Purchase of Service

 

Maternity Leave

You may contribute while on maternity leave. To be eligible you must be a contributing member with a participating employer of the Civil Service Superannuation Fund.

 

The option to contribute while on maternity leave must be made prior to beginning the leave.

 

The cost to purchase this leave is the required contribution rate in effect in the applicable year(s) as for active employees.

 

Contact your payroll/personnel office for an application form.

 
Parental/Adoptive Leave

You may contribute while on parental leave. To be eligible you must be a contributing member with a participating employer of the Civil Service Superannuation Fund.

 

The option to contribute while on parental leave must be made prior to beginning the leave.

 

The cost to purchase this leave is the required contribution rate in effect in the applicable year(s) as for active employees PLUS an equal matching portion.

 

Contact your payroll/personnel office for an application form.

 

Special Service Buy Back (SSBB)

An employee has the option of purchasing service for a period of employment that is not already pensionable and the period is with an employer who was and is currently participating in the pension plan.

 

This includes:

  • Leaves of absence or lay-off.

  • Part-time or casual service an employee has with a participating employer of the Fund during which the member did not contribute to the Fund (for example, if the member worked part-time for 0.6000 of a year, the eligible service for buy back would be 0.4000 of a year in order to obtain 1.0000 year of pensionable service).

  • Maternity or parental leave that the member elected not to purchase in the past.

  • Previous Fund pensionable service that had been refunded to the member.

 

Excludes contract employment

 

You may apply to purchase eligible service at any time prior to termination or retirement.

 

The cost to purchase this period of service is full actuarial cost based on your salary, age and actuarial assumptions in effect at the date of application. The employee pays the full cost, with no employer funding. To view a chart with examples of the costs to purchase SSBB, CLICK HERE

 

For additional information and to print the SSBB Application Form, click here

 

Prior Service – Reinstatement

If you previously contributed and have re-entered the Plan, previously accumulated pensionable service can be reinstated if:

  • you did not withdraw or transfer any portion of the pension benefits for that service;

  • you re-enter the Plan within three years of leaving; and

  • you apply within two years of re-entering the Plan.

 

Note: If you transferred pension benefits in respect of a prior period because you were required under the Act to do so, you may be eligible to reinstate that service (subject to the applicable time deadlines), if you repay any amount refunded (if applicable) plus whatever amount is necessary to reinstate the account.

 

Contact the Board office to determine if you are eligible to reinstate prior service.

 

Prior Non-Pensionable Service (PNE)

You can convert non-pensionable service into pensionable service if

  • the service was with a participating Plan employer and was immediately before the date that pensionable service began;

  • the position held during non-pensionable service would, for an employee in the same position today, require contributions to the Plan;

  • the employment was continuous as defined in the Plan text;

  • you worked at least 1/2 time; AND

  • the service is not prior to a termination (resignation, dismissal, or permanent lay-off)

 

The cost will be based on your salary at the date of application.

 

Contact your payroll/personnel office for an application form.

 

Reduced Hours in the Last 5 Years of Employment

If your work frequency changes from full-time to less than full-time (approved by the employer) and you are within five years of being eligible for an unreduced pension, you are eligible to contribute to the Fund based on full-time service.

 

The option to contribute on the fulltime service must be made prior to beginning the reduction in service.

 

The cost to purchase the period of reduced service is based on the employee’s salary at the date of the hours being reduced based on required contribution rate in effect in the applicable year(s) PLUS an equal matching portion. The employee pays for the full cost with no employer funding.

 

Contact your payroll/personnel office for an application form.

 

Workers’ Compensation Benefits (WCB)

A member has the option of contributing to the pension plan where, under The Workers Compensation Act, an employee is awarded compensation for a temporary total disability caused by an accident arising out of and in the course of his/her employment.

 

If you elect within two months of the date of the Workers’ Compensation award, you would contribute on the salary rate immediately prior to the accident plus increments (if eligible) based on the required contribution rate in effect in the applicable year(s).

 

If you elect at any time before the expiration of 18 months after the end of the period during which Workers’ Compensation benefits were paid, the cost will be based on the your annual salary at the date of application and will be twice the contribution rate in effect for earnings over the YMPE maximum.

 

Contact your payroll/personnel office for an application form.

 

On Loan or Educational Leave

You can choose to do the following within two months of your Leave, depending on your situation:

 

On Loan or Educational Leave without Salary or on an Allowance

You may elect to accumulate pensionable service by paying twice the employee contributions based on the full salary you were receiving before the leave began or on the allowance received during the leave.

 

On Loan or Educational Leave with Part Salary

You must (if on Loan), or may (if on Educational Leave) make employee contributions based on part salary. You can also elect to pay twice the employee contributions based on the balance of your full salary before the leave began to maintain pensionable service.

 

On Loan or Educational Leave with Full Salary

You must (if on Loan), or may (if on Educational Leave) pay employee contributions on your full salary.

 

You can also make a late choice within 18 months of returning from a period of educational leave, however, the contribution rate will be higher. Your payroll/personnel office or the Board office can provide you with more information.

 

Canadian Forces Reserves

An employee may purchase the service for a period of unpaid leave received under section 59.5 of The Employment Standards Code (unpaid leave for a reservist).

 

You must file the application form within six months after the end of the period of leave.

 

The cost to purchase this period of service is the required contribution rate in effect and is based on you annual salary during the period of leave.

 

Deferred Salary Leave

If an employee is permitted by the employer to defer salary so that this salary is paid during a period of a leave of absence, the deferred salary paid is NOT pensionable earnings and contributions cannot be deducted from these earnings. Employees will not accumulate service during this period of leave.

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