Due to the COVID-19 pandemic, our offices are closed however we are in communication electronically. Please send all benefit and eligibility queries to: administration@bpagroup.com and all claim inquiries to: claims@bpagroup.com Please ensure to include your full name, certificate number and reason for inquiry, all inquiries will be handled on a priority basis within 1 business day. Click here to read an important update from your Benefits Department.

Your Retirement Needs

Calculating your retirement needs

There are a number of factors to take into account in determining your retirement needs.
They are as follow:

  • Find out what annual income, before taxes, you would like to receive during your retirement in today’s dollars.
  •  Determine what age you wish to retire.
  • Ascertain your future retirement income sources. These will likely come from three main sources: Government benefits,Private pension plans and,Personal savings.
  • Other assumptions you will need to make are future tax rates, inflation and rate of return on your investments.

It is advisable to contact a qualified financial advisor to assist you with the preparation and implementation of your plan and then provide you with periodic up-dates.

Insulators Local 95 Benefit Trust Fund c/o Benefit Plan Administrators 
90 Burnhamthorpe Road West, Suite 300 Mississauga, Ontario L5B 3C3