{"id":12226,"date":"2023-05-11T08:29:13","date_gmt":"2023-05-11T12:29:13","guid":{"rendered":"https:\/\/www.eckler.ca\/?p=12226"},"modified":"2024-08-23T13:03:33","modified_gmt":"2024-08-23T17:03:33","slug":"les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees","status":"publish","type":"post","link":"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/","title":{"rendered":"Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es"},"content":{"rendered":"

[vc_row][vc_column][basic_container container_size=”container container-narrow”][\/basic_container][basic_container][vc_column_text]Mai – 2023[\/vc_column_text][vc_column_text]L\u2019utilisation de la communication \u00e9lectronique s\u2019est accrue dans le monde entier et dans de nombreux secteurs d\u2019activit\u00e9 au cours de la derni\u00e8re d\u00e9cennie. Encourag\u00e9s par les d\u00e9fis que pose la communication traditionnelle sur papier dans notre nouvel environnement de travail \u00e0 domicile, les administrateurs de r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es adoptent plus que jamais la communication \u00e9lectronique pour les participants actifs et retrait\u00e9s. Les organismes de r\u00e9glementation ont reconnu cette tendance en modifiant la l\u00e9gislation relative aux communications \u00e9lectroniques.<\/p>\n

Depuis notre derni\u00e8re mise \u00e0 jour d\u2019avril 2021 (Perspectives d\u2019Eckler\u00a0:\u00a0Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es<\/strong><\/a>), des changements sont intervenus dans la l\u00e9gislation relative aux communications \u00e9lectroniques. Pour consulter un r\u00e9sum\u00e9 de la l\u00e9gislation en vigueur dans chacune des autorit\u00e9s gouvernementales, veuillez communiquer avec votre\u00a0conseiller<\/strong><\/a>\u00a0Eckler si vous avez des questions.[\/vc_column_text]

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R\u00e9sum\u00e9 de la l\u00e9gislation actuelle dans chacune des autorit\u00e9s gouvernementales (en vigueur \u00e0 partir de novembre 2022)<\/strong><\/span><\/p>\n

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Comp\u00e9tence<\/strong><\/p>\n

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Les communications \u00e9lectronique sont-elles autoris\u00e9es?<\/strong><\/span><\/p>\n

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Legislation<\/strong><\/p>\n

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Alberta<\/p>\n

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Oui<\/strong><\/p>\n

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L\u2019article\u00a0156.1 de l\u2019Employment Pension Plans Regulation<\/em> \u00e9tablit manifestement qu\u2019il est possible de faire parvenir les relev\u00e9s\/avis\/documents au participant par un moyen \u00e9lectronique conform\u00e9ment \u00e0 ce que pr\u00e9voit l\u2019Alberta\u2019s Electronic Transactions Act,<\/em> comme il est communiqu\u00e9 dans le bulletin EPPA Update\u00a020-04<\/a> [en anglais]. L\u2019Alberta a de surcro\u00eet modifi\u00e9 la Wills and Succession Act<\/em> afin d\u2019autoriser la d\u00e9signation d\u2019un b\u00e9n\u00e9ficiaire de mani\u00e8re \u00e9lectronique en d\u00e9cembre 2020, comme il en est fait \u00e9tat dans le bulletin EPPA Update\u00a020-07<\/a> [en anglais].<\/p>\n

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Colombie-Britannique<\/p>\n

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Oui, avec consentement<\/strong><\/p>\n

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L\u2019article\u00a037 de la Pension Benefits Standards Act<\/em> pr\u00e9cise que l\u2019information peut \u00eatre communiqu\u00e9e par voie \u00e9lectronique, si le participant a consenti \u00e0 accepter la communication \u00e9lectronique des renseignements prescrits.<\/p>\n

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Manitoba<\/p>\n

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Oui<\/strong><\/p>\n

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L\u2019article\u00a03.30 du R\u00e8glement sur les prestations de pension<\/em> pr\u00e9cise que les renseignements destin\u00e9s au participant peuvent \u00eatre envoy\u00e9s par courrier ordinaire, par courriel ou remis de toute autre mani\u00e8re approuv\u00e9e par le surintendant.<\/p>\n

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Nouveau-Brunswick<\/p>\n

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Oui, avec consentement*<\/strong><\/p>\n

\u00a0<\/strong>*D\u2019autres orientations sont en attente<\/em><\/p>\n

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En d\u00e9cembre 2021, le Nouveau-Brunswick a modifi\u00e9 l’article\u00a028.1<\/a> de la Loi sur les prestations de pension<\/em> pour permettre aux administrateurs de r\u00e9gimes de communiquer certains renseignements sur les participants par voie \u00e9lectronique, \u00e0 condition que le destinataire vis\u00e9 y consente.<\/p>\n

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Terre-Neuve-et-Labrador<\/p>\n

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Non<\/b><\/p>\n

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L’article 4.1<\/a> de la Pension Plans Designation of Beneficiaries Act<\/em> permet aux particuliers de d\u00e9signer par voie \u00e9lectronique les b\u00e9n\u00e9ficiaires de r\u00e9gimes offerts par l\u2019employeur ou de r\u00e9gimes de retraite, de FERR, de REER ou de CELI.<\/p>\n

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Nouvelle-\u00c9cosse[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/4″][vc_column_text]<\/p>\n

Oui, avec consentement<\/strong><\/p>\n

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L\u2019article 44 de la Pension Benefits Act<\/em> pr\u00e9cise que l\u2019information peut \u00eatre transmise par voie \u00e9lectronique si le participant a consenti, conform\u00e9ment aux dispositions de l\u2019Electronic Commerce Act<\/u><\/em>.<\/p>\n

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Ontario<\/p>\n

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Oui, avec pr\u00e9avis et consentement pr\u00e9sum\u00e9*<\/strong><\/p>\n

*D\u2019autres orientations sont en attente <\/em><\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]L\u2019Ontario a modifi\u00e9 les articles\u00a030.1 et\u00a0112 de la Loi sur les r\u00e9gimes de retraite<\/em> (Ontario) en d\u00e9cembre 2019 par le truchement du projet de loi\u00a0132 afin de permettre aux administrateurs de r\u00e9gime d\u2019envoyer certains documents aux participants par un moyen \u00e9lectronique, conform\u00e9ment \u00e0 ce que pr\u00e9voit la Loi de 2020 sur le commerce \u00e9lectronique<\/em> (Ontario) sur la base du consentement tacite.<\/p>\n

Un avis doit \u00eatre envoy\u00e9 au participant par la poste avant que les documents soient transmis par un moyen \u00e9lectronique, le participant \u00e9tant r\u00e9put\u00e9 avoir consenti \u00e0 accepter les documents par voie \u00e9lectronique \u00e0 moins qu\u2019il n\u2019ait signifi\u00e9 son d\u00e9saccord \u00e0 l\u2019administrateur du r\u00e9gime.<\/p>\n

L\u2019Ontario a par ailleurs modifi\u00e9 la Loi portant r\u00e9forme du droit des successions<\/em> (Ontario) afin d\u2019autoriser la d\u00e9signation d\u2019un b\u00e9n\u00e9ficiaire \u00e9lectronique en mai 2020.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator color=”custom” accent_color=”#49c0b6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=”.vc_custom_1683040740628{background-color: #D2EAE8 !important;}”][vc_column_inner width=”1\/4″][vc_column_text]<\/p>\n

Qu\u00e9bec<\/p>\n

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Oui<\/strong><\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]Les informations et les documents peuvent \u00eatre envoy\u00e9s par voie \u00e9lectronique sur la base des r\u00e8gles de communication efficace<\/a>. Il est recommand\u00e9 aux administrateurs de r\u00e9gime de se conformer aux lignes directrices mises de l\u2019avant dans la Ligne directrice no<\/sup>\u00a02 \u2013 La communication \u00e9lectronique dans le secteur des pensions\u00a0de l\u2019ACOR<\/a>.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_separator color=”custom” accent_color=”#49c0b6″][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=”1\/4″][vc_column_text]<\/p>\n

Saskatchewan<\/p>\n

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Oui<\/strong><\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]Il est possible de se conformer aux exigences relatives \u00e0 la communication de l\u2019information au participant que l\u2019on retrouve dans The Pension Benefits Act, 1992<\/em> et dans son r\u00e8glement en fournissant cette information sous forme \u00e9lectronique. Les administrateurs de r\u00e9gime doivent appliquer les lignes directrices recommand\u00e9es \u00e9nonc\u00e9es dans la Ligne directrice no<\/sup>\u00a02 \u2013 La communication \u00e9lectronique dans le secteur des pensions<\/a>\u00a0de l\u2019ACOR et ils doivent veiller \u00e0 ce qu\u2019ils se conforment \u00e0 la The Electronic Information and Documents Act, 2000<\/em> ainsi qu\u2019aux autres lois pertinentes qui encadrent la communication \u00e9lectronique et les renseignements personnels.<\/p>\n

L’ajout de l’article 75.2<\/a> \u00e0 la<\/span>\u00a0Loi de 2022 modifiant la Loi de 1998 sur la Cour du Banc de la Reine<\/em> permet la d\u00e9signation, le changement ou la r\u00e9vocation de b\u00e9n\u00e9ficiaire par voie \u00e9lectronique conform\u00e9ment \u00e0 la loi intitul\u00e9e The Electronic Information and Documents Act, 2000<\/em>.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_separator color=”custom” accent_color=”#49c0b6″][vc_row_inner css=”.vc_custom_1683040754815{background-color: #D2EAE8 !important;}”][vc_column_inner width=”1\/4″][vc_column_text]<\/p>\n

R\u00e9gimes de retraite priv\u00e9s assujettis \u00e0 la r\u00e9glementation f\u00e9d\u00e9rale<\/p>\n

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Oui, avec consentement<\/strong><\/p>\n

[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text]Le paragraphe\u00a031.1\u00a0(1) de la Loi de 1985 sur les normes de prestation de pension<\/em> pr\u00e9cise que l\u2019information peut \u00eatre fournie par voie \u00e9lectronique si le destinataire a donn\u00e9 son consentement et a d\u00e9sign\u00e9 un syst\u00e8me d\u2019information pour la r\u00e9ception du document \u00e9lectronique.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][\/vc_column_inner][vc_separator color=”custom” accent_color=”#49c0b6″][\/vc_row_inner][\/basic_container][basic_container container_size=”container container-narrow”][vc_column_text][\/vc_column_text][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container container_size=”container container-narrow” bg_type=”solid” bg_color=”bg-light”]

<\/div>[vc_column_text]Ce num\u00e9ro de Perspectives a \u00e9t\u00e9 pr\u00e9par\u00e9 \u00e0 des fins d\u2019information g\u00e9n\u00e9rale seulement et ne constitue pas des conseils professionnels. Si vous avez besoin de conseils professionnels relativement \u00e0 des aspects trait\u00e9s dans cette publication, veuillez communiquer avec un conseiller d\u2019Eckler<\/a><\/span>[\/vc_column_text]
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Depuis notre derni\u00e8re mise \u00e0 jour d\u2019avril 2021 (Perspectives d\u2019Eckler\u00a0: Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es), des changements sont intervenus dans la l\u00e9gislation relative aux … […]<\/p>\n","protected":false},"author":14,"featured_media":11535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74],"tags":[439],"class_list":["post-12226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights-fr","tag-regimes-de-retraite-a-prestations-definies","service-administration-des-regimes-de-retraite","service-communications-fr","service-defined-benefit-pension-consulting-fr"],"acf":[],"yoast_head":"\nLes communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es - Eckler<\/title>\n<meta name=\"description\" content=\"Les administrateurs de r\u00e9gimes \u00e0 prestations d\u00e9finies adoptent plus que jamais la communication \u00e9lectronique pour les participants actifs et retrait\u00e9s...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es\" \/>\n<meta property=\"og:description\" content=\"Les administrateurs de r\u00e9gimes \u00e0 prestations d\u00e9finies adoptent plus que jamais la communication \u00e9lectronique pour les participants actifs et retrait\u00e9s...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\" \/>\n<meta property=\"og:site_name\" content=\"Eckler\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-11T12:29:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-23T17:03:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.eckler.ca\/app\/uploads\/2021\/10\/GettyImages-1398462038-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Selin Ozturk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Selin Ozturk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\"},\"author\":{\"name\":\"Selin Ozturk\",\"@id\":\"https:\/\/www.eckler.ca\/#\/schema\/person\/91f0a59f180b75344ee4dbad354e9a27\"},\"headline\":\"Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es\",\"datePublished\":\"2023-05-11T12:29:13+00:00\",\"dateModified\":\"2024-08-23T17:03:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\"},\"wordCount\":1845,\"image\":{\"@id\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.eckler.ca\/app\/uploads\/2021\/10\/GettyImages-1398462038-scaled.jpg\",\"keywords\":[\"r\u00e9gimes de retraite \u00e0 prestations d\u00e9finies\"],\"articleSection\":[\"Insights\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\",\"url\":\"https:\/\/www.eckler.ca\/fr\/les-communications-electroniques-pour-les-regimes-de-retraite-a-prestations-determinees\/\",\"name\":\"Les communications \u00e9lectroniques pour les r\u00e9gimes de retraite \u00e0 prestations d\u00e9termin\u00e9es - 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