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.

OPB regularly reviews our contribution rates to ensure that they are sufficient to fund future pension benefits. In 2025, the Plan Sponsor, the Government of Ontario, approved a contribution rate increase which will take place over three phases: July 1, 2025, October 1, 2025, and April 1, 2026. To learn more about this decision, read our Special Edition OPB News.

For OPP officers:

You contribute a certain percentage of your annual salary up to the year's maximum pensionable earnings (YMPE), with another percentage above the YMPE. The three phases of the contribution rate increase means that you will contribute:

Once the contribution rate increase is fully phased in, you will contribute: 10.60% of your annual salary up to the YMPE, plus 13.90% of your annual salary above the YMPE.

From July 1, 2025 to September 30, 2025, you contribute:

• $10.00 for every $100 you earn below the YMPE, plus
• $13.20 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), with another percentage above the YMPE. The three phases of the contribution rate increase means that you will contribute:

Once the contribution rate increase is fully phased in, you will contribute: 9.65% of your annual salary up to the YMPE, plus 12.95% of your annual salary above the YMPE.

From July 1, 2025 to September 30, 2025, you contribute:

• $8.92 for every $100 you earn below the YMPE, plus
• $12.10 for every $100 you earn above the YMPE

For 2025, the YMPE is $71,300.

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.

Contribution rate comparison

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