Frequently Asked Questions

You may retire as early as age 55 as long as you are eligible for a benefit. You become eligible if your Employer remits 1,200 hours to the LPF on your behalf.

Click here to read more about how to obtain a pension estimate.

If you are missing hours that should have been remitted to LPF by your employer, please contact the LPF Office first to find out if those hours are in the process of being updated. If the LPF did not receive those hours, you must contact your local union representative and/or your employer.

Log into AccessLPF and use our online pension application service (if you don’t have your LPF Member ID Number in order to log into Access LPF please contact the LPF Office immediately) or

Contact us for assistance in completing the application over the phone.

Visit the LPF Office and complete your application with the help of one of our Pension Benefits Analyst

For more information, contact us.

If you are a Pensioner, and you elected the 60 Month Guarantee form of payment, you may change your beneficiary at any time, where permitted by law. Please click here to download the Beneficiary Designation Form (EN) /  (FR) and mail it to the LPF Office. However, it is important to remember that if you have already received 60 monthly payments, your beneficiary is no longer entitled to any payments upon your death.

If you elected a Joint and Survivor Option, which is payable only to a Spouse, you cannot make any changes, once you have cashed your first pension cheque or 30 days have passed from the date it was deposited into your bank account. Also, if you later become separated or divorced, you cannot change the Joint and Survivor Option, as a survivor benefit payable to a Spouse is protected under the Pension Benefits Act.

We require a copy of your CPP/QPP Disability Notice of Entitlement letter or a letter from CPP/QPP stating the date you become disabled, the effective date of your CPP/QPP Disability Pension and that you are currently receiving a disability benefit. 

In addition, you must complete a Disability Pension Application online by logging into AccessLPF or contact us.

For more information on Disability, please click here. 

The LPF  is a Non-Contributory Plan.  This means that only your employer can contribute.  However, under certain circumstances the Plan rules allows for Self-Payment Contributions.

Click here to read more.

Your pension contribution rate is set out in the Collective Bargaining Agreement between your employer and your Local Union. You can either contact your union representative or log into AccessLPF and refer to the Contributions Page.

You must have stopped working for at least 24 consecutive months before you are eligible to elect to terminate your membership with the Plan.

Click here to read more.

The Pension Benefits Act requires that your spouse must be entitled to a minimum of 60% of your pension if you die first, unless a Waiver of Joint and Survivor form is signed by your spouse.  We also offer a 100% Joint and Survivor Option.  For more information, please contact us and speak with one of our Pension Benefits Analysts.

If you have a question that has not been addressed, please do not hesitate to contact us. You can submit your questions by email at pension_fund@lpfcec.org.

By the end of every February, the LPF mails out the T4A and NR4 slips to all Pensioners and Beneficiaries.  Click here for more information.

Click here to read more about pension pay dates.

Click here to read about address changes.

Click here to read about banking changes.

Click here to read about changing the amount of tax deducted from your monthly pension.

No. The option you chose when you retired cannot be cancelled or changed. Your pension amount will stay the same for your lifetime. As your spouse passed away before you, no further benefits will be paid upon your death.

If you are a Pensioner, and you elected the 60 Month Guarantee form of payment, you may change your beneficiary at any time, where permitted by law. Please click here to download the Beneficiary Designation Form (EN) /  (FR) and mail it to the LPF Office. However, it is important to remember that if you have already received 60 monthly payments, your beneficiary is no longer entitled to any payments upon your death.

If you elected a Joint and Survivor Option, which is payable only to a Spouse, you cannot make any changes, once you have cashed your first pension cheque or 30 days have passed from the date it was deposited into your bank account. Also, if you later become separated or divorced, you cannot change the Joint and Survivor Option, as a survivor benefit payable to a Spouse is protected under the Pension Benefits Act.

Yes. When you return to work you must advise the LPF by completing a Notice of Re-employment form and send it to the LPF Office by mail, email or fax as soon as you start working.

  Click here for more information.  

If you don’t complete and send the Notice of Re-employment form to the LPF Office, your pension will be suspended as soon as contributions are received on your behalf, and:  

1. any pension payment(s) that are received after your re-employment date must be refunded to the LPF;
2. you must advise the LPF office in writing at the end of your re-employment period;
3. your pension will be recalculated and reinstated if during your period of re-employment:
   1. contributions are remitted on your behalf for a minimum of 1200 hours if you are under age 65; or
   2. contributions are remitted on your behalf for a minimum of 300 hours if you are over the age of 65
4. If you are not entitled to a recalculation of your benefit, your pension will be reinstated.

Click here for more information

As a result of a new Pension Benefits Act legislation, the LPF is required to mail all Pensioners and Beneficiaries in receipt of a monthly pension, a statement of their pension income covering the past two years.  The statement contains information related to the type of pension and form of payment selected at the time of retirement, along with beneficiary information (if applicable).  If your statement shows any incorrect information, please contact us.

Click here to read more about why LPF would need a Power of Attorney for Property document.

This form is mailed every two years to all Pensioners and Beneficiaries in receipt of a monthly pension as part of a process that ensures payments are made correctly to eligible recipients. 

When you receive this form, please verify that the information provided on the form is correct.  You (or your Power of Attorney) are then required to sign and return it to our office as soon as possible so that your payments will not be interrupted. Click here for more information about a Power of Attorney.

If we do not receive this form by the date required, we may suspend your pension payments until you have returned the form.  

Returning this form to the LPF allows you or your Power of Attorney to confirm basic information we have on file for you.  This helps us maintain accuracy of our records and ensure that you will not experience any interruptions in your pension payments.  If we do not have your signed form, we may need to suspend your pension payments until we receive it.  This is part of LPF’s responsibility to pay pensions to only those entitled to receive them.

No.  Your monthly pension amount will remain at the same amount as when you retired and will be payable for your lifetime.

If you have a question that has not been addressed, please do not hesitate to contact us. You can submit your questions by email at pension_fund@lpfcec.org.