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Required Locked-In Accounts Withdrawal/Unlocking Forms

Learn the forms required to withdraw/unlock funds from a locked-in accounts

Withdrawing or unlocking funds from a Locked-In Accounts (e.g. LIRA) in Canada is subject to specific rules and conditions that vary by province or territory. LIRAs are designed to hold pension funds transferred from a registered pension plan (RPP), and access to these funds is generally restricted until retirement age. However, under certain circumstances—such as financial hardship, small balance unlocking, shortened life expectancy, or non-residency—early withdrawals may be permitted.

Each jurisdiction has its own legislation governing pension plans and corresponding unlocking criteria. To complete a withdrawal, the account holder (and in some cases their spouse or common-law partner) must submit the appropriate government-approved forms along with any required documentation to their financial institution or plan administrator.

Ontario

Financial Hardship

Saskatchewan

Financial Hardship

Alberta

Financial Hardship