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Retiree Benefits

Retiree Benefits Packages

You may be eligible for some benefits through Carleton depending on your coverage while working, number of years of service, employee group affiliation and whether you will be in receipt of an immediate monthly Carleton pension. 

Important: If you defer your pension or if you transfer funds out of the pension plan you will not be eligible for any retiree benefits.

Once enrolled, coverage continues upon your death to your eligible dependents.

Note: Fraudulent claims submission is a serious offence that will lead to termination of coverage.

Benefits at a Glance

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Administrative Technical Exempt – Retiree Benefits at a Glance

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CUASA – Retiree Benefits at a Glance

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CUASA Exempt – Retiree Benefits at a Glance

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CUPE 2424 – Retiree Benefits at a Glance

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CUPE 3778 – Retiree Benefits at a Glance

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CUPE 910 – Retiree Benefits at a Glance

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Non-Union – Retiree Benefits at a Glance

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OPSEU 404 – Retiree Benefits at a Glance

Benefits Booklets

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Administrative and Technical Exempt Retirees Benefits Booklet

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CUASA – Academic Management Retiree Benefit Booklet

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CUASA – Retiree Benefit Booklet

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CUPE 2424 – Retiree Benefit Booklet

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CUPE 3011 – Retiree Benefit Booklet

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CUPE 3778 – Retiree Benefit Booklet

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CUPE 910 – Retiree Benefit Booklet

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Non-Union Retirees Benefits Booklet

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Safety (University Security) Retiree (on or after Oct 1, 2002) Benefits Booklet

Basic and Optional Life Insurance

Extended Health Care

At retirement, members with continuing appointments, who are covered for the Extended Health Care benefit, who have at least five years continuous service and take an immediate pension are eligible to have this benefit for themselves and for their spouse and eligible dependents.

Coverage continues upon your death to your eligible dependents.

Considerations

Cost-Sharing Arrangements for Extended Health Care

CUPE 2424 Retirees

Cost sharing remains the same as for active employees and any changes in rate will be applied.

Other Employee Groups

The University will pay 100% of the premium.

CUASA Specific Benefits
  • Extended Health Care 8 or more years of service – The University will pay 100% of the premium 4-7 years of service – Cost sharing remains the same as for active employees and any change in rate will be applied Less than 4 years of service – The retiree will pay 100% of the premium and any change in rate will be applied
  • Dental Plan CUASA retirees may continue in the dental plan after retirement based on the same eligibility and cost sharing criteria as the health plan outlined above. If you become a non-resident, you will not lose this coverage.
  • Health Services CUASA retirees with continuous appointments who take an immediate pension will continue to have access to Health Services after retirement.
  • Faculty members who retire from Carleton may choose to apply to hold an honorary rank. The roles, responsibilities, criteria, and processes are outlined in the Honorary Ranks Policy on the University Secretary’s website.
  • Retired faculty, who wish to teach as contract instructors, will have Canada Pension Plan (CPP) and Employment Insurance (EI) deducted from their stipend. CPP contributions will not be deducted after age 65 if you provide Payroll with a copy of the CPT30 form stating election to stop contributing to the CPP.
  • Email access continues after retirement.

Disability Benefits

If you become disabled and are receiving benefits from the Long Term Disability Plan, you will continue to participate in the Retirement Plan and the required contributions to the plan will be made on your behalf at no cost to you.

If you remain disabled and receive disability benefits up to age 65, the Minimum Guarantee Pension will still apply. It will be based on your years of service including the years you were disabled, and your earnings at the time you became disabled, adjusted by the cost of living up to three percent annually on July 1, each year following your date of disability.

Termination Benefits

If you terminate employment with the University you may:

Note: If your employment with the University is terminated after your Normal Retirement Date (NRD), you will not have the option of a transfer. If your employment with the University is terminated prior to your NRD, the option of a transfer is only available if you inform the University of your election and provide any required documentation at least 60 days prior to your NRD.

Additional Voluntary Contributions can be withdrawn in cash, transferred to an RRSP or RRIF, or left in the Plan, provided the basic pension remains in the plan. However, any special transferred contributions which were subject to “locking in” must remain locked-in. Cash withdrawals are subject to taxation.

In the event of a death of a pensioner or spouse, please contact a Pension Specialist.

The Pension Specialist will request:

Other Benefits/Notes

Retiree Campus Card

As a Carleton University Retiree, if you have a continuing appointment with at least 5 years of service and take an immediate pension at retirement, a retiree ID card will be issued to you to allow for continued access to the Library and Athletics facilities. Visit the Campus Card Office to get your new card.

Out of Country Emergency Coverage

If you are planning to travel in retirement, remember that the Carleton health plan offers out-of-country emergency coverage for a travel period up to six months through Canada Life Global Medical Assistance. The emergency numbers are on the back of your Carleton prescription drug card.

Retiree Association

The Carleton University Retirees Association is managed by volunteers.  Joining the Carleton University Retiree Association can help enable you to remain in contact with former colleagues.