Basically, at the start when I asked, I was told this. I enquired a number of times about it and kept getting the same answer. That happens. That seems to be an ongoing situation with the Canadian Forces superannuation: They don't tell anybody anything. You have to do a lot of digging to find stuff out.
The problem with the Canadian Forces is that, for most individuals all through their careers, if they ask a question, they're told they don't need to know. Most of them go through their career totally not asking questions because it's not their need to know. When they get to the point of retirement, they still don't ask questions.
They're also not informed. When members get out of the Canadian Forces, there are supposed to be sessions to bring them up on knowledge and that. This is one issue that has never been brought up in any of the sessions they had at that time for the members because they don't think of these things. That's how it ends up.