Sue phillips amp; Terasa cooley). Presentation Transcript, you can Plan On It! Metro ny district, annual Assembly 2012, rev. Central East Regional Group (with adaptations of select material. Sue phillips terasa cooley). Overview, difference between Problem, developmental and Frame-bending/Strategic Planning. Definitions of Strategic Process and Elements.
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The cra maximum typically applies to employees with a final average earnings of greater than approximately 155,000 Pension example normal retirement date: July 1, words 2013 Retirement date: July 1, 2013 Marital status: married spouse 14 years younger Credited service: 29.7493 years Money purchase account balance at July 1, 2013. Calculating the mgp together Date of Birth: June 1955 Normal Retirement Date: July 1, 2020 Actual Retirement Date: July 1, 2013 Credited Service: 14.0014 years Early retirement reduction: 27 mgp continued Years Earnings ympe statement july 20 82,968.29 50,6 june 2012 80,846.04 49,2 june 2011 81,250.27 47,7 june 2010 81,288.35 46,7 june 2004 80,795.78 40,200 Final average earnings 407,148.73 /5 81,429.75 Final average ympe 234,500. E-mail call extension 27572 (askpb) the phone line is open from 9:00 am to 4:00 pm Monday to Friday. For Fridays in June, july and August the phone line closes at 3:00. Please have your employee id ready when you call. Any form or document that we may need from you can be completed, scanned and emailed. You can Plan On It! Download Presentation, you can Plan On It! 1 / 84, you can Plan On It! Metro ny district Annual Assembly 2012 rev. Joan Van Becelaere central East Regional Group (with adaptations of select material by revs.
For example: nrd july 2041 (joint survivor 50 with no guarantee) Spouse 2 years younger: 996 per month Spouse 5 years younger: 985 per month Spouse 10 years younger: 968 per month Spouse 20 years younger: 941 per month Annuity/mortality table The canadian Institute. The mortality experience of the plan helps determine which table is used in the calculation of a money purchase pension. York uses a customized table based on 70 of mortality rates in the standard 1994 Group Annuity mortality table (gam 1994) plus a projection scale aa with mortality improvements limited to 1 per annum starting in 2000. Mpc how they fit together Each time the system margaret produces a pension estimate it actually runs three calculations at the same time: Money purchase component Pension Minimum guarantee pension Canada revenue agency (CRA) has a maximum pension permitted under the mgp portion of the pension. If your pension is based on the minimum guarantee pension then we have to ensure it is not greater than the cra maximum. Cra maximums The cra maximum includes a maximum of 35 years of service. The 2013 maximum is 2,696.67 for each year of service up to the 35 year maximum. For example: 2,696.67 X 35 94,383.45 per year or 7,865.28 per month.
Credited Service, there is a difference between credited service and continuous service: Credited Service the general total number of years of pension plan membership. You can not earn service if contributions by you or the University are not maintained at the full rate for each month in the calendar year. Continuous Service your unbroken service with the University including vacation, authorized sick leave, and authorized leaves of absence. Mgp and early retirement. If you elect to retire prior to your normal retirement date there is a reduction in the pension amount. A reduction of 3 per year or part year for retirement between age 60 and 65 and a further reduction of 6 per year for each year or part year for retirement between age 55 and 60 Money purchase component (MPC) The mandatory contributions made. Money purchase marital status and the age of your spouse can have a significant impact to the money purchase pension.
Your retirement pension may be adjusted at the beginning of each calendar year if the moving four-year average fund return is in excess of 6 at that time. In the event the moving four-year average fund return is below 6, no reduction will be made to your pension; however, this deficit will be tracked and future adjustments (positive or negative) will be applied to the reduced amount. You wont receive any further increments until the deficit is paid. Minimum guarantee pension (MGP).4 of your final average earnings at retirement up to the average ympe for those years plus.9 of your final average earnings at retirement above the average ympe for those years multiplied. Your credited service in the pension plan. Final average earnings (fae your fae is the five highest years of earnings prior to retirement. They do not have to be consecutive. We work backwards in twelve month periods.
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While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. Presentation Transcript, purpose of this Seminar, pension raisin plan contributions. Minimum guarantee pension (mgp money purchase component (mpc mgp. Pension Plan Contributions, employee.5 up to the ympe and 6 above the ympe. Employer.5 up to the ympe and 6 above the ympe plus an additional.
The 3 is to help fund the non Reduction Reserve (NRR) this is included in your pension statement with the employer contributions however tracked separately in the pension system. Ympe (Years Maximum Pensionable earnings the dollar amount set each year by the canada revenue agency (CRA) which determines the maximum amount on which to base contributions to the canada pension Plan. The ympe specifies the earnings amount that can be used in calculating pension contributions for each year. The 2013 figure is 51,100. The ympe changes each year and cra normally announces the new figure in november. Non Reduction Reserve, when you first retire, the actuarial factors used to calculate the money purchase pension assume the pension Fund will earn 6 annually throughout your retirement.
Download, skip this Video, loading SlideShow in 5 Seconds. Building Blocks yorks Pension Plan PowerPoint Presentation. Download Presentation, building Blocks yorks Pension Plan 1 / 23, building Blocks yorks Pension Plan. Purpose of this Seminar. Pension plan contributions Minimum guarantee pension (MGP) Money purchase component (MPC) mgp.
Mpc how they fit together. Employee.5 up to the ympe and 6 above the ympe. Copyright Complaint Adult Content Flag as Inappropriate. I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described. Download Presentation, an Image/Link below is provided (as is) to download presentation. Download Policy: Content on the website is provided to you as is for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.
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