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​​Leaving your employment​


Termination options

When your employment is terminated – meaning you no longer work for a participating employer member of the CSS Pension Plan – you can no longer contribute to the Plan and will have to decide what to do with any pension funds you've accumulated.

Your employer will let us know that you are done working, then we'll send you a current statement of your account along with a description of your termination options.​


You can withdraw any non-locked-in funds as cash (subject to withholding taxes) or transfer them to a Registered Retirement Savings Plan (RRSP) with your credit union or financial institution. To find detailed instructions and required forms, please read Withdrawal and Transfer Instructions.

In choosing this option, you'll complete the Application for Withdrawal or Transfer form.

You can transfer all of your locked-in funds out of the Plan into a Locked-In Retirement Account (LIRA) or a Locked-In Retirement Savings Plan (LRSP) with your credit union or financial institution. To find detailed instructions and required forms, please read Withdrawal and Transfer Instructions.

In choosing this option, you'll complete the Application for Withdrawal or Transfer form.

If your new employer's pension plan accepts transfers, you have the option to move your CSS pension funds into that pension plan. To find detailed instructions and required forms, please read Withdrawal and Transfer Instructions.

Contact us​ for instructions and next steps.​​

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Transferring between employer members

A key benefit of your membership with the CSS Pension Plan is that you can take your pension with you if you leave one participating employer member of the Plan for another.

This is considered a transfer between employers, meaning we do not deem your employment terminated (you are still working for a Plan employer, so in our eyes you are still a Plan member).

Transferring between employer members is often seamless. Depending on the length of your break in service between your previous employer and your new employer, you may be able to skip the ​waiting period and continue contributing to the CSS Pension Plan immediately. Talk to us or your new ​employer ​to determine your eligibility.


Early retirement age

  • If your employment is terminated and you've reached your early retirement age, then you'll also have retirement income options available to you.

  • If your employment is terminated because of disability, injury or illness, you may be able to use your pension funds to provide a retirement income before you reach your early retirement age. See taking a leave​​ for more information about your options. ​