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Section 6 - Benefits - Eligibility and Amount
6.01 - The Normal Retirement Benefit for a Participant who retires on or after the Normal Retirement Date is an annual pension payable in the form pursuant to Section 7.04 in the amount of the Participant's Accrued Benefit. The Normal Retirement Benefit shall be paid at the time and in the manner specified in Section 7.01.
Notwithstanding the foregoing, the annual amount of a Participant's Normal Retirement Benefit shall not be less than the greatest amount of any Early Retirement Benefit to which such Participant would have been entitled if the Participant had retired at any time on or after such Participant's earliest Early Retirement Date.
A Participant who works beyond the Normal Retirement Date shall be subject to and notified in accordance with the provisions of Section 8.06.
A Participant who has a Spouse shall be entitled to the Supplemental Spouse Pension described in Section 6.03.
6.02 - The Normal Retirement Benefit for a Participant who retires on or after the Normal Retirement Date is an annual pension payable in the form pursuant to Section 7.04 in the amount of the Participant's Accrued Benefit. The Normal Retirement Benefit shall be paid at the time and in the manner specified in Section 7.01.
Notwithstanding the foregoing, the annual amount of a Participant's Normal Retirement Benefit shall not be less than the greatest amount of any Early Retirement Benefit to which such Participant would have been entitled if the Participant had retired at any time on or after such Participant's earliest Early Retirement Date.
A Participant who works beyond the Normal Retirement Date shall be subject to and notified in accordance with the provisions of Section 8.06.
A Participant who has a Spouse shall be entitled to the Supplemental Spouse Pension described in Section 6.03.
6.03 - A Participant who is entitled to a Normal Retirement Benefit or an Early Retirement Benefit under Section 6.01 or 6.02 shall be entitled to a Supplemental Spouse Pension payable monthly at 1/12th the annual rate. The annual amount of such supplemental pension shall be $20 multiplied by the sum of (a) and (b) below:
- The number of years and fraction of years of the Participant's Vesting Service rendered before September 1, 1973, under the 2% Plan; plus
- One and one-half multiplied by the number of years and fraction of years of Vesting Service completed before September 1, 1973, under the 3% Plan.
6.04 - If a Participant's employment terminates, as described in Section 4.05, prior to eligibility for an Early Retirement Benefit or Normal Retirement Benefit and the Participant's Vested Percentage is 100%, the Participant shall be eligible for a Vested Benefit. The Vested Benefit shall be an annual pension for life only in the amount of the Participant's Accrued Benefit. In addition, the Participant may be entitled to the Additional Benefit, payable in a lump sum. The Vested Benefit shall be paid at the time and in the manner specified in Sections 7.01, 7.03 and 7.04.
6.05 - If a Participant who has a Spouse and who has a Vested Percentage of 100% dies within the period beginning on the date such Participant is first eligible for a Vested Benefit and ending on the date benefit payments to or with respect to the Participant begin under Section 6 (whether or not the Participant is employed by a Participating Employer at the time of death), the Participant's Surviving Spouse shall be paid a Preretirement Surviving Spouse Benefit.
The Preretirement Surviving Spouse Benefit shall be equal to the lump sum amount the Participant would have received under Section 5.07, inclusive of the Additional Benefit, had the Participant terminated employment and elected a transfer of all vested entitlements to a Registered Retirement Savings Plan immediately before death. Subject to Section 1.43, the Preretirement Surviving Spouse Benefit may be transferred in a lump sum to a locked-in Registered Retirement Savings Plan or to the registered plan of the Spouse's employer if that plan accepts the transfer. Alternatively, the Preretirement Surviving Spouse Benefit may be applied to purchase an annuity from a life insurance company licensed to carry out an annuity business in Canada.
Notwithstanding the preceding paragraph, for a Participant employed in a province in which the Preretirement Surviving Spouse Benefit is not required to be locked-in, the Preretirement Spouse Benefit may be received as a lump sum amount, or may be applied to purchase an annuity from a life insurance company licensed to carry out an annuity business in Canada, commencing at any time prior to the end of the calendar year in which the Spouse attains age 71, or such other age limit permitted under the Income Tax Act. (or, if the Spouse has already attained age 69, within one year after the death of the Participant).
The Preretirement Surviving Spouse Benefit shall be paid in the manner and subject to the conditions specified in Section 7.06.
The Preretirement Surviving Spouse Benefit described herein shall be effective on and after September 1, 1986. If a Participant does not have a Spouse, or the Spouse has waived the Pre-retirement Surviving Spouse Benefit in the form required under the Pension Benefits Act (unless such waiver is not available in the province in which the Participant is employed) the Pre-retirement Surviving Spouse Benefit shall be paid to the Participant's Beneficiary. If the Participant does not have a Beneficiary the benefit shall be paid to the Participant's estate.
Notwithstanding the foregoing, a qualifying Surviving Spouse shall be entitled to an Alternative Spouse Pension payable for life. This Alternative Spouse Pension will be paid in lieu of the Pre-retirement Surviving Spouse Benefit if it provides a better benefit to the qualifying Surviving Spouse.
The Surviving Spouse qualifies for the Alternative Spouse Pension if the Participant dies prior to Retirement and on or after age forty-five (45) with a Vested Percentage of 100%, provided either of the two following conditions are met:
- the Participant dies while in active service with a Participating Employer after September 1, 1989; or
- the Participant dies while Disabled and receiving (or eligible to receive after a waiting period) disability benefits under Section 6.06 of the Plan, under a long-term disability income plan sponsored by the Employer (including disability benefits under Workers' Compensation) and/or under the Canada/Quebec Pension Plan.
6.06 - A Participant who is Disabled and receiving disability benefits under a disability income plan sponsored by the Employer shall continue to accrue Credited Participating Service, provided that the Trustees shall establish certain limits beyond which no further credit is granted in cases of extended disability.
6.07 - Upon completion of all benefit payments to or with respect to the Participant under Sections 6.01, 6.02, 6.04 or 6.05, whichever applies, including any supplement under Section 6.03, any remaining balance in the Participant's Contribution Account, determined under Sections 5.04 and 5.05, shall be paid to the Participant's Beneficiary. The Minimum Benefit shall be paid at the time and in the manner specified in Section 7.09.
6.08 - The amount of any pension payable on or after September 1, 1973, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), to a Person who was receiving a pension as of August 31, 1973, shall be 110% of the amount which was payable as of August 31, 1973.
The amount of any pension payable on or after September 1, 1979, under Section 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), to a Person who was receiving a pension as of August 31, 1979, shall be 110% of the amount which was payable as of August 31, 1979.
The amount of any pension payable on or after September 1, 1982, under Section 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), shall be a percentage of the amount which was payable as of August 31, 1982, such percentage being determined in accordance with the following table:
| Pension Commencement Date | Percentage |
| Before September 1, 1980 | 115% |
| After August 31, 1980, but before September 1, 1981 | 110% |
| After August 31, 1981, but before September 1, 1982 | 105% |
The amount of any pension payable on or after September 1, 1983, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), to a Person who was receiving a pension as of August 31, 1983, shall be 110% of the amount which was payable as of August 31, 1983.
The amount of any pension payable on or after September 1, 1985, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), to a Person who was receiving a pension as of August 31, 1985, shall be 105% of the amount which was payable as of August 31, 1985.
For a Person who was receiving a pension as of August 31, 1987, the amount of any pension payable on or after September 1, 1987, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), shall be 105% of the amount which was payable as of August 31, 1987.
For a Person who was receiving a pension as of September 1, 1990, the amount of any pension payable on or after September 1, 1990, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), shall be 110% of the amount which was payable as of September 1, 1990.
For a Person who was receiving a pension as of August 31, 1995, the amount of any pension payable on and after September 1, 1995, under Sections 6.01, 6.02, 6.04 or 6.05, including any supplement under Section 6.03 (or the predecessor provisions), shall be increased by the amount shown in the following table:
| Pension Commencement Date | Percentage Increase |
| Prior to September 1, 1991 | 2.5% |
| After August 31, 1991, and prior to September 1, 1992 | 2.0% |
| After August 31, 1992, and prior to September 1, 1993 | 1.5% |
| After August 31, 1993, and prior to September 1, 1994 | 1.0% |
| After August 31, 1994, and prior to September 1, 1995 | 0.5% |
In no event shall the percentage increase granted under this Section 6.08 cause the Participant’s pension payment to exceed the Participant’s pension payable in the year of pension commencement plus adjustments to reflect increases in the average Consumer Price Index from the date of commencement of pension payments as published by Statistics Canada.
6.10 - Commencing September 1, 2010, for a Person who was receiving a pension as of August 31 of the previous Plan Year, the amount of pension payable at the beginning of each Plan Year shall be increased by 1.0% over the pension otherwise payable at the beginning of such Plan Year.
6.09 - Notwithstanding any other provision herein, the amount of a benefit payable hereunder shall be reduced by the amount of benefits previously paid to or with respect to the Participant, including a cash out under Section 7.10. All such reductions shall be computed on a uniform basis by calculating and offsetting the Commuted Value of the benefit previously paid.