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​​Withdrawal and transfer instructions


A completed Employee Termination Notice is provided to terminated employees by their former employer, along with their final pay. To process a withdrawal or ​transfer request in the same year that employment terminates, this form must be forwarded to CSS.

On the reverse of the Employee Termination Notice is an Application for Withdrawal or Transfer form that lists the options available to a terminated employee. We require a completed Application for Withdrawal or Transfer form to process all withdrawal and transfer requests, regardless of whether they occur in the same year that employment terminates.

Before we can process a withdrawal or transfer request, we require the following documentation:

Withdrawal of non-locked-in funds as cash:

  • A completed two-sided form: [Side 1 - "Employee Termination Notice" to be completed by the former employer: Side 2 - "Application for Withdrawal or Transfer" form to be completed by the employee].


Transfer of non-locked-in funds to an RRSP or RRIF:

  • A completed two-sided form [Side 1 - "Employee Termination Notice" to be completed by the former employer: Side 2 - "Application for Withdrawal or Transfer" form to be completed by the employee].

  • T2151 form with Area 1 and Part D fully and properly completed - including contract number and complete mailing address of the issuer.


Transfer of locked-in funds to a Locked In RRSP, LIRA, LIF, LRIF or PRRIF:

Non-locked-in funds cannot be transferred to the same plan as locked-in funds. As a result, we require two separate T2151 forms for non-locked-in and locked-in funds.

  • A completed two-sided form [Side 1 - "Employee Termination Notice" to be completed by the former employer: Side 2 - "Application for Withdrawal or Transfer" form to be completed by the employee].

  • T2151 form with Area 1 and Part D fully and properly completed - including contract number and full mailing address of the issuer.

  • A completed CSS Lock-In Transfer Agreement for the applicable province. This form requires a signature from the former member and a signature on behalf of the receiving issuer (financial institution).
Pension legislation provides that requests for withdrawals/transfers must be processed within 60 days after receipt of all proper documentation. In most cases, the CSS Pension Plan processes withdrawal and transfer requests on a weekly basis.

Unless you make prior arrangements, documents and funds will be sent to you, or your financial institution, by regular mail. If you wish to arrange a courier, you may do so at your own expense.

For more information or if you have questions please contact:

Terri Imhoff
Direct Line: (306) 477-8512


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