Becoming disabled after retirement: Royal Canadian Mounted Police pension
The following questions and answers will provide you with an understanding of the impact on your pension benefits if you become disabled after retirement. For more information please contact the Government of Canada Pension Centre.
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If you become disabled after retirement and before age 60, what happens to your benefit?
If you become disabled after retirement and before age 60, you may be entitled to additional benefits. Please contact the Government of Canada Pension Centre for assistance.
What effect does becoming disabled have on your pension benefit?
If you're currently receiving an Royal Canadian Mounted Police (RCMP) pension benefit as either an immediate annuity or annual allowance, there's no effect on your pension benefit. Regular and Civilian Members under 60 years of age who have become disabled since retirement are subject to annual cost of living increases (indexation). If you had discharged with a deferred annuity payable at age 60 and become disabled prior to reaching that age, the deferred annuity is replaced by an immediate annuity (unreduced pension), payable immediately. This unreduced pension is equal to the indexed value of the deferred annuity. For more information, please contact the Government of Canada Pension Centre.
What happens if you return to health?
If you're receiving an RCMP pension benefit as a result of becoming disabled and you subsequently regain your health before age 60, then the immediate annuity is replaced by:
- If you're less than 50 years of age, a deferred annuity payable at age 60 or transfer value
- If you're 50 years of age or older, a deferred annuity payable at age 60 or annual allowance
For more information, please contact the Government of Canada Pension Centre.
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