1541
::' ,'J __'-.:,'::';¡__...__.:...:_ _ _ ~.....,
of the member employee, or any of them, or be repealed unless such amendment or repe~l
shall first have been approved by a two-thirds vote of all member employees; nor shaF
the said By-law be repealed þi thoutthe apprl'val of the Pepartmen t of Municipal Affair
or amended ~dj¡ f¡
the Plan as
provided
required as
therein
.
.
the
Plan
shall be
a condition of his
employment
to
join
given a
6
Every person
who becomes an
employee
of application.
e,f'terthe effective date of
copy
employee
of
this
by-law at
the
time
5.
Every
who applies for
membership in
thePl¿'n
shall be
under
the
Plan
.
ali t Y in
writing
to
deduct
frcm his salåry
or
wages
his
municip-
payments
applice,tion for membership
in
the
Plan and authorize
the
4
.
Every employee who elects
to
join
the
Plan
shall
sign a form
of
ment
or
the Insurer.
said
3.
the
Plan
in a
separate
Treasurer
I
account
and
she,ll pay
same t 0
or the Insurer
by members of
the Govern-
The Municipal
shall keep
the
the
payments
sum
in quarterly
insta,lment s to
Government
.
to time become
members of
the
Plan
;
änd annua,lly
employees
" ,
shall pay
the
the
sum
municipality under
the
l'lan f' or
annuities
those
who
from
time
annual
required
to
pay for
the
to
be purchased by
2;.
'rhe Counci 1 annuall.y
shall provide in
the current
eùtimates the
all
things necessary in connection therewith,
author:lzed ~nddirected to affi:x:Úie seal
such documents.
and the Clerk is hereby
of the rriGnicipaIi ty to
a,nd
hereby
authorized and directed
to execute
ail
documents
,
Clerk are.
and
do
all
to
f'orming part
of this
form
by-law
,
and the
in
Warden
and
the
Ânnuities
Act
(Canåda)
,
in
the
set out
the
Plan attached here-
1. The
Annui t y
Codtract
with
shall
the
Government
p ura uan t
to
the
Government
municipality
enter £rito en employe'es
Retirement
lULGIN ENACtS
AS .I!'OLLOWS:
THWHE]'ORE
theOounci1 of the Corporation of'
COUNTY
of
ing pensi ons
J -'_ ,'), '
for employees of any class
there of'.
provides
that by-Ia,ws
WHEREAS Paragraph 4la
",c, "
may be passed by all munic:ipalifies
.' "
the
]/iuriic:i pal Act
for provid-
,
of Section 404 of
lieingaJjy·",lt;\w to provide
'Òf the Municipali ty.
Pensions for Employees
, : " ' . , ~" " . " , ' '-, , ,--',
BY-LAW NO
CO\JNl''y of ELGIN
...J..~i-J..,~"...... .. . . ... . .. . . e. .. ..
GOI¡PORATIOlíf ·O.1!'
1'HE
':""- -.-':.'.......,¡ --~ .:-.. "'''::--":''-.;..-:.-''::' ...;.- --=----
of the member employee, or any of them, or be repealed unless s~ch amendment or repe~l
shall first have been approved by a two-thirds vote of all member employees; nor shal:.
the said By-law be repealedfvithoutthe apprpval of the Department of Municipal Affair:
or amended ~lfJ, fJ-'
By-law.
to enable the Clerk and
Tree,surer
to car
ry
out
their duties
under
this
ery
,
postage
,
printing,
office
and filing equipment
clerical assistance,
as may be necessary
stati on-
10
.
'l'he
municipali ty
shall provide
such
report
thereon
to
council.
the
shall
claim and
make his claim
to
the treasurer who shall
consider
his
normal
or earlier retirement
age on account
to be entitled to be retired before
of di sa.bi li t?
9.
Any member. employee
who
claims
admini strati on of
the plan.
(
e
)
Generally
to do all things
necessary in connection
with
the
(3)
The cause of retirement
time of
his
retirement
or death
member employee at the
(
2
)
The salary
or wages of
each
the last
calendar year.
from
the
service of
the
municipality or have died dUring
who have retired
i
(
1
)
ï'he names of all member employees
.B'ebruary
in each year.
the council on oroefore
'the first
i
day of
(
d
)
To report
to
to the Plan as
may be reqUired.
relative
(c)
To
keep
such
other statistical and other records
t it led to under
the
Pla.n.
each became or will ÞE¥come en-
amount
of
the annuity to
whi ch
or whose employment
has
been
terminated and
the
~mployment
(0
member
keep
employees
who
list
have
all member employees
retired or who have
t ermina t ed
and former
their
)
~ominated by him under the
his earlier retirement age
~eo
a
correct
of
his
according
Normal Retirement
to the Plan.
Plan
,
Age and
time,
the
name
,
a.ddress
age and re18,tionship
of each beneficiary
of
entered
his
service
,
the
amount
of hi s salary
of wages
from
time
to
he
the
set
service
of
name
the
municipality
,
a
cumulative
when
record
(
which
To
shall
be
list
out
the
employees
and age
of
each
under
,
the
time
a)
keep
the
a
of all
member
the
Plan
in
8.
It
shall be
duty
condi ti ons
the
of
Treasurer:
it
7.
upon
the terms and
employee who joins
contained
the Plan
in
shall be deêmed
this
By-law.
to
have
joinèd
-'"'" '.' - - '.:.i...., _.......-::....:.::.:: ~..:..;..:.- - _ __ .:;:. ..;. -0--.-
of the member employee, or any of them, or be repealed unless s~ch amendment or repe~l
shall first have been approved by a two-thirds vote of all member employees; nor shaE
the said By-law be repealed /Hi thoutthe appr\"va+ of the Department of Municipal Affair:
or amended ~"J, I'
. .
;;l..
~
. . ...
Clerk
.../
. .
.
.. .
,
.
.. . . . . . . . . . . . . . . . . . . . .
Warden
. .
.
.
.
. . ' .
H:É
.READ
a
'l'hird
time
and finally passed
this
. .2õth.
day of
.¡¡¡oOTember. . .19
.48
HEAD
a first
and Second
time
thjs
. .
25th
.
. .
day of
. .Movember....
19.48
said By-law be repealed without
Municipal Affairs.
the approval of
the
lJepartment
of
approved by à.
two-thirds
vote
of all member employees
.
,
nor
shall
the
repealed
unless such amendment
or repeal
shall first
have been
benefits or rights
of
the
member employee,
or
any
of
them,
or be
11.
:i.'his
By-law
shall not
be amended
so a.s
to
adversely effect
the
-~
I
~~ ·J,Wl.V~' J.V:.L;.J:'fi;Lj' ,~·_tl·A·J.:'l'ti:)
-
:J.'.I:JE PLAN
DEli'I.NTJ:lONS: . .
fa) Wherever use.d. herein., uEnrpJ.oyerU meansOoullty of .lHgin,
Ontario.
(b) "EMPLOYEE!' shal.l. me¡¡.nanysal.aried officer ,clerk, workman,
servant or other p.erson i.nthee¡npl.oy of a nrunicipaJ.ity or
of á 10.c1;Ü boa.rd,. and. as design¡¡>ted by the Department shall
include any peráonwhose salary .or remuneration is paid or
contributed to in whole or in part by the municipality or
local board thereof whether or not appointed by the municip-
ality or local board.
(c) .tGOVE.RNJI1ŒN:J.'" means, ilis lVfaj esty the King, represented by the
]jIinister of Labour for Canada, for and on be.half of the
Annuities Branch, Department o{La:bour, Canada.
(d) "INSURER" shal.l mean .åll insurance company licensed un.der 'the
Insurance .!tct.
(e) 'l'he ma,sculinepronoun wherever used incl.udes fema,l.e empl.oyee,
unless the context indiqated otherwise.
(f) UD}~P.AR:J.'jvŒ.N1'u means ¡'he Department of . Municipal Affairs for
Ontario.
(g) "PEillirAN:ru.N':C .IJ:MPLOYJ!:1!:"shall mean any employee who serves at
least the equivalent of 75% of a yeß,r in a ye¡¡.r.
(h) "l\I1.I!:J\iIDER.J11\1!PLOYEE" shall mean an employee registered wi th the
Government ç:>r .In.surer under the terms of the .Retirement
Annuity Cç:>ntrac.t is.sued in respect of. the Plan.
(i) "Cü1[[vŒl'!CElVŒlifT DA1~" shaJ.1 mean the date upon which a. member
commences payments under the Plan.
(j) "EJ!'1!'lLG1'.l\[¡jJ DA'I1i:" shall mean the date upon which the. Pension
Pla.n comes into force.
l. .mLIGIBILX1'Y
(a) Each present permanentcemployee and each' .permanent i male
employee and each· female employee allof..whose employment
còmmences after' the effective tiMe oftheJ'lan,.will be
eli gible.! t oJbecome a.memberiof the Plan. on; .thet \;Jffepj; iye
date if they then:
(i) as a pres,ent. permanent employee on the,effeQtiye
date of the ·Plafi have fio.t. atts.ined l~OrmÐ.ld¡¡etire-
ment Age as specified herein;
(Li) have completed at least. one'·year ofpontinuQus
employment with. the.llimployer, or whose salary or
remuneration· has beenpaido.r contribut\;Jcj. to.,d.n
wh.ole'or in ,. par·tbY the Empl.oyer for ,'8;1; least
twelve continu~ngmonths.;
(b) Each employee who is.noteligible tP:Þeco,me. ¡¡.... me~mb.er.of..
,thePlafi .ontheeff.ectivecdàt e., willþe eligible .tto þe",;
cbme a member .on the first day of the month iJJlJJ:1ediately
f allowing the date .on which the condi ti ans applicable,
as set fOI'thih paragraph (a) ar.e fulfilled.
(c.) (i) Each male p.erson who .becomesan emploYee ;after
theefi'\;Jc.tive.dat..e of the... Plan, must ,as a c.on-
dition of empl.oyment, become a member .of the Plan
.on the :i'irstday .of the firstJllonthimrlle4i.a1;ely
follo~'ling~.the date on which the cQndi.tionsa.pplic-
able as set forth in paragraph (a) are fulfilled,
provided he has reached his 21st birthday.
(ii ) Each female pers.on wh.o becomes án amployee after
the effective date of the Plan, must, as a con-
dHi on of employment , become a memÞe'r of the Plan
an the first·. .da¡rof the! first month immediately
fOllQwi.n.g .the .date onwhi.ph :éhecOIl(þtions.a.pplic-
able as set farth ·in .par.agra,ph . (a) are, fUlfilJ,\;Jd,
provided that she has. reached her 21st bir;tb,day.
,
~
'!
I'
I
!i
of
the
Plan.
determined by his
years or' past
service .up
to
the "effective date
receive from
the ".date
of actual retirement
the
amount
of annuity
retired
at
a date
t.o be determined ~ by
the Employer,
and will
specified
"herein,
at
the effect.ive date of
the
Plan
,
will be
Each
employee
who is
over
l~,ormal .Hetirem0nt Age,
as
3.
.f!;],!Œ'LOYEES. OV:U:R. .NORM1\.L
Age 55 and under
Ag'{J 60 and over
.HE1'1r{[j;]¡I1!:Nt
AGE
60th ,Birthday
70th Birthday
.Normal ri0tirement Age
t
b
J
Age
J!'emale .l!;mploy'L~:
on J3ecomin.
a Member
Age 60 and µnder
Age 60 and over
65thbìrthday
70th birthday
lj.ll.~
Age on B'{Jcomin
a,Member
.Normal
l\etirement
(
a.
)
Mal0 Em
loyees
:
Normal .Hetirem0nt
Age,
which
is
as follows:
first
day
of
the
,
month immediately folJ.owing
the attainment
of
1'11e, ,Normal.Hetirement .!Jat.e of a member will be
the
2.
ElvIPLOy.mFlS
UNDER
N ORl\'[AL
H.ill'J.'l.1:{b.a\iLŒNT AGE
Plan
be
made "bY him
or by
the .ffimployer on. his behalf
1JJlder ,this
When an. employee so
withdraws
no further
c ontrib,¡ tions
will
~
r:
r;:
['-'
;",
as
long as
he is an employee and
under rtetirement
Age
.
exc ept
with
t11e.consent
of
t11e .ffimployer
.
withdr.aw.
from
it
l'
)
requir.ed payroll
Any
empJ.oyee
who
becomes
a member of
the
Planma,ynot,
appliC"ti Qn provided,
deductions.
sign
the f.orm
of
and authorize the
------'
(e
J
1'0 become
a·, member
of
the
:Plan an eligi.bleemplo.yee must
fOllowing
completi9P-
of
the eligibili ty
condi tions
.
the
first
day of
the month
following return
to
work,
or
service,
w:i1.1 be, èligible
to , b ec ome a lnember
of
the
Plan on
service within
six months~ after his
¢!:ischarge from
military
Plan,
orpri9r
t o becoming eligible,
and
wl1or,eturns.. to
(
d)
for
Eàch
militarys.ervice prior
employee who
has
volunteered !i}!)
to
the effective date of
who has
~.
been drafted
"
i;%)8"
the
.
~~
4. GON1'RIBU1'IONS
(a) For Future Service
(i) EJiPLOYEE - Each member of the Plan will contribute 5%
of his earni,ngs, but not to exc€ied .1~300.00 per $,nnum.
.: ,
(ii) 1,MPLOYER - ]'or each raeniber of the Plan the l';mployer will
",": I,"
contribute an amouD¡t e,qual to .5% of his earnings for
service rendered after the effective date of the Plan
(hereine,fter referred to as Jj'uture Service Contributions)
but !lot toexcee~$.300. 00 per annum.
(b) JJ'or Past Service
(i) ]''MPLOYJ1JE - Each member.of the Plan will have the PF~yi:leg€i
of making contributi ons for the number qf years of , past
service during which he was not a contributor to the
Plan. The total contributions which an. employee ¡na,y make
for past service will be .determined qn the. ba,sis of 5%
of, his total remuneration received prior to becoming a.
contributor to the Plan. The payments by the employee
for' past service ·are entirely optional a.nd may be paid
at s;nytime, or from time to time, before retirement,
but .wust be paid through the Employer.
" ", ¡.:'... " ," ....- ,.' ,.'. ".
(ii) E]\ÆPLOYER - '.the Employer realizeâ that preeent older
,........,' .' ' " ,', -. ",' .' ',';' ,.-"
employeea will not have chance to build ~p a reserve to
prov~de a sufficientre,tirement income befqre res.ching
I' eti rewent age. 1'he Employer therefore will also con-
tribute such amounts as may be necessary to purchaS€i
annuities in respect to serviee prior to the Effective
~ate of the Plan, and as herein provided (hereina.fter
referred to as Past Service. Contributions).
.' ... .
(c) Xh~ contributions of. a member will be deducted from his
ea.rnings þy the Employer and remitted to the LTovernme.nt
, ' - " .' "
at the end of eachtþree month'.s.period together with
]]mploye.;r, oontr'ib.utions for. t11;e. same period. rf the contri-
buti ons made bY and on behalf of a meniber becoDly suffici ent ,
before.. his retirement date, to purchase the maximum annui ty
~
available to him from the GOvernment ($l,200.00 per year)
, '..., ,-
no further contributions will ~be ·payable to the Uovernment
by the member or by the ~Œ91oyer on his behalf.
¡;',....',;':i ',',
Cd) J:!'or ~ purposes of this Plan, the l!:mplo~erts determine,hon of
,n ,i
a member's earnings and length of service shall be con-
clusive. ïhe portion of a. member's earnings which exceed
$6,000.00 per year shall not be taken into consideration
for pUrposes of calculating contributions or benefits
",'
under the Plan.
5. .AMOUNt ÒF RE'l'I RElvJEN l' ANNUI'l'Y
,.:) ,
(a) .éu.tureService (being servi ce rendered by a member after the
effective date oft1iePi~). Each member of the Plan will
. .
, ,
receive at .Normal Retirement Date, sUbject to the terms of
this Plan, the amount of annuity purchased by the contri-
buh onsÍnade bytÎ1e meniber himself and by the .b;mployer on
h{sbeÎ1å,Ufor J:!'uture Service. (See attó,ched copy of
.Annu~:{ Pre~l¡n¡ Aàtes).
(b) Past Service (being service rendered by a member prior to
the effective date of the Plan).
(i) l!:ach eligible employee who becomes a member of the Plan
wil:J.receive, commencing at .Normal Hetirement Date,
,
subject to the terms of this Plan, a Past Service
annui ty equal to $12.00 for each e.ompleted year of
service up to the effective date of the Plan.
(ii) In calculating the number of years of Past S.ervice of
employees who have been or who are absent on military
service, and who subsequently become members of the
Plan in accordance with Paragraph 4 hereof, credit shall
,¡'
àls01:ie givé'ji fOr the period in military service up to
thee:ffecqve date of the Plan.
(iii) l;;mployees who are eligible for Past Service contributions
'. ' '.'..' " I. ~..' . ,. .-
on the effective date of the Plan and who. do not particip-
ate in the Plan within the period as specified in paragr-
aph 1 of the ltegulations under the Plan, may participate
later without payment by the employer of Past Service
Contri buti ons.
5. (c) If· at his .J)Jormal Retirement Date, the contributions at the
credit of a mEilllber,·including :!lis own and those ~d~ by the
Employer on his behalf, are not suí'ficient to purchase for
him an annuity of @10.00 Del' year, such contributions will be
. .
paid to the member in a lump sum.
(d the maximum annuity th<:¡-t may be received by a meniber under
this Plan from the Government or an Insurer is $1,200.00
per year. xhe maximlXID annuity available from the Govern-
ment on the life of a member is also $1,200.00 per year, in
which will be included the amount of annuity to which a
member may be or may become entitled under an individual
Government Annuity Gontract on his life at the time of
becoming a member of the Plan, and if he is thereby ~precluded
-: '; ~ i. .
from receiving the maximum annuity under the Plan fro111 the
Govermnen t , contributions under the Plan will be remitted
() ,
to the Government, until the maximum annui ty available to
the mffinber from the Government has been purchased, and thère-
after contributions will be remitted to such Insurance
. ,
Company, licensed to do business in Can<;¡.da, as the ,!!illlployer
¡nay designate, until the maximum annuit! undep the Plan has
been p'-lrchased, . or until the member attains Nor~l Retirement
Age, whichever occurs first.
6. PAYlV!illN1' Q}j' Rill 1'IHElIŒŒf l' ANNUITY
The Retirement Annuity will commence on the retirement
date of the member, and will be payable in monthly instalments as
long as he lives, provided that sixty monthly it1stalrnents will be
paid as an annuity in ru1Y event.
7. OPTION.AJ~ 'l'Y:I?ES OF Al.ifNUHY
In place of the Normal 'i.'ype,~ of. Annui ty, as descr.i'bed in
paragraph 21, a memb er may, at any tirne~ more than fiveY€Jars b€J-
fore his retirement at1nuit,y c0111mence:;¡, or 'I'd thin six months from
<, ' '.
his date of registration with the Government or Insurer, choose
anyone of the fOllowing types provided the cost to .illmployer is
not hereby increased:
',,,,,<,"''''_'.;'Y',~,,-!(,;;,,,;,'W,;~,'''''''''_', ~'",~~;)":~¥""'''''i!'<~
(a) JÓint and. Survi vorshipAnnuHy providing a smaller
annuity, but:¡Jayable during. the lifetime of the me¡¡¡be:r
ancÌ anôther:¡Je:rsorugeneraHy¡his Wife,ancÌ c9J;ltinµing
,. --",,- , .,..........,.. ".
until theA.eath9f, th.el3u:¡:,vivor.
(1:» Annuity payable fprJife, bµt 1:;:0 ar:lUui,1;y~j1s~i'1J.meJ:lÞs
guaranteed in any event.
(c) Annuity.' payable f9r .1.i:tìe, ,and Ceasij1g vv~ th the;J,¡¡',st
instalment due before the~date,ofdeath.
,
1__---' (Inf ormation will be supplied., onreques1; þy,tl1e GOVernment
or the Insurer, approximate amount of annuHy that would be
receivedÜ!J.der any,;one. of. thes.e ·op~i9nS)o:.,
8. 'l'ERliÆINA'rI Ol~ OF, .li.'MPJ:'OY]¡lEN'l'"
(a) If f9r any r.eason 9tl1er than his death. 9p· ear,ly ,re.t;i.rer¡Ìent
(see paragraph 10 ),a member sh@lcÌce8)Se to. beemploy.ed. by
the liimployer pri or~t 0, hi sNo:r.rnalßetirement. .l.)a.te "tl1<a',,Jotal
of thecontribut;Lons, w;h:ichl1e b,as.;¡na,de under ,the.].'lan, Will
remain at his 'credit. 1¡vith· the GOVerm.Ìlen~ 9:¡:' Ini3µre;¿,to
provide him with an Annuity commencing at Normal Retirement
Date.
(b) In additi9n, if at d<Jiteof 'termination;of l3,ervice,. the.
member has ..c9mpleted. at le.ast twentYYe<JirS of'ßeryiQs' l1e
will receive atl~orm¡¡;l ~J:(etirement.l)¡¡;te·the amoµntpf annuity
pUI'chasèdby jj;utur~e i5er;vice c.ontri butions. made by .the
.ltmployer on his ,behalf.
9. RE-EIvIPLOYI!D£NT
Any member w)J.9se employmentþ.as been terminated and who
is subsequently re-empl.oyed by .the '!!;mployer, will, for purpQses
of this Plan be considered", new.emp:Loyee.
10. EARLY RETIREJVŒl'IT.
.A.'memÞermayþe. .permitt e4 .to. .retireon~t)J.e .first day of
,.... ',." ,... '....
any month ·f'or reas onsof si ckneE!s.ór..disabil,:i. tY<;3;s deterr¡Ùneqby
the ßm.ployer.. 'Ihe amount.,of anJ;luity thereupon p¡¡,ya.ble to the
Member will be on a reduced scale.
j
J
~
11. DEA1'.1i BE1'fE./!'1'J.:S
(a) Bef erti~Ji rernent
(i) It: ~. member dies befer'e the. f'ir~t~n,stalm§ntef
,his Retir.ement AnJ¡1u:ity is dUe" w;b.§therer,;notþe
is in the empley .of the EmplQyer at the date .of.
death, an ameunt eqµa.lto the cQntributier¡s he has
made und,er the Pl¡¡.n.,~ill. b,e p¡¡,idtQ his . designated
" d...·.··.
Benefi ciary in ¡¡,lUlilp sura, tegether wi th interest
" '. ,-
. ~
.----- thereon up to the date .of death, at 3% per annum
cempeunded yearly.
,
(ii) IJ¡1addiU.on"if¡¡.t da~eefdeatl')., therr¡e¡nÞe:r;>i,has.
net termina.t.ed hi e empley¡ner¡t,·· but llasJe ss'.than'.
20;¡rears ,and has mere than 5 years .of such emplQY-
ment, theamour¡t eqµal tQ t!16 .ii'utu:r;>e Seuioe Cen~ri-
buti.ons paid .on. hie behalf by. the .llimpleyer,together
, . - ,..,:.' ',' ", - " ,... ". '.
wi~h intèreet thereen ae deecribed in paragraph 11
,(a) (i), will be paid tQ hisdeeignated.Benef{c:i,ary
in a lurap ,sum.
(H i) Or, in add.i tion. if at date .of death, the member
has terminated his emplQyment after the cQmpletien
.of at. least 20 years .of empleyment, an ameunt equal
te the Jj'uture Service, Cqntribut:i,ens made by the
J.J;mpleyerenhis ~behalf,tegether with interest
there en as. described in paragraph 11 (a) (i). will
be,paid te his designated Beneficiary in a lump sum.
(i v) Or, in¡¡,dditien. if .at the date .of death the member
h8,S net terminated his empleyment ¡¡,nd h¡¡,s cempleted
at least 5 years .of such empleyment, .an amountequàl.
te ,the Past Serviceand.I!'utµreService. Pent:r;>:i,buti Qns
made by the J:!;mployer en his behalf ,.teg§ther <with
inter.est, thereen as describe,d in, paragrap;hl.1 (a) (:i,) .
w:ill be pa:id tQ his des:i,gnated Beneficiary.
·'.
)
11.. (b) Afte:r;..Ji.etirement
¡f'ame.mberq.ies aft.erthe. first instalment of hi s
i'· .. ,....'
Betiremen.t .AnmÜtyhas become d"e, and before sixty monthly
.: . .- ":, .- .:. ..-. '.""'_'. '.', :<'.'-' .' ..,-, ' '. ~ ;, " i'-'- ,''', .- ,,', .- ..... ",., ,.';" ·C·.-."< ·..·i "'. ','" '. .: , . ,
annui.ty P;¡¡'YJrlen tshavel:¡e etl ,.recei ve,q., th.e annu~ty paymEu:lt s
, ".... 'J"" .,....;...,...,,' '..'._" "_";.,,'.',> '.:;.:"::'.:',, ,.','.:'.'_." '.' ........ "'i;'·,,"';·' ," (
will be continued t9 .his q.esigtlai;eli .ßeJ:leficié]-r;y as, i;1:J,ey
. ¡, ,- ... , ";' .
become due, until siJ¡:t;ymonthly p~;yments, in all have been
ma.de.. ffOYleVer, if a metllber has elected an opti onal t:ype
'.' ....:. 'j..' --.' ". ,- , . ". .,--,
I of annuity, the death ~benefi t s, if any, wi 11 be determined
'," - ¡, c'.'·,',' ,,' '.,,- ..' ,
----
accordinglY.
\ ....'. .' ,..:.... .;
12.. ABSENCES Jj'R01ì1. WORE:
Author~zed a.bfjençes from1f{()r:tc shall not consti t"te
.."'.'," - ~.- '. ,;.;
ternlÍnation of. employment for p¥rposes of this Plan,bt~t will be
gOVerneq. afj fOllows;
(a) If the member receives pay, contrib,¡¡ti0J:ls will continue. af,ld
he will be enÜtled to an benepts ~s th0l.lgh he were
actually I3.t W9rk.
(b) If the member does not receive pay, contributions will
cease but any benefits previously purchased will not be
affected. Upon return to active service, contributions
will be resumed.
13. LIlVIITATION 0.iJ' ASSIGNlvillN1'
(a) The Retirement Annuity and other benefits under the Plan
are not assignable, whether by voluntary action or by
operation of law.
(b) A menibèr may not borrow against his contributions nor
withdraw them at any time.
14. J:tI GHT TO EMPLOYMENT º..l'- BENE.iJ'l'l'S
,Participation in. this Plan will not give any member the
right to be retained in the service of the Employer, or any
right ø~ claim to benefits, unless the right to such benefits
has specifically accr¡¡ed under the terms of this Plan.
15. ADMI I~I.STliAtlQJ'L0.!!' ",)'I:IE,)?LAN
The Employer reserves the right to decide all matters
arising in the adÍllini st:rationa.ndinterþretati ondf the Plan.
It·· wil1 be· the obligati'on of the J¡¡mployer'to þayoverto' the'
Governmeht ,or the Insurer, the contributiohScollectedfro!Ìl the
members, together. wHh 'the contriÌJutidhsrequired,to be made by
the .t!ìmployer llnderthe :PlaÎl, and it will be the bbligationof'
the Governnlent, or the Insurer,t ()pay benefit s in a.cc ordance
withcontriblltions received.
16. CHAJ:WE OR 'MODH'ICATION
---.,.
:J.'he Jtïríþld;yer hopeB'a:nd 'eXpect s to cont:i:nue the Plan
indefini t ely, but reserves the right to êhange or modify it'at"
any time, subject fothe .approva.l of the'Departraentof Municipal
Affairs, :J.'or'c:mto. Any cha.nge or mÓdifica.tiÒrC in the Plá.il shall
not affect thetei'ras of payment of, or the âradllh.tof, Üetirernent
Annuity purchased pri.or ,t 0 the date öf'such cha.ri'geor modifi ca t i on.
REG~lqS UNDER ï;liE :PU..N
1. PRESElJ.:t. ;H;l\fPLOYEES'·OPl'ION 0]' BECOMING lVJE!iIBEHS 0]'· 'l'I-Œ.:PLAN
(Ii) A:Ll,employees on the Effective Date of the Plan, who are
or whÖwill be èligibleto'becomernembers of'the:Plan, will
be 'required, if males , t b decide within9Ôdåys" and if
females, to decide vdthiri 90 days of the date they become
eligible, whether 'or not they deSire tobeconieråeínbers of
thè Plan.
"'. l'hedecisi'orJ. in ê81cb.caseshall be final aridbinding,and.'
thoseeinployeeswhd'elect ndt tÓb'edornemeinbers;sha.ll
¡sign a wai vel' and shalF 'not oePer.rni ttêd't Ô become members,
·frmales, after a period of 90 days has elapsed, or if
femaleS,a.fter ai'pèriod-of 90 days'b.a.'s'elapsed, 'exdeþt
as provTded:by clau.se( b} of tb.is'Ì'è'gulation.'
(0) Ahyernþloyee who has signed a waiver as provided for in
Clause (a) of this regulation, and does not become a
member within 90 days wi'llforfeit· ånyri'ght t'01'äst'
Servide Benefits.
2. J:1'i9°Jj.:....QJL~
(a) At the time of joining the Plan, or as soon thereafter as
possible, a'member will send to the Government, or
insurer, a'birth or baptismal certifica.te, as proof of
.
his date of birth. l'he birth or. baptismal certificate
will be returned to the mel1íber.
(b) If a birth or baptismal certificate cannot be obtained the
member will submit astatuto:£y-Declaratioh' as to the date
of bi'rth by parent ,bra copy of ., the entry of his· date' df
blÌ'th iÙthè Jj'áiaÚy Bible ,êEÙ'tif'ied to be a.truè 'copy by
a Lawyer, J~ustice of the :Peace, Notary Public or
üOÍ!li1lÎssi oller 'f'or. taking Oaths.
c} If suchcarlnÒt be bbta:i.riedj the merabèr will submit a
I;Jtat utþry'.Qe_ç:ßrati onbYàresp ol1sible pèr s on having càuse
to know of his date of birth, stating that no other docu-
mentary proof of age can be obtained.
i~
f(
'I
i!
(d) If such cannot be obtained, the member will himself submit
a Stat1l.tQ£X J;ecl~:ration as to. his date of birtl¡., stating
that nO other proof of age can be obtained.
5. Bßl'f.ill)j'LGIARY
Each .Jj;nll:J;Loyee, On beqoming, a raember.of,.thePla,n I. may
designate .a,ny person as his .Bene:J;'iciary to receive such SU!JlS as
may be payaþleon or ai'ter. his death; :reserving the. ri,ght to
change the. Beneficiary .fromtim(3 .to tim.e with the. assent of the
Governmen t. ,If, on the,dea,th of the member, there should ~be no
liyii1g,designated Beneficiary wi th respect to himself, such sums
as would otherwisE)) 'be p",yable to his dE)signated.!3eneficiary, will
,b.epa,yablet 0 the I ega;L represen tativ(3fjQ;ftJ;J.emenibe:r.
4. J.!JVIDJi:1icji: 0]' :tiŒIVD3.um.SHIP
J.!Ja.ch member of the Plan will receive from the Govern-
ment, or Insurer, evidence that he has been included as a Member
. of the Plan.
J$. 'l'J~miiINATlON O)j' ..ßEHVIGE
A member shall be. de~emed to have finally terminated his
service when, ·in the opinion of the J.!Jmployer, he has terminated
his employment without reason t.o believe that he will be further
empl.oy·ed.
6. StfSPRNSlON Qjj' SERVIC':'1il
A member shall be deemed to have suspended his servioe
when he is temporarily off duty without pay for any reason other
than on account of illness or accident, except as otherwise pro-
vided herein 01,' in the Plan.
7. SßRVI_9Ji: TO COUNT :l'OWARDS EJvfPLOY.G:R' S SlicUm 0]' Wfl'IHBJyfPHT .'\J,'!l'WI'I'Y
In computing a member's period of service towards the
.u;mployer's,share of Betirement Annuity, the following regulations
shall prevail':,
Serv:h£.Lt9 b'L,.included
(a) All time worked wi th any or all Depari;ments of the Ji;mployer
or all time worked and paid or c.ontributed to in whole or
in part bY the Employer.
.)-
.~, :i ..
b') AHtitàe:tost on aC:co1.Mt ofå.bssnce for:r.ea:~'¿riâ(:'6:tiiin.èß~
", '::,¡),;,'.-".-'-,,; >-,¡.",,' ,
where a member is paid for such absences.
('6'; <'Al,].,' t im'è 'ros1; (hi abH6hHt' of' a.b ~n!è6i f(br'iréas6h~! 'of"i ih{é~ å ,
, :', ," ',' ", (" "',".' ....,.J '.:' :':;', "; >, " '.',-.., .' "':. ,,'::(,: '.': '.' '.'_ ;," _.'" '_'. '~.' .
·wllEire\3.meiab'er:ì.å''''nÔt .lja~d! fo:¡:~ubh ab's:e,né~:\Qùt ',:1.s ~ C:oÍ1-
Side;red a.s' being on sick 1eav:e;
(d) All time lost oÍ1 account of seas onal la,y'''offs where a.
member is not paid for such absences, but who qualifies
as a per!!k'1.nent employee..
8. m SABII,Pl'Y
"Disability" as set out in the Plan shall be inter-
preted to mean that a member has furnished medical testimony
satisfactory to the mmployer, that he is unable to continue
further at his employment.
,-----....... --....-.
~""_~.__~ ___.___ _" ·"··C_"'·'_
----
11. This By-law shall not be amended so as to adversely effect the benefits or rights
of the member employee, or any of them, or be repealed unless s~ch amendment or repeal
shall first have been approved by a two-thirds vote of all member employees; nor shaE
the said By-law be repealed ¡Wi thoutthe apprg.val of the Department of Municipal Affair:'
or amended ~,JJ, Ij,
10. The municipality shall provide such
printing, office and filing equipment as
urer to carry out their duties under this
clerical assistance,
may be necessary to
By-Law.
stationery, postag~,
enable the Clerk and
Trea~-
9. Any member employee who claims to be entitled to be retired before his normal or
earlier retirement age on acwunt of disability shall make his claim to the treasurer
who shall consider the claim and report thereon to council.
Generally to do all things necessary
Plan.
in connection with the administration of thù
e
3
The names of all member employees who have retired from
municipali ty or have died during the last calendar year.
The salary or wages of each member employee at the time of his
death.
The cause
of retirement
2)
retirement.or
1
the
service of
the
d
To report to the council on or before the first day of February
To keep
required
in each year.
such other statistical and other records relative to the Plan as may be
c
b) To keep a co·rrect list of all member employees and former member employees who
have retired or who have terminated their employment or whose employment has been
terminated and the amount of the annuity to which each became or will become en-
titled to under the Plan
To keep a li$t of all member employees under the Plan in which shall be set out
the name and age of each, ·the time when he entered the service of the municipality
a cumulative record of his service, the amount of his salary or wages from time
to time, the name, address, age and relationship of eacll beneficiary nominated by
him under the Plan, his Normal Retirement Age and his earlier retirement age ac-
cording to the Plan.
a
8
7. Every employee who joins the Plan shall be deemed to
and conditions contained in this By-law
It shall be the duty
of the Treasurer
have
6. Every person who becorres an employee after the effective date
required as a condition of his employment to join the Plan as
joined
of the Plan shall be
provided therein
it upon the terms
5.
this
Every employee
by-law at the
who applies for membership
time of application.
in the Plan shall be given a
4. Every employee who elects to join the Plan shall sign a form of application for
membership in the Plan and authorize the municipality in writing to deduct from his
salary or wag es his payments under the Plan.
copÿ of
3. The Municipal Treasurer shall keep the payments by members
ate account and shall pay same to the Government or the Insurer
of the Plan
2. The Council annually shall provide in the current estimates the annual sum re-
quired to pay for the annuities to be purchased by the municipality under the Plan for
those employees who from time to time become members of the Plan; and annually shall
pay the said sum in quarterly instalments to the Government or the Insurer.
in a separ-
1. The municipality shall enter into an employees' Retirement Annuity Contract with
the Government pursuant to the Government Annuities Act (Canada) in the form set out
in the Plan attached hereto and forming part of this by-law, and the Warden and the
Clerk are hereby authorized and directed to execute all documents, and do all things
necessary in cónnection therewith, and the Clerk is hereby authorized and directed to
affix the seal of the municipality to all such documents.
THEREFORE the Council of the Corporation of COUNTY OF ELGIN ENACTS
WHEREAS Faragraph 41a of Section 404 or 5h3 Municipal Act, provides that .by-laws
may be passed by all municipalities for providing pensions for employees of any class
thereof.
AS
FOLLOWS
Being a By-Law
OF'I'HE
BY-LAW No.1541
to provide Pensions for
CCBHJRATION
Employees of the
COTmTY
01"
¡,;LGIN
1\unicipali ty.
I
"
~
,
Il
~
READ a ~irst and second time this 25th day o~ November, 1948
READ a Third time and finally passed this 25th day of November 1948.
( signed) J. C. Jenkins,
Warden.
A r:""'~i""""'1I'"
-'1..r:.."'''''>',\'''''']·I'--~O'''_ ;,':'::1;-',";";"1
, <1. IÍ""~.. ,.¿\'~\J;" ;:,:,'~ P""~ ( signed) J. D. Thomson,
)T ,. . 'C"C,.._,
. . f¡!Jur o",,~!\
1. >Jj';Jif- "L AFFAlnS Clerk.
---------
---_RW_______~___.._, DEPARTMENT OF MUNICIPAL AFFAIRS
~~/-4t.tJ~ MINJSTER
THE PLAN
DEFINITIONS:
(a) Wherever used herein, "Employer" means County of Elgin, Ontario.
( b) "EMPLOYE]:" shall mean any salaried officer, clerk, wo rkman, servant or o-
ther person in the employ of a municipality or of a local board, and as des-
ignated by the Department shall include any person whose salary or remunera-
tion is paid or contributed to in whole or in part by the municipality or
local board thereof whether or not appoihted by the municipality or local
board.
( c) "GúVERNMENT" means, His Majesty the King, represented by the Minister of La-
bour for Canada, for and on behalf of the Annuities Branch, Department of
Labour, Canada.
(d) "INSURER" shall mean an insurance company licensed under The Insurance Act.
(e) The masculine pronoun wherever used includes female employee, unless the
context indicated otherwise.
(f) "DEPARTMENT" means The Department of Municipal Affairs for Ontario.
(g) "PERMANENT EMPLOYEE" shall mean any employee who serves at least the e«uiva-
lent of 75% of a year in a year.
(h) "MEMBJ!R :EMPLOYEE" shall mean an employee registersd with the Government or
Insurer under the terms of the Retirement Annuity Contract issued in resps ct
of the Plan.
( i) "CaVIMENCEMENT DATE" shall mean the date upon which a member commences pay-
ments under the Plan.
( j) "EFFECTIVE DATE" shall mean the date upon which the Pension Plan comes into
force.
1. ELIGIBILITY
(a) Each present permanent employee, and each permanent male e~mployee and each fem-
als employee all of whose employment commences after the effective date of the
Plan, will be eligible to become a member of the Plan on the effective date if
they then:
(1) as a present permanent employee on the effective date of the Plan have not
attained Normal Rstirement Age as specified herein¡
(2) Have completed at least one year of continuous employment with the Employer,
or whose salary or remuneration has been paid or contributed to in whole or
in part by ths Employer for at least twelve continuing months;
(b Each employee who is not eligible to become a member of the Plan on the effect-
ive date, will be eligible to become a member on the first day of the month im-
mediately following the date on which the conditions applicable, as set forth
in paragraph (a) are fulfilled.
c 1 Each mals ¡;e rson who becomes an employee after the effective date of the
Plan, must, as a condition of employmsnt, become a member of the Plan on
the first day of the first month immediately following the date on which
the conditions applicable as set forth in paragraph (a) are fulfilled, pro-
vided he has reached his 21st birthday,
2 Each female psrson who becomes an employee after the effective date of ~~he
Plan, must, as a condi tion of employment, become a member of the Plan on
ths first day of the first month immediately following the date on which
II
I:
I
Ii
Ii
For purposes of this Plan, the Employer's
and length of service shall be conclusive
which exceed $6,000.00 per year shall not
.
detennination of a member's earnings
The portion of a member's earnings
be taken into consideration for pur-
d
The contributions of a member will be deducted from his earnings by the Employel
and remitted to the Government at the end of each three months' period toge·the:'
with' Employer contributions for the same period. If the contributions made by
and on behalf of a member become sufficient, before his retirement date, to pur-
ohase the maximum annuity available to him from the Government ($1,200.00 per
year) no further oontributions will be payable to the Government by the member
or by the Employer on his behalf.
c
EMPLOYER - The Employer realizes that present older employees will not have a
ohanoe to build up a reserve to provide a suffioient retirement income before
reaching retirement age. The Employer therefore will also oontribute suoh a-
mounts as may be neoessary to purchase annuities in respect to service prior
the Effective Date of the Plan. and as herein provided (hereinafter referred
as Past Service Contributions).
to
to
2
b} For Past Service
(1) EMPLOYEE - Each member of the Plan will have the privilege of making contribu-
tions for the number of years of past servioe during which he was not a ",.
contributor to the Plan. The total contributions whioh an employee ITillY make
far past service will be determined on the basis of 5% of his total rffinunera-
tion reoeived ~ior to becoming a contributor to the Plan. The payments by
the employee for past servioe are entirely optional and may be paid at any time
or fram time to time before retirement, but must be paid through the Employer
EMPLOYER - For eaCh member of the Plan the Employer will oontribute an maount
~ual to 5% of his earnings for servioe rendered after the effective date of
the Plan (hereinafter referred to as Future Servioe Contributions) but not to
exoeed $300.00 per annum.
2
CONTRIBUTIONS
a) For Future Service
(1) EMPLOYEE - Eaoh·member of the Plan will oontribute 5%
ñDt to exceed $300.00 per annum.
of· his earnings
but
4
Each employee who is over Normal Retirement Age, as specified herein, at the ef-
feotive date of the Plan, will be retired at a date to be determined by the Employer
and will receive from the date of actual retirement the amount of annuity determined
by his years of past servioe up to the effective date of the Plan.
3
EMPLOYEES OVER NORMAL RETIREMENT AGE
. on Beoomin
Age 55 and
Age 60 and over
!!..Member
under
Normal Retirement.Age,
60th Birthday
70th Birthday
A
e
b
Female
Em
loyees
Normal Retirement A
65th birthday
70th birthday
~e on Becomin a Member
Age 60 and under
Age 60 and over
e
a
Male
Em
loyees
The Normal Retirement Date of a member will be the
iately fOllowing the attainment of Normal Retirement Age
first day of the month
which is as follows
immed-
2
EMPLOYEES
Any employee who becomes a member of the Plan may not, except with the consent
of the Employer, withdraw from it as long as he is an employee and under Re-
tirement Age. When an employee so withdraws no further contributions will be
made by him or by the Employer on his behalf under this Plan.
UNDER
NORMAL RETIREMENT AGE
f
To become a member of the Plan an eligible employee must sign the
lication provided and authorize the reQuired payroll deductions.
applicable as set ~orth in paragraph
has reached her 30th birthday,
~. . .,(J ..,J..
Each employee who has volunteered or ho has been drafted for mili tary service
prior to the effective date or the P an, or prior to beooming eligible,and who
returns to service within six months after his discharge from military service,
will be eligible to become a member of the Plan on the first day of the month
following return to work, or following completion of the eligibility conditions.
e
form
of app-
~¡~~"9,~,"g;1"<'Yj'
. ..,-
d
N';~
,
the conditions
vided tha t she
>'i~
"r<'
a
are
fulfilled
pro-
,
a
If for any reason other
than his death or early retirement
see paragraph 10
.
a
8.
TERMINA TION OF"
(Information will be supplied on re~uest by the Government or the Insurer, app-
roximate amount of annuity that would be received under anyone of these options
EMPLOYMENT
.
Annuity payable for life
date of death
c
and
ceasing with the last
Annuity
instalments guaranteed in any event.
instalment due before
the
b
Annuity payable for life
Joint and Survivorship Annuity _ providing a
ing the lifetime of the member and another person
tinuing until the death of the survivor
but
120
smaller annuity, but payable dur-
generally his wife and con-
a
In place of the
may, at any time more
in six months from his
one of the following types
Norn~l Type of Annuity, as described in paragraph 21, a member
than five years before his retirement annuity commences, or with-
date of registration with the Government or Insurer, choose any
provided the cost to Employer is not hereby increased
7
The Retirement Annuity will commence on the retirement date of the member,
will be payable in monthly instalments as long as he lives provided that sixty
ly instalments will be paid as an annuity in any event
9PTIONAL TYPES OF
ANNUITY
anð.
month-·
ô
l' AYMENT
The maximum annuity that may be received by a member under this Plan from the
Government or an Insurer is $1,200.00 per year. The maximum amluity available
from the Government on the life of a member is also $1,200.00 per year, in
which will be included the amount of annuity to which a member may be or may be-
come entitled under an individual Government Annuity Contract on his life at the
time of becoming a member of the Plan, and if·he is thereby precluded from re-
ceiving the maximum annuity under the Plan from the Government, contributions
under the Plan will be remitted to the Government, until the maximum annuity a-
vailable to the member from the Government has been purchased, and thereafter
contributions will be remitted to such insurance Company, licensed to do busi-
ness in Canada, as the Employer may designate, until the maximum annuity under
the Plan has been purchased, or until the member attains Normal Retirement Ag3
whièhever occurs first
OF RETIREMENT ANNUITY
d
c
If at his Normal Retirement the contributions at the credit of a member,
including his own and those by the Employer on his behalf, are not suffic-
ient to purchase for him an annuity of $10.00 per year such contributions will
be paid to the member in a lump sum.
Date,
made
Employees who are eligible for Past Service contributions on the effective
date of the Plan and who do not participate in the Plan within the period as
specified in paragraph 1 of the Regulations under the Plan, may participate
later without payment by the employer of Past Service Contributions.
3
In calculating the number of years of Past Service of employees who have been
or who have been or who are absent on military service, and who subse~uently
become members of the Plan in accordance with Paragraph 4 hereof, credit shall
also be given for the period in military service up to the effective date of
the Plan
2
Each eligible employee who becomes a member of the Plan will receive, COTIrrGenc-
ing at Normal Retirement Date, subject to the terms of this Plan, a Past Ser-
vice annuity e~ual to $12.00 for each completed year of service up to the ef-
fecti ve date of the Plan
1
Past Service
the Plan). "
b
being service rendered by a member prior to the effective date of
Future Service (being service rendered by a mænber after the effective date of
t1Ê!P~~n). Each member of the Plan will receive at Normal Retirement Date, sub-
ject to the terms of this Plan, the amount of annuity purchased by the aontribu~
tions made by the member himself and by the Employer on his behalf for FutUre
Service. (See attached copy of Annual Premium Rates
a
r!"!'li\",~·*,¡¡¡""··"y,, /."" ..
, ~ ø ;,1
~ ~ > . ,
" poses
I
I 5. ANIOUNT 01'
RETIREMENf AI~
of'
cálcuJ.ating contributions, or bene:fi ts
under
the Plan
-'-"'-'-"7·'
b
A member may not borrow against his
The Retirement Annuity and other benefits under the
whether by voluntary action or by operation of law.
contributions nor withdraw
them at any
time
a
Plan are not assignable
13.
LllVlITATION OF ASSIGNMENT
If the member does not receive pay, contributions will
previously purchased will not be affected. Upon return
tributions will ·be resumed.
cease but any benefits
to active service con-
b
If the member receives pay, contributions will continue and he
to all benefits as though he were actually at work.
a
Authorized absences fram work
purposes of this Plan but will be
will be entitled
shall not constitute termination of employment
governed as follows
tor
12
ABSENCESFROM
If a member dies after the first instalment of his Retirement Annuity has become
due, and before sixty monthly annuity payments have been received, the annuity
payments will be continued to his designated Beneficiary as they become due, un-
til sixty monthly payments in all have been made. However, if a member has elec-
ted an optional type of annuity the death benefits if any will be determined
accordingly.
WORK
b
After Re~!.'1lli
4
Or, in addition, if at date of death, the member has terminated his employment
after the canpletion of at least 20 years of employment, an amount e~ual to the
Future Service Contributions made by the Employer on his behalf, together with
interest thereon as described in paragraph 11 (a) (1), will be paid to his de-
signated Beneficiary in a lump sum. fJj.
Or, in addition, if at the date of de~he member has not terminated his em-
ployment and has completed at least 20years of such employment, an amount e-
~ual to the Past Service and Future Service Contributions made by the Employer
on his behalf, together with interest thereon as described in paragraph 11 (a)
(1), will be paid to his designated Beneficiary
3)
amount
ployer,
will be
In addition, if at date of death, the member has not his employment,
but has less than 20 years and has more than 5 years employment, the
equal to the Future Service Contributions paid beµalf by the Em-
together with interest thereon as described in paragraph 11 (a) (1)
paid to his designated Beneficiary in a lump sum.
terminated
of such
on his
.
(
2
DEATH BENEFITS
a) Before Retirement
(1) If à member dies before the first instalment of his Retirement Annuity is due
whether or not he is in the employ of the Employer at the date of death, an
amount e~ual to the contributions he has made under the Plan will be paid to
his designated Beneficiary in a lump sum, together with interest thereon up
to the date of death at 3% per annum compounded yearly.
11
A member may be permitted to retire on the first
sickness or disability as determined by the Employer,
payable to the Member will be on a reduced scale
day of any month for reasons of
The amount of annuity thereupon
10
Any member whose
ed by the Employer
EARLY RETIREM!J~NT
employment
will, for
has been
purposes of
terminated and who is subse~uently re-employ_
this Plan be considered a new employee
9
RE-EMPLOYMENT
In addition, if at date of terrr,ination of service, the member has completed at
least twenty years of service, he will receive at Normal Retirement Date the a-
mount of annuity purchased by Future Service contributions made by the Employer
on his behalf.
b
.
member should cease to be employed by the Employer
ment Date, the total of t~he Contribut'ions which he
remain at his credit with the Government or Insurer
uity cœnmencing at Normal Retirement Date.
prior to his Normal Retire-
has made under the Plan will
to pròvide him with an An~_
Each member of the P+an will receive fram the
that he has been included as a Member of the Plan
.~.._--..
-~.",---~_._.,,--~-.-------~-~.
.--.-- ......-." .. . ",
Government
or Ins urer
evidence
4.
Each Employee, on becoming a member of the Plan, may designate any person as hib
Beneficiary to receive such sums as may be payable on or after his death, reserving
the right to change the Beneficiary fram time to time with the assent of the Govern-
ment. If, on the death of the member, there should be no living designated Benefic-
iary with respect to himself, such suns as would otherwise be payable to his designa,~·
ted Beneficiary, will be payable to the legal representatives of the member.
EVIDENCE OF
.ŒMBERSHIP
3.
BENEFICIARY
If SUch
.££.IL as
tained.
cannot be obtained, the member will himself sub1µi t a Statutor Decla~-..
to his date of birth, stating that no other proof of age can be ob~
d
If such cannot be obtained, the member will submit a Statutor
responsible person having cause to know of his date of birth,
other documentary proof of age can be obtained.
Declaration by e
stating that no
c)
If a birth or baptismal certificate cannot be obtained the member will submit a
Statutory Declaration as to the date of birth by parent, or a copy of the entry
of his date of birth in the Family Bible, certified to be a true copy by a Law-
yer Justice of the Peace Notary Public or Commissioner for taking Oaths
b
At the time of joining the Plan, or as soon thereafter as possible, a member will
send to the Government, or Insurer, a birth or baptismal certificate, as proof of
his date of birth. The birth or baptismal c~rtificate will be returned to the
member.
a
2
PROOF OF AGE
Any employee who has signed a
lation, and does not become a
Past Service Benefits.
waiver as provided for
member within 90 days
in Clause (a)
will forfeit
of this regu-
any right to
b
The decision in each case shall be final and binding, and those employees who
elect not to became members, shall sign a waiver and shall not be permitted to
become members, if males, after a period of 90 days has elapsed, or if females,
after a period of 90 days has elapsed except as provided by clause (b) of this
regulation
All employees on the Effective Date of the Plan, who are or who will be eligible
to become members of the Plan, will be required, if males, to decide within 90
days, and if fe~ßles, to decide within 90 days of the date they become eligible
whether or not they desire to become members of the Plan.
a
1
PRESENT EMPLOYE:¡;;.§.:._OP~IO!LOF BIf.COMING MEMBERS
OF THE PLAN
,_ø_'.. ._
REGULATIONS
The Employer hopes and expects to continue the Plan indefinitely, but reserves the
right to change or modify it at any time, subject to the approval of the Department of
Municipal Affairs, Toronto. Any change or modification in the Plan shall not affect
the terms of payment of, or the amount of, Retirement Annuity purchased prior to the
date of such change or modification
-----~-~
UNDER THE -"'LAN
16.
The Employer reserves the right to decide all matters arising in the administra-
tion and interpretl~on of the Plan. It will be the obligation of the Employer to pay
over to the Government, or the Insurer, the contributions collected from the Dlembers,
together with the contributions required to be made by the Employer under the Plan,and
it will be the obligation of the Government or the Insurer to pay benefits in ac-
cordance with contributions received
CHANGE OR MODIFICATION
15
Participation in this Plan will not give any member .the right to be retained in
the service of the Employer, or any right or claim to benefits, unless the right to
such benefits has specifically accrued under the terms of this Plan.
AIMINISTRATION OF
THE PJ..!N
RIGHT TO
1!MPLOYMEI,T
O_R BENEFITS
5. TERMINATION OF SFJ<VlCE
A member shall be deemed to have rinally terminated his service when, in the op-
inion of the Employer, he has terminated his employment without reason to believe that
he will be further employed.
6. SUSPENSION OF SERVICE
A member shall be deemed to have &uðpended his service when he is temporarily off
duty without pay for any reason other than on account of illness or accident, except as
otherwise provided herein or in the Plan.
7. SERVICE TO COUNT TOWARDS EMPLOYER'S SHARE OF RETIREMENT ANNU:1TY
In computing a member's period of service towards the Employer's share ot Retire-
ment Annuity, the following regulations shall prevail:
Service to 'be Included
(a) All time worked with any or all Departments of the Employer or all time worked
and paid or contributed to in whole or in part by the Employer.
(b) All time lost on account of absence for reasons of illness where a member is
paid for such absences.
( c) All time lost on account of absence for reasons of illness, where a member is
not paid for such absence but is considered as being on sick leave.
(d) All time lost on account of seasonal lay-offs where a member is not paid for
such absences, but who ~ualifies as a permanent employee.
.
8. J2lê.!!3ILITY
"Disabili ty" as set out in the Plah shall be interpreted to mean that a member
has furnished medical testimony satisfactory to the Employer that he is unable to
continue further at his employment