{"id":2898,"date":"2024-09-04T07:46:29","date_gmt":"2024-09-04T11:46:29","guid":{"rendered":"https:\/\/regimeretraite.ca\/general-information\/"},"modified":"2026-01-21T19:06:49","modified_gmt":"2026-01-22T00:06:49","slug":"general-information","status":"publish","type":"page","link":"https:\/\/regimeretraite.ca\/en\/general-information\/","title":{"rendered":"General Information"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2898\" class=\"elementor elementor-2898 elementor-1220\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8c1fc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8c1fc3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-443b12a\" data-id=\"443b12a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa012e8 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"fa012e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">General Information<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8f5c5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8f5c5b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f335f80\" data-id=\"f335f80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-117b0e2 elementor-hidden-desktop elementor-widget elementor-widget-image\" data-id=\"117b0e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"961\" height=\"496\" src=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/family.svg\" class=\"attachment-full size-full wp-image-2894\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7426110\" data-id=\"7426110\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ce36fa elementor-widget elementor-widget-heading\" data-id=\"8ce36fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What This Plan Offers Me<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00749c4 elementor-widget elementor-widget-text-editor\" data-id=\"00749c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The R\u00e9gime de retraite des groupes communautaires et de femmes offers retirement income security through the payment of a life annuity that can be indexed. Unlike RRSPs and VRSPs, which focus on individual management, our wage-financed retirement plan is a collective plan that shares longevity risk and investment return risk among all participants. This risk pooling guarantees the payment\u00a0<strong>of the retirement annuity until death.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-beeba53 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"beeba53\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f07a2c1\" data-id=\"f07a2c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45fdfa1 elementor-widget elementor-widget-heading\" data-id=\"45fdfa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Plan\u2019s Tax Benefits <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1851255 elementor-widget elementor-widget-text-editor\" data-id=\"1851255\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Employee contributions are tax-deductible. Since they are deducted directly from pay, the tax reduction is immediate. For its part, employer contributions are not considered a taxable benefit. You do not have to pay social benefits (employment insurance, QPP, QPIP, etc.) on this amount, as is the case for an employer contribution to an RRSP. When you withdraw an annuity from the plan, this income will be taxable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e1a0e44\" data-id=\"e1a0e44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b9ef3f elementor-widget elementor-widget-image\" data-id=\"5b9ef3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"675\" height=\"450\" src=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/indoor-shot-serious-mixed-race-woman-man-study-private-arrangement-work-from-home.jpg\" class=\"attachment-full size-full wp-image-2895\" alt=\"\" srcset=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/indoor-shot-serious-mixed-race-woman-man-study-private-arrangement-work-from-home.jpg 675w, https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/indoor-shot-serious-mixed-race-woman-man-study-private-arrangement-work-from-home-300x200.jpg 300w\" sizes=\"(max-width: 675px) 100vw, 675px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a35f7c elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-image\" data-id=\"5a35f7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"282\" height=\"282\" src=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/07\/icon-dots.png\" class=\"attachment-full size-full wp-image-2703\" alt=\"\" srcset=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/07\/icon-dots.png 282w, https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/07\/icon-dots-150x150.png 150w\" sizes=\"(max-width: 282px) 100vw, 282px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68aefb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68aefb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b94e71\" data-id=\"3b94e71\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f833bd9 elementor-widget elementor-widget-image\" data-id=\"f833bd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"450\" src=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/labor-union-members-working-together-banner.jpg\" class=\"attachment-full size-full wp-image-2896\" alt=\"\" srcset=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/labor-union-members-working-together-banner.jpg 768w, https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/labor-union-members-working-together-banner-300x176.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-45f2242\" data-id=\"45f2242\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-890a845 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"890a845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start of Contributions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16895db elementor-widget elementor-widget-text-editor\" data-id=\"16895db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are a regular employee, you begin contributing three months after being hired. The employer may have chosen to start contributing sooner (you can verify this by consulting Appendix 4 of the <a href=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/7-Texte-du-Regime-Reglement_RRFS-GCF_refonte2023_Amendement16.pdf\" target=\"_blank\" rel=\"noopener\"><u style=\"color: #cfe15c;\">Plan Text<\/u><\/a><u>)<\/u>.\u00a0If you were already a contributor to the plan, you contribute from the moment of your hiring, regardless of your employment status. For non-regular employees, other rules apply. For more details, please consult the Plan Membership section.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12c089d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12c089d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6cd5010\" data-id=\"6cd5010\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41349e7 elementor-widget elementor-widget-heading\" data-id=\"41349e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Annuity Accumulation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a3dd6a elementor-widget elementor-widget-text-editor\" data-id=\"7a3dd6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The employer pays contributions to the retirement plan monthly. As soon as the money is deposited, the individual receives a guaranteed annual annuity credit for their future retirement.\u00a0<strong>This is indexed periodically when the plan\u2019s financial situation allows.<\/strong><\/p><p>This accumulated annuity will never decrease. In concrete terms, the annuity accumulation rate is 11%, meaning that each $100 contribution paid into the plan immediately buys an annual annuity of $11, before indexation. The number of $100 payments will determine the retirement annuity. Thus, three factors contribute to annuity accumulation: the number of years of contribution, the contribution rate, and the individual\u2019s salary. To help you calculate your retirement annuity amount, use the\u00a0<a href=\"https:\/\/regimeretraite.ca\/calculateur-de-retraite\/\">calculator<\/a>\u00a0found on the homepage.<\/p><p>According to this annuity formula, penalty-free retirement is payable from age 65. However, it is possible to retire before age 65 with a penalty (-6%\/year) or after age 65 with an annuity increase (+6%\/year).<\/p><p>\u00a0<\/p><p><strong>Knowing the amount of annuity accumulated in the plan<\/strong><br \/>Each year, in July, you will receive your annual participation statement. This statement can be found on your personal page in the \u201cMy Statements\u201d section of the plan\u2019s administrative site. It tells you the amount of annuity you have accumulated as of December 31 of the previous year, as well as a projection of your retirement annuity. You can consult your \u201cParticipation History\u201d to add payments made to the acquired annuity since the last annual statement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6d6dcf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6d6dcf\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0ad6355\" data-id=\"0ad6355\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b53cfe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4b53cfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do you have questions about our Plan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-caeba71 elementor-widget elementor-widget-text-editor\" data-id=\"caeba71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tDo you have questions about your retirement? We are here to help you answer them clearly and precisely.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcc19c7 elementor-align-left elementor-widget__width-auto elementor-mobile-align-justify elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"bcc19c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:1-888-978-4473\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Toll-free: 1-888-978-4473<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a86f4 elementor-align-left elementor-widget__width-auto elementor-mobile-align-justify elementor-widget-mobile__width-initial elementor-widget elementor-widget-button\" data-id=\"d0a86f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:514-878-4473\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">(514) 878-4473<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f5e9e6\" data-id=\"5f5e9e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d393e0b elementor-widget elementor-widget-formidable\" data-id=\"d393e0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"formidable.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"frm_forms  with_frm_style frm_style_formidable-style\" id=\"frm_form_9_container\" data-token=\"25221eb1c3479ac9b1108df005a8f829\">\n<form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_js_validate  frm_ajax_submit  frm_pro_form \" id=\"form_contact-form-en\" data-token=\"25221eb1c3479ac9b1108df005a8f829\">\n<div class=\"frm_form_fields \">\n<fieldset>\n<legend class=\"frm_screen_reader\">Contact us Form<\/legend>\r\n\r\n<div class=\"frm_fields_container\">\n<input type=\"hidden\" name=\"frm_action\" value=\"create\" \/>\n<input type=\"hidden\" name=\"form_id\" value=\"9\" \/>\n<input type=\"hidden\" name=\"frm_hide_fields_9\" id=\"frm_hide_fields_9\" value=\"\" \/>\n<input type=\"hidden\" name=\"form_key\" value=\"contact-form-en\" \/>\n<input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/>\n<input type=\"hidden\" id=\"frm_submit_entry_9\" name=\"frm_submit_entry_9\" value=\"d67f925e86\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/pages\/2898\" \/><div id=\"frm_field_60_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm6 frm_first\">\r\n    <label for=\"field_qh4icy2\" id=\"field_qh4icy2_label\" class=\"frm_primary_label\">Full Name\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input  type=\"text\" id=\"field_qh4icy2\" name=\"item_meta[60]\" value=\"\"  placeholder=\"Full Name\" data-reqmsg=\"Ce champ ne peut \u00eatre vide.\" aria-required=\"true\" data-invmsg=\"Name is invalid\" aria-invalid=\"false\"   \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_61_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm6\">\r\n    <label for=\"field_b043t2\" id=\"field_b043t2_label\" class=\"frm_primary_label\">Phone\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"tel\" id=\"field_b043t2\" name=\"item_meta[61]\" value=\"\"  placeholder=\"Phone\" data-reqmsg=\"Ce champ ne peut pas \u00eatre vide\" aria-required=\"true\" data-invmsg=\"Le t\u00e9l\u00e9phone n&#039;est pas valide\" aria-invalid=\"false\" pattern=\"((\\+\\d{1,3}(-|.| )?\\(?\\d\\)?(-| |.)?\\d{1,5})|(\\(?\\d{2,6}\\)?))(-|.| )?(\\d{3,4})(-|.| )?(\\d{4})(( x| ext)\\d{1,5}){0,1}$\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_62_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container frm12 frm_first\">\r\n    <label for=\"field_29yf4d2\" id=\"field_29yf4d2_label\" class=\"frm_primary_label\">Email\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"email\" id=\"field_29yf4d2\" name=\"item_meta[62]\" value=\"\"  placeholder=\"Email\" data-reqmsg=\"Ce champ ne peut \u00eatre vide.\" aria-required=\"true\" data-invmsg=\"S&#039;il vous pla\u00eet, mettez une adresse email valide\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_63_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container message-part\">\r\n    <label for=\"field_9jv0r12\" id=\"field_9jv0r12_label\" class=\"frm_primary_label\">Message\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <textarea name=\"item_meta[63]\" id=\"field_9jv0r12\"  placeholder=\"Message\" data-reqmsg=\"Ce champ ne peut \u00eatre vide.\" aria-required=\"true\" data-invmsg=\"Message est non valide\" aria-invalid=\"false\"  ><\/textarea>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_64_container\" class=\"frm_form_field form-field  soumettre-section\">\r\n\t<div class=\"frm_submit\">\r\n\r\n<button class=\"frm_button_submit frm_final_submit\" type=\"submit\"   formnovalidate=\"formnovalidate\">Submit<\/button>\r\n\r\n<\/div>\r\n<\/div>\n<input type=\"hidden\" name=\"item_meta[65]\" id=\"field_nmadv2\" value=\"\" data-frmval=\"\"\/>\n\t<input type=\"hidden\" name=\"item_key\" value=\"\" \/>\n\t\t\t<div id=\"frm_field_99_container\">\n\t\t\t<label for=\"field_nsf1e\" >\n\t\t\t\tIf you are human, leave this field blank.\t\t\t<\/label>\n\t\t\t<input  id=\"field_nsf1e\" type=\"text\" class=\"frm_form_field form-field frm_verify\" name=\"item_meta[99]\" value=\"\"  \/>\n\t\t<\/div>\n\t\t<input name=\"frm_state\" type=\"hidden\" value=\"nyy+AgJCi2YyDYGXLwDDHUSwGa6KIEvqCmSL9jt1yFDzp9PkmKQUMt9AXQq76uiK\" \/><\/div>\n<\/fieldset>\n<\/div>\n\n<p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"ak_\"><label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"ak_js\" value=\"78\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><\/form>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c8ff4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c8ff4a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76f16fe\" data-id=\"76f16fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b68f16 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8b68f16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Subscribe to the newsletter!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e7420e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8e7420e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/regimeretraite.ca\/en\/newsletter-signup\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>General Information What This Plan Offers Me The R\u00e9gime de retraite des groupes communautaires et de femmes offers retirement income security through the payment of a life annuity that can be indexed. Unlike RRSPs and VRSPs, which focus on individual management, our wage-financed retirement plan is a collective plan that shares longevity risk and investment [&hellip;]<\/p>\n","protected":false},"author":224,"featured_media":2897,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2898","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>General Information on Retirement Plan Benefits<\/title>\n<meta name=\"description\" content=\"Discover the tax benefits and contribution options of the Community and Women&#039;s Groups Retirement Plan to ensure financial security in retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regimeretraite.ca\/en\/general-information\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"General Information on Retirement Plan Benefits\" \/>\n<meta property=\"og:description\" content=\"Discover the tax benefits and contribution options of the Community and Women&#039;s Groups Retirement Plan to ensure financial security in retirement.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regimeretraite.ca\/en\/general-information\/\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9gime de retraite des groupes communautaires et de femmes\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-22T00:06:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/Informations-genera-page-banner-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1900\" \/>\n\t<meta property=\"og:image:height\" content=\"856\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/\",\"url\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/\",\"name\":\"General Information on Retirement Plan Benefits\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regimeretraite.ca\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Informations-genera-page-banner-1.jpg\",\"datePublished\":\"2024-09-04T11:46:29+00:00\",\"dateModified\":\"2026-01-22T00:06:49+00:00\",\"description\":\"Discover the tax benefits and contribution options of the Community and Women's Groups Retirement Plan to ensure financial security in retirement.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regimeretraite.ca\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Informations-genera-page-banner-1.jpg\",\"contentUrl\":\"https:\\\/\\\/regimeretraite.ca\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/Informations-genera-page-banner-1.jpg\",\"width\":1900,\"height\":856},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/general-information\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"General Information\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/\",\"name\":\"R\u00e9gime de retraite des groupes communautaires et de femmes\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regimeretraite.ca\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"General Information on Retirement Plan Benefits","description":"Discover the tax benefits and contribution options of the Community and Women's Groups Retirement Plan to ensure financial security in retirement.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regimeretraite.ca\/en\/general-information\/","og_locale":"en_US","og_type":"article","og_title":"General Information on Retirement Plan Benefits","og_description":"Discover the tax benefits and contribution options of the Community and Women's Groups Retirement Plan to ensure financial security in retirement.","og_url":"https:\/\/regimeretraite.ca\/en\/general-information\/","og_site_name":"R\u00e9gime de retraite des groupes communautaires et de femmes","article_modified_time":"2026-01-22T00:06:49+00:00","og_image":[{"width":1900,"height":856,"url":"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/Informations-genera-page-banner-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/regimeretraite.ca\/en\/general-information\/","url":"https:\/\/regimeretraite.ca\/en\/general-information\/","name":"General Information on Retirement Plan Benefits","isPartOf":{"@id":"https:\/\/regimeretraite.ca\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regimeretraite.ca\/en\/general-information\/#primaryimage"},"image":{"@id":"https:\/\/regimeretraite.ca\/en\/general-information\/#primaryimage"},"thumbnailUrl":"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/Informations-genera-page-banner-1.jpg","datePublished":"2024-09-04T11:46:29+00:00","dateModified":"2026-01-22T00:06:49+00:00","description":"Discover the tax benefits and contribution options of the Community and Women's Groups Retirement Plan to ensure financial security in retirement.","breadcrumb":{"@id":"https:\/\/regimeretraite.ca\/en\/general-information\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regimeretraite.ca\/en\/general-information\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regimeretraite.ca\/en\/general-information\/#primaryimage","url":"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/Informations-genera-page-banner-1.jpg","contentUrl":"https:\/\/regimeretraite.ca\/wp-content\/uploads\/2024\/09\/Informations-genera-page-banner-1.jpg","width":1900,"height":856},{"@type":"BreadcrumbList","@id":"https:\/\/regimeretraite.ca\/en\/general-information\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/regimeretraite.ca\/en\/"},{"@type":"ListItem","position":2,"name":"General Information"}]},{"@type":"WebSite","@id":"https:\/\/regimeretraite.ca\/en\/#website","url":"https:\/\/regimeretraite.ca\/en\/","name":"R\u00e9gime de retraite des groupes communautaires et de femmes","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regimeretraite.ca\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/pages\/2898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/users\/224"}],"replies":[{"embeddable":true,"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/comments?post=2898"}],"version-history":[{"count":3,"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/pages\/2898\/revisions"}],"predecessor-version":[{"id":3168,"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/pages\/2898\/revisions\/3168"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/media\/2897"}],"wp:attachment":[{"href":"https:\/\/regimeretraite.ca\/en\/wp-json\/wp\/v2\/media?parent=2898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}