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Laura Thompson's Submission in Response to Finance Canada's Regulatory Framework for Federally Regulated Defined Benefit Pension Plans consultation:

I'd like to suggest that federally regulated pensions allow for a temporary income or unlocking provision for all members.  The provinces have already moved in this direction and it's imperative that the same allowance is provided by the federal pension plans as well. In Saskatchewan, there is a 100% unlocking provision. Here in Manitoba they now have a 50% unlocking provision.  This replaced the temporary income allowance here in Manitoba.  I believe at the very least clients should be able to access a certain percentage above the maximum payment each year. 

Laura Thompson, CFP
Money Concepts / AEGON

5204 Roblin Blvd
Winnipeg, MB
R3R 0H1

Ph:(204)832-9148 / (800) 522-3915
Fax: (204) 896-5907