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Your Life with LAPP
Changes in Your Work Life
Shortened Life Expectancy

Shortened Life Expectancy

If you are diagnosed with an illness or disability that is terminal or will shorten your life expectancy considerably, you may be eligible to access all or a portion of your LAPP benefit entitlement.

This option is only available to members who have not yet retired and have not yet started receiving a LAPP pension benefit.

Please contact the Client Service Advocate at 1-888-643-1337 for more information.

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Terms of Use

Your use of this website signifies that you have read and understood the terms and conditions set out below, and that you agree to be bound by them.

General Disclaimer

This website is designed to outline as simply as possible the main features of the Local Authorities Pension Plan (LAPP). It is for information purposes only and is not intended to provide you with specific financial, legal, investment, pension or tax advice.

Alberta Pensions Services Corporation (APS), LAPP's pension benefit service provider, strives to ensure that all information contained on this website is accurate. However, your pension entitlement is always limited by what is allowed by the pension plan rules and associated legislation (legislation), so any inaccuracy in, or misunderstanding of pension information arising from the content on this website cannot increase the benefits otherwise available to you under the legislation. In the event of any conflict between the legislation and this website, the legislation will govern.

Seek Professional Advice About Pension Decisions

You should not rely on the content on this website in making any decisions or taking any action with respect to your pension. Seek advice from a qualified financial advisor before relying on any speculative pension calculation, or exercising any pension option.

Disclaimer of Warranties and Limitation of Liability

THIS WEBSITE AND ANY DOCUMENTS ARE PROVIDED BY APS AND LAPP ON AN "AS IS" AND "AS AVAILABLE" BASIS. APS AND LAPP MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS WEBSITE OR ANY ASPECT OF THE INFORMATION, CONTENT, MATERIALS, DOCUMENTS OR PRODUCTS AND SERVICES INCLUDED ON THIS WEBSITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE AND THE CONTENT THEREIN IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, APS AND LAPP DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. APS AND LAPP DOES NOT WARRANT THAT THE WEBSITE, ITS SERVERS, OR EMAIL SENT FROM APS, LAPP OR ITS AUTHORIZED AGENTS ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. APS AND LAPP DO NOT WARRANT THAT ACCESS TO THIS WEBSITE WILL BE CONTINUOUS OR WILL BE AVAILABLE AT ANY GIVEN TIME. APS AND LAPP WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE OR THE DOCUMENTS, INCLUDING BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

THE LAWS OF CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU IN YOUR JURISDICTION, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MIGHT NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Permitted Use

As a user of this website, you may view, copy, print and use (collectively, use) documents or other materials (Documents) on this website as specified and you agree that you will observe and comply with any notice or restriction on or accompanying any particular Document(s) you wish to obtain from or through this website.

Email and Internet Communications

Communication by email over the Internet and other publicly accessible networks is not secure. Any information that you send by email may be lost, intercepted or altered while it is being transmitted.

If you choose to send information to APS or LAPP by email or over the Internet, you do so at your own risk. APS and LAPP do not assume any liability for any damages you may experience, or costs you may incur, as a result of sending information by email or, should you request it, as a result of APS or LAPP sending information to you by email. This includes any such email that may contain your personal or confidential information.

Restrictions and Prohibited Uses

You agree that you will not use this website for any improper, fraudulent, illegal or malicious purpose, including, without limitation, to impair use of this website by others.

You agree not to modify, adapt, translate, reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of this website. You also agree not to develop any similar or competing business or website that uses any portion of, or look and feel of this website, or any of the Documents.

Privacy Statement

As a general policy, no personal information is automatically collected from visitors to this website. APS and LAPP do, however, gather and analyze certain information of a non-personal nature regarding site usage from all visitors to this website. Such data is used in an aggregate form to assist APS and LAPP in determining general usage patterns and to improve the layout and functionality of LAPP's website.

Such website usage and statistical information may be disclosed to third parties at APS' and LAPP's discretion.

For more information about LAPP's privacy practices see our full privacy statement.

Hyperlinks

This website may contain links to third-party websites. These links have been provided solely as a convenience for you and do not constitute an endorsement by APS or LAPP of the content of such third-party sites.

Links to this website may also be provided from sites either known or unknown to APS or LAPP. Access to any other website linked to or from this website is at your own risk. APS and LAPP have not reviewed and are not responsible for the content of any third-party sites linked to or from this website and do not make any representations or warranties regarding the content or accuracy of materials on such third-party websites.

Copyright and Trademarks

All information contained on this website is protected under the copyright laws of Canada and other countries. You agree to ensure that any copyright notice along with any other notices and disclaimers appearing on these Documents are reproduced and retained on all copies in the same form and manner as on the original. You are not permitted to use, display or promote the name, trade-mark(s), or logo(s) of APS or LAPP (apart from authorized reproduction of the Documents), without the prior written consent of APS and/or LAPP.

Furthermore, any reproduction of any information contained in this website without the express written permission of APS and/or LAPP is prohibited by law. Any financial information, including any reports by the Auditor General of Alberta, contained on this website is unofficial information and should not be relied upon. The official versions of any financial reports are available from APS or LAPP.

Legal Notices

Send legal notices to:

APS
Attention: Director, Legal Services
5103 Windermere Blvd. SW
Edmonton, AB T6W 0S9
Fax 780-425-6245

For all other related correspondence, please contact us.

Governing Law and Jurisdiction

By accessing and using this website, you agree that the laws of the Province of Alberta, Canada, without regard to principles of conflict of laws, will govern this website and any dispute of any kind that might arise between you and APS, LAPP, Alberta Local Authorities Pension Plan Corporation, the APS Board and/or the LAPP Board of Trustees.

Privacy Statement

Privacy Statement

Local Authorities Pension Plan (LAPP), in association with their benefit services provider Alberta Pensions Services Corporation (APS), values and respects your privacy and ensures necessary processes and systems are in place to protect your privacy and personal information.

As LAPP's service provider, APS collects personal information from you and your employer in order to administer your pension benefits. This information is protected by the provisions of the Alberta Freedom of Information and Protection of Privacy (FOIP) Act and Regulation by virtue of section 9.2 of the Alberta Public Sector Pension Plans Act.

For more information about APS' privacy policy, please click here.

If you have a concern about how your personal information is handled, contact the APS Privacy Advocate.

Privacy Advocate Office
5103 Windermere Blvd. SW, Edmonton, AB T6W 0S9
Phone: 780-391-3799
Fax: 780-422-0325
E-mail: privacy@apsc.ca

Shortened Life Expectancy

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