{"id":20560,"date":"2020-03-04T15:56:05","date_gmt":"2020-03-04T20:56:05","guid":{"rendered":"https:\/\/carleton.ca\/hr\/?page_id=20560"},"modified":"2026-01-20T11:00:31","modified_gmt":"2026-01-20T16:00:31","slug":"pension","status":"publish","type":"page","link":"https:\/\/carleton.ca\/hr\/pension\/","title":{"rendered":"Pension &amp; Retirement"},"content":{"rendered":"\n<section class=\"w-screen px-6 cu-section cu-section--white ml-offset-center md:px-8 lg:px-14\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n            <div class=\"cu-textmedia flex flex-col lg:flex-row mx-auto gap-6 md:gap-10 my-6 md:my-12 first:mt-0 max-w-5xl\">\n        <div class=\"justify-start cu-textmedia-content cu-prose-first-last\" style=\"flex: 0 0 100%;\">\n            <header class=\"font-light prose-xl cu-pageheader md:prose-2xl cu-component-updated cu-prose-first-last\">\n                                    <h1 class=\"cu-prose-first-last font-semibold !mt-2 mb-4 md:mb-6 relative after:absolute after:h-px after:bottom-0 after:bg-cu-red after:left-px text-3xl md:text-4xl lg:text-5xl lg:leading-[3.5rem] pb-5 after:w-10 text-cu-black-700 not-prose\">\n                        Pension &amp; Retirement\n                    <\/h1>\n                \n                                \n                            <\/header>\n\n                    <\/div>\n\n            <\/div>\n\n    <\/div>\n<\/section>\n\n\n\n\n<div class=\"w-full max-w-xl mx-auto overflow-hidden bg-white rounded-lg shadow-lg cu-stackedlist cu-component not-contained not-prose\">\n    <h2 class=\"px-6 py-4 text-base font-semibold border-b rounded-t-lg md:text-xl bg-gray-50 text-cu-black-800\">\n        Table of Contents\n    <\/h2>\n    <div class=\"grid cu-scrollto cu-stackedlist--toc cu-stackedlist--1 md:grid-cols-1\">\n            <div class=\"space-y-1\">\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        1.\n                    <\/span>\n\n                    <a href=\"#pension-plan-booklet\" class=\"font-medium hover:underline\">\n                        Pension Plan Booklet\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        2.\n                    <\/span>\n\n                    <a href=\"#retirement-plan-information\" class=\"font-medium hover:underline\">\n                        Retirement Plan Information\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        3.\n                    <\/span>\n\n                    <a href=\"#planning-your-retirement\" class=\"font-medium hover:underline\">\n                        Planning Your Retirement\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        4.\n                    <\/span>\n\n                    <a href=\"#retiree-benefits\" class=\"font-medium hover:underline\">\n                        Retiree Benefits\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        5.\n                    <\/span>\n\n                    <a href=\"#annual-pension-statements\" class=\"font-medium hover:underline\">\n                        Annual Pension Statements\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        6.\n                    <\/span>\n\n                    <a href=\"#disclaimer\" class=\"font-medium hover:underline\">\n                        Disclaimer\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n                    \n            <div class=\"pl-4 text-cu-red-700\">\n                <div class=\"flex gap-2 pb-3 text-base md:text-lg\">\n                    <span class=\"font-light text-cu-black-700\">\n                        7.\n                    <\/span>\n\n                    <a href=\"#frequently-asked-questions\" class=\"font-medium hover:underline\">\n                        Frequently Asked Questions\n                    <\/a>\n                <\/div>\n\n                            <\/div>\n            <\/div>\n\n    <\/div>\n<\/div>\n\n\n\n<p>The Carleton University Retirement Plan is a hybrid plan containing elements of both a Defined Benefit (Minimum Guarantee Pension) and a Defined Contributions (Money Purchase Pension) pension plans.<\/p>\n\n\n\n<h2 id=\"pension-plan-booklet\" class=\"wp-block-heading\">Pension Plan Booklet<\/h2>\n\n\n\n<p>This booklet has been prepared to give you an easy reference to the Carleton University Retirement Plan. The information in this document is general in nature.<\/p>\n\n\n\n<p>You may request a copy of the Carleton University Retirement Plan text by contacting Pension Fund Management at <a href=\"mailto:pensionfund@carleton.ca\">pensionfund@carleton.ca<\/a>.<\/p>\n\n\n\n    \n\n\n                                                                                                                                                                                                                                                                                                                                                        \n\n\n\n<section class=\"w-screen px-6 cu-section cu-section--white cu-section--cards ml-offset-center md:px-8 lg:px-14\" data-attributes=\"&#x7B;&quot;numberOfPosts&quot;&#x3A;1,&quot;blockType&quot;&#x3A;&quot;cards&quot;,&quot;contentType&quot;&#x3A;&quot;cu_file&quot;,&quot;currentPage&quot;&#x3A;1,&quot;blockBackground&quot;&#x3A;&quot;white&quot;,&quot;numberOfColumns&quot;&#x3A;3,&quot;showAllPosts&quot;&#x3A;false,&quot;order&quot;&#x3A;&quot;ASC&quot;,&quot;orderBy&quot;&#x3A;&quot;title&quot;,&quot;moreButton&quot;&#x3A;&quot;none&quot;,&quot;showFilter&quot;&#x3A;false,&quot;taxName&quot;&#x3A;&quot;cu_file_type&quot;,&quot;categories&quot;&#x3A;&quot;271&quot;,&quot;tags&quot;&#x3A;&quot;&quot;&#x7D;\" data-page=\"2\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n                \n                \n        <div class=\"cu-loading hidden text-center mx-auto h-6 w-6 animate-spin rounded-full border-4 border-solid border-current border-r-transparent align-[-0.125em] motion-reduce:animate-[spin_1.5s_linear_infinite]\" role=\"status\">\n    <span class=\"!absolute !-m-px !h-px !w-px !overflow-hidden !whitespace-nowrap !border-0 !p-0 ![clip:rect(0,0,0,0)]\">\n        Loading&#8230;\n    <\/span>\n<\/div>\n\n                                        \n        <p class=\"cu-no-posts hidden\">\n            No\n            file\n\n            posts are available.\n        <\/p>\n\n                <div class=\"cu-column cu-component not-contained mx-auto grid max-w-5xl md:grid-cols-3 gap-6 md:gap-10\">\n                        \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/file-pdf.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Pension Plan Booklet\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2021\/08\/Carleton-University-Pension-Booklet-Aug-2025-NEWLOOK.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Pension Plan Booklet\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n                    \n        <\/div>\n        \n                                    \n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"retirement-plan-information\" class=\"wp-block-heading\">Retirement Plan Information<\/h2>\n\n\n\n<p>Learn about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plan eligibility<\/li>\n\n\n\n<li>Growing your pension assets<\/li>\n\n\n\n<li>Buying back past service<\/li>\n\n\n\n<li>Pension portability<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/carleton.ca\/hr\/pension\/retirement-plan-information\/\">View more<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"planning-your-retirement\" class=\"wp-block-heading\">Planning Your Retirement<\/h2>\n\n\n\n<p>Learn about the pension plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pre-Retirement Information<\/li>\n\n\n\n<li>Early, normal, and postponed retirement<\/li>\n\n\n\n<li>Types of pensions<em>&nbsp;\u2013 MPP, MGP, AVC<\/em><\/li>\n\n\n\n<li>Pension options <em>\u2013 Normal, Life Guaranteed, Life, Joint Life Survivorship<\/em><\/li>\n\n\n\n<li>Adjustment to pension after retirement<\/li>\n\n\n\n<li>Historical pension fund interest rates<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/carleton.ca\/hr\/pension\/planning-your-retirement\/\">View more<\/a><\/div>\n<\/div>\n\n\n\n    \n\n\n                                                                                                                                                                                                                                                                                                                                                        \n\n\n\n<section class=\"w-screen px-6 cu-section cu-section--white cu-section--cards ml-offset-center md:px-8 lg:px-14\" data-attributes=\"&#x7B;&quot;numberOfPosts&quot;&#x3A;3,&quot;blockType&quot;&#x3A;&quot;cards&quot;,&quot;contentType&quot;&#x3A;&quot;cu_file&quot;,&quot;currentPage&quot;&#x3A;1,&quot;blockBackground&quot;&#x3A;&quot;white&quot;,&quot;numberOfColumns&quot;&#x3A;3,&quot;showAllPosts&quot;&#x3A;false,&quot;order&quot;&#x3A;&quot;ASC&quot;,&quot;orderBy&quot;&#x3A;&quot;title&quot;,&quot;moreButton&quot;&#x3A;&quot;none&quot;,&quot;showFilter&quot;&#x3A;false,&quot;taxName&quot;&#x3A;&quot;cu_file_type&quot;,&quot;categories&quot;&#x3A;&quot;272&quot;,&quot;tags&quot;&#x3A;&quot;&quot;&#x7D;\" data-page=\"2\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n                \n                \n        <div class=\"cu-loading hidden text-center mx-auto h-6 w-6 animate-spin rounded-full border-4 border-solid border-current border-r-transparent align-[-0.125em] motion-reduce:animate-[spin_1.5s_linear_infinite]\" role=\"status\">\n    <span class=\"!absolute !-m-px !h-px !w-px !overflow-hidden !whitespace-nowrap !border-0 !p-0 ![clip:rect(0,0,0,0)]\">\n        Loading&#8230;\n    <\/span>\n<\/div>\n\n                                        \n        <p class=\"cu-no-posts hidden\">\n            No\n            file\n\n            posts are available.\n        <\/p>\n\n                <div class=\"cu-column cu-component not-contained mx-auto grid max-w-5xl md:grid-cols-3 gap-6 md:gap-10\">\n                        \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/file-pdf.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Pension Plan Booklet\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2021\/08\/Carleton-University-Pension-Booklet-Aug-2025-NEWLOOK.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Pension Plan Booklet\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n            \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/file-pdf.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Pre-Retirement Information\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2023\/05\/Carleton-Pre-Retirement-Information-2025-FINAL-To-Post.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Pre-Retirement Information\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n            \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/external-link.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Retirement Checklist\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2020\/08\/Retirement-Checklist-v2.12-2026.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Retirement Checklist\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n                    \n        <\/div>\n        \n                                    \n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"retiree-benefits\" class=\"wp-block-heading\">Retiree Benefits<\/h2>\n\n\n\n<p><a href=\"https:\/\/carleton.ca\/hr\/pension\/retiree-benefits\/\">Carleton Retiree Benefits<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/carleton.ca\/hr\/pension\/retiree-benefits\/#sect1.1\">Benefits at a Glance<\/a>, <a href=\"https:\/\/carleton.ca\/hr\/pension\/retiree-benefits\/#sect1.2\">Benefits Booklets<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/carleton.ca\/hr\/pension\/retiree-benefits\/#sect2\">Basic and Optional Life Insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"text-decoration: underline\">Private Supplemental Retiree Benefit Plans<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.canadalife.com%2Finsurance%2Fhealth-and-dental-insurance.html&amp;data=05%7C01%7CJamesLee3%40cunet.carleton.ca%7C8b6ad65f9233421213c808db1997428a%7C6ad91895de06485ebc51fce126cc8530%7C0%7C0%7C638131909658549584%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=7PBtCsZZRFTJlXQyf5OEouBBhJdkOdCgUyZHLsbx0rc%3D&amp;reserved=0\">Freedom to Choose\u2122 health and dental insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.victorinsurance.com\/ca\/en\/ri\/get-a-quote-and-enroll.html\" target=\"_blank\" rel=\"noreferrer noopener\">Retiree Benefits (victorinsurance.ca)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/rtoero.ca\/insurance\/dental-plan\/\">RTO Dental Plan &#8211; RTOERO<\/a><\/li>\n<\/ul>\n\n\n\n<p>The&nbsp;<a href=\"https:\/\/itsjira.carleton.ca\/servicedesk\/customer\/portal\/17\/create\/805\" target=\"_blank\" rel=\"noreferrer noopener\">Pension Services<\/a>&nbsp;team is available to provide pre-retirement information and calculations regarding the pension and benefit options.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/carleton.ca\/hr\/pension\/retiree-benefits\/\">View more<\/a><\/div>\n<\/div>\n\n\n\n<h2 id=\"annual-pension-statements\" class=\"wp-block-heading\">Annual Pension Statements<\/h2>\n\n\n\n<p>Access your annual pension statements online by logging into your <a href=\"https:\/\/i.carleton.ca\/my-hr\/\">My HR: Carleton Intranet<\/a>. If you have previously only received paper copies of your annual pension statements and would like to instead receive your statement online, please email <a href=\"mailto:HumanResources@cunet.carleton.ca\">HumanResources@cunet.carleton.ca<\/a>.<\/p>\n\n\n\n<p>In addition, you may access supplemental pension information by clicking <a href=\"https:\/\/carleton.ca\/hr\/supplemental-pension-information\/\">here<\/a>.<\/p>\n\n\n\n<h2 id=\"disclaimer\" class=\"wp-block-heading\">Disclaimer<\/h2>\n\n\n\n<p>These web pages have been prepared to give you a quick and easy reference to the Carleton University Retirement Plan. The information is general in nature. &nbsp;It does not constitute legal or actuarial advice about your rights and obligations and is not binding on Carleton University.<\/p>\n\n\n\n<p>Should there be any conflict or omission between the information here and that contained in the Pension Benefits Act of Ontario (PBA), other applicable laws or the Plan documents, the PBA, other laws and plan documents apply. &nbsp;The information provided here may include interpretations and administrative procedures as understood at the time of issuance.<\/p>\n\n\n\n<p>Carleton University reserves the right to change or amend these interpretations and administrative procedures, whether or not the information in this document is updated.<\/p>\n\n\n\n<p>Pension issues and options are extremely complex. It is important that you seek professional advice about your financial situation and estate planning.<\/p>\n\n\n\n<h2 id=\"frequently-asked-questions\" class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<section class=\"w-screen px-6 cu-section cu-section--white ml-offset-center md:px-8 lg:px-14\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n        \n        \n    <dl class=\"cu-description cu-component\">\n                                    <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25749-1\" role=\"button\" tabindex=\"0\">\n            How may I obtain a pension estimate?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25749-1\">\n        <!-- wp:cu-block\/page-header {\"title\":\"How may I obtain a pension estimate?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>You may use the <a href=\"https:\/\/www.carleton-ret.ca\/\">Carleton Retirement Planner<\/a> to review your pension details and to calculate\u00a0 pension estimates.\u00a0 Review the <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2017\/01\/Carleton-Retirement-Planner-Guide-2025.pdf\">Retirement Planner User Guide<\/a> for details.<\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25753-2\" role=\"button\" tabindex=\"0\">\n            What happens if I become sick?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25753-2\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens if I become sick?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you become sick, you continue to make pension contributions.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25754-3\" role=\"button\" tabindex=\"0\">\n            What happens to my pension if I become disabled?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25754-3\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my pension if I become disabled?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you become disabled and are receiving bene\ufb01ts 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.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you remain disabled and receive disability bene\ufb01ts 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, 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. Your bene\ufb01ciary or estate will receive bene\ufb01ts according to the form of pension payment you chose at retirement.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25752-4\" role=\"button\" tabindex=\"0\">\n            What happens to my pension if I die after retirement?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25752-4\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my pension if I die after retirement?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you die after retirement, then the bene\ufb01ts payable will be in accordance with the provision of the applicable form of pension that you chose.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you die after retirement and prior to the expiry of any applicable guarantee period, the designated bene\ufb01ciary will receive any remaining monthly payments until the end of the guarantee period. The bene\ufb01ciary may elect to receive the commuted valuate of the remaining instalments in a lump sum cash payment.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25751-5\" role=\"button\" tabindex=\"0\">\n            What happens to my pension if I die before retirement?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25751-5\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my pension if I die before retirement?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>If you die before retirement, your bene\ufb01ciary or estate will receive the greater of the commuted value of your Minimum Guarantee pension or the balance in your Money Purchase Component Account (both Employee plus Employer portions and investment earnings) plus your Voluntary contributions Account, if applicable.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>In the absence of a waiver signed by your spouse, the pre-retirement death bene\ufb01t will be paid to your spouse, not to your beneficiary if other than your spouse. This is required by legislation.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25755-6\" role=\"button\" tabindex=\"0\">\n            What happens to my pension on termination of employment?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25755-6\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my pension on termination of employment?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>On termination of employment at Carleton University you have the following options regarding your pension monies:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Leave pension monies in the plan to accrue interest until retirement age or transfer out at a future date<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Transfer the monies from the plan to a LIRA (locked-in RRSP) account with your bank<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Transfer the monies to your next employer\u2019s pension plan if that plan\u2019s administrator will accept the monies<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>In some cases the small pension rule may apply, then monies can be taken in cash or transferred to an RRSP<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>Within 30 to 40 days of your last day of employment at Carleton, a Statement and Election of Benefits on Termination of Employment will be mailed to you.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You will then have an additional 90 days to make your decision once you are in receipt of the Statement.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>Please ensure your mailing address is correct and provide a personal email address prior to leaving\/terminating from Carleton University.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25759-7\" role=\"button\" tabindex=\"0\">\n            What happens to my retiree benefits if I die after I retire?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25759-7\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my retiree benefits if I die after I retire?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>Your surviving spouse and eligible dependants may continue &#8220;survivor&#8221; benefits coverage if they were covered under your plan while you were alive.<\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-26764-8\" role=\"button\" tabindex=\"0\">\n            What happens to my retiree benefits if I get divorced after I retire?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-26764-8\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my retiree benefits if I get divorced after I retire?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>Your ex-spouse\u2019s extended and dental (if applicable) coverage terminates on date of the the divorce.\u00a0 Any eligible dependants\u2019 coverage continues.<\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25758-9\" role=\"button\" tabindex=\"0\">\n            What happens to my retiree benefits if I get separated after I retire?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25758-9\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my retiree benefits if I get separated after I retire?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>Your separated spouse may continue coverage in the extended and dental (if applicable) plan if this is stipulated in the separation agreement. Any eligible dependants&#8217; coverage continues.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25760-10\" role=\"button\" tabindex=\"0\">\n            What happens to my retiree benefits if I have a new spouse after I retire?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25760-10\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What happens to my retiree benefits if I have a new spouse after I retire?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>You can not add any spouse (legal or common-law) or other dependants to your plan after you retire.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25756-11\" role=\"button\" tabindex=\"0\">\n            What If I go on an unpaid leave?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25756-11\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What If I go on an unpaid leave?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>You may elect to continue to contribute to the pension plan. You will be required to pay both your regular contributions and those of the employer.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                                                <div class=\"grid py-3 border-b accordion border-cu-black-100 md:py-4 first:border-t\">\n    <dt class=\"font-semibold not-prose\">\n        <div class=\"flex items-center w-full accordion__button\" aria-expanded=\"false\" aria-controls=\"accordion-25757-12\" role=\"button\" tabindex=\"0\">\n            What If I go on Maternity, Adoption or Parental Leave?\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\" stroke-width=\"1.5\" stroke=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\" class=\"w-5 h-5 ml-auto transition-transform rotate-0 accordion__icon text-cu-black-500\">\n                <path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"m8.25 4.5 7.5 7.5-7.5 7.5\"><\/path>\n            <\/svg>\n        <\/div>\n    <\/dt>\n    <dd class=\"accordion__content !p-0 md:p-0 mt-0 md:mt-0\" hidden=\"\" id=\"accordion-25757-12\">\n        <!-- wp:cu-block\/page-header {\"title\":\"What If I go on Maternity, Adoption or Parental Leave?\",\"isFirstBlock\":true} \/-->\n\n<!-- wp:paragraph {\"placeholder\":\"Type \/ to choose a block\"} -->\n<p>You may continue to make your regular pension contributions during this leave.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n    <\/dd>\n<\/div>\n                        <\/dl>\n\n    \n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>The Carleton University Retirement Plan is a hybrid plan containing elements of both a Defined Benefit (Minimum Guarantee Pension) and a Defined Contributions (Money Purchase Pension) pension plans. Pension Plan Booklet This booklet has been prepared to give you an easy reference to the Carleton University Retirement Plan. The information in this document is general [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cu_dining_location_slug":"","footnotes":"","_links_to":"","_links_to_target":""},"cu_page_type":[206],"class_list":["post-20560","page","type-page","status-publish","hentry","cu_page_type-pension"],"acf":{"cu_post_thumbnail":""},"_links":{"self":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/comments?post=20560"}],"version-history":[{"count":5,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20560\/revisions"}],"predecessor-version":[{"id":27246,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20560\/revisions\/27246"}],"wp:attachment":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/media?parent=20560"}],"wp:term":[{"taxonomy":"cu_page_type","embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/cu_page_type?post=20560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}