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Prepare for life after work with OMERS retirement planning resources.

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When can I retire?

You can begin to receive an early retirement pension on or after your early retirement birthday, provided you terminate employment with your OMERS employer. Depending on how many years you’ve been in the OMERS Plan, you’ll be entitled to either an unreduced pension or a reduced pension.

Early and normal retirement

How do I apply for an OMERS pension?

If you are still working for an OMERS employer, you must advise your employer. Your employer will complete a pension application and submit it to OMERS along with supporting documents. If you are no longer working for an OMERS employer, you will need to complete an application form.

Pension application form (members no longer working for an OMERS employer)

How do I get a Pension Estimate so I can plan my retirement?

For an estimate based on the information we have on file, use the myOMERS Retirement Income Estimator. Your milestone dates are provided for you (your early and normal retirement dates) or you can pick other dates you have in mind. You can also take your estimate a step further and add in income from personal savings, CPP and OAS, and then get a snapshot of your estimated net (after tax) income before and after retirement.

Did you know? The Retirement Income Estimator produces exactly the same estimate that you would get if you requested one by contacting OMERS – and it takes just a few minutes!

Get started with the myOMERS Retirement Income Estimator

Preparing to retire

Preparation for retirement includes estimating what your income will be – from all sources – once you retire. OMERS will provide you with a pension when you retire, but this won’t be your only source of income. We can help you begin thinking about what you'll need in your life after work.

Learn more about preparing to retire

About your OMERS pension

Are you a retired member? Find everything you need to know about OMERS pensions, taxes, inflation protection and your financial wellness in retirement.

Learn more about your OMERS pension

Life in retirement

Retirement may be new to you, but it isn’t to OMERS and to our retired members. Here, we provide information and member advice on how best to prepare for and to enjoy your life after work.

Learn more about life in retirement

Retirement financial wellness

Financial planning can help you get the most out of your money.

Get the most out of your money

Advice from members

What our members say about retirement...

Read advice from members


The myOMERS Retirement Income Estimator produces an estimate based on the information we have on file.