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Plan Texts

Plan texts are legal documents that define the benefits and administration rules of a registered pension plan, and are filed with the regulators. All Plan changes approved by the SC from 2007 to January 1, 2014 have been incorporated in the current OMERS Primary and Supplemental Plan texts.


OMERS Primary Plan text

Under the OMERS Act, 2006, the pension plan that was governed by the old Ontario Municipal Employees Retirement System Act prior to June 30, 2006 was continued as the OMERS Primary Pension Plan (Primary Plan), was restated on January 1, 2011 to consolidate amendments made since June 30, 2006 and again on January 1, 2014 to reflect further amendments.  The plan text should be viewed in conjunction with plan change by-laws passed from time to time which will be posted here.

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View Primary Plan text .pdf
Download
(690 KB)
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View SC By-Law No. 32 .pdf
By-Law No. 32 outlines changes to the OMERS Plans pertaining to contribution rates. Approved: August 19, 2014/Effective Date: January 1, 2015.
Download
(156 KB)
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View SC By-Law No. 34 .pdf
By-Law No. 34 outlines changes to the AVC Program, Supplemental Plan contribution rates and related 'rebound rates' of the Primary Plan. Approved: August 31, 2016/Effective Date: January 1, 2017.
Download
(628 KB)
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View SC By-Law No. 35 .pdf
By-Law No. 35 outlines the technical changes pertaining to the Primary and Supplemental Plans. Approved: August 31, 2016/Effective Date: January 1, 2017.
Download
(747 KB)
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View SC By-Law No. 36 .pdf
By-Law No. 36 outlines technical changes to the AVC Program of the Primary Plan and changes concerning Commuted Values, Service Buy Backs, Dual Membership and Foreign Employment in the Primary and Supplemental Plans. Approved: August 23, 2017.
Download
(4.5 MB)
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View SC By-Law No. 37 .pdf
By-Law No. 37 provides information regarding the City of York Employee Pension Plan merging into the Primary Plan pursuant to a pension transfer agreement between the Administration Corporation, Sponsors Corporation and the City of Toronto.
Download
(3.6 MB)
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View SC By-Law No. 38 .pdf
By-Law No. 38 provides information regarding the approved Plan changes pertaining to the NRA 60 option for Paramedics and the elimination of the 35-year cap on credited service. Approved: February 15, 2019/Effective January 1, 2021.
Download
(422 KB)
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View SC By-Law No. 39 .pdf
By-Law No. 39 outlines certain changes regarding the merger of the Toronto Civic Employees’ Pension Plan into the Primary Plan. Approved: August 22, 2019.
Download
(4.1 MB)
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View SC By-Law No. 40 .pdf
By-Law No. 40 outlines certain changes regarding the merger of the Metropolitan Toronto Police Benefit Fund into the Primary Plan. Approved: October 10, 2019.
Download
(2.0 MB)
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View SC By-Law No. 41 .pdf
By-Law No. 41 outlines certain changes regarding the merger of the Metropolitan Toronto Pension Plan into the Primary Plan. Approved: November 14, 2019.
Download
(2.0 MB)
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View SC By-Law No. 42 .pdf
By-Law No. 42 implements Shared Risk Indexing effective January 1, 2023. It establishes the structure for the SC Board to determine the amount of the inflation adjustment in future years. Approved: June 24, 2020.
Download
(144 KB)
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View SC By-Law No. 43 .pdf
By-Law No. 43 implements the expanded eligibility of Non-Full-Time employees. It is also effective January 1, 2023. Approved: June 24, 2020.
Download
(137 KB)
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View SC By-Law No. 44 .pdf
By-Law No. 44 updates several section references following the changes approved last year to incorporate pre-existing City of Toronto plans into OMERS. The change is effective as of June 24, 2020 and has no impact on plan members.
Download
(131 KB)
File icon
View SC By-Law No. 45 .pdf
By-Law No. 45 implements three proposals to lessen the burden on plan members resulting from layoffs or leaves of absence to due COVID-19. This by-law is effective June 24, 2020.
Download
(165 KB)

OMERS Supplemental Plan text

The OMERS Supplemental Pension Plan for police, firefighters and paramedics (Supplemental Plan) is a separately funded, stand-alone registered pension plan that offers optional benefits that are not available under the Primary Plan.  The Supplemental Plan came into effect on July 1, 2008, was restated on January 1, 2011 to consolidate amendments made since July 1, 2008 and again on January 1, 2014 to reflect further amendments.  The plan text should be viewed in conjunction with plan change by-laws passed from time to time which will be posted here.

File icon
View Supplemental Plan text .pdf
Download
(620 KB)
File icon
View SC By-Law No. 32 .pdf
By-Law No. 32 outlines changes to the OMERS Plans pertaining to contribution rates. Approved: August 19, 2014/Effective Date: January 1, 2015.
Download
(156 KB)
File icon
View SC By-Law No. 34 .pdf
By-Law No. 34 outlines changes to the AVC Program, Supplemental Plan contribution rates and related 'rebound rates' of the Primary Plan. Approved: August 31, 2016/Effective Date: January 1, 2017.
Download
(628 KB)
File icon
View SC By-Law No. 35 .pdf
By-Law No. 35 outlines the technical changes pertaining to the Primary and Supplemental Plans. Approved: August 31, 2016/Effective Date: January 1, 2017.
Download
(747 KB)
File icon
View SC By-Law No. 36 .pdf
By-Law No. 36 outlines technical changes to the AVC Program of the Primary Plan and changes concerning Commuted Values, Service Buy Backs, Dual Membership and Foreign Employment in the Primary and Supplemental Plans. Approved: August 23, 2017.
Download
(4.5 MB)
File icon
View SC By-Law No. 37 .pdf
By-Law No. 37 provides information regarding the City of York Employee Pension Plan merging into the Primary Plan pursuant to a pension transfer agreement between the Administration Corporation, Sponsors Corporation and the City of Toronto.
Download
(3.6 MB)
File icon
View SC By-Law No. 38 .pdf
By-Law No. 38 provides information regarding the approved Plan changes pertaining to the NRA 60 option for Paramedics and the elimination of the 35-year cap on credited service. Approved: February 15, 2019/Effective January 1, 2021.
Download
(422 KB)
File icon
View SC By-Law No. 39 .pdf
By-Law No. 39 outlines certain changes regarding the merger of the Toronto Civic Employees’ Pension Plan into the Primary Plan. Approved: August 22, 2019.
Download
(4.1 MB)
File icon
View SC By-Law No. 40 .pdf
By-Law No. 40 outlines certain changes regarding the merger of the Metropolitan Toronto Police Benefit Fund into the Primary Plan. Approved: October 10, 2019.
Download
(2.0 MB)
File icon
View SC By-Law No. 41 .pdf
By-Law No. 41 outlines certain changes regarding the merger of the Metropolitan Toronto Pension Plan into the Primary Plan. Approved: November 14, 2019.
Download
(2.0 MB)
File icon
View SC By-Law No. 42 .pdf
By-Law No. 42 implements Shared Risk Indexing effective January 1, 2023. It establishes the structure for the SC Board to determine the amount of the inflation adjustment in future years. Approved: June 24, 2020.
Download
(144 KB)
File icon
View SC By-Law No. 43 .pdf
By-Law No. 43 implements the expanded eligibility of Non-Full-Time employees. It is also effective January 1, 2023. Approved: June 24, 2020.
Download
(137 KB)
File icon
View SC By-Law No. 44 .pdf
By-Law No. 44 updates several section references following the changes approved last year to incorporate pre-existing City of Toronto plans into OMERS. The change is effective as of June 24, 2020 and has no impact on plan members.
Download
(131 KB)
File icon
View SC By-Law No. 45 .pdf
By-Law No. 45 implements three proposals to lessen the burden on plan members resulting from layoffs or leaves of absence to due COVID-19. This by-law is effective June 24, 2020.
Download
(165 KB)

OMERS Retirement Compensation Arrangement

The retirement compensation arrangement (RCA) for the OMERS Primary Plan is a separate arrangement that provides benefits to members of the Primary Plan whose earnings exceed the benefit limits that may be provided under a registered pension plan under the Income Tax Act (ITA).

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View RCA text .pdf
(amended and restated June 30, 2007)
Download
(133 KB)
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View SC By-Law No. 24-01 .pdf
By-Law No. 24-01 sets the conditions for making annual changes to the earnings threshold. Approved: December 10, 2014
Download
(160 KB)
File icon
View SC By-Law No. 32 .pdf
By-Law No. 32 outlines changes to the OMERS Plans pertaining to contribution rates. Approved: August 19, 2014/Effective Date: January 1, 2015
Download
(156 KB)
File icon
View SC By-Law No. 36 .pdf
By-Law No. 36 outlines the technical changes pertaining to the Primary and Supplemental Plans and the RCA. Approved: August 31, 2016/Effective Date: January 1, 2017
Download
(4.5 MB)
File icon
View SC By-Law No. 45 .pdf
By-Law No. 45 implements three proposals to lessen the burden on Plan members resulting from layoffs or leaves of absence to due COVID-19. This by-law is effective June 24, 2020.
Download
(165 KB)