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Transferring Service

Reciprocal Transfer Agreement with Teachers' Pension ​Plan Authorities

The authorities participating under the Teachers' Pension Plan Authorities Reciprocal Transfer Agreement are:

Alberta Teachers’ Retirement Fund Board

  • BC Pension Corporation
  • Régimes de retraite du secteur public (Quebec)
  • Manitoba Teachers' Retirement Allowances Fund Board
  • Newfoundland and Labrador Teachers' Pension Plan
  • Ontario Teachers' Pension Plan Board
  • Province of New Brunswick Department of Finance
  • Province of Nova Scotia Pension Services Group
  • Saskatchewan Teachers' Federation
  • Saskatchewan Teachers' Superannuation Commission
  • Teachers' Superannuation Commission of PEI

Eligibility and Required Docum​​ents

For information about eligibility, required documents, and a copy of the application form, refer to the Reciprocal Transfer Agreement with Teachers' Pension Plan Authorities Information Sheet.

Reciprocal Transfer Agreement with Alberta Publ​​​ic Sector Pension Plans

The authorities participating under the Alberta Public Sector Pension Plans Reciprocal Transfer Agreement are:

  • Local Authorities Pension Plan
  • Management Employees Pension Plan
  • Public Service Pension Plan

Eligibility and Re​​quired Docum​​​ents

For information about eligibility, required documents and a copy of the application form, refer to the Reciprocal Transfer Agreement with Alberta Public Sector Pension Plans Information Sheet.

Reciprocal Transfer Agreement with Government of Canada Public​ Service Pension Plan

Effective January 13, 2012, a reciprocal agreement was established between the Alberta Teachers’ Retirement Fund and the Government of Canada Public Service Pension Plan (PSPP).

Eligibility and Required Doc​uments

You may apply to transfer service to ATRF if you:

  • are currently an active member of ATRF,
  • are not receiving a pension from either ATRF or the PSPP, and
  • have pensionable service in the PSPP.

For information about eligibility, required documents and the process for applying, refer to the Reciprocal Transfer Agreement with Government of Canada - Public Service Pension Plan (PSPP) Information Sheet.

Important Time Limit​s!

If you became an active ATRF plan member after January 12, 2012, you have a period of one year from the date you joined to apply to transfer your service. If you became an active ATRF plan member before January 13, 2012, the time to file your application has expired.

1974 Reciprocal Transfer A​greement

British Columbia Teachers' Pension​​ Plan

Transfers of pensionable service under this reciprocal transfer agreement are permitted only at retirement, and only if you are being granted a pension by the importing pension plan.

If, on January 31, 1995, you had pensionable service with ATRF and the British Columbia Teachers' Pension Plan (BCTPP), you may be able to participate under the 1974 Reciprocal Transfer Agreement if:

  • you are eligible to apply for a pension at some time in the future from the importing pension plan, and
  • you are not in receipt of a pension from either ATRF or BCTPP.

When ATRF is the importing pension plan:

  • you must have at least five years of pensionable service with ATRF,
  • your combined pensionable service with ATRF and BCTPP must meet ATRF’s minimum service requirements for pension eligibility, and
  • you must have at least one year of pensionable service with ATRF after the last year of pensionable service being transferred from BCTPP.

The years of pensionable service with BCTPP are used to determine your eligibility for pension and to calculate your ATRF pension.​

Refer to the 1974 BC Reciprocal Transfer Agreement Information Sheet for more information.

Other Pension Plans

Teachers who contributed to one of the following plans may still be eligible to transfer under the 1974 Reciprocal Transfer Agreement:

  • Alberta Teachers' Retirement Fund
  • Régimes de retraite du secteur public (Quebec)
  • Manitoba Teachers' Retirement Allowances Fund
  • Ontario Teachers' Pension Plan
  • Saskatchewan Teachers' Superannuation Commission

Contact ATRF for information.

Transfer Amo​unt​

The amount available for transfer from the exporting pension plan is equal to the value of the accrued pension benefit in that plan. The amount requested by the importing pension plan is equal to the value of the benefit for the pensionable service to be credited. These two amounts may not be equal because the pension plans may have different pension formulas.

If there is a shortfall between the amount available for transfer and the amount required by the importing pension plan to grant you equivalent service, you may pay the difference and be credited for all of the pensionable service being transferred. If you decide not to pay the difference, your pensionable service transferred will be reduced proportionately.

If ATRF is the exporter, and the amount requested by the importing pension plan is less than the value of the benefit you would receive if you were withdrawing funds as a termination benefit, the difference will be paid directly to you in cash with income tax deducted. It cannot be transferred to an RRSP.

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