The information on this page is intended to be a quick guide for retired provincial court Judges appointed under the Provincial Court Act and Applications Judges appointed under the Court of King’s Bench Act Judges in receipt of pension benefits. For more in-depth information, please see the member handbook.
Your Pension Profile is a secure, online portal for all JPP members—active, deferred, pensioner and any spouse or pension partner receiving a survivor benefit. Register for an account on Your Pension Profile to access the dashboard and online tools so you can view and update your beneficiaries, address, communication preferences or retirement information. You can also securely send personal information and documents when logged in.
All pensioners receive a Pensioner Annual Statement. The annual statement includes your Cost-of-Living Adjustment (COLA) amount monthly pension amount(s), and additional relevant pension information.
Pensions payable by the Plan are increased each year on January 1. The increase is based on the increase during the twelve-month period ending on October 31 in the previous year. COLA is prorated for pensions that became payable between January 1 and December 31 of the previous year.
For 2024, COLA information is as follows:
To receive Old Age Security (OAS) and Canada Pension Plan (CPP) benefits, you must apply to the federal government. These benefits are normally paid from age 65; however, you can choose to receive a reduced CPP benefit at age 60 or, alternatively, you can defer CPP payments as long as you begin to draw your CPP by age 70.
For more information on federal benefits, check your local directory under Government of Canada.
In the event of your death, the Plan must be notified of your passing. Please ensure that your family or the executor of your estate is aware that it is important to contact us as soon as possible.
Initial notification may be made by telephone, fax or letter. A copy of either the death certificate or Funeral Director’s certificate will be required for our records.
If you chose a joint lifetime pension option, APS must be notified immediately if either you or your pension partner dies. If APS is notified too late to stop or change payments, there may be overpayments that have to be paid back to the Plan.
After your death, the amount of pension payments made, if any, will depend on the type of pension option you chose at retirement. It will be helpful to your family or the executor of your estate if you keep a copy of the completed Retirement Benefit Statement (previously referred to as the Member’s Pension Choice form) with your records. That way they will be aware of what happens to the pension benefit after your death.
The Explanation of Benefits included in the Retirement Benefit Statement, explains the pension options in detail and includes information about the survivor benefit features of each option.
Pension Coordination is no longer offered for retirements after April 1, 1998. If you retired before April 1, 1998 and chose Pension Coordination when you made your pension choice, keep in mind:
There are several different forms of pension available to suit personal circumstances. The monthly pension amount varies from option to option because of the different guaranteed terms and survivor benefits available under these different options. The pension options available will depend on whether a member has a pension partner or a nominee at their pension commencement and, if they have a pension partner, whether their pension partner completes a pension partner waiver.
Joint Lifetime with Reduced Survivor Benefit
This is the Normal Form of pension for members with a pension partner who has not completed a pension partner waiver. This pension option is paid to a member for as long as they live. If the member's pension partner passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their pension partner, their pension partner will receive a survivor pension benefit for the rest of their lifetime that is payable at 75% of the pension amount that was payable to the member.
Joint Lifetime
This option will be paid to a member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their nominee, the same amount of pension will be paid to the nominee for the remainder of their lifetime.
Joint Lifetime Guaranteed at Least 5 Years
This option will be paid to a member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member 13 of 24 Judges Pension Plan Member Handbook The Provincial Judges and Applications Judges Registered and Unregistered Pension Plans Member Handbook passes away before their nominee, the same amount of pension will be paid to the nominee for the remainder of their lifetime. If both the member and their nominee pass away within five years of the pension commencement date, a benefit will be paid to the designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.
Joint Lifetime Reduced by 1/3
This option will be paid to the member for their lifetime. If the member passes away before their nominee, the pension will then be paid to the nominee for the remainder of their lifetime. Upon the death of either the member or their nominee, the pension benefit will be reduced by 1/3. This reduced pension will continue to be paid to the survivor for the remainder of their lifetime. This means that if the nominee passes away before the member, the member's pension will be reduced to 2/3 of the original pension amount.
Joint Lifetime Reduced by 1/3 Guaranteed At Least 5 Years
This option will be paid to the member for their lifetime. If the member passes away before their nominee, the pension will then be paid to the nominee for the remainder of their lifetime.
Upon the death of either the member or their nominee, the pension benefit will be reduced by 1/3. This reduced pension will continue to be paid to the survivor for the remainder of their lifetime. This means that if the nominee passes away before the member, the member's pension will be reduced to 2/3 of the original pension amount.
If both the member and their nominee pass away within five years of the pension commencement date, a benefit will be paid to the designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the reduced monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.
Joint Lifetime Reduced by 1/4
This option will be paid to the member for their lifetime. If the member's nominee passes away before the member, the member will continue to receive the same pension amount. If the member passes away before their nominee, the monthly payment to the nominee will be reduced by 1/4. This reduced pension will continue to be paid for the remainder of their lifetime.
These options can only be chosen if a member does not have a pension partner on their pension commencement date, or if their pension partner chooses to complete a pension partner waiver giving up any right to a lifetime survivor benefit.
Single Lifetime (No Guaranteed Term)
This option is the Normal Form of pension for members without a pension partner or whose pension partner has completed a pension partner waiver. This pension option is paid to the member for as long as they live. No further payments will be made after the member's death.
Single Lifetime Guaranteed at Least 5 Years
This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 5 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.
Single Lifetime Guaranteed at Least 10 Years
This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 10 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.
Single Lifetime Guaranteed at Least 15 Years
This option will be paid for the member's lifetime. If the member passes away before the end of the guaranteed term of 15 years, a benefit will be paid to their designated beneficiary(ies) or estate. The beneficiary(ies) will have the option to choose between continuing to receive their share of the monthly pension payable for the remainder of the guaranteed term or receiving a one-time payment of the lump sum present value of those monthly pension payments.
The Pension Payment Dates page can now be found on Your Pension Profile, the secure online portal for JPP members.
Click the button below to log in to Your Pension Profile and view upcoming pension payment dates. You will be prompted to enter your username and password. If you have not yet created your online account, click here to learn how.
View upcoming pension payment dates
When you retire, your pension payment is made to you either by direct deposit or by mail.
If your pension payment is made by direct deposit, keep APS up to date with your banking information as well as your address. The advantages of direct deposit are that postal disruptions will not affect your payment and there is no risk of theft.
Direct deposit is only available through financial institutions in Canada. If you are not yet on direct deposit, you can sign up by completing the Direct Deposit form and submitting it via Document Centre. To access the Document Centre you need to log in to Your Pension Profile at the top right.
If you receive your pension payment by mail, make sure you keep your contact information up-to-date using Your Pension Profile or by contacting us. In the event of a postal disruption, contact the Member Services Centre to find out how payments will be made.
Taxes are deducted from your monthly pension payment, similar to those deductions made from earnings when you were working. Income tax deductions are based on the personal tax information you have reported to JPP. APS mails tax slips before the end of February each year. For more information and to access your tax slip(s), please log in.
If you need other tax information, contact your Government of Canada District Taxation Office.