After working as a civilian for 10 years, Todd became a police officer and his normal retirement age changed from 65 to 60. As a result of the normal retirement age conversion, an adjustment was applied to his normal retirement age 65 . His credited service was reduced by 2.5 years. Todd did not buy the 2.5-year service adjustment. When Todd turned 58, the cost to buy the service adjustment had reduced to zero. Since he was still working as a police officer at this point, OMERS automatically restored the 2.5 years of credited service and provided Todd with a notice and updated credited service record.
You are eligible for an unreduced normal retirement age 60 pension at age 60, regardless of your service, or when you are at least age 50 and you have 30 years of service* or the 85 Factor (age + plus service* = 85).
You are eligible for an unreduced normal retirement age 65 pension at age 65, regardless of your service, or when you are at least age 55 and you have 30 years of service* or the 90 Factor (age + plus service* = 90).
*Includes credited plus .