Plan Texts

Plan texts are legal documents that define the benefits and administration rules of a registered pension plan, and are filed with the regulators. All plan changes approved by the SC from 2007 through 2016 have been incorporated in the current OMERS Primary and Supplemental Plan texts. Any subsequent amendments will be filed as attachments as required, and can be reviewed by accessing plan change by-laws.

OMERS Primary Plan text

Under the OMERS Act, 2006, the pension plan that was governed by the old Ontario Municipal Employees Retirement System Act prior to June 30, 2006 was continued as the OMERS Primary Pension Plan (Primary Plan), was restated on January 1, 2011 to consolidate amendments made since June 30, 2006 and again on January 1, 2014 to reflect further amendments.  The plan text should be viewed in conjunction with plan change by-laws passed from time to time which will be posted here.

  • View Primary Plan text (690.0 KB)

  • View SC By-Law No. 32 (156.0 KB)

    August 19, 2014 - which outlines changes to the OMERS Plans pertaining to contribution rates, effective January 1, 2015.

  • View SC By-Law No. 34 (628.0 KB)

    August 31, 2016 - which outlines changes to the AVC Program, Supplemental Plan contribution rates and related 'rebound rates' of the Primary Plan, effective January 1, 2017.

OMERS Supplemental Plan text

The OMERS Supplemental Pension Plan for police, firefighters and paramedics (Supplemental Plan) is a separately funded, stand-alone registered pension plan that offers optional benefits that are not available under the Primary Plan.  The Supplemental Plan came into effect on July 1, 2008, was restated on January 1, 2011 to consolidate amendments made since July 1, 2008 and again on January 1, 2014 to reflect further amendments.  The plan text should be viewed in conjunction with plan change by-laws passed from time to time which will be posted here.

  • View Supplemental Plan text (619.0 KB)

  • View SC By-Law No. 32 (156.0 KB)

  • View SC By-Law No. 34 (628.0 KB)

    August 31, 2016 - which outlines changes to the AVC Program, Supplemental Plan contribution rates and related 'rebound rates' of the Primary Plan, effective January 1, 2017.

  • View SC By-Law No. 36 (197.0 KB)

    August 23, 2017 - which outlines certain changes pertaining to the Primary and Supplemental Plans and the RCA.

OMERS Retirement Compensation Arrangement

The retirement compensation arrangement (RCA) for the OMERS Primary Plan is a separate arrangement that provides benefits to members of the Primary Plan whose earnings exceed the benefit limits that may be provided under a registered pension plan under the Income Tax Act (ITA).

  • View RCA text (132.0 KB)

    (amended and restated June 30, 2007)

  • View SC By-Law No. 24-01 (159.0 KB)

    December 10, 2014 - which sets the conditions for making annual changes to the earnings threshold.

  • View SC By-Law No. 32 (156.0 KB)

    August 19, 2014 - which outlines changes to the OMERS Plans pertaining to contribution rates, effective January 1, 2015.