In order to join a pension fund, you have to be employed. Now that the AVS 21 reform has been adopted, you have the right to withdraw part of your retirement benefits – the amount will be proportionate to the change in your employment rate if you decide to reduce it after turning 58. You can collect your pension in three lump-sum withdrawals.
If you are no longer employed, you can maintain your pension savings with up to two vested benefits accounts at two different institutions.