Joining the OPSEU Pension Plan
Who are the members of the OPSEU Pension Plan?
You must join the OPSEU Pension Plan if you are less than 65 and:
- you work for an Ontario government ministry or scheduled agency as permanent, classified or probationary staff, and you are represented by OPSEU
- you are permanently employed by the OPSEU Pension Trust
- you are permanently employed by the Ontario Teachers’ Pension Plan Board and are represented by OPSEU
- you are permanently employed by one of the following scheduled agencies, boards, commissions or organizations:
- Alcohol & Gaming Commission of Ontario and are represented by OPSEU
- Liquor Control Board of Ontario and are represented by the Liquor Board Employees’ Division of OPSEU
- Niagara Parks Commission and are represented by OPSEU
- Ontario Lottery and Gaming Corporation and are represented by OPSEU (certain workplaces)
- Ontario Pension Board and are represented by OPSEU
- Workers’ Compensation Appeals Tribunal and are represented by OPSEU
- you are a “grandfathered” member.
In certain situations where there is a divestment or change in employer, those who are members of the OPSEU Pension Plan at the time of the change are "grandfathered." They are allowed to remain as active members of the OPSEU Pension Plan until termination or retirement, or until the current collective agreement expires.
You may be eligible to join the OPSEU Pension Plan at any time starting from your first day of employment if you are an OPSEU-represented member after 1992 and are employed on a non-permanent basis:
- by the Crown under the Public Service Act
- by an agency, board, commission, foundation or organization that was a participating employer in the Public Service Pension Plan before December 31, 1994
- by an agency that was a participating employer in the OPSEU Pension Plan after December 31, 1994.
If your membership is optional and you decide to join the OPSEU Pension Plan, you must complete the membership forms that are available from your human resources representative. Once you join the Plan you cannot cancel your membership unless you terminate your employment.
If you become a member of the OPSEU Pension Plan when you return to the OPS or to an employer participating in the OPSEU Pension Plan and you have a deferred pension from OPTrust related to past service, your prior credit is linked to your current credit.
When calculating your average salary and credit we will consider both periods of membership. When you rejoin the Plan, any payment made to you when you previously left the Plan (i.e., excess contributions) must be repaid with interest; otherwise your pension will be actuarially reduced when you end your membership in the Plan.
Your credit in the PSPP (which is administered by the Ontario Pension Board) is not automatically added to your service in the OPSEU Pension Plan if you terminated employment and have a deferred pension certificate from the PSPP. If you have a deferred pension from the PSPP and want information about moving your prior credit to the OPSEU Pension Plan, please contact OPTrust for more information. You may choose to move your prior credit to the OPSEU Pension Plan or leave your credit with the PSPP. See "Time Limits" about deadlines.