• designate your beneficiaries through our secure Online Services or by completing a Pension Beneficiaries form
• as a new member, you may have the option to buyback past service. Contact OPTrust to confirm if you are eligible.

• use the pension estimator to estimate your annual pension
• attend a Direct Contact session for more information on your pension benefits.

• you are eligible to receive insured benefits after retirement
• use the pension estimator to project your future retirement income.

A leave of absence due to:

• pregnancy, parental and adoption
• family medical leaves

• notify OPTrust of your leave of absence and decide whether or not you want to make pension contributions during your leave
• complete an Application to Contribute During an Unpaid Leave of Absence form, or provide the information online using our secure Online Services.
• check out OPTrust's booklet Your Pension and Buying Back Credit for more information.

Retirement options:

• You are age 60 or older with at least 20 years of credit
  
• Your age plus years of credit total at least 90
• Age 55
  
• Age 65*

• you are eligible to retire under the OPSEU Pension.
• contact OPTrust about your retirement options and attend a Direct Contact session.
• complete a Termination of Membership form available from your human resources representative. It confirms your intention to retire and your employer will provide a copy to OPTrust.
• you should notify OPTrust, as well as your employer, at least six months in advance of your expected retirement date.
• at age 55 you are eligible for early retirement with a reduced pension if you are vested. Your pension is calculated using the basic pension formula (and does not include the CPP reduction until age 65). Your pension is then reduced by 5% for each year you are under age 65, if you do not qualify for other forms of early retirement.