For OPP members

The Ontario Provincial Police makes up one of the largest membership groups in the PSPP. If you’re an OPP officer or civilian joining the Plan, we encourage you to read this page to learn about your contributions to the Plan.

How do contributions work?

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.

For OPP officers:

You contribute a certain percentage of your annual salary up to the year's maximum pensionable earnings (YMPE), and contribute another percentage above the YMPE. You contribute 10.60% of your annual salary up to the YMPE, plus 13.90% of your annual salary above the YMPE.

In other words, you contribute:

  • $10.60 for every $100 you earn below the YMPE, plus
  • $13.90 for every $100 you earn above the YMPE

These rates include the additional 1.5% of annual salary OPP officers and their employer each contribute to cover the cost of the 50/30 unreduced early retirement benefit. You are eligible for a 50/30 unreduced early retirement benefit if you’re 50 years old and you’re an OPP officer with at least 30 years of pension credit.

For OPP civilians:

You contribute a certain percentage of your annual salary up to the year's maximum pensionable earnings (YMPE), and contribute another percentage above the YMPE. You contribute 9.65% of your annual salary up to the YMPE, plus 12.95% of your annual salary above the YMPE.

In other words, you contribute:

  • $9.65 for every $100 you earn below the YMPE, plus
  • $12.95 for every $100 you earn above the YMPE

For 2026, the YMPE is $74,600.

These rates include the additional 0.77% of annual salary OPP civilians and their employer each contribute to cover the cost of the Factor 85 unreduced early retirement benefit. You are eligible for a Factor 85 unreduced early retirement benefit if your age plus pension credit equal a minimum of 85 points, and retire as an OPP civilian.