This guide covers all aspects of your OMERS membership, starting from the day you enrol. While we periodically update and reprint this guide, you’ll always find the most up-to-date version online.

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Introduction
1. Membership
2. Contributions and Funding
3. Service
4. Retirement
5. Inflation Protection
6. Disability Benefits
7. Options when Leaving Employment
8. Separation and Divorce
9. Survivor Benefits
10. OMERS and Income Tax
11. How to Reach Us (and Other Info)

If there is any disagreement between this information and the OMERS Act, 2006 and Plan text, the OMERS Act, 2006 and Plan text will rule.