Benefit Eligibility

An employer can enter into an agreement with OMERS to provide a Supplemental Plan benefit for a class or classes of employees. The following outlines eligibility for each benefit.
Supplemental Benefit   Eligibility for Benefit  
Police & Firefighters  Paramedics  Police Civilians 
2.33% accrual rate  Yes  Yes  No 
80 Factor (for members with a normal retirement age of 60)  Yes*  No+  No 
85 Factor (for members with a normal retirement age of 65)  Yes*  Yes  Yes 
“Best four” earnings  Yes  Yes  Yes 
“Best three” earnings  Yes  Yes  Yes 
*The majority of members in the police sector and firefighters in OMERS have a normal retirement age of 60.
+Starting 2021, the 80 Factor will be available to paramedics of an employer who has changed normal retirement age for paramedics to age 60.

Police and firefighters

Police officers, firefighters (and paramedics starting in 2021) will be eligible for all of the benefits identified above based on their normal retirement age (NRA).

Note: The OMERS Act, 2006 refers to the Police Services Act, the Fire Protection and Prevention Act and the Ambulance Act to define members of the police sector, firefighters and paramedics.

Police civilians

Police civilians working for a police force will be eligible for:

  • “Best four” earnings
  • “Best three” earnings
  • the 85 Factor

Police civilians are not eligible for the 2.33% formula (due to federal law) and are not eligible for the Factor 80 (due to their normal retirement age of 65).

Paramedics

Paramedics will be eligible for any of the benefits based on their NRA. Paramedics currently have a normal retirement age of 65 under the Primary Plan. Starting 2021, an employer may set up NRA 60 for all or a class of paramedics. 

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.