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Marriage/Common-Law Relationship



Your pension is set up to protect both you and your partner whether you are married or living common-law. Your partner is entitled to certain benefits including:

  • The mandatory Plan D - 2/3 to Last Survivor plan option at retirement unless waived (if cohabiting in a conjugal relationship at the time of retirement),
  • Pre-retirement survivor's benefits unless waived (if cohabiting in a conjugal relationship at the time of retirement),
  • Certain information such as a copy of your annual benefits statement, if requested in writing, and
  • If you separate permanently, you partner may be entitled to half the monthly pension earned from the date the relationship began to the date of separation.

Defining Common-Law

You and your partner (a person with whom you are living in a conjugal relationship) are living common-law if:

  • You have registered your relationship under The Vital Statistics Act and neither person is married, or
  • You have been living with your partner for one year and neither person is married, or
  • You have been living with your partner for three years if either person is married.

Make sure you inform TRAF of any changes in your marital status or common-law relationship as they occur. The Teachers' Pensions Act requires you to provide written evidence of your common-law relationship that is satisfactory to the TRAF Board. Update this information as required by accessing the Beneficiary Designation through your Online Services account.