Disability Pension

If you become disabled while employed in education, you may be eligible for a disability pension. To qualify, you must:

  • have at least 10 qualifying years of service in the Ontario Teachers' Pension Plan;
  • terminate employment in education and stop receiving any LTIP or WSIB loss of earnings benefits;
  • provide full and complete documentation of medical evidence that meets the requirements of the plan for a full or partial disability pension, as of the date you terminated employment; and
  • be under age 65.

You must submit a pension application within two years of your termination of employment in education. We'll only accept your application after the two-year deadline if a late diagnosis or your disability prevented you from applying on time.

Two types of disability pensions

  • Full disability pension – To be eligible for a full disability pension, we must determine that you're incapable of earning a living in any occupation. A full disability pension is based on 2% x credit (years) x average "best-five years of salary" less reductions for such things as survivor benefits.
  • Partial disability pension – To be eligible for a partial disability pension, we must determine that you're incapable of employment in the education field. Your partial disability pension is calculated like a full disability pension and then reduced by 2.5% for each point you're under your 85 factor or age 65, whichever is less.
    Example: If you are 46 and have 22 qualifying years of service, your pension would be reduced by 42.5% because you are 17 points under the 85 factor (17 x 2.5% = 42.5%).

Return to work

Your disability pension will be paid for as long as you remain disabled. If you return to work and receive pension payments you were not entitled to, you must return them, with interest. Please review the situations below to see how returning to work may affect your disability pension.

Type of pension Situation What happens to your pension? Do you need to contact us? When?
Type of pension
Full disability
Situation
Return to any type of work
What happens to your pension?
Stops
Do you need to contact us? When?
Yes, immediately
Type of pension
Partial disability
Situation
Return to work in education
What happens to your pension?
Stops
Do you need to contact us? When?
Yes, immediately
Type of pension
Partial disability
Situation
Return to work outside education
What happens to your pension?
Continues
Do you need to contact us? When?
No

How to apply

You'll find more information on how to apply for a disability pension in Your Disability Pension Kit.