Long-term income protection (LTIP) old rules

Pre-2016 LTIP rules for all members & post-2015 LTIP rules for certain members

The following applies to you if either:

  1. You have been approved for LTIP as a result of a disability that occurred before January 1, 2016 (January 1, 2017 for Case Management Masters, January 1, 2018 for TVO employees, September 1, 2018 for Walkerton Clean Water Centre employees, or April 1, 2020 for Justices of the Peace) or
  2. You have been approved for LTIP as a result of a disability that occurred on or after January 1, 2016, and you are:
    • An employee of a ministry (including Cabinet Office), commission public body or the Lieutenant Governor's office, and you are represented by one of the following:
      • The Association of Management, Administrative and Professional Crown Employees of Ontario (AMAPCEO)
      • The Ontario Crown Attorneys' Association (OCAA)
      • The Association of Law Officers of the Crown (ALOC)
    • An employee of a First Nations police force
    • An employee of the Ontario Teachers' Pension Plan Board
    • An employee of certain public bodies
    • The Office of the Ombudsman of Ontario
    • The Financial Accountability Office of Ontario
    • The Office of the Chief Electoral Officer
    • The Office of the Information and Privacy Commissioner of Ontario
    • The Office of the Integrity Commissioner of Ontario
    • The Office of the Legislative Assembly (including Offices of Members of Provincial Parliament)

Your employer will make both member and employer matching pension contributions to the PSPP. Every January, your salary will be adjusted for inflation and your contributions will be recalculated.

While you are on LTIP, you will continue to earn pension credit at the same level you did before the disability occurred. For example:

  • If you worked full time before you were on LTIP, you will continue to earn full pension credit during your LTIP period
  • If you worked 60% of full time before you were on LTIP, you will continue to earn 60% of full-time pension credit during your LTIP period

Provided you continue to qualify for LTIP and remain employed by your current employer, you can earn pension credit in the PSPP until you reach age 65. At that time you will be required to start your PSPP pension.

Yes. You can start your PSPP pension any time after reaching age 55 with an age-based reduction, or you can begin an unreduced PSPP as soon as you meet an early unreduced retirement date under the PSPP. However, under many (if not all) LTIP policies, LTIP payments are offset dollar for dollar by pension payments from the PSPP.

Depending on the terms of your LTIP coverage, you may continue to receive LTIP benefits from your LTIP carrier until you reach age 65. If you are a Justice of the Peace and you qualified for LTIP prior to January 1, 2009, you may collect LTIP benefits until you reach age 70.

No, participating in a return-to-work program will not affect your PSPP contributions or the credit you earn while on LTIP. Your employer will continue to make all pension contributions, and you will continue to earn your regular pension credit.

Qualifying for WSIB benefits will not affect your PSPP contributions or the credit you earn while on LTIP. Your employer will continue to make all pension contributions, and you will continue to earn your regular pension credit.

Under many LTIP policies, LTIP payments are offset dollar for dollar for payments from WSIB. Even if you are not receiving any payments from your LTIP carrier, your pension benefits will be unaffected as long as you continue to qualify for LTIP.