Councillor helping woman fight for pension benefits

Barb Sweet
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Mount Pearl Coun. Lucy Stoyles looks over paperwork for a friend who is fighting Service Canada over Canada Pension benefits. — Photo by Barb Sweet/The Telegram

Mount Pearl Coun. Lucy Stoyles is challenging the federal government in a fight over Canada Pension benefits for a friend.

Stoyles and the woman, who does not want to be named, are headed to a tribunal in February to try to overturn the decision by Service Canada not to award the woman Canada Pension splitting benefits.

The woman had been married for nearly three decades when her husband left her for another. They were separated when he died a few years later.

The woman, then in her 50s, went to a metro Service Canada office to apply for benefits and was told she could not make the application until she was 60.

So she waited, only to be told when she tried to apply again after age 60 that she had missed a deadline of three years after the man's death to apply.

"I did question (the federal employee's) information at the time, but she bluntly informed me that she was, indeed, correct and had worked at Service Canada for many years and did, indeed, know her job," the woman said.

"So, based on this information, I felt I had no alternative but to wait until my 60th birthday," the woman wrote Service Canada Minister Diane Finley about her plight.

The woman had been a stay-at-home mother until the separation, trusting her husband with the family finances.

Afterwards, she said, she discovered he'd signed her name on a bank document for a second mortgage without her knowledge, and she had to work a combination of minimum wage jobs to pay her bills. When she finally got him to court, the man died.

Canada Pension Plan's (CPP) credit splitting is intended to split the assets and entitlements built up during a legal marriage or common-law relationship.

Credits can be split even if one spouse or common-law partner did not pay into the Canada Pension Plan.

Generally, the credits of one person, the lower earner, are increased and the credits of the other, the higher earner, are reduced by the same amount, according to Service Canada.

In response to an inquiry from The Telegram, Service Canada said CPP legislation clearly requires that in the case of separated spouses, an application for a credit split must be made within three years of the death of one of the separated spouses.

The department said the woman can appeal the decision - which she is trying to do - and also apply for a survivor's pension.

The woman was sent a letter in November from Service Canada insisting that records indicate she visited an office in March 2000, was given an application form and did not return it.

And despite the mention of a tribunal, the woman was told the department's response is not positive.

"That decision cannot be reversed, as both the minister and the department are bound by legislation," the letter informed her.

"It's my word against theirs," the woman said in an interview.

"That's the sad part of it."

The woman admits they had a good lifestyle, the envy of friends, while together. But when her husband left, he had removed his name from holdings. They married in the late 1960s - still a time many women became homemakers.

Recalling the first time she went to see a lawyer, more than a decade ago, she had no answers to financial questions.

"(The lawyer) said, 'I have had many a person sit in that chair, but I have never met anyone so vulnerable as you are,'" the woman recalled.

"I said, 'You might call it vulnerability. But I call it trust and love.' I completely trusted my husband. But I realize now you don't trust.

"He was a person who loved country and western, and he went from country and western, your regular Joe, to Bon Jovi and tight jeans and leather jackets."

"Then this (employee) tells her she can't get her CPP, that she wasn't entitled to it. That's the stupid part of it all," Stoyles said of the woman's initial visit to the Service Canada office.

"No one ever told me I had this three-year window," said the woman. "Who in their right mind would go to Service Canada and apply for it and you got a three-year window and you're gonna say 'No, I don't want that'?"

So, why not Google the information? A decade ago, the woman did not have access to a computer - Google itself was only barely a year-and-a-half old at the time she walked into the federal office.

Attempts to work with her local MP's office have only confused the matter - at one point, the woman received a call from an official who was under the impression she wanted to drop the case.

"I am going through with this tribunal, myself and Lucy," she said. "I am more determined than ever to go to the tribunal."

"Why would she not take the money if she knew she was entitled to it?" Stoyles said.

"You feel like you are knocking up against a brick wall," said the woman, adding she's now had to track down legal files from her now-retired lawyer of more than a decade ago and obtain other documents.

"I don't think all that is necessary, to put a woman through that. If you are married and your husband dies, 'Here's the forms - you fill them out. Here's your money. Have a nice day.' When you are separated, good luck with all of that."


Organizations: Service Canada, Google, Bon Jovi

Geographic location: Mount Pearl, Canada

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Recent comments

  • Political watcher
    January 02, 2012 - 17:30

    Amuzing responses: I am neither a family member nor close friend and yes, I am very up to speed. I can say that I have been watching Municipal Poilitics in this region for over 40 years and can speak from a very informed position. Unlike you who may just touch the crest of a wave and feel informed enough to make an opinion, like you did here, I read, research and inquire.

  • Amuzing responses
    January 01, 2012 - 20:20

    It is amazing how these stories get in the paper and then people respond as if they know what is going on. It is more than amuzing. Political Watcher and MBC, your repsonse indicates you are a family member or close friend or not up to speed on what is happening in that municipality. How do stories like this even make it in the paper. With everything else going on this is the best we can report on! Come on, lets get with it. The only time I hear this name is when it comes to issues outside of the municipality.

  • Marie Farrell
    January 01, 2012 - 20:07

    I find difficult to believe that this unnamed person was given wrong information at this office I have and several others I am aware of have been to this office for service and it has been exceptional... It appears she downs,t know what she is even looking for , So my thoughts are se asked the wrong questions but received the right answers . If all else fails blame the govt and scream that you were given wrong information by the messenger and you will get your own way... Like a child, also Lucy should be putting her energy into her city not personal favorite for her friends who don,t live in the city who voted her in !!!!

  • Elizabeth
    January 01, 2012 - 17:28

    Well Alex I guess you won't be looking for your Canada Pension, Old Age Security or any other benefit that you might be entitled to when the time comes. Anybody who works, in home or outside, are entitled to the same benefits. Wait until you have to deal with these Legislations, good luck to you.

  • Alex
    January 01, 2012 - 09:18

    the ol' "hey if its free take it"... typical attitude of the people featured in these stories... and its always someones elses fault, never theirs. Also please dont go to the media looking for help when you are too embarassed to give your name.

  • MBC
    December 31, 2011 - 14:18


  • Political watcher
    December 31, 2011 - 11:06

    Lucy is a true, sincere lady who takes her Councillor role very seriously. Unlike her other Council colleagues who, if it didn't have anything to do with Municipal issues they wouldn't touch it, Lucy always steps up and does what she can and offers herself up in both time and hand-on support. Keep up the great work Lucy and I only wish we had more Councillors like you.