The Local 18 Crest
MEMBER PORTAL

DISABILITY

Summary

Forms

Booklet

$500 per week, integrated with Employment Insurance (EI)

To receive Weekly Income benefits you need not be confined at home, but your disability must be severe enough to prevent you from performing your regular work, and you must be under the continuous care and personal attendance of a physician.

  • Weekly Income benefits begin with the first day of disability due to injury or the eighth day of disability due to illness. Definition of an accident is interpreted as follows:
    • Damage that is the result of an unexpected or an unforeseen event that occurs by chance and causes bodily injury.
    • If you have not seen a physician on or before the date benefits would otherwise start, they will not start until after your first visit to the physician.
    • If you are hospitalized for at least 24 hours or have day surgery before the eighth day
      of illness, benefits will begin on the first day of hospitalization or the date of surgery.
Disability Details

Summary

Retirement Dates

You can retire with an unreduced pension at age 63, postpone your retirement past 63, or retire early any time after age 53, but reductions may apply due to starting your pension early.

To be eligible to retire and receive a pension under the Plan, a Member must meet the following criteria:

  1. be at least 53 years of age,
  2. have attained “Vested Status,”
  3. if early or Special Early retirement, must discontinue employment through Local 18

 

In addition, Members who have attained age 63 but have not applied for pension benefits may continue to be employed and receive Credited Hours until the end of the calendar year in which they reach age 71, after which no further Credited Hours will be earned under the Plan and at which time you must apply to commence your pension. By law, you must start collecting your pension by December 1, in the year you turn 71.

Your annual pension is determined by multiplying the pension rate by the total number of your Credited Hours at your retirement date.

When you apply for your pension, you will receive a statement and election form that states these options.

  1. Life, guaranteed 15 years (Members without Spouses only)
  2. Level Joint and Survivor, guaranteed 10 years
  3. Joint and Survivor, reducing by 1/3, guaranteed 10 years
  4. Joint and Survivor, reducing by 40%, guaranteed 10 years
  5. Reducing Joint and Last Survivor Integrated with CPP and OAS
  6. Reducing Joint and Last Survivor Integrated with OAS
  7. Lump Sum Option – Only for Small Pensions

More information on each of these options can be found in the “Forms of Pensions Payments” section of the Booklet.

If you are eligible and elect to retire early after age 53, you qualify for Special Early Retirement if you meet the following criteria:

  1. have completed 240 months (20 years) of membership in Local 18, and,
  2. are a Member in good standing with Local 18 at the time of application for pension and on Early Retirement Date, and
  3. Discontinue employment through Local 18.

 

In meeting the 20-year requirement above, membership in Local 18 does not include any service for which a Member earned a normal pension benefit and elected to withdraw such pension from this Plan (only if withdrawn after January 1, 2000).

More information can be found in the Special Early Retirement section of the Booklet.

Forms

  • Retirement Application
  • Joint and Survivor Waiver
  • Dues Trust Fund Option
  • Bridging Application
  • Release and Indemnity
  • Authorization and Disclosure

Booklet

Retirement Details - Pension Booklet