When you can join

Compulsory participation is required…

…if you meet the Plan’s definition of a full-time employee. If so, you may join the Plan immediately – but you must join within three months of meeting that definition.

Optional participation is available to you…

….if you meet the Plan’s definition of a part-time employee. If so, you may choose to join the Plan once you have:

• completed 24 months of continuous employment, and
• either worked 700 hours or earned at least 35% of the Year’s Maximum Pensionable Earnings (YMPE) in each of the two calendar years prior to enrolling.

Once you are enrolled, you cannot withdraw from the Plan as long as you remain an employee – even if your hours of work and earnings fall below the initial enrolment criteria outlined above. Your participation in the Plan will end only when you terminate your employment, retire, or die.

Uncertain about your eligibility for participation in the Plan? Please talk to your employer’s Human Resources office or contact us.