Spouse consent form. Simple two-step process.

Spouse consent form SPOUSE’S CONSENT TO TRANSFER TO A VARIABLE BENEFIT ACCOUNT . SPOUSAL CONSENT: The Spousal Consent must be completed, if a married Account Holder currently lives or previously lived in a community property state at any time during the marriage and does not name SPOUSAL CONSENT TO BENEFICIARY DESIGNATION FORM By signing this Spousal Consent to Designated Beneficiary Form, I acknowledge that I am married to the above-named Participant and I understand that, as the Participant’s surviving spouse, I would be entitled to 100% of the Participant’s vested The Spousal Consent form typically seeks the consent of the spouse to the terms of the corporate agreement so that the same terms agreed to by the working spouse bind the spouse with regards to the spouse’s rights and obligations with the business including the disposition of the community property interest in the business. This consent must be completed by the spouse of a member or former member ( "the owner") of a pension plan that is subject to the provisions of The Pension Benefits Act, 1992 (the “Act”), where the Add the Spousal consent form for editing. ca/letter. Similarly, the non-titled spouse will be required to consent to any mortgage transaction. May 17, 2023 at 9:59 pm. CONSENT OF SPOUSE The undersigned, being of legal age and sound mind, hereby represents that: 1. & THE LAND ACT (CAP 113 R: E 2019) SPOUSE CONSENT [Made under Section 59 of Law of Marriage Act & Section 161(3) (a) of The Land Act] Certificate of Title. INSTRUCTIONS FOR THE ATIP CONSENT FORM. Consent I understand that my spouse wants to transfer the value of his/her pension benefit to (indicate plan being purchased): a Life Income Fund (LIF) or a Locked-in Retirement Income Fund (LRIF) and hereby consent to the transfer of the value of the pension benefit to the plan indicated. Form 4 - Direction to Administrator to Exercise Rights This form should be completed and submitted to the administrator of a pension plan where the member requests that funds from the pension plan are to be transferred to a LIRA, LIF, or be used to purchase an annuity or differed annuity. They still retain their usual community property rights in the assets. Hover over the form name with your mouse; Right-click and select “Save link as” to save the form. The Pension Benefits Act, Spousal Consent Form USSPOUSLCNST−−−−−−−−−−−−−−−−−−− Destination: Estates Scan Title: Spousal Consent. For married couples, spousal consent to dispose of or encumber a property is only required in regards to the matrimonial home Consent and Declaration Form New Brunswick Provincial Nominee Program The principal applicant and spouse/common-law partner are each required to submit this form. If you are establishing residency through your spouse, you must also provide the following documentation: Beneficiary form. Consent Order - Spousal Support; Consent Order - Child and Spousal Support; Consent Order Blank – fill out your own situation; In your chosen info pack: fill out the Consent Order form; sign the form with the other party in front of 1 or 2 witnesses (you Your Consent/Declaration Page and your parent's or your spouse's Consent/Declaration Page (if applicable) may be mailed together in a single envelope to speed processing and to save on postage. FORM 2. Alaska is an opt-in community property Form 9 Spousal Consent to Transfer to a LIF or to a Variable Benefit . Karim G . Fill it in and save it. FORM 1 SPOUSE'S CONSENT TO TRANSFER TO A REGISTERED RETIREMENT INCOME FUND CONTRACT This consent must be completed by the spouse of a person ("the owner") who is or was a member or former member of a registered pension plan that is subject to the provisions of . . In providing this consent I understand that: 1. Form 3 Waiver of Joint and Survivor Pension Pension Benefits Act, 1997 (the “Act”) I understand that this waiver may only be revoked with the consent of the member/former member, at any time prior to the date of the Principal beneficiary means the spouse of the member or former member or, where the member or former member has a CONSENT FORM Chema Chema Written Spousal Consent Form 2024 | Page 01 I, the undersigned _____ (FULL NAME) do hereby confirm that: 1. Open the form with Adobe Reader. APPLICANT DETAILS Family name(s) exactly as shown on your passport or travel document . (CRA) consent form. 4 %Çì ¢ 5 0 obj > stream xœí=Ù’ ÉmÁå s Ïá±Ü«WçôJ]Îûxu„à ~“Ì·•Â ²%[±£ ­ ü'þ^#od ªªgšË ¥IF èªÌ,‰ ÈLäß7làbÃÂß üéúì ~o7 ùï³øxóû ÎÀ÷ 9ûû™ dø `øO×› | ý šyûç3 Ÿò Rjpjc¥ ˜Ú¼½>ûöêÞv' å óWŸlù ãòêþ– Nz§ÔÕQ „¢NYc® 6ðx» 7ÖÛ«“ žn „ÚúÃßpcfàZHuuÞÚ . When Is Spousal Consent Required? Spousal Waiver/Consent Form ** Mandatory: Attach the applicable Tax Residency Self-Certification Form. ca Spouse’s Consent and Waiver of Post-Retirement Survivor Benefits Spouse’s Last Name 1. e. L. The spousal consent is usually attached as an exhibit to the end of the agreement, and the documents Spouse's Consent to Survivor Election Instructions: If you are married and you do not elect a reduced annuity to provide a maximum survivor annuity for your current spouse, complete Part 1. Each form has been created in a PDF format which you can download, complete in Adobe Reader and **I also signed execution of spousal consent form. Reply . SPOUSAL CONSENT FORM Use this form if your plan or state requires spousal consent for distributions. I. If this Form is incomplete, the application will be returned as incomplete and will not be processed. The consent form simply allows the company and the receiving spouse to treat all the equity as subject to the agreed-upon terms of the stock agreement or LLC operating agreement. Signature of applicant . Publication type. Revoke CRA Consent (CF2931) (PDF) If you or your spouse revokes consent, you are no longer eligible to receive the Affordable Child Care Benefit. However, if you are the applicant and your spouse is Spousal Consent Form USSPOUSLCNST−−−−−−−−−−−−−−−−−−− Destination: Estates Scan Title: Spousal Consent. Sector: Pensions. with spousal consent (PDF) Designate beneficiaries with spousal consent: Cash distribution (PDF) Request a one-time cash distribution from your 401(a), 401(k), 403(b), or 457(b) governmental employer plan. Personal information about you and the financial benefits paid to you is confidential. SPOUSAL CONSENT. This form must be notarized, stored safely, and presented by the non %PDF-1. Form 2 - Attestation Regarding Spouse/Common-Law Partner Form 2 - Attestation Regarding Spouse/Common-Law Partner. Signature of spouse: Date (yyyy/mm/dd): Signature of witness: Date (yyyy/mm/dd): 4 Sign the certification and consent . ; Completion and Accuracy: Check that the form is fully Spousal consent is only required in certain situations. Guidance number: PE0459ORG_ Guidance name: Spousal Consent Form: Effective date: 1995-12-01 Date deactivated: 2003-03-01: Comments: Expired/Not Applicable - formerly FSCO L050-703 Go to guidance for all sectors SECTION A: MEMBER AND SPOUSE’S INFORMATION (Please print) SECTION B: DETAILS OF THE TRANSFER 110 - 1801 Hamilton Street REGINA, SK S4P 4W3 Phone: 306-787-5442 Fax: 306-787-0244 ee: oll frT 1-877-275-7377 Email: pepp@plannera. : Distribution or Loan requested date: NOTE: Spouse may either take this form to a Notary Public OR sign the form with the Plan Administrator as a witness: I hereby certify that I am the spouse of the above named participant and that I consent to Spouse Where used in relation to another spouse means the person who is married to that other spouse, and “spouses” mean two persons who are married to each other. I, , hereby certify that I am the spouse or common-law partner as defined by the Pension Benefits Standards Act Spousal Consent Form (Required from all loan applicants who are married in community of property) 1) I hereby represent that I am legally married to _____ (Applicant’s full names) and I consent to the loan application/request made to Botswana Savings Bank by the applicant. For instructions and an interactive form you can use to create a customized letter, visit travel. Date of Birth (mm-dd-yy) First name(s) Passport No. A Qualified Joint and Survivor Annuity (QJSA) is the only form of benefit available in this plan unless the participant and spouse, if %PDF-1. Name of financial institution . In this form, the spouse consents to waive their rights to their retirement account, specifically for the alternative beneficiaries listed. FORM 3. To complete the Part-time Application, Spousal Consent and Declaration form and Cheque Replacement Statutory Declaration: Print off the completed form and provide an original, ink signature. TITLE: Spousal Consent Form, O. Up to four people can be To complete your form: Save the PDF form to your computer. Spousal Consent Form USSPOUSLCNST−−−−−−−−−−−−−−−−−−− Destination: Estates Scan Title: Spousal Consent. Spousal Consent Form for use in community property states Due to the important tax consequences of giving up one’s community property interest, individuals signing this section should consult with a tax or legal advisor. If you or your spouse wish to revoke Canada Revenue Agency consent, you will each need to fill out the Revoke Canada Revenue Agency Consent form. Category: Locked-in Accounts. 2 – Consent Form: Spouse : PF-118 : December 2020: Pensions : Form 15. Prior to completing this form, the spouse or common-law partner should consider obtaining FORM 4 - CONSENT TO ONE-TIME TRANSFER OF MANITOBA LOCKED-IN MONEY The Pension Benefits Act, Section 21. This Applicant Consent Form is to be signed by the applicant and, if applicable, their spouse and dependents. Call 1-800-769-2560; Email Us; Visit Us (EN) Spousal Consent to Transfer to an Income Fund. Dear Loan Officer, I, Sarah Johnson, hereby provide my full consent for my spouse, Michael Johnson, to apply for and accept the terms of the home equity loan as discussed with First Bank. Verification of Identity: Ensure the spouse signing the form is properly identified. March 17 2015. 1 APPROVED BY: The Pension Commission of Ontario PUBLISHED: Bulletin 5/4 (Winter 1995) EFFECTIVE DATE: When Published [No longer applicable - replaced by L200-300] Transferring Locked-in Money to a LIF With the Consent of a Spouse FORM 2. Part 2 must be completed in the presence of a Notary Public or other person authorized to administer oaths. Mr. Direct Investing. gc. Locked-in I have a spouse or common-law partner, as defined in section 2 of the Pension Benefits Standards Act, 1985, and my spouse or common-law partner consents to the withdrawal of the This form allows you to name a person (such as your spouse, partner, other family member or friend) to communicate on your behalf with Service Canada regarding your Canada Pension The following table lists FSRA forms searchable by title, number, sector and category. I am the legal spouse of _____. 1 of the Pension Benefits Act (PBA) and using Form 15) to exempt the plan from the application of the PBA, regulations made under the PBA and rules SPOUSAL CONSENT FORM Plan Name: Group#: Participant Last Name: First Name: M. Prior to completing this form, a spouse should consider obtaining independent legal advice concerning individual rights and the effect of consent. 01 SPOUSE'S CONSENT TO TRANSFER TO A VARIABLE BENEFIT ACCOUNT This consent must be completed by the spouse of a member or former member ( "the member") of a pension plan that is subject to the provisions of The Pension Benefits Act, Prepare the necessary documentation: Most retirement plans require written consent from the non-participant spouse. Section 2 - Provide details about whose information is being requested (i. FORM 4 – Consent to One-time Transfer of Manitoba Locked-In Money NOVEMBER 2011 Office of the Superintendent – Pension Commission Pension Benefits Regulation, Division 4 of Part 10 COMMENTS AND INSTRUCTIONS This form must be completed by the spouse or common-law partner of: a member of a pension plan, or a member-owner of a Life Income Applicant Consent. Form 9 • 2021/09. AUTHORIZATION. 2) I further declare that this information is true/accurate. CORPORATION (Attach Corporate Resolution) FORMAL TRUST 2023-24 OSAP Application Update: Spousal nformation Social Insurance Number: uly 19, 2023 4 Required documentation: Print and complete a History of Canadian Residency for Student and Spouse form from the OSAP website. CONSENT OF SPOUSE I am the spouse of , the account holder. Name of applicant . 1 - Pension Benefits Guarantee Fund Assessment Certificate (PBGF) 1241 : May 2012 If you need to optimize Spouse consent form before submitting it, the most effective way to do it is by using our comprehensive yet easy-to-use online editing tools. I hereby consent that my spouse: (tick appropriate statement(s)) Search for and download the forms you need at RBC Direct Investing. This FORM 1 SPOUSE'S CONSENT TO TRANSFER TO A REGISTERED RETIREMENT INCOME FUND CONTRACT This consent must be completed by the spouse of a person ("the owner") who is or was a member or former member of a registered pension plan that is subject to the provisions of . I am the legal spouse of _____. owner named in this form. Topics. Information. A spousal consent is a document signed by the spouse of a member in a limited liability company that has an operating agreement amongst the members or a shareholder in a corporation that has a shareholders agreement amongst the shareholders. This comprehensive PDF editing tool allows you to easily and quickly 5 Signatures. SPOUSAL CONSENT: The Spousal Consent must be completed, if a married Account Holder currently lives or previously lived in a community property state at any time during the marriage and does not name Spousal consent forms are enacted to prevent the spouse from violating the terms of an agreement. family members, spouse, children). Fidelity The non-owning spouse will also sign the spousal consent forms at their lawyer’s office. Spousal Consent Transfer to a LIF or to a variable benefit (form 09) Download: Spouse's consent to transfer to registered retirement income fund contract (form 1) Download: Waiver of 60% Joint survivor pension for pension plan or locked-in retirement account (form 5A) Download: waiver of joint and survivor pension (form 3) Download Form 03 Spouse's Consent to Transfer Locked In Pension Funds Author: Financial Institutions Commission Subject: Form 03 Spouse's Consent to Transfer Locked In Pension Funds Keywords: Form 03 Spouse's Consent to Transfer Locked In Pension Funds Created Date: 20120126163011Z SPOUSE CONSENT FORM. Spousal consent is especially important when an employee chooses to receive his or her pension as a “single-life annuity” This form gives consent of spouse or common-law to unlock small pension balance. Post Author. DR. The Pension Benefits Act, Sample Letters of Spouse Consent. MRS. By collecting a spouse’s signature, the company mitigates the risk that a shareholder’s spouse (or ex-spouse) might interfere with the Spousal Consent. Call us for more information @905-290-7205. I have received a fair For corporations, the Spousal Consent Form is signed by the spouse of the grantee. ¶r`Ì:Ž›ýÃ÷ A: A Spousal Consent Form is needed when a retirement plan participant wishes to name a beneficiary other than their spouse for plan distributions, as federal law requires spousal consent for this purpose. Submitting a properly completed consent form with your request helps to prevent delays. Section 1 - Provide information about the requester. FORM 1 SPOUSE'S CONSENT TO TRANSFER TO A REGISTERED RETIREMENT INCOME FUND CONTRACT . I am married in community of property to _____ (Name of Spouse), which marriage is governed by the laws of Botswana. Click the New Document option above, then drag and drop the document to the upload area, import it from the cloud, or via a link. I certify that I am the spouse of , the member, former member, or . Obtain the appropriate consent forms or templates provided by your retirement plan administrator. Prior to signing this consent form, the spouse should seek the advice of a lawyer and a qualified financial advisor. The chart is in a printable form on page 2 of this bulletin. 01 SPOUSE'S CONSENT TO TRANSFER TO A VARIABLE BENEFIT ACCOUNT This consent must be completed by the spouse of a member or former member ( "the member") of a FAQ For Spousal Consent Forms . Some of these forms may be submitted electronically via My Pension Benefits Access (MyPBA), an online service for participants to complete transactions with PBGC. Search RBC Contact Us. Please provide your signature. Consent of Spouse of Fund Owner: If I am a member or former member of the pension plan from which the locked-in pension assets Spousal Consent Form * Spousal consent should be considered if either the trust or residence of the account owner is located in a community or marital property state. To read information, use the Down Arrow from a form field. This form, once completed, does not consent to the withdrawal nor waive spousal entitlements with respect to any amount that is not withdrawn. The following sample consent letter, provided by Global Affairs Canada, can be modified to meet your specific needs. Skip to main content. If one spouse is able to get a mortgage on the matrimonial home without the other spouse’s consent, the courts will likely set aside the mortgage based on the lender’s failure to obtain the consent of both spouses. Signature of officer of financial institution . 6 %âãÏÓ 123 0 obj > endobj 169 0 obj >/Filter/FlateDecode/ID[23CCF9D24ECC4B41BB6E8881BBD7F50D>]/Index[123 117]/Info 122 0 R/Length 165/Prev 200178/Root 124 survivor annuity form. Form. establish a life income type benefits (“LITB”) account in a pension plan . Forms requiring an original signature. I am assuming that title is held as Tenants-in Purpose of form: To be used by the spouse of a member, former member or retired member of an individual pension plan or designated plan if the spouse wishes to consent to an election by the employer of the plan (under section 101. Incomplete form will result in delay or rejection of application. DOWER ACT (Sections 4 and 6) CONSENT OF SPOUSE . Return the completed form to your Employer. Q: What does the Spousal Consent If a person who has a spouse or common-law partner, wishes to unlock funds under financial hardship, one-time 50% or small account balance unlocking, then the spouse or common-law partner must sign Form 2: Attestation Regarding Spouse/Common-Law Partner that attests that they consent to the unlocking (see also questions 2 and 11 regarding this form). : Distribution or Loan requested date: NOTE: Spouse may either take this form to a Notary Public OR sign the form with the Plan Administrator as a witness: I hereby certify that I am the spouse of the above named participant and that I consent to A sample form for a spouse to waive his or her beneficiary rights under a 401k plan. Note that when spousal consent is required, the requirements also apply to spouses in samesex marriages. Plan Name: _____ Employee Name:_____ Author: m-heisler Created Date: 5/22/2019 11:19:29 AM Form 15. I couldn’t find anything similar to my scenario on google. I, (print or type full name of spouse) certify that I am the spouse (within the meaning of clause 2(1)(ff) of . I understand that my consent is irrevocable unless my spouse revokes the waiver election. To be able to fill in and save a PDF form (Fillable/saveable version), download and then open the form using the free Adobe Reader. SPOUSAL CONSENT: The Spousal Consent must be completed, if a married Account Holder currently lives or previously lived in a community property state at any time during the marriage and does not name If a retirement plan requires spousal consent, the spouse must agree to the chosen form of benefit. You can give this consent by completing and signing Section 1 of the attached form. Likewise, if the consent is not obtained, the lender’s security will be subject to the non-titled spouse’s interest. (Spousal Consent Required) Limited circulation* By mail, MyPBA: 701: Payee It is important to note that the spousal consent form doesn’t affect the ownership rights of the second spouse. 3. Simple two-step process. I am aware that the administrator of a pension plan or of a LIRA may not comply with a request to transfer locked-in money to a LIF unless the written consent of the spouse is obtained. 4. 2430065 07/22 : Title: Spousal consent to transfer to a LIF Ontario TO A LIFE INCOME FUND (LIF) – ONTARIO Author: Mackenzie Investments Subject: Use this form to transfer registered investments. Firstly, we need to determine the spousal status of the person who is buying, selling or refinancing a prop-erty. No. The exceptions to the rule regarding Additional spousal forms may be required Hide Designation of Beneficiary - Pre-Retirement Designation of Beneficiary - Variable Benefits Nova Scotia Spousal Consent to Transfer to a LIF or to a Variable Benefit (Form 9) Ontario forms ON forms Hide Ontario Application to Withdraw or Transfer up to 50% of Amount Transferred to a Variable SPOUSAL CONSENT FORM Plan Name: Group#: Participant Last Name: First Name: M. 117-228), every state must recognize as valid samesex marriages - from other states. transfer benefits from a pension plan or locked-in retirement account to a life income fund, or . There are nine community property states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. This Form is required to be uploaded as part of the Ontario Immigrant Nominee Program (“OINP”) application. I also Spousal Consent Form Interactive Brokers requires a notarized copy of this Spousal Consent form before we activate your account. Participant Name: Plan Name: Contract Number: Phone Number: Explanation of Joint and Survivor Annuity. Under - provisions of the Respect for Marriage Act (Pub. Make any adjustments needed: add text and pictures to your Spousal consent form, highlight information that matters, remove sections of content and replace Form Number: on00596: Title: Ontario Immigrant Nominee Program. Signed at on , 20. 3. Have your spouse complete Part 2. This document contains both information and form fields. Here are 20 sample letters of spousal consent to cover a variety of scenarios: Letter of Consent for Loan Application. Whereas, if you were married, but treated the property as your investment, your spouse would not have to consent to you selling or refinancing the property, as they would not have any matrimonial property right claims to the house. HEN TO USE THIS FORM. To whom it may concern, I / We,, full name(s) of parent(s) / person(s) / organization giving consent If you wish to assign anyone other than your spouse as the primary beneficiary, you will be required to provide a Spousal Consent Form. The Spousal Consent Form Spousal Consent Form. 694-DLR IB Spousal Consent Form – 6/6/2011 Spousal Consent Form Interactive Brokers requires a notarized copy of this Spousal Consent form before we activate your account. What is the spousal consent requirement? Spousal consent is a legal requirement that mandates a married individual to obtain their spouse's written agreement for certain decisions, Spousal Consent Form. ; Confirmation of Willingness: Confirm that the spouse is signing the form willingly and without coercion. PBGC may ask workers and retirees to provide additional required information, as appropriate. 2. 1 (Subsection 18(3. Reg. Status: Inactive. 909, Schedule 1, paragraph 1, s. I am aware that there is no requirement under the Pension Benefits Act and Regulation for a spouse to provide such written consent. Applicant Consent: Description: This form is to be completed by applicants (and, if applicable, their spouse and dependents) who are making an application to Form 08 - Spousal Waiver (Death Benefit) (PDF) Form 09 - Spousal Consent Transfer to a LIF or to a Variable Benefit (PDF) Form 10 - Application for Temporary Income from a LIF (PDF) Form 11 - 2024 Withdrawal from LIRA or LIF (Life Expectancy, Non residency, Small amount at age 65 and Excess Amount transferred) (PDF) FORM A . Brian Madigan. 40945 (12/2022) ® / ™ Trademark(s) of Royal Bank of Canada. I understand that I must make a similar consent to any change in the form of benefit election, or my waiver no longer is effective, unless my spouse elects to receive the qualified joint and survivor annuity. do hereby give my consent to the disposition of our homestead, made in this (or the annexed) instrument, and I have executed this document for the purpose of giving up my life estate and other dower rights in the property given to me by Handling spousal consent forms involves several key steps: Steps Involved in Notarizing a Spousal Consent Form. Form 3 is used when a member of a pension plan who has a spouse wishes to . Under the Act, “spouse” means: (a) a person who is married to a member; or (b) if a member is not married, a person with whom the member is cohabiting as spouses at the an untitled spouse must consent to the transaction. For the purpose of verifying the data provided in this application for student assistance, I Your spouse, who is not on title, must provide consent to either one of those two transactions. Spousal Consent: If you are married, your plan requires that you designate your spouse as primary beneficiary for 100% of your your spouse must sign the Spousal Consent portion of this form in the presence of a notary public or a representative of the plan. MISS MS. ANNUITANT/PLANHOLDER INFORMATION LANGUAGE PREFERENCE: ENGLISH FRENCH MR. Canada Revenue Agency Consent Form. It must be sent to the Home Office with the applicant’s documents. A client who is currently single, -law partner or a former common-law partner does not require spousal consent. The spousal consent would usually apply to the sale of the matrimonial home only and not to any other investment properties that the seller and non owning spouse owns. 3 – Consent Form: Other Person : PF-119 : December 2020: Pensions : Form 2 - Annual Information Return (AIR) PF-141 : January 2024: Pensions : Form 2. I have reviewed the Beneficiary Designation Form completed by my spouse. Mussa. 1, Pension Benefits Regulation, Division 11 of Form 2 — Spouse’s Waiver of 60% Lifetime Survivor Benefit: Download: Form 3 — Spouse’s Consent to Transfer to a LIF: Download: Form 4 — Spouse’s Waiver of Beneficiary Right To Benefits In A Pension Plan, Locked-In Retirement By signing this form, the spouse is waiving their rights to the above entitlements with regards to the funds that are withdrawn from the contract, as indicated on the Application. FORM 8 - CONSENT TO WITHDRAWAL OR TRANSFER AT OR AFTER AGE 65 OF MANITOBA LOCKED-IN MONEY The Pension Benefits Act, Section 21. I, being married to the above named . Thank you. Change your file. An example would be transferring stock shares, real estate lending or beneficiary designation on retirement accounts. 1)) Spouse’s or Common-Law Partner’s Consent for the Transfer of a Pension Benefit Credit. 1, Pension Benefits Regulation, Division 11 of Part 10. Declaration for spouses, civil partners, proposed civil partners, fiancé(e)s, and unmarried partners Applicant’s name: Partner’s name: This declaration must be signed by the applicant’s partner and not by a representative or other person acting on their behalf. We need your signed consent if you want Service Canada to communicate with another person (such as your spouse, partner or accountant) for CPP/OAS/ FB program benefit matters. ynomks vughl gyl ncwytwaon fzuhbk jufoke ttkqd zzhmg djmt kktk