What’s Going On 62 - Sunday, November 9, 1986 - North Shore News From page 61 CPR uaining. West Van YMCA, 1735 0 Christmas and afl occasion cards, — ter. Magnussen Arena, 3:45-4:45 p.m. ‘Inglewood, 6-10 p.m. Pre-registration 4 notes, calendars, and appointment Children build wooden toys. “ef $15. Thursday, November 13--Am ! Getting “ee All My Benefits? Free legal lecture for seniors at North Shore Neighbourhood House, 225 East 2nd St., North Van. 1:30 p.m. Ralph McAmmond of Speaker: Perey Tucker. Health & Welfare Canada will speak on wee federal government pensions. Joyce Thursday, Nevember 13--MOAA © seniors at West Van Senior Centre, 695 — discussion meeting, 8 p.m. Topic: The Schmalz, senior volunteer counsellor, will discuss provincial benefits. Call Lions Gate Hospital, 987-8138 to register. see microbiology at GH. Thursday, November 13--CPR - Basic I wre Recertification. For those with previous is ch 7:30) p.m. Speaker: Dr. Jacques, talk and tour of © Canada will speak on federal gov- educational film tor parents. St. Agnes “es Anglican Crarch, $30 E. 12th St, 7:30 days prior to course. 926-5841. Fee: books available at North Shore Infor. Friday, November 14--Free workshop p.m. mation and Volunteer Centre, 1060 on low back pain, Silver Harbour Cen- “ee Roosevelt Cres... Nonh Van (iwo tre, 144 FE. 22nd St, NV, by Dr. Frank Thursday, November 13--Full Gospel blocks behind the Avalon Hotel) Info: Martin, chiropractor, 1:30 p.m. Lec. Author: Sarah Ellis. Lynn Valley Businessmen’s Fellowship, Pantry Res- 985-7138. taurant, North Van, noon, cosi $5. ase Friday, November 13--Am 1 Getting All My Benefits? Free legal lecture for Friday. mecting and cake walk, auditorium, 21st St., West Van, 1:30 p.m. Ralph = Family: Foundation For Warld Unity. McAmmond of Health & Welfare Info: Sandra 980-7898, . “ee Saturday, November 15-- Ballroom Dance—Come Dancing at Mickey erament pensions. Grace Schell, senior Friday, 9S0-2474 to segister, ¢ Sch November 14--Turn Your volunteer counsellor, will discuss pro- Heart Toward Home Film Series. Friday, November 14--Unicef — vincial benefits, Call 926-4375 to regis- Overcoming a Painful Childhood - anging for the better Saturday, November 15--Meet ture & exercises specifically for seniors, Library, 1 p.m. Popular former children’s brarian at North Vancouver . District Library wilh meet with adults November 14--Baha'i open and children fo read from autograph her recently-published book for children The Baby Project. More WGO Page 63 Cn January 1, 1987, your Canada Pension Plan will change. because your Plan provides you and/or your family with a These changes put your Plan ona solid, long-term - financial foundation. They will make it more flexible, more generous, more secure, and more realistic-better able to meet your needs now, and in the future. It’s important to know what benefits are available Hed Financing a better fOMOITOW New financing arrangements will make and keep your Plan more secure than ever. Right now you and your employer each contribute 1.8% of your earnings up to a maximum amount. There will be a modest, gradual increase in your contribu- tions. Each year until 1991, the contribution rate will rise by 0.2% and from there until 2011 by 0.15%. If you make the maximum contribution, you will pay about $26 more in 1987. And remember, CPP contributions are tax deductible. Ai wider choice of retirement options After January 1st, you can begin receiving your CPP pension as early as age 60. You could qualify even if you are not fully retired. If you begin your pension before age 65, your bene- fits wil be less because you will have contributed less and will get the benefits for a longer period of time. Or. if you choose not to start your pension until after age 65, (up to age 70), your monthly benefits will be greater. Your pension would normally be payable the month after your 65th birthday. For each month between that date and when your pension begins, your benefit will be adjusted by 0.5%. This adjustment will apply for as long as you receive the benefit. Increased disability benefits If you qualify for disability benefits, your monthly payment will now be significantly increased. For example, the maximum disability pen- sion in 1987 will increase from $487 to more than $635 per month. As well, anyone entering or returning to the work force wil] have disability coverage after contributing in 2 of the last 3 years in which contributions could have been made. Survivor benefits continue On FEMAITIAZE lf you receive survivor benefits, they will now continue even if you remarry. If you remarried and had your survivor benefit dis- continued, you can have your benefit reinstated. .plitting pension credits 7 If your marriage ends in divorce, each spouse will be entitled to one half the “pension credits” you earned together. After January 1, 1987, the credits can also be divided if your marriage or common-law relationship ends in separation. Sharing your pension When you and your spouse ieceive your CPP retire- ment pensions, the benefits you've both earned during your life together can be shared if either of you makes this request. basic level of earnings protection when you retire, become disabled, or die. You will, however, have to apply for the benefits when you believe you are eligible. The information that follows highlights the major improvements. It’s good news! wy a Additional benefits for dependent children in the past. dependent children were limited to one flat-rate benefit, even if both parents had paid into the Plan and died or became disabled. ; Should the same happen now, your children would be entitled to double benefits. Improved ‘Combined’ benefits If you are entitled to a combination of survivorand disability benefits, the maximum monthly amount you could receive will now be greater. As for combined survivor and retirement benefits, these will now be more generously awarded to those who qualify. - Building ona solid cundation Being financially prepared for he future is a responsibility we all share. Your new Canada Pension Plan now gives you a stronger founda- tion. It’sa sound base, and it’s up to vow to build on this foundation. It’s never too soon, or too late, to begin building for your future. We hope you'll start today. You may need further information to better under- stand these changes. For booklets about your Canada Pension Plan, cail the toll-free number below or fill out the coupon and mail it to: CPP-INFO P.O. Box 5400, Postal Station “D" Scarborough, Ontario M1R 5E8 1-800-387-8600 In Toronto, 973-6868 AIEEE OE A OE GE) ee ey I'd like to know more about my new Canada Pension Name Plan. Please send me the ‘good news’ ee ee Clin English Oin French about ee ee Address Retirement Pension [] Financing Your CPP Pee EN TREN CLTRY REPENS RT: cee (Disability Pension {Flexible Retirement CANAD A PENSION PLAN —_-. CDeath & Survivor SSE ET NE City Prov. 01 arate Postal Code Health and Welfare Canada Canada Changing oporthe bite. Santé et Bien-étre social Sudo Fi, RSNA