How the Pension Is Calculated

A Supplemental Plan pension tops up the pension the member earns in the Primary Plan.

Three of the supplemental benefits are intended to increase the amount of pension: the 2.33% accrual, and the “best three” and “best four” earnings. The 80/85 Factors may increase a member's early retirement pension provided the member takes an immediate pension. A "stacked provision" occurs when a member has coverage for more than one Supplemental Plan benefit for some or all of their credited service.

When calculating the pension, the minimum value guarantee and maximum pension limit must also be taken into consideration.

Supplemental Plan benefits are not automatically provided. Employers can set up Supplemental Plan coverage for a class or classes of members in the police sector, firefighters and paramedics.