Pension Tips

Queen’s Pension Plan Tips

  • Check your paystub and make sure you are making contributions to Queen’s Pension Plan! See Know Your Paystub for an Excel file you can download and check your deductions.
  • Log on to Queen’s Pension Self-Service and check your Pension Plan status; you may also download a copy of your annual pension statement there.(Note: Direct logon seems to be faster than MyHR.)
  • You should receive a hard-copy annual pension statement, early in the calendar year; if you are contributing to the Queen’s Pension Plan, and haven’t received a printed statement by March or so, contact your Queen’s HR Client Services Advisor.
  • Note that if you have had a break in contributing to the Queen’s Pension Plan, you may have more than one Pension Statement.
  • Consider making Additional Voluntary Contributions (AVCs) to the Queen’s Pension Plan. See Additional Voluntary Contributions (AVCs) and your RRSP on for pros and cons, and more information.
  • Contact one of your Stewards if you would like to discuss your pension contributions and options. They will help put you in touch with one of our USW Pension Representatives to help your figure things out.

Checklists for Retirement Planning

Queen’s Resources
Other Resources
  • If you are coming up to age 60 (or older!) – learn about your Canada Pension Plan (CPP) options. You can apply for and receive a full CPP retirement pension at age 65 or receive it as early as age 60 with a reduction, or as late as age 70 with an increase. See
  • If you are coming up to age 65 you can continue to work, contribute to CPP and Queen’s Pension Plan (and Queen’s continues to contribute as well!).  You should receive paperwork from Service Canada about applying for Old Age Security (OAS) (for all Canadian Residents 65 and older) –
  • Service Canada Logon – to see your CPP contributions. For initial access, you need to request a GCKey user ID and password, and it will be mailed to you at your address as reported to CRA (takes up to 10 business days!) – and THEN you need to register to set up your account, before you can log on to Service Canada.
  • Government of Canada Pensions and Retirement Resources – Retirement planning, public and registered pensions, RRSPs, RRIFs, retirement income calculator and more. Canadian Retirement Income Calculator – Excellent!!, but sometimes S L O W !!
  • BMO – Checklist for 2 years prior to retirementGREAT LIST!!

updated by Carol Kavanaugh, April 23, 2017