Deductions
Income tax and other deductions may be taken off your gross pension amount. Register for and log in to your Online Services account to view “My Pension Account,” where you will find details on your current and historical monthly pension payments and the specific deductions that apply to you.
Income tax
Income tax is a mandatory deduction, and is calculated based only on your TRAF pension.
If you are living outside of Canada, income tax is deducted at the non-resident rate.
Income from other sources is not taken into consideration, so if you have other income during retirement, you may wish to increase the amount of income tax withheld from your pension.
Register for and log in to your Online Services account to try the tax calculator, which will help you determine the amount of income tax TRAF is required to withhold from your gross monthly pension.
You can increase your deduction by downloading and completing a Change Notification or calling us for a copy of the form.
If you move outside of Manitoba and your residency status changes for tax purposes, provide TRAF with new TD1 tax forms. New TD1 forms are also required if you want to change your tax credits.
Optional deductions
Depending on the benefits you select at retirement, the deductions below may be taken off your gross pension amount.
- Retired Teachers’ Association of Manitoba (RTAM) fees
- Various insurance plans if you are a member of RTAM (Johnson)
- Those who retired from positions with the Province of Manitoba may have elected to have deductions made for the continuation of their group life insurance (CSSB)
Although TRAF accepts deductions for these organizations, we do not administer the benefits they provide. Therefore, it is essential that you contact each organization directly if you have any questions regarding their benefits.
| Organization | Phone number | Toll-free |
|---|---|---|
| RTAM | 204-889-3660 | 1-888-393-8082 |
| Johnson (RTAM members only) | – | 1-877-989-2600 |
| Manitoba Blue Cross | 204-775-0151 | 1-800-873-2583 |
| The Civil Service Superannuation Board (CSSB) | 204-946-3200 | 1-800-432-5134 |
