Your Re-employment Questions
Once I retire, do I have to wait to return to work?
If you plan on working after retirement, your arrangement to return to work in education directly or indirectly for a participating employer must be made after the later of the date we receive your pension application or the date of your resignation.
A resignation is considered valid only if:
- your employer confirms acceptance of your resignation without condition;
- no arrangement has been made to return to work in education; and
- you've either received, or arrangements have been made to pay, any applicable gratuity.
What do I need to do if I want to work after retirement?
If you provide services for an employer that participates in the Ontario Teachers' Pension Plan:
- Let your employer know you're collecting a pension when you accept a job.
- Track the number of days you work.
- Notify us immediately if you work after the month in which you exceed the re-employment limit. We'll suspend your pension for as long as you work, even if you work for only part of a day.
You are. While your employer will report all re-employment service to us, you're required to track your days and contact us if you plan to work after the month in which you exceed the re-employment limit.
You can work until the end of the month in which you exceed the re-employment limit without affecting your pension. If you continue to work after the month in which you exceed the re-employment limit, even if for only part of a day, you won't receive your pension for that month. Your pension will resume on the earlier of:
- the month in which you have no re-employment service, or
- September 1 following the school year in which your pension was suspended.
Notify us immediately if you plan to work after the month in which you exceed the re-employment limit. We'll suspend your pension for as long as you continue to work.
If my 50th day of re-employment occurs on March 31 and I work on April 1, can I work in April without affecting my pension?
Yes. Since you exceeded the 50-day limit in April, you can work until the end of April without affecting your pension. If you plan to work any additional days of the same school year, you must notify us and we will suspend your pension.
My employer hires retired teachers through a third party. Do re-employment rules apply for these types of employment arrangements?
Yes, re-employment rules apply to these types of work arrangements. The definition of "re-employed pensioner" includes all re-employment, teaching or non-teaching, whether done on an employment, self-employment or third-party basis.
What kind of work counts toward the re-employment limit?
Any re-employment for which you're entitled to compensation counts toward the re-employment limit. This includes any re-employment done directly or indirectly on an employment, self-employment or third-party basis for an employer who participates in the plan.
If you work as a volunteer and the position or duty is normally compensated, you and your employer can't forgo payment to circumvent re-employment rules.
I'm teaching part-time at a local college. Do working after retirement rules apply?
There are unique re-employment guidelines if you work at faculties of education at Ontario universities, Ontario colleges, Ryerson University and ministries of the Ontario government after you retire. Contact us for more information.
What counts as a day?
If you're hired on a part-time basis, days count in direct proportion to your contract percentage. For example, if you're on a 33% contract and work one-third of a day, three days would count as one day of re-employment.
If you're paid by the hour, or hired for a specific task, check with your employer to determine what constitutes a working day for someone in that position.
Also, be sure to include paid non-working days such as sick days and professional development days when tracking your re-employment service.
If I'm unsure whether re-employment rules apply to my situation, should I contact Ontario Teachers' or my employer for clarification?
You should always contact us before you begin working after retirement if you're unsure about re-employment rules. Where questionable situations are discovered, we'll consider the work after retirement subject to the re-employment rules if the arrangement is in place to escape the application of the re-employment rules.
My employer asked me to work a few days in August to help get ready for the new school year. Which school year does this work fall under?
It depends on the start date of your board’s calendar.
- Board calendar start date for the 2016/2017 school year is August 29, 2016
- Your employer asks you to help set up a classroom on August 26, 2016
If you’ve already exceeded your re-employment limit for the 2015/2016 school year, the set-up day will count toward the 2015/2016 school year. As a result, your pension will be suspended in August and resume in September.
Since employers have varying calendars, make sure to contact your employer to confirm which school year your work days in August fall under.