Transferring to Another Plan

Reciprocal transfer agreements allow you to transfer pensionable service from one participating pension plan to another.  Combining two pensions may provide you with a higher retirement income. You may also reach “index” sooner in one plan than if the two were left as separate pensions.  There may be a shortfall in the funds required by the importing pension plan.  You have two options - you may pay the shortfall so that all service may be credited, or have the service prorated based on the funds that have been transferred.

ATRF has three reciprocal transfer agreements in place:

• the Reciprocal Transfer Agreement with the Teachers’ Pension Plan Authorities in Canada
• the Reciprocal Transfer Agreement with the Alberta Public Sector Pension Plans (Management Employees Pension Plan, Public Service Pension Plan, and Local Authorities Pension Plan)
• 1974 BC Reciprocal Transfer Agreement

Click here for more information and application forms.