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Pension Plan Notes
1. The Constitution of Canada states unambiguously
in Section 94A that Ottawa may operate its pension plan only where
a province does not wish to occupy that field itself.
2. The Canada Pension Plan Act, in its first operating
section (Section 3), states unambiguously that any province wishing
to operate its own "comprehensive pension plan" with "comparable
benefits" to the CPP may on three years' notice to the Minister
of Human Resources Development opt out of the CPP.
3. Section 113, at the tail end of the Canada
Pension Plan Act, states that the federal government may raise CPP
premiums only with the consent of two-thirds of the participating
provinces. All this refers to is how Ottawa may raise CPP premiums.
Nothing anywhere in this section (or elsewhere in the act) limits
a province from exercising its right under Section 3 of the CPP
Act and Section 94A of the Constitution of Canada to establish a
comparable plan.
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