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Defined Benefit Registered Pension Plan
A Defined Benefit Registered Pension Plan is an agreement to provide specific benefits at retirement, based on years of service and earnings.
Sponsor advantages
* Sponsors select the pension level and decide whether employee contributions are required or not
* contributions and plan administration expenses are tax deductible
* flexible retirement program - better suited to provide early retirement benefits and other ancillary benefits
Member advantages
* members receive a formal promise of a specific pension at retirement
* guaranteed retirement income
* creditor-proof - to the extent provided for under applicable legislation, pension plan contributions cannot be seized by creditors
