Municipal Pension Retirees’ Association“With age, wisdom and power”

ADVISORTheSummer 2016

Myexperienceatthe2016BiennialReportingMeeting.ByGordHartneyThe MPRA Biennial Reporting Meeting was held at the Coast Inn of the North, Prince George, for the very first time on May 3, 2016. There was an impressive attendance of 92 members, with some new sign-ups that day. Kudos go out to the efficient assistance from registration volunteers: Sandy Dreger & Louise Kerr, for their patience and welcoming spirit with such a turnout. Steven Polak opened the meeting with a summary of the history of the MPRA; our Federal and Provincial Advocacy issues, such as Canada Pension Death Benefit, Universal Drug Program, Shingles Vaccine and Elimination of MSP Premiums; and the primary goal of the MPRA to increase membership to 20,000 by the year 2020. Mary Polak reviewed the December 31, 2015 Financial Statement as prepaired from our accountant, Terry Craig and answered several questions from the members. It was announced at this time that the MPRA was again in receipt of a donation of $5,000.00 from the HEU, for a total of $20,000 over the past 4 years! Thank you HEU. Harlan Enns, Senior Client Services Consultant of bcIMC spoke of the Municipal Pension Plan

thbeing the 6 largest in Canada with assets totalling $42.7 billion dollars as of December 31, 2015 and the average rate of return for the past year at 7.3%. He also talked about the investment

philosophy and the importance of Diversification in sections such as Fixed Income, Public Equity, Real Estate, Private Equity, Infrastructure and why these issues are important to the success of the plan. Ken Kerr, Regional VP for the Northern Region introduced the Prince George District Executive: Chairperson – Karen McKenzie; Co-Chair: Albert Taylor; Secretary: Bernice Lukowich and Treasurer: Dot Papp. Ken also reported on how he and several MPRA executive had travelled to Dawson Creek to

ndorganize a new district on May 2 and after this meeting on May 5 to Terrace for the same. President Polak then handed the podium over to the Group Health Benefits Committee: Mary Polak, Terry Erskine, Janice Broadhurst and Sandy Dreger. Mary reported how the committee had been called by the MPP Board of Trustees to a meeting in Victoria on April 19, 2016. It was at this meeting that the MPRA was advised of the changes to the Dental Plan and Drug Formulary. Terry gave some details of t h e m e et i n g a n d ex p re s s e d t h e committee's shock and disappointment that the MPRA had not been consulted before the changes were made. Sandy Dreger spoke to the lack of consultation with the MPRA which impacted our exe c u t i ve i n t h at t h e re wa s n o opportunity to “brainstorm” for possible

Inside This IssueProvincial Executive..........................2MPRA Rally Pictures............................2MPRA Rally........................................3Treasurer’s Report................................3Districts 29 & 33...............................4MSP Premiums.....................................4Presidents Message............................5Membership Cup.............................5Distr ict Activit ies. . . . . . . . . . . . . . . . . . . .5Group Health Benefits Changes............6Northern Tale......................................7Travel Insurance Within Canada............7Rewards Update..................................8

Cont’d on page 2

solutions to the benefit issue. The committee advised that there will be a letter of objection to the changes going to the Board and requesting further information as to how they came to this decision.President Polak officially adjourned the Biennial Reporting Meeting. After a short break Terry Erskine introduced the invited guests from the Board of Trustees: Frank Leonard: Chair, Debra Ducharme: Trustee

The ADVISORPage 2 Summer 2016

Provincial Executive

2015 - 2017

President

Steven Polak

1st Vice-President

Terry Erskine

2nd Vice-President

Ed Pakos

1st Vice-President-at-Large

Brian McConville

2nd Vice-President–at-Large

Barbara Sinclair

Provincial Secretary

Janice Broadhurst

Provincial Treasurer

Mary Polak

Vice-President Communications

Gordon Hartney

Regional Vice-Presidents

Vice-President Vancouver Island

Sandy Dreger

Vice-President Lower Mainland

Bob Chapman

Vice-President Fraser Valley

Ron Scott

Vice-President

Thompson/Okanagan

Henry Tomm

Vice-President Kootenays/

Out of Province

Joyce Winter

Vice-President

Cariboo/Northern BC

Ken Kerr

2 Vice-Presidents at Large

Lower Mainland/Fraser Valley

Wally Gollub

John McQuade

Gay BurdisonWally GollubCliff Ivers

Mary PolakSteven PolakKeith Wilson

Founding Members

Cont’d on page 3

MPRARally

and Chair of the MBPT Board of Trustees Group Benefits Committee, and Judy Payne: MPP Executive Director. Mr. Leonard gave a slide presentation covering the health of the investments, membership numbers, governance and advocacy highlights. He then moved on to what everyone in the room was waiting to hear explained: the changes to the Group Health Benefits. He noted that if current spending continued, the available funding would be exceeded by 2019. He also told us that all avenues had been explored; including suggestions for increased premiums, reduction in subsidies etc but the decision after 2 years of review was that changes to the Dental and Extended Health had to occur. A direct mailing to all members would be occurring in the coming weeks of the changes and that Pacific Blue Cross will contact members about dental plans and the drug formulary changes. Numerous members went to the microphone to ask questions of the Trustees with many complaining of the lack of communication with the MPRA and retirees prior to the decision, with some suggesting waiting another year, to allow consultation but there seemed no positive indication of any change to the decision already made by the Board. In the end many members left feeling frustrated, disappointed and betrayed.

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The ADVISOR Page 3Summer 2016

cont’d from page 2

Tuesday June 28, 2016 the rally began on a bright sunny day in Victoria. Our members were waiting for us when Janice and I arrived at 6:45 AM. Two cars parked on either side of us each had a member. The gentleman got out of his car and commented on the beautiful day. What a good beginning!Before long we had members signing the sign in sheet and picking an information placard to wear. Our members continued to walk and gather on the streets around the Delta Ocean Pointe where the Trustees were meeting. The hotel was asked to call the city police who came and spoke with us, spoke with the hotel manager and then came back to us to say just carry on. Our numbers increased substantially after the first ferry brought another large group of our members. These folks were up at 4 AM, arrived at the ferry for 6 AM to be sure to be on the 7AM ferry. We spoke about the fact that the Trustees were inside the hotel at their last Trustees' meeting before November 2016. This was the reason that we asked people to come and to show the Trustees that retirees are not happy with their decision. The Trustees did not speak with us nor did they show any interest in us. We believe however, that they were surprised. The MPRA membership owes a debt of gratitude to all of our members who made the effort and came to the rally. It was a success and it did make a difference. We showed the Trustees that we are not just going to accept without an attempt to stop this attack on Municipal Pension Retirees.

During the rally there were two reports made. Terry Erskine and Mary Polak spoke to the meeting of April 19, 2016 with the MPRA Group Health Benefits committee and the Chair, Frank Leonard, Vice Chair, Gary Yee, the Chair of the Group Health Benefits Committee, Debra Ducharme and Judy Payne, Executive Director for the B o a r d o f Tr u s t e e s . We w e r e s o disappointed with the Trustees who seem to disregard us as retirees, made the decision without any consultation, discussion, suggestions or alternatives as was promised in 2006 after the last major change to our benefits. The meeting began with a statement saying that the funds for Group Health Benefits had run o u t . We sto p p e d t h e d i s c u s s i o n immediately and said “that is not true.” The statement was repeated and the response from the Trustees was, “well we don't want to get there.” The Trustees made no comment because they are not held accountable to us for their actions.

MPRARally

The rally was a success. Now we must make an effort to have twice the number of retirees out to the Board of Trustees AGM

Annual General MeetingAnvil Centre 777 Columbia StNew Westminster BC V3M 1B6

Date: October 13, 2016Time: 10:00 AM to 12:00 PM

MarkyourCalendar

S o m e M P R A m e m b e r s h a v e unsubscribed at the end of an email from the MPRA office. This will stop you from receiving any emails in the future. During the recent communication and the news of the rally some members did not understand why the information was not coming to them. It may be that a member unsubscribed to emails without knowing. If this has happened please contact the MPRA office and we can help you.

EmailsfromtheMPRAoffice

The annual dues for 2016 should now be paid by all our members. If you think that you may owe for your annual dues would you contact the office so we can speak with you and confirm the status of your dues. This will assist us in mailing costs to rebill.

AnnualDues

In order for the motion that was passed by the Trustees in March 2016 to be reconsidered, a Trustee must put forward a motion to reconsider who had previously voted in favour of the motion. Then we would hope that some more trustees would vote to reconsider. The more pressure that we put on the Trustees by sending our letters, the more possibility of a reconsideration. The Provincial Government and the Union of BC Municipalities have the strongest power to pass a motion for reconsideration. If the unions would unite we would have a chance as well. We know this takes time to write and send the letters. But the letters are having an effect. Please continue to send letters.

Whydoweneedtosendletters?

FromtheTreasurer’sDesk

The MPRA uses the email address for notifications to our members. It is the most effective way to communicate quickly. Any change of information i.e.

address, phone or cell phone please notify the office.

Mary Polak

ADVISORThePage 4 Summer 2016

NorthEastExecutiveDistrict33L to R: Sue-Anne Drschiwiski, Warden, Faye Salisbury, Secretary,

stGrace Fika, 1 Vice-Chairperson, Bill Lindsay, Chairperson, ndTom Gannon, Treasurer and Roxanne Chmelyk ,2 Vice-Chairperson

WelcometoNewDistricts29&33

NorthWestExecutiveDistrict29Mary Ann Shannon, Chair, Cleo Carlos, 1st Chair Teresa Kaluga, 2nd Chair, Ken Kerr, Patricia Hellfors, Secretary, Sandra Bouchard, Warden, Milli Bomben, Treasurer

Mile Zero on the Alaska HwyL to R Ed Pakos, Louise Kerr, Ken Kerr,

Mary Polak, Steven Polak, Janice Broadhurst and Lisa Hansen

As I am sure you are aware, the MPRA has been waging a campaign over the past several years, requesting that the Provincial Government eliminate the M S P Premiums for Seniors , and hopefully at some point for all residents of British Columbia.On January 1, 2016, the Office of the Seniors' Advocate released a statement reminding Low Income Seniors to check if they are eligible for full or partial

SENIORSMSPPREMIUMSpayment of their MSP Premiums.The Regular Premium Assistance Program has 5 levels of subsidies for individuals and families earning less than $30,000, with those earning under $22,000 paying no premiums at all. A one time application must be filled out and subsequent years are based on the recipient's income tax returns. Regular Premium Assistance may also be provided retroactively for up to six years

from the date of the application.If you are concerned abut whether or not you are eligible for Regular or Temporary A s s i s t a n c e p l e a s e v i s i t : http//www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/premiums or call: 1-800-663-7100. Also, if you are concerned with any issue affecting yourself or seniors in BC, please call toll free 1-877-952-3181.

On May 5, 2016 the Directors including Terry Erskine traveled to Terrace. We met at the Canadian Legion and we were pleased to meet members from Terrace, Kitimat, Prince Rupert and Smithers. Again the focus of the meeting was on the changes to our Group Health Benefits. Terry Erskine and Mary Polak spoke to the April 19 meeting and the manner that the information was presented to us. We spoke about our letter campaign and our efforts to hopefully delay the plans. We b e l i e ve t h at t h e m e m b e rs we re interested in the MPRA and pleased that we had come to meet them. Again we were successful in electing a full District Executive for the District known as the North West District #29.

The MPRA planned to meet our members in the North East and North West of the province. On May 2 Directors Steven and Mary Polak, Janice Broadhurst, Ed Pakos, Ken Kerr and Lisa Hansen (from Johnson) hosted the first meeting for members in D a w s o n C r e e k a n d s u r r o u n d i n g communities at the Performing Arts Centre. At first we did an introduction of the Directors and then each member told us a little about themselves. Steven Polak presented some history of the MPRA, Mary spoke about the Provincial Office, the interaction with the districts and our website. Ken Kerr as the Regional Vice President spoke about his ideas for the districts and offered his assistance to the members of the district. The members had an opportunity to ask questions especially about the changes to the G r o u p H e a l t h Benefits. A group of s i x m e m b e r s agreed to be the District executive and later each of the positions were filled.

PHOTO GALLERYA new link has been added on our website called the Photo Gallery under the Links tab. Future photos of events and members will be added for your enjoyment.

The ADVISORSummer 2016 Page 5

The month of May was very busy for the MPRA. We had planned to see our members in two cities, Dawson Creek and Terrace. We as the MPRA Group traveled to Prince George. The MPRA Group was Steven Polak, President; Mary Polak, Provincial Treasurer; Janice Broadhurst,

stProvincial Secretary; Terry Erskine, 1 Vice ndPresident; Ed Pakos 2 Vice President,

and Ken Kerr Regional Vice President for the Northern Region and his wife Louise. We also had Lisa Hansen from Johnson attend the meetings.On May 2, 2016 we had our first meeting for the North East District #33. The meeting was held in Dawson Creek and we had members from Hudson Hope, Chetwyn, Pouce Coupe, Tumber Ridge and Fort St. John. We were p leased to meet many members. It was an opportunity to meet

It was a beautiful lunch, soup, salads, c o l d m e a t s , sandwiches, desserts and pies, one of the best of our trip. The changes to the G H B has aroused interest from many retirees who are now joining as members. New applications are coming from all the Districts but in particular District #33 and District #29. Good Job!We were sorry to see the devastation in the areas of Dawson Creek, Chetwynd and areas caused by the torrential rains. The entire MPRA is thinking of all affected in these communities and surrounding areas and wish you all the best in the coming weeks while recovering from the damage.

PRESIDENT’S MESSAGE

Steven PolakPresident

DistrictActivities

December Christmas Appie Potluck Meeting. Fred MacLeod (a veteran Piper) surprised us by bringing his small "gooseneck" to play us some Christmas Carols. As usual, we all enjoyed the social and appies after our meeting. Susan McCallum, Chairperson, District 26-Powell River

Addie Derby (sitting) has always b e e n a l o ya l a n d s t ro n g supporter of the MPRA. From her first position as the Regional Director-Lower Mainland to the Director of Communication A d d i e wa s t h e l e a d e r i n recruit ing new members, writing letters organizing districts such as Tri Cities, Ridge Meadows and Sunshine Coast.The VMRRA have a Christmas party each year. On behalf of the MPRA Steven and I attended the party and gave recognition to Addie for all her work and support to the MPRA. We presented her with a bracelet. Thank you Addie, take care and we wish you well.

each other and answer their questions. At the end there is a full district executive and a determined interest in getting more members. Welcome and Thank you to our members in District #33.Then on May 5 we held a district meeting in Terrace for our members from Terrace, Kitimat, Prince Rupert, Smithers and Hazelton. The meeting was held at the Canadian Legion. Again we met a nice group of our members. They were very interested in the MPRA and the news of our Group Health Benefits was the main topic of discussion and questions. We have a full district executive for the North West District #29 Welcome and Thank you to our members in District #29Lunch was prepared by the Ladies Auxiliary for the Canadian Legion.

MembershipCup

Steven Polak presents Jean Callahan with the Membership Cup

District #09 Kamloops was the winner of the Addie Derby Membership Cup for 2015 for most new members. The District has a new member committee who take the names provided by members. A member of the committee will phone in a few weeks to follow up on the application that had been sent. A friendly phone call is sometimes all it takes to have that person complete the application and join. At their last meeting in June there were over 170 members at their last meeting. Way to Go Kamloops!

L to R: Raymonde Edney, Maureen McLellan, Paul Moritz,

Susan Pendakur, Mary Lee Massey

District 36 Vancouver Executive Meeting

The ADVISORPage 6 Summer 2016

Since April 19, 2016 when we were informed of the changes, we have tried and will continue to try to find persons from unions or representatives from the Provincial Government or the Union of BC Municipalities to ask for this resolution to be reconsidered to allow time for consultation. In 2006 when the significant changes were made to our Group Health Benefits, we had consultation and we were able to review the financial information. This time there has been no consultation, no interest in anything that retirees would suggest as an alternative. The decision was made and that was that. In the afternoon of April 19, 2016 we were asked to meet with the Municipal Employees Pension Committee. This committee is the Plan Member Partner. The committee is persons who represent unions that are contributors to the Municipal Pension Plan. We, the MPRA have asked on numerous occasions to have a seat at these meetings. We have been told “the MEPC represents retirees so there is no need for you to be at our meetings.” When we arrived to attend the meeting of the MEPC on April 19, 2016 the representatives of the MEPC were five trustees and one member was not. How can we have an impartial hearing with the MEPC when the same persons who made the decision show up. In our opinion this is very wrong. It appears that the Trustees believe that they know what is best for us. In the meeting there was no empathy, no understanding of our position, no hearing of what we were saying and certainly no remorse for what they had done. We believe there is a lack of accountability and transparency.At the end of each calendar year the MPRA receives financial information on Group Health Benefits which shows that only 53% of the 1% of the Employers Contribution destined for the Inflation Adjustment Account was used in 2015. At the meeting we tried to speak to the hardships this will be for many retirees. We spoke to the fact that retirees will not be able to pay for dental coverage therefore their overall health will be in jeopardy. The retiree will be required to pay more for their prescriptions at the expense of good food.

GroupHealthBenefitsChangesMost retirees do not have the ability to earn additional income. Our age, our health and other issues prevent us from finding employment. The majority of us have small pensions and limited overall income. The MPRA believes that we speak for all Municipal Pension retirees. There is not another organization that is the voice for all retirees of the Municipal Pension Plan. Dental Coverage The need to find another sum of money to pay for dental coverage is unrealistic for many retirees. Then there will still be 30% to be paid as well when you visit the dentist. Check with your dentist for your coverage prior to treatment. The decision to have dental coverage is a personal choice but our overall health begins with good dental care.Prescriptions January 2017 prescription drugs will change. There is $100.00 deductible for each person at the beginning of each year. Before any prescription is filled please ask “Is this drug covered by my Extended Health Coverage under Pacific Blue Cross?” Do not believe that it has been covered in the past so it will be covered in January. In addition you will be required to pay 30% of the cost.

Below is an excerpt from a recent news release from Isobel Mackenzie, the Seniors Advocate. Full report

https://www.seniorsadvocatebc.ca/reports

Victoria –BC's Seniors Advocate, Isobel Mackenzie, is expressing concerns about the declining income of seniors, which is particularly acute in BC relative to other parts of the country, according to Statistics Canada's latest income survey released last week. “The most recent income data from Statistics Canada has some really good news for BC two-parent families. Their median income has increased 9.7% and far outpaces the national average. However, for seniors in BC, the story is the complete opposite,” stated Mackenzie. Since 2013, BC senior families saw their annual median income fall 5.7% and for a BC single senior, the decline is even steeper, with a 6.3% drop since 2013. This compares to the national averages, which show a 1.9% increase for senior families and a 2.3% increase for single seniors. BC's single, working-age individuals, by comparison, saw a 4.7% increase and working-age couples in BC with children saw a 9.7% increase in their income. This exceeds the national averages, which saw a decrease of 2.0% and an increase of 4.5%, respectively. Nationally, the percentage of Canadians aged 65 and over living on low incomes rose to 12.5%. In particular, 30% of single, elderly w o m e n a r e c o n s i d e r e d l o w income—triple the level of two decades ago.

54,852 retirees have pensions under $1499.00 a month. That totals 66.10%. Some Statistics (Information provided by the Municipal Pension Plan)18,557 retirees have pensions between $0.00 to $499.99 22.4%21,770 retirees have pensions between $500. to $999.99 26.2%14,525 retirees have pensions between $1000. to $1499.00 17.5% 8,723 retirees have pensions between $1500. to $1999.99 10.5%5,773 retirees have pensions between $2000. to $2499.99 7.00%3,963 retirees have pensions between $2500. to $2999.99 4.8%2,696 retirees have pensions between $3000. to $3499.99 3.2%6,940 retirees have pensions between $3500 and over 8.4%82,947 Total retirees as December 2015

If you are a widow, widower, and/or a beneficiary in receipt of a MPP pension you should check your first statement to see how much income tax is being deducted. The Pension Corporation uses a CRA formulary to determine a minimum tax deduction, based solely on this pension income. If you have other income, this may or may not be enough tax deducted. Talk to a tax advisor or your financial facility for advice and then contact the MPP if you wish any changes.

AreyouabeneficiaryofaMPPpension?

The ADVISOR Page 7Summer 2016

Pets Plus UsPhone number 1 800 364 8422www.petsplusus.com

The dental plan from Johnson is called Thrive. It has been sent to those who have email. We have mailed information to all members who do not have email. The MPRA is aware that Johnson's Dental Plan (MPRA) costs a little more than Pacific Blue Cross. The MPRA dental plan is the closest to your present dental coverage under PBC.Essential plan is basic unlimited, and minor restoration $800.00/year70% coveredEnhanced plan is basic unlimited, and minor restoration $800/year 80% covered Major restoration 50% coverage $800 crowns/post/inlays/onlays $800 implants/bridges/dentures

JohnsonDentalCoverage

I'd like to tell you a bit of a “funny” tale that happened one day when we were getting ready to travel to Terrace. I was

st nd with our 1 and 2 Vice Presidents, Terry Erskine and Ed Pakos who were travelling with me and helping with driving. Starting in Prince George, we stopped to get gas, all got out of the car – I starting pumping gas, and the two firefighters each cleaned off the front window as I had instructed. They worked very hard at ensuring that the driver (Ed offered to drive) could see out of the front window, as I guess my previous cleaning skills were a bit lacking. About one hour from Terrace, it started to sprinkle with rain and Ed turned on the wipers. A loud snap was heard, with the driver's side wiper flying through the air and down the road behind us. Ed stopped to turn around to pick up the wiper (I just wanted to keep driving and buy a new one in Terrace) but Ed insisted on retrieving it, and I was outvoted by my “thrifty firefighter pals”, so off we go back to find it. Sure enough, not far back we sighted the wiper, stopped the car, picked up the blade and tried to do repairs. Ed said we needed a new piece to put the wiper back together so I suggested stopping in Terrace at the Ford dealership – we all agreed. Not long before we reached Terrace it began to rain (rather hard) and we couldn't turn the wipers on as the broken one would scratch the window. We were following a large truck and I knew I sure couldn't see anything, Ed was having difficulty as well, but I didn't want to say anything and disturb his concentration. Finally I had to say: “I can't see anything” and Ed looked over and said he couldn't either. It finally stopped raining just before we got to Terrace. We found the Ford dealership where a serviceman replaced the wiper. Before we left he wanted us to try the wipers first. Ed turned them on, and the wiper blade flew off again. The wipers needed to placed in the proper position (driver's side over passenger side) and we hadn't done that.Just one of the many laughs we had in our travels, and just want to thank everyone we met for your hospitality and to say what spectacular scenery we travelled through. THANK YOU!!Two firefighters and a union rep.

NORTHERNTALEbyJaniceBroadhurst

TRAVELINSURANCEWITHINCANADA

I recently came across an article in a BC publication (Westworld) which I felt contained some pertinent information for those who travel to other Canadian Provinces. Our Provincial Health Care Plan has limits, even if we just travel within Canada, and if something happens we could be responsible for expenses we weren't aware of. While our BC Medical Services Plan has reciprocal agreements with most Provinces, services such as ambulance rides, medical equipment rentals and ER fees usually are not included in those agreements. An example of added cost is an ambulance ride outside the Province of BC can be anywhere from $375 to $793 depending what city and province you are in.Hopefully your future travels will be “emergency free”, but just thought this information would be helpful if you haven't been purchasing extra travel insurance because you thought all costs were covered while travelling in Canada.HAPPY TRAVELS!!

At t h e c l o s e o f t h e C U P E 3 5 0 0 (Kamloops-Thompson School Support Staff) Retirement Seminar held in Kamloops a special presentation was made.

thOn Friday May 27 District 09 Chair Jeanne Callahan accompanied by Vice Chair Bryan Murphy and Regional Vice Pres ident Henry Tomm made an introduction and presentation of the MPRA to 20 soon to be retired CUPE 3500 members . The 20 minute presentation was well received including a variety of questions being asked and answers given.Our hope and goal is that this new connection with CUPE 3500 will foster and yield long lasting new relationships with CUPE retired members. We have also been invited to the next CUPE 3500 regular meeting to do a presentation reaching even more CUPE members explaining our mission and encouraging them to join our association upon retirement. MPRA supporter and CUPE Ret irement Representat ive Larry Bancroft stated that he would like to attend the District 09 June meeting as a guest and has every intention to become a member of the MPRA on his retirement in the not too distant future.

CUPE-District9

The ADVISOR

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Page 8 Summer 2016

REWARDS PROGRAM UPDATE

The M P R A is p l e a s e d t o announce that we have partnered with Collette Travel, a worldwide travel service for close to 100 years and 25 years in Canada offering discounts and bonus features on their coach and river cruises. To access Collette Travel you can go to our MPRA website at , click on www.mpra.cathe links tab and you will find the link to Collette Travel in our rewards category. You can phone toll free at 1-866-246-8687 to speak with a consultant or you can book a vacation with your own travel consultant but mention that you are an MPRA member to receive discounts and benefits on certain tour packages. As an example of service, if you book an all air-inclusive tour they will send a car to pick you up at your home and take you to the airport (within a 100 km radius of an airport) and when you return they will have a car waiting for you to take you home. If interested, you can have their colour catalogue sent to you by mail so you can take your time and look at all the tours they offer. If you do go to the web site scroll down to find “Click here to see full member benefits flyer”

You can now shop at any NAPA Auto Parts corporate store in British Columbia. You can find a NAPA Store by using the link on the MPRA website in the links tab. Our account is listed as MPRA. Discounts are available based on regular priced merchandise only.

Cloverdale Paint offers our members 25% discount on regular paint products and wallpaper. 15% on regularly price tools and supplies. Reminder to say you are with the Municipal Pension Retirees' Association.

Lordco Auto Supply offers discounts off their regular retail price only.

Reel-Fin-aticFishingChartersFor informat ion and rates go to www.fin-atic.com or call Todd Sweet at1-604-376-9011 or E: tsweet@fin-atic.com