Your Pension Payment

For questions related to your pension, tax slips, personal exemptions, direct deposit banking, or pensioner death notifications, please contact our partner, CIBC Mellon who have been managing our pensioner payroll services since 2021. Let them know you are a member of the Provident10 plan when you call or send a letter.

When contacting CIBC Mellon, you will be asked to identify yourself by providing your full name, date of birth, Member ID (located on the first line of your pay statement). This security measure helps safeguard your privacy and confidentiality.

For additional information, visit CIBC Mellon Retiree Assistance.

• Contact CIBC Mellon

  Phone:
  Between 10:00 a.m. and 7:30 p.m. NST, Monday – Friday at the following toll-free numbers:

  For North American callers 1-800-565-0479

  For International callers 1-519-873-2218 (collect)

  Online/Email:
  Contact CIBC Mellon online through their secure online form. 

  Mail:
  CIBC Mellon Global Securities Services Company
  Pension Benefits Department
  PO Box 5858, Stn. B
  London, Ontario, Canada N6A 6H2

• How do I set up direct deposit?

  To receive pension payments directly to your bank account, complete and sign an online direct deposit request form through CIBC Mellon, attach a void cheque and mail the information to their office.

  Please note that CIBC Mellon requires 10 business days before your next payment date to process the changes.

  You can also call the CIBC Mellon toll free retiree center at 1-800-565-0479 to arrange for a secure email to be initiated so you can receive and return an electronic fillable direct deposit form.

  For additional support, contact: mypensionpayment@provident10.com

• Who do I contact with questions about my health insurance?

  For questions related to your group insurance benefits, contact the Government of Newfoundland and Labrador Group Insurance Section at 709.729.2310 or groupinsurance@gov.nl.ca

• What do the codes on my paystub mean?

  Deduction paystub labels:

  Deduction Code	Label	Description
  32	MEDICAL	Medical Deduction (OPEB)
  33	DENTAL	Dental Deduction (OPEB)
  34	LIFE&ADD	Life& ADD Deduction (OPEB)
  35	VOL LIFE	Voluntary Life (OPEB)
  36	VOL ADD	Voluntary AD&D (OPEB)
  42	GIVE TO	Give to Feel Good Deduction
  44	POSTOPMT	Overpayment Recovery Deductions (Post Implementation)
  56	PN ASSOC	Pensioners Association Contributions
  57	NAPE7002	NAPE Contributions
  45	PPSPPREM	PSPP Contribution Premium Adjustments
  59	HOUSING	NL Housing Group Insurance Deduction
  63	RETHOUSE	NL Housing Group Insurance Deduction (Retro Amount)
  55	HYDROINS	NL Hydro Group Insurance Deduction
  61	RETHYDRO	NL Hydro Group Insurance Deduction (Retro Amount)
  58	PET BRD	CNLOPB Group Insurance Deduction
  62	RETPETBD	CNLOPB Group Insurance Deduction (Retro Amount)
  43	PREOPYMT	Overpayment Recovery Deductions (Pre-Implementation)
  54	NAT LIFE	National Life Deduction

  Allowance paystub labels: 

  Allowance Code	Label	Paysource	Description
  03	BASE-IND	1PS03	Base Pension (Indexed)
  04	BRIDGE	1PS04	Bridge Benefit (Non-Indexed)
  06	BASENOIN	1PS06	Base Pension (Non-Indexed)
  09	RETROREG	1PS09	Regular Pension Retroactive
  19	LIFE TB	1TB19	Life Insurance Taxable Benefit
  23	AD&D TB	1TB23	AD&D Taxable Benefit
  34	BRIDGEIX	1PS34	Bridge Benefit (Indexed)
  39	SERP	1PS39	SERP Benefits (Indexed)
  40	SERPEXGR	1PS40	ExGratia Benefits (Indexed)
  41	SRPNOIND	1PS41	SERP (Non-Indexed)
  42	EXNONIND	1PS42	Ex Gratia Benefits (Non-Indexed)
  43	RETROSRP	1PS43	Serp/ExGratia Retro Payment
  82	LIFE TB	1TB82	Life Insurance Taxable Benefit

• Newfoundland and Labrador Public Sector Pensioners’ Association

  The Newfoundland and Labrador Public Sector Pensioners’ Association (NLPSPA) represents anyone who receives a pension from the Government of Newfoundland and Labrador and works to ensure the well-being of their members. We work closely with the NLPSPA to ensure our pensioners’ voices are heard, and that your interests are considered.

  Visit the NLPSPA website.