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Financial Services Commission of Ontario Financial Hardship Unlocking FORM FHU 4 Application for Low Expected Income Approved by the Superintendent of Financial Services pursuant to the Pension Benefits Act R.S.O. 1990 c* P. 8. Only use this form for Applications in 2014 In this form PBA refers to the Pension Benefits Act R*S*O. 1990 c* P. 8. and Regulation refers to Regulation 909 R*R*O. 1990 This Application may only be used to apply for money in your locked-in account that was earned in...
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Financial hardship: a certain amount may be withdrawn from a locked-in account. The funds may be withdrawn as cash, or transferred to a tax-deferred savings vehicle such as a registered retirement savings plan (RRSP) or a registered retirement income fund (RRIF), subject to any applicable income tax rules.
Use this form to apply to unlock and take out money from your Ontario locked-in account (locked-in retirement account (LIRA), life income fund (LIF), locked-in retirement income fund (LRIF)) based on financial hardship for low expected income.
Small Amounts Unlocking (2023) You can unlock the money in your LIRA or LIF under the "small amounts" rule if: ● the value of your LIRA or LIF is less than $13,320, or ● you are 65 years of age or older, and the value of your LIRA or LIF is less than $26,640.
Use Form FHU 4 Application for Low Expected Income The application for low expected income must use the Form FHU 4 for the year you apply. If you apply in 2023, use the 2023 form. You cannot use a previous year's form. Please contact your financial institution for an application form.
Use this form to apply to unlock and take out money from your Ontario locked-in account (locked-in retirement account (LIRA), life income fund (LIF), locked-in retirement income fund (LRIF)) based on financial hardship for low expected income.
A financial hardship is when someone is willing to pay their debts as they originally agreed to but is unable to do so due to a significant unexpected event or unforeseen circumstances that have seriously impacted their ability to pay.

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FHU 4 is a form used for reporting specific information related to health and environmental safety, often relevant to food handling or state health departments.
Individuals or entities involved in food service operations, such as restaurants, caterers, and food manufacturers, are typically required to file FHU 4.
To fill out FHU 4, carefully read the instructions provided with the form, complete each section accurately, and provide any necessary supplementary documentation as required.
The purpose of FHU 4 is to ensure compliance with health regulations and to monitor food safety practices within food service operations.
FHU 4 typically requires information regarding the establishment's operations, food safety practices, employee training, and any incidents related to food safety.
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