For IPCO/OFNPA members

If you're If you’re a non-OPP officer or non-OPP civilian (including First Nations officers and civilians) joining the Plan, we encourage you to read this page to learn about your contributions to the Plan.

How do contributions work?

The The PSPP is a contributory defined benefit (DB) plan. That means you’re required to make contributions to the Plan throughout your working years and your employer matches those contributions.

Contributions are automatically deducted from your pay each period and deposited directly into the Plan to allow you to start building your pension credit.

Contributions

For non-OPP officers and non-OPP civilians:

Until June 30 2025, your annual contributions are:

7.4% of your annual salary below the year's maximum pensionable earnings (YMPE), plus 10.5% of your annual salary above the YMPE.

In other words, you contribute:

• $7.40 for every $100 you earn below the YMPE
• $10.50 for every $100 you earn above the YMPE

For 2025, the YMPE is $71,300.

Upcoming contribution increase

As of July 1, 2025, contribution rates will be increasing. Please visit our Special Edition OPB News for Police Officers and Civilians to learn more.

Contribution rates across public sector plans in Ontario

Please see the chart below for a view of how OPB’s contribution rates remain comparable to the public sector plans in Ontario.

1 Effective January 1, 2027, OMERS officer rates will change to 9.6% below the YMPE and 16.7% above, and OMERS civilian rates will change to 8.6% below the YMPE and 15.7% above