Pensioners Information

Annual Statements

All pensioners receive a Pensioner Annual Statement. The annual statement includes your Cost-of-Living Adjustment (COLA) amount monthly pension amount(s), and additional relevant pension information.

Cost-of-Living Adjustment (COLA)

Pensions payable by the Plan are increased each year on January 1. The increase is based on the increase during the twelve-month period ending on October 31 in the previous year. COLA is prorated for pensions that became payable between January 1 and December 31 of the previous year.

For 2025, COLA information is as follows:

• Pensioners who terminated after March 31, 2009, will receive COLA at a rate of 2.90 per cent.
• Pensioners who terminated before April 1, 2009, will receive COLA at a rate of 1.74 per cent.

Federal Pensions

To receive Old Age Security (OAS) and Canada Pension Plan (CPP) benefits, you must apply to the federal government. These benefits are normally paid from age 65; however, you can choose to receive a reduced CPP benefit at age 60 or, alternatively, you can defer CPP payments as long as you begin to draw your CPP by age 70.

For more information on federal benefits, check your local directory under Government of Canada.

Notification of Death

In the event of your death, the Plan must be notified of your passing. Please ensure that your family or the executor of your estate is aware that it is important to contact us as soon as possible.

Initial notification may be made by telephone, fax or letter. A copy of either the death certificate or Funeral Director’s certificate will be required for our records.

If you chose a joint lifetime pension option, APS must be notified immediately if either you or your pension partner dies. If APS is notified too late to stop or change payments, there may be overpayments that have to be paid back to the Plan.

Payments after Death

After your death, the amount of pension payments made, if any, will depend on the type of pension option you chose at retirement. It will be helpful to your family or the executor of your estate if you keep a copy of the completed Retirement Benefit Statement (previously referred to as the Member’s Pension Choice form) with your records. That way they will be aware of what happens to the pension benefit after your death.

The Explanation of Benefits included in the Retirement Benefit Statement, explains the pension options in detail and includes information about the survivor benefit features of each option.

Pension Coordination

Pension Coordination is no longer offered for retirements after April 1, 1998. If you retired before April 1, 1998 and chose Pension Coordination when you made your pension choice, keep in mind:

• If you chose the Joint Lifetime with Reduced Survivor Benefit pension option with coordination, your pension will be reduced when you turn age 65. This reduced pension will be paid for as long as you live. If you die after age 65, your pension will continue to be paid to your joint lifetime nominee in an amount without the coordination. This means the pension will be paid as if you had not chosen to coordinate your pension when you retired.
• For all other pension options your pension will be reduced when you turn age 65. The reduction to your pension will remain for as long as the pension is paid.

Pension Options

There are several different forms of pension available to suit personal circumstances. The monthly pension amount varies from option to option because of the different guaranteed terms and survivor benefits available under these different options. The pension options available will depend on whether a member has a pension partner or a nominee at their pension commencement and, if they have a pension partner, whether their pension partner completes a pension partner waiver. 

Joint Lifetime Pension Options 

Joint Lifetime with Reduced Survivor Benefit

This is the Normal Form of pension for members with a pension partner who has not completed a pension partner waiver. This pension option is paid to a member for as long as they live. If the member's pension partner passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their pension partner, their pension partner will receive a survivor pension benefit for the rest of their lifetime that is payable at 75% of the pension amount that was payable to the member.

Joint Lifetime 

This option will be paid to a member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their nominee, the same amount of pension will be paid to the nominee for the remainder of their lifetime. 

Joint Lifetime Guaranteed at Least 5 Years 

This option will be paid to a member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member 13 of 24 Judges Pension Plan Member Handbook The Provincial Judges and Applications Judges Registered and Unregistered Pension Plans Member Handbook passes away before their nominee, the same amount of pension will be paid to the nominee for the remainder of their lifetime. If both the member and their nominee pass away within five years of the pension commencement date, a benefit will be paid to the designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.

Joint Lifetime Reduced by 1/3

This option will be paid to the member for their lifetime. If the member passes away before their nominee, the pension will then be paid to the nominee for the remainder of their lifetime. Upon the death of either the member or their nominee, the pension benefit will be reduced by 1/3. This reduced pension will continue to be paid to the survivor for the remainder of their lifetime. This means that if the nominee passes away before the member, the member's pension will be reduced to 2/3 of the original pension amount.

Joint Lifetime Reduced by 1/3 Guaranteed At Least 5 Years

This option will be paid to the member for their lifetime. If the member passes away before their nominee, the pension will then be paid to the nominee for the remainder of their lifetime. 

Upon the death of either the member or their nominee, the pension benefit will be reduced by 1/3. This reduced pension will continue to be paid to the survivor for the remainder of their lifetime. This means that if the nominee passes away before the member, the member's pension will be reduced to 2/3 of the original pension amount. 

If both the member and their nominee pass away within five years of the pension commencement date, a benefit will be paid to the designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the reduced monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.

Joint Lifetime Reduced by 1/4

This option will be paid to the member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their nominee, the monthly payment to the nominee will be reduced by 1/4. This reduced pension will continue to be paid for the remainder of their lifetime. 

Single Lifetime Pension Options

These options can only be chosen if a member does not have a pension partner on their pension commencement date, or if their pension partner chooses to complete a pension partner waiver giving up any right to a lifetime survivor benefit.

Single Lifetime (No Guaranteed Term)

This option is the Normal Form of pension for members without a pension partner or whose pension partner has completed a pension partner waiver. This pension option is paid to the member for as long as they live. No further payments will be made after the member's death.

Single Lifetime Guaranteed at Least 5 Years

This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 5 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.

Single Lifetime Guaranteed at Least 10 Years

This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 10 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.

Single Lifetime Guaranteed at Least 15 Years

This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 15 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments. 

Pension Payment Dates

The Pension Payment Dates page can now be found on Your Pension Profile, the secure online portal for JPP members.

Click the button below to log in to Your Pension Profile and view upcoming pension payment dates. You will be prompted to enter your username and password. If you have not yet created your online account, click here to learn how.

View upcoming pension payment dates 

Receiving Your Pension Payment

When you retire, your pension payment is made to you either by direct deposit or by mail.

Tax Slips

Taxes are deducted from your monthly pension payment, similar to those deductions made from earnings when you were working. Income tax deductions are based on the personal tax information you have reported to JPP. APS mails tax slips before the end of February each year. For more information and to access your tax slip(s), please log in.

If you need other tax information, contact your Government of Canada District Taxation Office.