Members - Changing Your Marital Status

What you need to know

New marital relationship:

  • your new spouse is entitled to a 60% survivor pension for his or her lifetime
  • the survivor pension is increased for inflation every January
  • insured benefits in retirement apply to your spouse if you qualify for this provision

Breakdown of your marital relationship after January 1, 2012:

Contact OPTrust if your marital relationship breakdown occurred before January 1, 2012

  • pensions are considered a family asset and subject to Family Law rules regarding division of assets
    Division of assets

    Only possible option is to transfer lump sum amount from your OPTrust pension to your former spouse’s locked-in retirement account or pension plan

    • pension law limits the amount payable to a former spouse up to a maximum of 50% of the pension you earned during your spousal relationship

  • for separation agreements, domestic contracts and court orders dated after January 1, 2012 OPTrust provides the valuation of your pension at no cost to you
  • OPTrust will provide you and your former spouse  with the valuation amount and the maximum amount payable to your former spouse

How to update your status

New spousal relationship


Spousal relationship breakdown:

  • complete the Family Law forms (see the FORMS section)
  • review your beneficiary information and update it as necessary, using the Pension Beneficiaries form

Estate Planning:

  • Have you thought about who receives benefits when you die? Make sure to keep your beneficiary information current.
  • If you have minor children, have you set up a trust? For more information see the Office of the Children's Lawyer website.

When to contact us

  • any life changes – marriage, new common-law spouse, separation, divorce, death, new beneficiaries
  • changes to contact information – address, phone number, e-mail address

Forms you need to complete

New Spouse

Marital Relationship Breakdown

PART 1: The application process 

Member completes these forms: 

PART 2: Determining the value – within 60 days OPTrust determines value sends both parties a copy of Statement of Family Law Value

PART 3: Decision re division of pension

Jointly completed by member and ex-spouse

Additional forms to complete, if applicable