Eligibility


Eligibility for TRAF benefits depends on a number of variables such as:

  • The date you terminate your contract with the school division
  • The length of your qualifying years
  • Your age

Retirement at Normal Retirement Age (age 65)

You are eligible to begin your pension the month following normal retirement age regardless of the length of your service.

If you have less than 15 years of qualifying service, you must terminate your contract with the school division.

If you have more than 15 qualifying years, you can start your pension without terminating your contract.

Retirement before Normal Retirement Age

You must terminate your contract with your school division in order to start your pension.

If you have less than10 years of qualifying service, you are eligible for an unreduced TRAF pension at age 65 ie. normal retirement age. Alternatively, you can apply for an actuarially reduced TRAF pension payable as early as age 55.

If you have 10 or more years of qualifying service, you are eligible for a TRAF pension as early as age 55.

Different rules may apply if you terminated your contract with your school division before May 31, 2010.

Retirement after Normal Retirement Age (Postponed Retirement)

If you decide to postpone your retirement and continue working after age 65, the following rules apply:

If you have less than 15 years of qualifying service, you are required to continue to contribute to TRAF until you accumulate 15 years or until the end of the year in which you turn age 71, if earlier.

If you have at least 15 years of qualifying service, you can choose one of the following options and you must complete an Age 65 Election form in advance of your 65th birthday to advise TRAF of your decision.

  • You are entitled to receive your pension the month following your 65th birthday without terminating your contract. You are no longer required to make TRAF contributions.
  • Alternatively, you may choose not to receive your pension. You will continue to make TRAF contributions and accrue pensionable service. The latest you can contribute to TRAF and accrue pensionable service is the end of the year in which you turn age 71.

You must terminate your employment contract (unless you are age 65 with at least 15 years of qualifying service) and submit your Pension Application before your pension starts. A late application will result in lost income since pensions are not paid retroactively.



Note that if you are employed but not contributing to TRAF, for example, employed in a private school, you are eligible to start your TRAF pension, providing you are at least age 55, and you have submitted your Pension Application to TRAF. You will lose pension income if you do not apply on time.

Eligibility rules are complex. We suggest you contact TRAF to confirm when you eligible to retire.