Post-Retirement Benefits Premium Rate and OUP Premium Rate Changes for OPTrust Retirees
Changes to current premium rates for the Legacy and Retiree-Focused PRB plans, and for the Optional Upgrade Package (OUP) will be effective June 1, 2019. More information available in these fact sheets:
Retired on or after January 1, 2017 - Fact Sheet
Retired before January 1, 2017 - Fact Sheet

Ending your Coverage under the Optional Upgrade Package
A decision to terminate your coverage for benefits under the Optional Upgrade Package (OUP) is final and irrevocable. Once you opt out, you cannot re-enrol.
To terminate your coverage, please send us a written notification that includes your name, your OPTrust ID #, your address, your signature and the date. Your notice will apply only to your coverage under the OUP and not to the post-retirement insured benefits plan in which you are participating. Your OUP premiums and coverage will continue only until the end of the month in which OPTrust receives your written notification and will cease beginning the 1st of the following month.

As a member of the OPSEU Pension Plan, there are a number of life events that will affect your pension.

Starting Your Pension

couple retirement

Your pension is usually paid on the 26th of the month, is payable for your lifetime and provides survivor benefits for your eligible spouse.
Read more

Pension changes at 65

senior woman

At age 65 the additional pension benefit from OPTrust ends and your pension is integrated with the Canada Pension Plan (CPP).
Read more


Insured Benefits

senior couple

Insured benefits for eligible retirees include coverage for: dental, supplementary health and hospital and basic life insurance.
Read more

Marital Status changes


Marital status affects survivor benefits. If your marital status changes, notify OPTrust to ensure your information is up to date.
Read more


Planning for your Survivors

senior using computer

Your OPTrust pension provides benefits for your survivors, so it's important that you identify who you want to receive those benefits.
Read more