No. If you are age 50 or older, your benefit must be used to provide you with a monthly pension upon retirement. However, if your benefits are Vested and you have not yet reached age 50, you may be eligible to choose the portability option and transfer the commuted value of your pension to another registered pension plan; a locked-in RRSP to provide a pension no earlier than age 50; or you may purchase a life annuity contract. Please refer to the Plan Booklet for full details regarding the portability option, or you can contact the administrator (Ellement) directly by using the toll free number 1-888-616-3196 or by e-mail at abironworkers@ellement.ca.
In the event of your death prior to retirement your spouse may also elect the portability option instead of receiving a monthly payment.
A pre-determination is a proposed course of treatment submitted to Ellement by your dentist or orthodontist (by your provider) to determine allowable procedures, the eligible amount payable...
If you become totally disabled due to a non-occupational injury or sickness you will receive a disability benefit, provided you are under the continual treatment of a qualified and licensed physician.
