# Converting old work RPP into LIRA

**URL:** <https://forum.resolutelegal.ca/t/converting-old-work-rpp-into-lira/4182>\
**Category:** General Discussion\
**Created:** [December 6, 2023, 6:00pm UTC](https://forum.resolutelegal.ca/t/converting-old-work-rpp-into-lira/4182 "2023-12-06T18:00:25Z")\
**Posts on this page:** 2\
**Page:** 1

<div class="post-metadata">

**Author:** ![WorryAboutTheFuture](https://avatars.discourse-cdn.com/v4/letter/w/76d3ee/32.png) [@WorryAboutTheFuture](https://forum.resolutelegal.ca/u/WorryAboutTheFuture)\
**Post date:** [December 6, 2023, 6:00pm UTC](https://forum.resolutelegal.ca/t/converting-old-work-rpp-into-lira/4182/1 "2023-12-06T18:00:25Z")

</div>

Good morning all,

I have an old work RPP (Canada Life) through my “current” employer, that is big enough that I rather convert it into an LIRA so I can save on the relatively high MER (fees). Basically the plan is locked into Canada Life as long as I am an employee through my employer.

Would I still be considered employed even if I am on disability and have not worked there since 2019? I am still on my employer’s insurance plan (both disability & medical/dental).

Thx,  
JD

---

<div class="post-metadata">

**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [December 7, 2023, 8:47pm UTC](https://forum.resolutelegal.ca/t/converting-old-work-rpp-into-lira/4182/2 "2023-12-07T20:47:11Z")

</div>

> [@WorryAboutTheFuture](#):
>
> Would I still be considered employed even if I am on disability and have not worked there since 2019? I am still on my employer’s insurance plan (both disability & medical/dental).

Sounds like it.  
I think an RPP automatically converts to a LIRA when the employment ends.  
You should be able to withdraw any contributions you made, the employer contributions are locked in.