Becoming a parent: Royal Canadian Mounted Police pension

Congratulations on becoming a parent! Whether through the birth or adoption of a child, the following questions and answers will outline the programs, policies, and plans under which you and your family may be covered.

You may want to know…

What documentation should you provide to the Government of Canada Pension Centre?

You should provide proof of age as soon as possible. In the event of your death, the Government of Canada Pension Centre needs this information to provide benefits to your children. We recommend that you send the following documents:

  • A birth certificate issued by a civil authority or a baptismal certificate showing the date of birth
  • Adoption papers
  • Evidence of guardianship

Are your children covered under your insurance benefit plans?

Your children may be covered as dependents under the various insurance benefit plans. Below you will find a brief description of what types of coverage are available for your children, the steps you must follow, and the deadlines for enrolling new dependents.

The Public Service Health Care Plan (PSHCP) provides optional health care coverage for the eligible dependents of Royal Canadian Mounted Police (RCMP) members. Your dependent children include legally-adopted children as well as children of your spouse or common-law partner provided that:

  • The child is under the age of 21
  • The child is under the age of 25 and attending an accredited school, college or university on a full-time basis or
  • The child is mentally or physically impaired, dependent upon you for support and maintenance, and became impaired while he/she was of age to be considered a dependent child under the plan

Regular Members; If you already have dependent coverage, you must update your positive enrolment information with SunLife to add a new dependent to your coverage file. To apply for coverage for your dependents, complete the PSHCP Application and submit the original, signed form to RCMP National Pay Operations.

Civilian Members; If you already have "Family" coverage, you must update your positive enrolment information with SunLife to add a new dependent to your coverage file. To change your coverage from "Single" to "Family", complete the PSHCP Application and submit the original, signed form to RCMP National Pay Operations.

The Public Service Dental Care Plan (PSDCP) provides eligible dependents of RCMP members with coverage for specific dental services and supplies that are not covered under a provincial health or dental care plan.

To be eligible as a dependent child under this plan, the child must be unmarried and dependent on you for support. The child must also be either under the age of 21, or under the age of 25 and a full-time student.

PSDCP coverage for dependents is automatic. An application is not required. The dependent child will be added to the member's file at the time the first claim for benefits is submitted.

For information on RCMP Group Life Insurance plans for your dependents, please contact Morneau Shepell.

What types of protection does your pension plan offer for your children?

In the case of your death, your dependent children may be entitled to a benefit under the RCMP Pension Plan. To be eligible, your child must normally be under 18 years of age. However, children between 18 and 25 may receive benefits if they are enrolled full-time in school or another educational institution and have attended continuously since their 18th birthday or the date of your death, whichever occurred later. The benefit is equal to one-tenth of your pension for each child (to a maximum of four-tenths).

Can you take a leave of absence to care for your children? If so, how does it affect your pension?

Contact RCMP National Pay Operations at 1-866-729-7293 to determine the types of leave without pay that may be available to you. Information on the pension implications of taking a leave of absence to care for your children can be found in the Leave Without Pay Information Package.

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