Members - Buying Back Pension Service

deadlines apply for buybacks
- if you miss the deadline you can still buy back pension service but it will cost you more
OPTrust will provide you with a cost quote when all the documents are received
you have 10 years from the application date to decide whether to proceed with the buyback
there are a number of payment options
there are three kinds of service you can buy back:
- service with an employer who contributed to the OPSEU Pension Plan or PSPP
- an unpaid leave of absence
- service with an employer who contributed to another Canadian registered pension plan
We work to handle your service request in a timely manner. See our Service Delivery Standards

service with an employer who contributed to the OPSEU Pension Plan or the Public Service Pension Plan (e.g. contract service with the OPS)
- complete the Application for Past Pension Service form and send it to OPTrust
an unpaid leave of absence
- if you decide to pay for your buyback during your leave complete the Application to Contribute during an Unpaid Leave of Absence form
- if you want to apply for the buyback when you return from your leave complete the Application for Past Pension Service form
- you can apply online using Online Services
an employer who contributed to another Canadian registered pension plan
- complete the Application for Past Pension Service form

within three months of starting your new job or becoming a permanent employee to discuss buying back pension service
if you are planning to take a leave of absence or returning from a leave
address or other contact information change
change in your family status due to marriage, separation/divorce, new child by birth or adoption