Working for more than one participating employer
If you are not yet a Plan member...
...and you work for more than one employer that participates in the Plan, your
combined hours and earnings from each employer will count when determining your
eligibility for Plan membership.
If you are already in the Plan...
...as a result of your employment with one participating
employer and your taking a second job with another employer (as an employee in
a class of employees for which that employer maintains participation in the
Plan), you must contribute on your pensionable earnings at both workplaces.
However, please note that by working for more than 1 participating employer and
participating in the Plan in respect of both jobs, you can’t accumulate more
than 1 year of credited service in a given
calendar year. Consider the following example:
Suppose that in 2008 you work 70% of the full-time
equivalent hours in your position with “Employer A”. In your second job with
“Employer B,” who maintains participation in the NSAHO Pension Plan for
the group of employees in which you will be working, you work 50% of the
full-time equivalent hours for that position. Combining your two jobs, you will
have worked and made contributions on a total of 120% of the full-time
equivalent hours for one position. As mentioned above, you cannot accumulate
more than 1.0 year of credited service in the Plan in one year. Therefore, in
this example, you would receive a refund of the contributions you made on the
20% excess, bringing you back to the 1.0 year of credited service you
are permitted to earn.
The Plan includes most hospitals, many nursing homes, and
other health-related organizations in Nova Scotia. (Show me a list of
employers in the Plan.)
You cannot receive a retirement pension or a termination
benefit until you have retired or terminated from all of your employers who
participate in the Plan.
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