Frequently Asked Questions

You can find your OPB Client ID on the Welcome Letter that was part of the enrolment package we mailed to you when you joined the Plan. It’s also included in most mailed letters we send and on your Annual Pension Statements (APS).

Can’t find your Client ID? Please call us at 416-364-5035 (local) or 1-800-668-6203 (toll-free in Canada & U.S.A.). Our Client Care Associates are available Monday to Friday, 8 a.m. to 5 p.m. EST.

If you're having trouble logging in to e-services account(opens in a new tab) , go to the login page and click “Need help logging in?” You will see a few options:

• Reset your password - Enter your username and choose if you want to receive the reset instructions by email or phone call. If you choose email, check your inbox for the reset link and follow the instructions to create a new password. If you choose phone call, you will receive a call with instructions.
• Unlock your account - Enter your username, then choose to get instructions by email or phone call.
• Recover your username - You’ll need to enter your client ID number. If it matches what we have on file, we’ll send your username to your email.

  Choose the option that applies to you and follow the steps.

  Tip: If you don’t see the email, check your spam or junk folder.

  If you're still unable to log in, please call us at 416-364-5035 (local) or 1-800-668-6203 (toll-free in Canada & U.S.A.). Our Client Care Associates are available Monday to Friday, 8 a.m. to 5 p.m. EST.

With your e-services account(opens in a new tab) account, you can securely access and manage your pension information anytime, anywhere. Here are just some of the things you can do:

1. Update your personal information, including your contact information and beneficiary details. Active members can update their marital status.
2. View your Annual Pension Statement or Retired Member Statement.
3. Use planning tools like the Pension Estimator, Buyback Calculator, and Retirement Planner.
4. Upload documents using the Secure Document Upload feature.
5. Book a free 1-on-1 meeting with one of our Certified Financial Planners (CFP®) to help you plan for retirement and make informed decisions based on your financial goals.
6. Sign up for e-alerts to stay informed with updates from OPB.

You can upload documents to OPB using the Secure Document Upload feature in e-services. Here’s how:

Once you upload your document, you will receive a confirmation email from OPB. Your document will then be securely submitted for processing.

1. Log in to e-services account(opens in a new tab).
2. Click Documents, then click Secure Document Upload in the menu
3. Choose the type of document you’re sending and upload your file.
4. Review your upload and click Submit.

If you prefer, you can also send documents by fax to 416-364-7578 or by mail to:

Ontario Pension Board
200 King Street West, Suite 2200
Toronto ON M5H 3X6

For assistance, contact the Client Care Centre, available Monday to Friday, 8 a.m. to 5 p.m. EST at 416-364-5035 or 1-800-668-6203 (Toll-Free in Canada & U.S.A.). Click here to learn more about completing and submitting forms online and visit our Forms catalogue to download a form.

You may be able to transfer pension credit into the PSPP if your former plan has a transfer agreement with us and your pension credit is still with that plan.

There are certain time limits you need to meet to be eligible for a transfer, and in some cases, you may need to make a top-up payment if your benefits under the PSPP are higher than those in your former plan.

To learn more about eligibility, timelines, and paying for credit, visit: Eligibility, Timelines and Paying for Credit.

If you leave the PSPP and join another employer’s pension plan, you may be able to transfer your pension credit out of the PSPP and into the new plan, provided there is a transfer agreement in place.

To learn about the types of transfer agreements OPB participates in, visit Transferring Pension Credit Out of the PSPP (PDF).

If your new plan is part of a transfer agreement and you meet the eligibility criteria, your pension credit may be added to your new plan to increase the overall value of your future pension.

A transfer is possible if the following conditions are met:

• There is a transfer agreement in place between the PSPP and the receiving plan.
• The member has pension credit in the PSPP.
• The member qualifies and applies for a transfer within the required time limits.

To get started, contact your new plan administrator or employer to request an Appendix A form. You’ll need to complete and return this form within the required timelines to begin the transfer process. Once submitted, OPB and your new plan will work together to calculate the cost and value of your pension credit.

To learn more about the transfer process, and timelines, visit: Termination options.

Your eligibility for early retirement depends on your age and your pension credit. Early retirement allows you to start receiving your pension before age 65. If you qualify for unreduced early retirement, your lifetime pension amount will not be reduced, meaning you’ll receive the full amount you’ve earned.

You may qualify for an unreduced pension if you meet one of the following conditions:

• 60/20 Provision - You are at least 60 years old and have 20 or more years of pension credit.
• Factor 90 - Your age + pension credit equals 90 or more.
• OPP 50/30 Provision (for Ontario Provincial Police officers) - You are at least 50 years old and have 30 or more years of pension credit.
• Factor 85 (for OPP civilians) - Your age + pension credit equals 85 or more.

If you don’t meet the criteria for an unreduced pension, you may still choose to retire early at age 55 or later. In this case, your lifetime pension will be reduced by 5% for each year before age 65.

To check your eligibility and estimate your pension, log in to e-services(opens in a new tab) and use the Pension Estimator or Retirement Planner tool. You can also book a 1-on-1 meeting with one of our Certified Financial Planners (CFP®) to help you understand your options and plan your next steps.

Yes, there are a few ways you may be able to increase your PSPP pension before you retire.

You may be able to:

• Transfer pension credit from a previous pension plan that has a transfer agreement with the PSPP
• Buy additional pension credit for an eligible period of past service

Both options are time-sensitive and may be more cost-effective if you act early. For details specific to your situation, you can use the Buyback Calculator in e-services(opens in a new tab) or call us at 416-364-5035 or 1-800-668-6203 (toll-free in Canada and the U.S.A.).

No, taking the bridge benefit does not reduce your lifetime pension. The bridge benefit is a temporary payment from the Plan that provides additional income until age 65. Once you turn 65, the bridge benefit stops, but your lifetime pension amount remains the same. At that point, you may also begin receiving your unreduced Canada Pension Plan (CPP) retirement benefit.

If you retire at age 65 or later, you will not receive the bridge benefit.

The bridge benefit is a temporary payment that provides extra income before age 65. It is intended to supplement your pension until you become eligible to collect an unreduced pension from Canada Pension Plan (CPP).

When you're ready to retire, you must notify OPB (and your employer) and complete the necessary forms so we can start your pension.

Here’s how to get started:

1. Notify your employer and log in to your e-services(opens in a new tab) account to initiate your retirement.
2. Your employer will then submit your retirement details through the employer portal.
3. OPB will send you a Retirement Information Package and Retirement Elections Package. This outlines the steps you need to take and the forms you need to complete. Visit Retirement forms to learn more.
4. Submit any required supporting documents, such as proof of age or spousal information

We recommend starting this process three to six months before your planned retirement date. Initiating your retirement in e-services also allows you to track your application status and securely upload documents online.

If you need help understanding your options or the retirement process, call us at 416-364-5035 or 1-800-668-6203 (toll-free in Canada and the U.S.A.).

You can find the PSPP pension pay schedule on our website. It lists the dates when pension payments are deposited into your bank account.

To view the pay date calendar, visit Pension Pay Dates and Direct Deposit.

To access your statement online:

1. Login to e-services(opens in a new tab) .
2. Click on Documents in the menu.
3. Select Statements to view or download your Retired Member Statement.

If you’ve opted to receive paper statements, they will be mailed to you each year.

To update your banking information for direct deposit of your PSPP pension payments, you must complete the following:

1. Complete the OPB1004 - Retired Member Information Change Form (PDF).
2. Attach a void cheque or a direct deposit slip from your financial institution.
3. Submit the form and the banking document to OPB via:
   • Document upload through your e-services account.
   • Mail:
     Ontario Pension Board
     200 King Street West, Suite 2200
     Toronto ON M5H 3X6
   • or by Fax to 416-364-7578

Please ensure that you submit your updated banking information well in advance of the next pension pay date to avoid any delays.

Information about insured medical benefits in retirement, including eligibility, coverage, and premiums, is available on our website.

If you meet certain eligibility criteria, you may receive insured medical benefits for yourself, your spouse, and eligible dependents. Coverage depends on factors such as your employer, bargaining agent, length of service, pension credit, and retirement date.

To learn more, visit: Insured benefits page.

Eligibility for post-retirement insured benefits depends on:

• Your former employer
• Your bargaining agent or employment group
• Your pension credit and retirement date

Not all PSPP members automatically receive insured benefits in retirement. To confirm your eligibility, contact your former employer.

You can find information on our Retroactive Salary Adjustment FAQ page, including how adjustments such as the repeal of Bill 124 may impact your pension.