FAQ

Who can be a member of the Newfoundland & Labrador Public Service Pensioners’ Association?

As of October 2003, all persons either in receipt of a pension from any Pension Plan administered by the Provincial Government or persons eligible to receive a pension within the next five years and their spouses are eligible to become members of the Association.

What happens to my Life Insurance under the Government Group Insurance Plan when I reach 65 years of age.

All Life Insurance terminates at age 65 and Government purchases a one-time paid up Life Insurance Policy of $5,000 on your behalf. In the event of your death your beneficary will receive this amount. For more information contact the Insurance Division at (709) 729-0511.

What happens to my Provincial Pension when I turn 65 and begin receiving Canada Pension?

When you begin receiving Canada Pension at age 65 your Provincial Pension will be reduced. Pensions are reduced because of the integration factor which is required by Federal Law. For more information contact the Pension Division 729-5913.

Is a common-law spouse eligible to receive the spousal benefit?

If there is no impedment to marriage i.e pensioner was never married or is divorced, he/she must be living common-law for 12 months prior to death.

If there is an impedment to mariage i.e pensioner is separated from his/her spouse but not divorced he/she must be living common-law for 3 years prior to death.

After the death of the pensioner, the common-law spouse must apply for the spousal benefit and produce documentation that he/she is indeed the common-law spouse. e.g Joint Bank Account; Insurance Policy whereby they are named as beneficary; affidavits from family members.

Is the Public Service Pension Plan Indexed?

Since October 1, 2002 the Public Service Pension Plan has been partially indexed. The indexing is based on the Consumer Price Index or the National Inflation Rate for the previous year to a maximum of 1.2% but applies only to pensioners/survivors who are 65 years of age. This is not much but it is a start.

Is the Teacher’s Pension Plan Indexed?

Since October 1, 2002 the Teacher’s Pension Plan has been partially indexed. The indexing is based on the Consumer Price Index or the National Inflation Rate for the previous year to a maximum of 1.2% but applies only to pensioners/survivors who have been on pension since September 1, 1998 and who are 65 years of age.