HOW MUCH COULD YOU LOSE?
Here is a step-by-step guide to finding out how much your benefits might be cut:
login in at www.afm-epf.org
Grab your Pension ID number from one of those annual AMF-EPF reports that comes in the mail. If you can't find it, call AFM-EPF customer service at (800) 833-8065 and ask for it. You must be logged in to continue, so "register" if this is your first time to the site.
Scroll down and click Pension Estimator.
Scroll through the multiple disclaimer pages.
Click Calculate Benefit.
The Benefit Options box will tell you how much your monthly benefit will be. Make a note of the "vested year", which is at the top of the page.
Take that number to Pension Rights Cutback Calculator.
Enter your monthly benefit and the number of years you have been vested. Be alarmed.