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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.


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 on January 1, 2014, and again on January 1, 2021, to reflect further amendments. The Primary 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
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(944 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.
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(137 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 on January 1, 2014, and again on January 1, 2021, to reflect further amendments. The Supplemental 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 Supplemental Plan text .pdf
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(322 KB)

OMERS Retirement Compensation Arrangement

The Retirement Compensation Arrangement (RCA) for the OMERS Primary Pension Plan (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). The RCA was restated effective January 1, 2021 to consolidate amendments made since June 30, 2007.

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View RCA Plan text .pdf
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(165 KB)

In addition, there are two by-laws that pertain to the RCA Plan:

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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
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(160 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
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(156 KB)