{"id":1233,"date":"2020-08-04T14:01:48","date_gmt":"2020-08-04T18:01:48","guid":{"rendered":"https:\/\/anrfmontreal.webloft.dev\/faq\/"},"modified":"2024-01-13T14:01:22","modified_gmt":"2024-01-13T19:01:22","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.anrfmontreal.ca\/en\/frequently-asked-questions\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1233\" class=\"elementor elementor-1233 elementor-394\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-403de843 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"403de843\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-39a48291\" data-id=\"39a48291\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fc84db6 elementor-widget elementor-widget-heading\" data-id=\"2fc84db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3c65f52c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c65f52c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b6db837\" data-id=\"3b6db837\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f7fcce elementor-widget elementor-widget-accordion\" data-id=\"8f7fcce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1501\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1501\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why become a member?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1501\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1501\"><p>Federal Retirees is the largest and most influential advocacy group representing more than 170,000 federal retirees who receive a pension under the Public Service Superannuation Act, the Canadian Forces Superannuation Act, the Royal Canadian Mounted Police Superannuation Act and the Judges Act.<\/p><h5>In accordance with its mission, Federal Retirees works to achieve the following objectives:<\/h5><ul><li>protect and enhance retiree pension benefits under federal plans and the Judges Act<\/li><li>oppose measures unfavorable to federal retirees<\/li><li>protect and improve all benefits for seniors<\/li><li>inform and support retirees regarding their rights as federal pensioners<\/li><li>collaborate with other seniors and pensioners organizations that pursue the same objectives<\/li><\/ul><h5>Our representation and support approaches\u00a0<\/h5><p>Federal Retirees defends the integrity of its members\u2019 pensions, health and dental benefits. Federal retirees also seek improvements to their pensions and benefits while at the same time defending the benefits of seniors in general. We approach politicians to obtain changes that improve the quality of life of our members.<\/p><h5>Benefits offered by Federal Retirees to our members<\/h5><p>Members of Federal Retirees can take advantage of substantial savings from a wide range of partners.<\/p><p>Our directory of partners continues to grow and meets the needs of our members with reliable services in home and automobile insurance, moving, real estate transactions, travel, accommodation for retirees, and automobile rental. The savings a member can receive from these programs can exceed their annual contributions.<\/p><h2><a href=\"https:\/\/www.federalretirees.ca\/fr\/membres\/comment-devenir-membre\">Becoming a member<\/a><\/h2><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1502\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1502\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How do I notify you of my new address, phone number or email address?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1502\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1502\"><p>Go to the <a href=\"https:\/\/www.anrfmontreal.ca\/en\/change-of-address\/\">Change of Address<\/a> page.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1503\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1503\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How pension indexation is calculated?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1503\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1503\"><p><a href=\"https:\/\/www.anrfmontreal.ca\/wp-content\/uploads\/2024\/01\/Effects-of-indexation-on-your-pension.pdf\">How does indexing rate affect your pension<\/a><\/p><p><a href=\"https:\/\/www.anrfmontreal.ca\/wp-content\/uploads\/2024\/01\/How-is-indexing-rate-calculated-1.pdf\">How is indexing rate calculated<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1504\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1504\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What does it mean to be 65 years old?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1504\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1504\"><p><strong> When you turn 65, major changes are in store, mainly affecting your pension income and drug coverage. What do you need to do?<\/strong><\/p><p><strong>The following links provide all the information you need to have at least one year before you reach your 65th birthday. There are actions to take and choices to make. Whether or not you&#8217;ve received a letter from Service Canada, you must take action. The information contained in these links will help you understand the changes to your situation that you should expect.<\/strong><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp.html\">Canada Pension Plan CPP<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/benefit-amount.html\">How much you could receive and deferment of old-age pension<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement.html\">Guaranteed Income Supplement\u00a0<\/a><\/p><p><a href=\"https:\/\/www.rrq.gouv.qc.ca\/en\/retraite\/rrq\/Pages\/calcul_rente.aspx\">The retirement pension under the Qu\u00e9bec Pension Plan (QPP)<\/a><\/p><p><a href=\"https:\/\/www.ramq.gouv.qc.ca\/en\/citizens\/turning-65\">Medical Insurance, a choice to be made at 65<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1505\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1505\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why should I also be a member of FADOQ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1505\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1505\"><p><strong>It pays to be a member of Federal Retirees, Montr\u00e9al Branch! As a member, you are entitled to a $10 discount on your &#8220;annual&#8221; FADOQ membership; all you have to do is give them your Federal Retirees membership number and tell them whether you wish to join FADOQ Montr\u00e9al (club no. Y802) or FADOQ Laval (club no. H800). Renewals are made annually at the beginning of the year. For more information, please call 1-800-828-3344 or <a href=\"https:\/\/www.fadoq.ca\/en\/ile-de-montreal\/join-now\/votre-bureau-regional\">click here<\/a>.\u00a0<\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1506\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1506\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Using the Protection Mandate: Where to start?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1506\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1506\"><p><a href=\"https:\/\/www.quebec.ca\/en\/justice-and-civil-status\/legal-protection\/protection-mandate\/having-protection-mandate-homologated\">Having a protection mandate homologatedoguer un mandat de protection<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Frequently asked questions Why become a member? Federal Retirees is the largest and most influential advocacy group representing more than 170,000 federal retirees who receive a pension under the Public [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":-500,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-1233","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/pages\/1233"}],"collection":[{"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/comments?post=1233"}],"version-history":[{"count":0,"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/pages\/1233\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.anrfmontreal.ca\/en\/wp-json\/wp\/v2\/media?parent=1233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}