GuidanceResources is an added benefit for members of the group benefits plan that give members and their families confidential support, resources and information for personal and work-life issues at no charge. These services are strictly confidential and are available to you and your immediate family members 24 hours a day, seven days a week, by phone or online.
Staying Safe This Summer With good weather upon us, spending time in the sun and participating in outdoor activities can be a lot of fun, but there are some risks to being outside during the warmer months of the year. The following tips can help ensure a fun and safe summer, especially when exercising outdoors:
Warmer Weather If you enjoy outdoor summer activities, stay safe while out in the heat by: • Drinking plenty of water • Taking frequent breaks from activity • Limiting strenuous activity to the morning and evening hours
Sun Safety While no one can completely eliminate sun exposure, you can take steps to help minimize the damage caused by ultraviolet (UV) radiation • Avoid exposure when the sun is hottest: from 10 a.m. to 2 p.m. • Use a broad-spectrum sunblock lotion with an SPF of 30 or higher • Reapply sunblock every two to three hours that you are outdoors If you do get sunburn, you can treat it in a number of ways: • Take a cool bath or shower, or apply cool compresses to the affected area. • Apply aloe vera or calamine lotion to the sunburn. • Drink plenty of fluids. • Take aspirin or acetaminophen to reduce pain. Always talk to your doctor before taking any medication. • Do not break blisters if they appear. If blisters break on their own, apply a bandage over the area.
Eye Damage The same UV rays that can damage your skin can harm your eyes, putting you at risk later in life for cataracts and age-related macular degeneration. To reduce your risk, the American Academy of Ophthalmology recommends that you: • Wear sunglasses that block 99 to 100 per cent of UV-A and UV-B rays • Wear a wide-brimmed hat, which will shade your eyes and protect the skin on your face
Overheating If you are going to exercise in hot weather, keep the danger signs for heat exhaustion and heat stroke. Heat Exhaustion:Heat exhaustion occurs as a result of long-term exposure (usually over several days) to heat combined with a lack of fluid intake. With heat exhaustion, body temperature will usually stay at a normal level. Symptoms include: • Sweating • Paleness • Muscle Cramps • Fatigue • Weakness • Dizziness • Headache • Nausea • Clammy Skin
Heat exhaustion can be prevented by staying inside in hot weather. If you must be outside, dress in light clothing. Taking a cool shower can help to combat the symptoms or heat stroke, as can drinking cool, non-alcoholic beverages. Heat Stroke:Heat stroke occurs as a result of heat exhaustion that is left untreated. The body becomes unable to self-cool, resulting in an elevated body temperature. Signs of heat stroke include: • Hot and dry, red skin • Confusion • Fainting Heat stoke is a serious condition that can be fatal if left untreated. If someone you know is suffering from heat stroke, call for immediate medical assistance. While waiting for emergency assistance to arrive, immerse the victim in cold water or cover their body with cold, wet cloths.
Member Contributions: Members contribute a percentage of their pensionable income to the plan every month by payroll deduction. This percentage is approved each year by General Assembly. Read more on page 4 of Your Pension Plan.
Employer Contributions: Your congregation or employer also makes contributions to the pension plan. The amount of employer contributions is approved each year by General Assembly. Read more on page 4 of Your Pension Plan.
Retirement Age: Normal retirement age is 65. You can retire anytime after you reach age 55 with a reduced pension. Retirement can be postponed anytime after age 65, but under current law, pension payments must begin no later than the year in which you reach age 71. For more details on retirement age, early retirement or postponed retirement, see page 5 of Your Pension Plan.
Amount of Pension: Your pension is based on a formula that uses your pensionable income, income ratio, pensionable service, and maximum qualifying income. Read more on page 6 of Your Pension Plan.
If You Leave: If you leave the plan before you are vested, you will receive a refund of your contributions plus interest. If you are fully vested you are entitled to the commuted value of the pension you have earned. Read more on page 11 of Your Pension Plan.
Annual Pension Statements are sent to all members each May.
Your Pension Plan booklet (2016) provides information about The Presbyterian Church in Canada’s pension plan.
Have questions about retirement? Have a look at our Retirement and your PCC Pension Plan resource here.
Newsletter: Window on Your Pension and Benefits
Window…on your Pension and Benefits is a newsletter for active members of the pension and benefits plan, and is published each spring and fall. This newsletter contains details of health and dental benefits, messages from the Pension and Benefits Board, and important updates regarding the pension plan.
Continuation of Pension and Group Benefits Form – Members must complete this form prior to leave declaring their decision to stay in / suspend participation in both the pension plan and group life insurance benefits. Members can choose to opt to stay in one and not the other. Regardless of their choice, health and dental coverage will be maintained.
2. You will then be asked to enter your Organization Web ID:COM589
3. On the next page, you will be asked to enter the first five (5) characters of the name of your organization: Presb. When you’ve finished, click the Submit button on the bottom of the page.
4. On the next page, you will be asked to select your organization – Presbyterian Church in Canada – from a drop-down menu. When you have finished, click the Submit button at the bottom of the page.
5. You will then be asked to enter a User Name and Password. Both can be anything you would like but should be something you will remember. The User Name (often your name) must be at least six characters long and should have no spaces (ex. joesmith). The Security Questions are meant to prompt you if you forget your password. Make sure that you complete all required fields. When you’ve finished, click the Submit button at the bottom of the page.
6. You should now be registered on the website. If you have any problems registering or logging in to GuidanceResources Online, email Member Services at memberservices [at] compsych [dot] com.