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Your HRM Pension Plan Benefit

Plan Members

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  • To book a virtual or telephone appointment, or for any questions, call 902 490-6213
  • Toll Free: 1 888 490-6213
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  • 1809 Barrington Street, Suite 1108, CIBC Building Halifax, Nova Scotia B3J 3K8

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The HRM Pension Plan is a Defined Benefit (DB) pension plan designed to help you accumulate benefits for retirement. The sections below provide you with information about the Plan’s features and provisions and will help ensure you are taking full advantage of the retirement savings options available. Explore the sections below to find out more.

Plan Provisions

Under a DB pension plan a member’s pension is determined by a formula, and not the dollar amount contributed. The formula to determine the annual pension for HRM Pension Plan members is as follows:

This formula is used to determine your benefit regardless of investment performance or interest rates.

Click here to learn more about the various Plan provisions including:

  • Each component of the plan formula
  • Member and Employer contribution rates
  • Early retirement provisions

Retirement Eligibility Dates

You can commence receiving your pension at different ages. These include your:

  • Normal Retirement Date
  • Optional Retirement Date (or Earliest Unreduced Retirement Date)
  • Early Retirement Date
  • Postponed Retirement Date 

Click here to learn more about the Plan’s various retirement dates.

Getting a Pension Estimate

If you would like an estimate of your HRM Pension entitlement, there are three options available to you:

  • Your Annual Statement
  • The HRM Pension Plan Employee Self Service website
  • Contact the HRM Pension Plan Office

Click here to learn more about each of these options.

Survivor Benefits

In the event of your passing, your spouse or designated beneficiary may be entitled to a benefit from the HRM Pension Plan.

Click here to learn more about benefits payable upon death to spouses and designated beneficiaries.

Terminating Employment

If you terminate employment, you will need to decide what action to take regarding your HRM Pension Plan entitlement. The options available to you will depend on your personal situation and age. 

Click here to learn more about benefits payable upon termination from the Plan.

DC Accounts

The HRM Pension Plan allows you to contribute to a Defined Contribution (DC) account on overtime and other non-regular sources of income. These contributions can be used to increase your annual lifetime pension at retirement or can be taken as lump sum transfer when you leave the Plan. 

To find out more about the DC component of the Plan click here

We serve 13,440+ Members


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Deferred Vested Members