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OTPP - Ontario Teachers' Pension Plan

DESIGNATED EMPLOYER STATUS 

University of Windsor Faculty of Education
 
On September 1, 2004, following application to Ontario Teachers’ Federation and the Ontario Teachers’ Pension Plan, the University of Windsor was granted designation as a non-profit educational institution (designated employer status) under the Ontario Teachers’ Pension Act, 1990. This designation allows those working in the Faculty of Education who are considered qualified and eligible, to contribute to the Ontario Teachers’ Pension Plan (OTPP). More information is available on the OTF website.
 
Who participates?
 
Employees who work in the Faculty of Education holding one of the following are considered qualified and eligible to contribute to the Plan:
  • Certificate of Qualification (including interim certificate). This certificate replaces the Ministry of Education’s Ontario Teaching Certificate, Ontario Qualification Record Card and Letters of Standing. Contributions begin as of the effective date of the certificate.
  • A Letter of Permission (LOP) obtained by your employer and issued by the Ministry of Education. Individuals teaching on a Letter of Permission may only contribute during the period for which the letter is issued. Once the letter expires, you are no longer eligible for plan membership. A copy of your LOP must be provided to Human Resources to activate your participation.
 Participation is compulsory for all persons working in the Faculty of Education who meet the eligibility qualifications, even if you are not teaching, but working in another capacity such as in an administration or support role. 
 
Employees who meet the requirements for membership in the OTPP Plan will be contacted by the Department of Human Resources. 
 
Who is excluded?
  • Employees with Letters of Eligibility are not eligible to contribute to the Plan until such time as an Interim Certificate of Qualification is received.
  • Employees with other provincial certifications are not eligible to contribute to the Plan until such time as Ontario certification is received.
 Employees who obtain the required qualifications after employment begins are responsible to notify the Department of Human Resources so enrolment and participation in the OTPP Plan can commence on time. 
 
Those ineligible for membership in the OTPP Plan may be eligible to participate in either the University of Windsor Retirement Plan for Faculty and Certain Employees, or the Employees’ Retirement Plan. Such employees will be advised in writing by the Department of Human Resources upon meeting the eligibility requirements.
 
Teaching when employed on a full time basis in a full time school year
  • If you are currently contributing to the OTPP on a full time school year basis elsewhere, you are not required to make contributions on any additional employment during the same school year, as a member can only accrue one full year of service credit. However, you may choose to contribute on this additional employment as it could be at a higher per diem and therefore have an impact on your pension.
  • It is the responsibility of the individual to notify the Department of Human Resources if you do not wish to contribute on University of Windsor earnings. Contributions will be deducted on all pensionable earnings unless notification is received.
Working at the University of Windsor Faculty of Education while in receipt of an OTPP pension
  • Individuals receiving a monthly pension from the OTPP are not required to contribute to the Plan.
Special rules exist for individuals receiving an OTPP pension. There are limits on the number of days a retiree can work after retirement without affecting his/her pension.  As each person’s situation may be unique, we recommend you consult the OTPP website under ‘re-employment and teaching after retirement’, to obtain full information about working in education after retirement.  More information about these special rules are available on the OTPP website.
 
In general, for years prior to September 1, 2012, you can work in education without affecting your pension for up to:    
  • 95 days in each of the first three school years in which you return to work (these don’t need to be consecutive years); and
  • 20 days each school year for subsequent years
It is the responsibility of the individual to monitor their teaching days in accordance with the retirement rules, and to notify OTPP if they exceed the 95-day or 20-day limit. Contributions will be deducted on all pensionable earnings unless you notify the Department of Human Resources that you are in receipt of a monthly OTPP pension. 
 
IMPORTANT NOTICE for those working in a Re-employment capacity:
 
September 1, 2010 Re-employment changes:
Effective September 1, 2010 the definition of re-employed pensioner has been expanded.  For pension plan purposes, you are considered a re-employed pensioner and subject to re-employment rules if you meet the following condtions:
  • you have ceased employment in education;
     
  • you have applied for a retirement pension under the plan; and
     
  • you are then employed or otherwise engaged, directly or indirectly, to provide service for compensation for an employer who participates in the Plan. As a designated employer, this includes the Faculty of Education at the University of Windsor

This definition includes all re-employment, teaching or non-teaching, whether done on an employment, self-employment or third-party basis.  It is your responsibility to determine whether the expanded definition applies to you and to comply with the re-employement regulations.  If you are unsure as to your status, contact OTPP for confirmation.  Be sure to notify the University if and when contributions are to resume on your behalf.

September 1, 2012 Re-employment changes:
The following two changes will become effective September 1, 2012.
  1.  New 50 day limit. Beginning September 1, 2012 the limit for re-employment is changing to a single-tier limit of 50 days per school year throughout a pensioner's retirement.  
                                   
  2. Employers to report re-employment service.  Employers will be required to report all re-employment service beginning in the 2012/2013 school year, whether you are contributing to the OTPP plan or not.  Members will still be required to track their days and are to contact Teachers' if they exceed the new re-employment limit of 50 days. 

    It is the responsibility of the individual to monitor their teaching days in accordance with the retirement rules, and to notify OTPP if they exceed the 50 day limit. Contributions will be deducted on all pensionable earnings unless you notify the Department of Human Resources that you are in receipt of a monthly OTPP pension. 
     

Your 2014 service credit days for each course taught can be calculated by dividing the sessional course rate stated on your appointment letter by $394.68.  

Your 2015 service credit days for each course taught can be calculated by dividing the sessional course rate stated on your appointment letter by $394.68.  

Your 2016 service credit days for each course taught can be calculated by dividing the sessional course rate stated on your appointment letter by $400.60.  

For more information  on the daily rate calculations, consult the sessional information sheet under the Information Sheets menu item. 

 

NEW!!! CLICK HERE TO REVIEW THE OTPP NEW RE-EMPLOYMENT GUIDELINES

 More information about these special rules is available on the OTPP website.

  Full details on the Ontario Teachers' Pension Plan can be obtained by visiting the OTPP website.  

  OTPP dedicated hotline numbers for plan member inquiries:
  Toronto area -->  416-226-2700
  Toll free --> 1-800-668-0105 
Once connected, plan members may need to enter their social insurance number, so you are encouraged to have this information handy before calling, to ensure the fastest and most personalized service possible.