Canada Post has advised that mail delivery will continue to be uncertain during ongoing rotating strikes. As a result, mail delivery to and from TRAF may be affected at times. During this time, please be aware of the following:

Pension payments and cheques

• Pension payments made through direct deposit are unaffected and will continue as usual.
• For members who receive their pensions by cheque, we encourage pensioners to sign up for direct deposit to ensure uninterrupted future pension payments.
• Other cheques payable to an individual or to a financial institution may be impacted. If you or your financial institution are expecting a cheque, please contact our office.
• If you need to make a payment (e.g., for a service purchase), we recommend dropping off the cheque(s) at our office, if feasible.

Documents and other correspondence

• Documents, correspondence and applications can be sent and received securely through Online Services, our secure member portal. We encourage you to register for Online Services and ensure your email, phone number and address are up to date.
• Correspondence will be delivered through Online Services where feasible.
• Alternatively, correspondence can be faxed to 204-944-0361 or dropped off or picked up at our office during business hours Monday through Friday from 8 a.m. to 5 p.m.

If you are picking up a cheque or a document at our office, please call us to make arrangements in advance to ensure your item is ready when you arrive. Government-issued photo identification must be presented before items will be released to you.

If you have any additional questions or concerns, please contact TRAF at 1-800-782-0714.

Updates will be posted on our website when available.

Read the fall 2025 editions of The Link (for active and deferred members) and The Horizon (for retired members). News stories include an article about TRAF’s 100^th anniversary celebrations; a profile on Johanna Wilson, TRAF’s oldest member; July 2025 retirement statistics; and details on maximizing your pension or when to contact us during key life events.

Pension change notices for October are now available in Online Services. Notices are available online only, but may be printed from your account. This notice will only be added to your account if there has been a change in your net monthly pension payment.

To view your notice, register for or log in to your Online Services account and choose “My TRAF Documents.”

The 2024 Annual Report is now available. Read the report for details on governance, member services, funded status of the plan, cost of living adjustments, investments and more.

In 2024, the TRAF investment portfolio generated a return of 15.48% net of investment expenses, compared to the benchmark return of 14.70%. Longer-term returns remain well above our benchmark, having generated 0.69% in additional return over the past 20 years. For a breakdown of the investment returns, net of expenses, for the total portfolio and each asset class over the one-year, five-year, 10-year and 20-year periods, see Investment Performance.

Effective July 1, 2025, the Retired Teachers’ Association of Manitoba (RTAM) will increase its monthly membership fee from $3 to $4. For more information, contact RTAM.

Effective July 1, 2025, TRAF will grant a cost of living adjustment (COLA) of 1.60% to eligible members receiving a TRAF pension.

To learn more, visit Cost of Living Adjustment (COLA).

Your 2024 T4A is now available in your Online Services account. Log in or register today. Paper copies were mailed in mid-February.

If you return to teach under contract in a position covered by TRAF while collecting your pension and work more than 120 full days in a school year (including substitute service), your pension will be suspended on the 121^st day and you must again contribute to TRAF. You are required to notify your employer(s) that you are receiving a TRAF pension and you will be required to track the number of days you work and notify your employer(s) and TRAF when that number reaches 120 days. Your employer is also required to notify TRAF in writing when the number of days is expected to reach 120 days.

The 120-day rule does not apply if you are age 65 or older and have at least 15 years of qualifying service before reaching your 121^st day.

If you have returned or plan to return to teaching (or any other position covered by TRAF) after retirement, it is important that you understand all of the rules that apply, including both the 120-day rule and the 90-day rule, and the impact they may have on your pension.

For more information, please refer to the Teaching After Retirement fact sheet. We also encourage you to contact us to discuss your personal situation.

A “Special Edition Newsletter Focused on Sustainability” is now available, which focuses on the plan’s funding, account structure and long-term financial outlook. 

Whether you’re early or mid-career, or approaching or enjoying retirement, it’s important to understand the financial outlook of your pension plan.