GENERAL CBSA APPLICANT CHIT CHAT

Discuss the educational and physical requirements, testing process and background phase involved in the hiring process. Includes the experiences and advice of current and past applicants. All agency application related questions belong here.

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Columbo
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby Columbo » Fri Apr 05, 2019 5:34 pm

Just be mindful that every police agency pays more than CBSA and they have a 35 year pension with an 85 factor (age + years of service must = 85).

The CBSA age factor is now 90 for all new hires. This should weigh HEAVILY into your choice of employer. Essentially, you’re all looking at having to put in 40 years of service to receive a full pension with CBSA.
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Tornelco
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby Tornelco » Fri Apr 05, 2019 6:30 pm

Imnewtothis wrote:
Fri Apr 05, 2019 5:20 pm
Hey everyone. New applicant here.
Ive been lurking on this forum for a few months now and have a question for those who took the otee in feb.
Has anyone received an invite for the interview yet?
Im applying from the atlantic region.

Thanks and goodluck to everyone who has applied.
My guy, I literally made the post a couple of comments above you that I got an invite.
What is better? To be born good, or to overcome your evil nature through great effort?

Tornelco
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby Tornelco » Fri Apr 05, 2019 6:31 pm

Columbo wrote:
Fri Apr 05, 2019 5:34 pm
Just be mindful that every police agency pays more than CBSA and they have a 35 year pension with an 85 factor (age + years of service must = 85).

The CBSA age factor is now 90 for all new hires. This should weigh HEAVILY into your choice of employer. Essentially, you’re all looking at having to put in 40 years of service to receive a full pension with CBSA.
Why would they make their pension plan even worse? I get that they aren't starved for applicants but damn... Was hoping they'd move closer to the RCMP pension, not further away.
What is better? To be born good, or to overcome your evil nature through great effort?

StudentAnon
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby StudentAnon » Fri Apr 05, 2019 7:03 pm

Columbo wrote:
Fri Apr 05, 2019 5:34 pm
Just be mindful that every police agency pays more than CBSA and they have a 35 year pension with an 85 factor (age + years of service must = 85).

The CBSA age factor is now 90 for all new hires. This should weigh HEAVILY into your choice of employer. Essentially, you’re all looking at having to put in 40 years of service to receive a full pension with CBSA.
I remember reading a couple weeks ago on this thread and on the CIU's website that the CIU was pushing for a 25 and out plan for uniformed officers. They believe it will be easier to push through because a lot of non uniformed FB roles are going to be replaced by other PSAC members (AS, PM, etc). Also as the powers and responsibilities of BSO's continues to increase it is difficult for the TBS to deny that they should not be compared to other policing agencies and as result they should have the same compensation and benefits. Granted this will probably take a while to get done since it is election year. However if the CIU can garner more legitimacy for this proposal I think the CBSA would be a good investment opportunity for potential recruits. :D

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 10:13 am

The age factor is now 90? I assumed the CBSA pension was the same as it is for most federal employees. Do you happen to have a reference?

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Charoskh
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby Charoskh » Sat Apr 06, 2019 10:25 am

My OTEE result came in exact one month....

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 10:30 am

My understanding of the pension is that if you start after January 1, 2013 you can draw an unreduced pension at age 65, or age 60 with thirty years of service.

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 10:46 am

Example:

At top rate $82,411 with 30 years of service one would be looking at $38,684.10 annually.

At top rate $82,411 with 35 years of service one would be looking at $45,131.45 annually.

There are different options for drawing on your pension based on age and years of service.

*Feel free to correct my math. It's early and I haven't had my coffee😉

kellylihomes
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby kellylihomes » Sat Apr 06, 2019 11:11 am

wannabecucumber2 wrote:
Sat Apr 06, 2019 10:46 am
Example:

At top rate $82,411 with 30 years of service one would be looking at $38,684.10 annually.

At top rate $82,411 with 35 years of service one would be looking at $45,131.45 annually.

There are different options for drawing on your pension based on age and years of service.

*Feel free to correct my math. It's early and I haven't had my coffee😉
I am 36 now. By the time I get on board, I will be 37. I am planning to retire at the age of 60, that means 23 years of service. How much pension would I able to get? Not much I guess.
CBSA GTA Applicant
Applied: August 2018
OTEE: September 2018 (passes)
Interview: December 2018 (passed)
PARE: January 2019 (passed)
Psy Evaluation: April 2019 (passed)
Security paper: May 2019
Medical: July 2019 (passed)

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 11:17 am

Previous post was calculated at top rate for
FB-03

What to expect for a paycheck after graduation? Many factors to consider (shift differential, OT, provincial tax etc...) but here is my calculation at the FB-02 rate during OIDP (12-18 months)

$64,234 annually *base salary
Expect to receive $1600-$1700 net biweekly without shift diff. and OT.

*factoring in shift differential and possible OT in your first year. Maybe $70-$75K. POE and personal choice dependent.

*If you work in BC or the prairies you may see more favorable tax rates

Benefits usually kick in around the six month mark, that being said some employees may see dental earlier.

As a side note, expect not to see a paycheck for 6-6.5 months from Rigaud start date until first payday. (Rigaud 4.5 months plus 3 week turnaround to move to POE, plus 2-4 weeks after first day on the job. It's a financial sacrifice and many will have to go into debt. Well worth it IMO. I would be remiss not to mention the $2250 stipend, and boot reimbursement.

*these are all estimates and not to be substituted for the your own calculations with or without caffeine 😉

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Columbo
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby Columbo » Sat Apr 06, 2019 11:24 am

5% penalty per year for every year you retire before 60 (I.e. meeting the age factor), and 2% per year for every year you retire under the maximum pensionable time (ie 40 year max).

A “25 and out” pension only proposes to emilninate the 5% penalty; the 2% per year loss would still apply.
"One more thing..."

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 11:31 am

Kelli unfortunately you would see a reduced pension. Expect your pension to be reduced by 5% for every year prior to age 65. Soooooo a 25% reduction.

Your calculation based on info you provided:

$57,400 × 23 years of service x .01375

Total: $18,152.75

Plus

$25,011 × 23 years of service x .02

Total: $11,505.06

Estimated annual uneduced pension: $29,657.81 gross

Retire at age 60? Subtract 25%

$29,657.81 x .75

Estimated annual reduced pension:

$22,243.35 gross annual salary

$1853.61 gross monthly plus bridge benefit or CPP. Wait until 65 or later for OAS if it still exists in 23 years.

Hope that helps and please don't hold me to this rough estimate. I'm not a pensions professional, nor a mathematician 😄

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 11:35 am

wannabecucumber2 wrote:
Sat Apr 06, 2019 11:17 am
Previous post was calculated at top rate for
FB-03

What to expect for a paycheck after graduation? Many factors to consider (shift differential, OT, provincial tax etc...) but here is my calculation at the FB-02 rate during OIDP (12-18 months)

$64,234 annually *base salary
Expect to receive $1600-$1700 net biweekly without shift diff. and OT.

*factoring in shift differential and possible OT in your first year. Maybe $70-$75K. POE and personal choice dependent.

*If you work in BC or the prairies you may see more favorable tax rates

Benefits usually kick in around the six month mark, that being said some employees may see dental earlier.

As a side note, expect not to see a paycheck for 6-6.5 months from Rigaud start date until first payday. (Rigaud 4.5 months, plus 3 week turnaround to move to POE, plus 2-4 weeks after first day on the job. It's a financial sacrifice and many will have to go into debt. Well worth it IMO. I would be remiss not to mention the $2250 stipend, and boot reimbursement.

*these are all estimates and not to be substituted for your own calculations with or without caffeine 😉

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 11:38 am

Caveat

My numbers are based on the 'regular' public service pension. CBSA may operate differently so please feel free to correct me if I'm wrong😊

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wannabecucumber2
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Re: GENERAL CBSA APPLICANT CHIT CHAT

Postby wannabecucumber2 » Sat Apr 06, 2019 11:43 am

My understading is that maximum pensionable time is 35 years.


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