Once you are “vested,” you have
the right to receive an unreduced pension from OPTrust at age 65.
Depending on your circumstances, you may also be eligible for one or
more early retirement options.
When you leave your job and terminate your membership in the Plan, your
pension options depend on whether you are vested or not. For service
after 1986, you are vested once you have two years of credit or
continuous membership in the Plan. For service before 1987, you are
vested after 10 years of continuous plan membership or credit, or if you
are age 45 or older with 10 years of continuous employment.