable, the cost to purchase the additional credited service if the amount available from the exporting plan was not sufficient to purchase equivalent credited service under the importing plan. Note: If the additional service is purchased, this may result in a PSPA which would have to be certified by CRA before any cash payments could be received.


The importing plan will advise the exporting plan of the total pension adjustment value as there may be a requirement for the exporting plan to prepare a Pension Adjustment Reversal (PAR).


General Notes:

If The Civil Service Superannuation Fund (CSSF) is the exporting plan, you will not be eligible to transfer credited service to another pension plan if you removed any funds from the pension plan or Money Purchase Plan or commenced the pension or annuity.


Reciprocal Transfers are prepared based on the actuarial value of the pension benefits being transferred. The importing and exporting plan calculate the value of the pension benefit based on the individual plan assumptions and the terms of the reciprocal transfer agreement.


The determination of an excess value will be calculated in accordance with the provision of the exporting plan. You can contact the exporting plan for further information.


Note: If the Civil Service Superannuation Fund is the importing plan, we cannot accept funds greater than the amount required to credit the service available for transfer.


There may be significant differences in individual pension plan’s provisions.


Other factors also influence the value of a pension benefit, such as:

  • the member’s salary at the date of transfer

  • the member’s credited service

  • the member’s date of birth


Depending on the terms of the reciprocal transfer agreement, a separation in a marriage or common-law relationship would have to be finalized with the exporting plan before the member may transfer to the importing plan.


The following Pension Transfer Agreements are currently in place:


National Agreement

  • Alberta Local Authorities Pension Plan 

  • Alberta Management Pension Plan 

  • Alberta Public Service Pension Plan 

  • British Columbia College Pension Plan 

  • British Columbia Municipal Pension Plan 

  • British Columbia Public Service Pension Plan 

  • British Columbia Teacher’s Pension Plan 

  • The Workers’ Compensation Board of British Columbia Superannuation Plan

  • Newfoundland and Labrador - Public Service Pension Plan 

  • Nova Scotia - Public Service Pension Plan

  • Ontario Pension Board 

  • OPSEU Pension Plan 

  • Prince Edward Island - Civil Service Superannuation Fund

  • New Brunswick/la Province du Nouveau-Brunswick - Public Service Shared Risk Plan

  • Quebec 


The CSSB Has Also Entered Into RTA’s With

  • The Board of Trustees of the Canadian Interagency Forest Fire Centre Employees’ Retirement Plan Trust Fund

  • Winnipeg Civic Employees’ Benefits Program – City of Winnipeg 

  • The Government of Canada 

  • The Healthcare Employees Pension Plan – Manitoba 

  • The Legislative Assembly Pension Plan (Manitoba)

  • The Municipal Employees Benefits Program Board 

  • The Pension Trustees of the Brandon University Retirement Plan

  • The Teachers Retirement Allowances Fund Board 

  • The University of Manitoba 

  • The Winnipeg School Division No. 1 Pension Fund for Employees (Other than Teachers)

  • The Workers’ Compensation Board of Manitoba

The Civil Service Superannuation Board of Manitoba

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