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Since the Nortel bankruptcy is forcing the wind-up of the Nortel Pension Plans, many pensioners face complex, personal decisions on whether to convert their pension into an annuity or a Life Income Fund. Such one-time-only, personal financial decisions are best made with competent, financial advice. To supplement such advice, some pensioners have found online tools to be helpful in understanding their situation and alternatives. The NRPC can take no responsibility for the validity and accuracy of these sites or for any decisions that you might make based on these sites but only provides a link for your consideration. Use at your own risk. The NRPC is not able to provide advice on which choice to make. Note that the decision deadline has already past for those Pensioners in the Negotiated plan so this information is for the benefit of those in the Managerial plan.