How to apply to unlock locked-in retirement funds for financial hardship — and autofill it with my-id.ca
Apply to unlock locked-in funds for financial hardship — fill the form faster
In set hardship categories, you can apply to withdraw from an Ontario locked-in retirement account — and the application repeats your personal and account details. This guide is an example of storing them once in my-id.ca.
Official form and source
Start from the official source and always use the current version — form numbers and links can change:
- Official page (FSRA): Withdrawing from locked-in accounts because of financial hardship — fsrao.ca
- Form (Central Forms Repository): Application to Withdraw Money from a Locked-in Account Based on Financial Hardship — 013-1626
What this form is about
The application asks to withdraw money from an Ontario locked-in retirement account (LIRA), life income fund (LIF), or locked-in retirement income fund based on a recognized financial hardship category. Ontario pensions are regulated by FSRA, and you submit the form to your financial institution.
Before you start: what to gather
- Your name, address, and account details.
- The hardship category that applies and supporting information.
Confirm the current categories and forms on the FSRA website. Consider advice — this affects your retirement savings and taxes.
How my-id.ca makes it faster
- Store your details once. Save your name, address, and account details in my-id.ca.
- Autofill the application. Use the my-id.ca Chrome extension on a web form, or fill a PDF from your saved profile inside my-id.ca.
- Get advice if needed.
- Submit to your financial institution.
Why do it in my-id.ca
Financial and pension forms repeat the same personal details. Stored once in my-id.ca — in Canada, with no third-party AI — the repeating fields fill themselves so you can focus on the decision.
Frequently asked questions
- When can I unlock locked-in funds for hardship?
- Under set categories (such as medical expenses, rent arrears, first and last months' rent, or low expected income). The application asks for your name, account details, and the hardship information. my-id.ca can autofill your personal details.
- Who do I submit it to?
- You submit the completed application to the financial institution that holds your locked-in account — FSRA does not process these. Confirm the current categories and forms on the FSRA website.
- Should I get advice?
- Unlocking retirement savings is a significant decision with tax effects. my-id.ca only helps fill the form; consider advice before applying.
Fill it once. Reuse it everywhere.
Save your information in my-id.ca once, then autofill this form and the next one — web forms with the Chrome extension, PDFs right in the app. Your data is stored in Canada and AI runs on my-id.ca's own servers, never sent to third-party AI providers.