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Low Rise Introduction

The primary purpose of the Low Rise Pension Plan is to make it easier for you to enjoy financial security in your retirement years through planning and saving throughout your working career. Your income from the Low Rise Pension Plan, combined with the payments from the Government's pension programs and your own savings, will provide a good foundation for a secure income after your retirement.

Some of the provisions of the Low Rise Pension Plan were agreed to in the Collective Agreement made between the Independent Plumbing and Heating Contractors Association (the "Association") and The United Association of Journeymen and Apprentices of the Plumbing and Pipefitting Industry of the United States and Canada, Local 46 (Low Rise Residential Division) (the "Union"). Other provisions are required by law. Still others mostly administrative in nature are determined by the Trustees.

Members of the Low Rise Pension Plan may make a one-time election at any time to participate in the I.C.I./High Rise Pension Plan (the “ICI Plan”) for future service. Information regarding the ICI/High Rise Pension Plan is provided on this website.

This website has been designed to explain to you, in brief non- technical language, the benefits to which you are entitled under the Low Rise Pension Plan. Your rights, however, are governed entirely by the provisions of the Low Rise Pension Plan and not by this site, which is very general in its description.

The Low Rise Pension Plan is registered with the Financial Services Commission of Ontario – Pension Plans Branch, in accordance with the Pension Benefits Act of Ontario, and with the Canada Revenue Agency, in accordance with the Income Tax Act, under Number 0995704.