Active Member

As a Regular or Civilian Member you participate in the RCMP Pension Plan under the Royal Canadian Mounted Police Superannuation Act (RCMPSA). You're also entitled to certain group insurance benefits.

As an active Regular Member, your Supplemental health and dental services are administered by the RCMP Occupational Health Services Branch.

As an active Civilian Member, your Supplemental health and dental services are administered by the Public Service Health Care Plan (PSHCP) and the Public Service Dental Care Plan (PSDCP).

Dependents of all active members are also entitled to Supplemental health and dental services under the PSHCP and PSDCP.

This site is organized by life events that may apply to you as an active member of the RCMP. These include changes to your marital status, becoming a parent, and preparing for retirement, among others.

By selecting one of the life events you'll learn about your potential entitlements.

To find out the meaning of a specific term, please consult the Glossary.

Life events

New to the RCMP

The RCMP Pension Plan and group insurance benefits plans provide you, as a member, with peace of mind today and for years to come.

The RCMP Plan Enrolment Information Package is available for new or re-employed members and will be mailed to you by the Government of Canada Pension Centre. Some aspects of the plan are time-sensitive, so it's suggested that you review this document as soon as possible.

While you're employed as an active member of the RCMP, you earn both pensionable service and service in the Force. Combined, they determine your benefit eligibility under the RCMP Pension Plan.

In general, service in the Force determines the type of benefit, such as an Immediate Annuity.

Pensionable service determines the amount of the benefit. While a given period of service may or may not be pensionable, all service with the RCMP is considered service in the Force.

Pensionable service transferred from other plans to the RCMP Pension Plan may also be considered as service in the Force.

Listed below are some common questions and answers that may be of interest to you as a member of the RCMP.

Are you eligible to join the RCMP Pension Plan?

Participation in the RCMP Pension Plan is mandatory for all full-time members (and part-time members working at least 12 hours per week) and begins on your date of engagement.

What does your RCMP Pension Plan include?

Please refer to the Pension Entitlement Information Package for a summary of what the plan offers.

What is the legislation that governs your RCMP Pension Plan?

The main provisions of the RCMP Pension Plan are governed by the Royal Canadian Mounted Police Superannuation Act (RCMPSA) and the Royal Canadian Mounted Police Superannuation Regulations (RCMPSR).

What are some of the pension-related considerations if you left the RCMP and then came back again as a member?

You may be able to apply your prior RCMP service to your pensionable service and service in the Force based on what you did on your most recent discharge:

  • If you left a benefit with the RCMP Pension Plan, that prior service is automatically included in your pensionable service and service in the Force totals.
  • If you surrendered a benefit with the RCMP Pension Plan to the Public Service or Canadian Forces Pension Plan, you can surrender that prior service on re-engagement.
  • If you took a lump sum, such as a return of contributions plus interest or a Transfer Value you may be eligible to ‘buy back' those past periods. Please refer to the Service Buyback Package.

If you are eligible to buy back prior service, you can estimate the cost by using the Secure Pension Web Applications - Service Buyback Estimator, within certain Limitations. More details are available in the Service Buyback Package.

You must be connected to the RCMP internal network to obtain access to the Secure Pension Web Applications.

What are some of the pension-related considerations if you've worked outside the RCMP in the past?

You may be able to transfer pensionable service earned as an employee of the federal public service under the Public Service Superannuation Act (PSSA) or as an employee of the Department of National Defense under the Canadian Forces Superannuation Act (CFSA).

You may also be eligible to transfer pensionable service from a former outside employer through a Pension Transfer Agreement (PTA) or through a Service Buyback Package.

Is there a limit to the amount of pensionable service you may accrue?

Yes. You may accrue up to a maximum of 35 years of pensionable service through the following types of service:

  • Service for which you contributed to the RCMP Pension Plan through deductions from your salary
  • Past service you've purchased
  • Past service you've transferred from another pension plan
  • Pensionable service with other federal government pension plans, such as the Canadian Forces Pension Plan and/or the Public Service Pension Plan

When you reach the maximum of 35 years of pensionable service, your contributions are reduced to one percent of your salary to ensure that future pension benefits are protected from inflation. Although you will not accrue additional years of pensionable service after reaching the maximum, your salary during this period will be used to determine the best 5-year average annual salary upon which your pension benefits will be calculated. Note that service in the Force is not limited to 35 years.

What insurance or other benefits are available to you?

The following plans may be available to you:

  • Basic Health Care: As of April 1, 2013, Regular Members are covered under their Provincial/Territorial Health Care Plans.
  • RCMP Supplemental Health Care Benefits provide Regular Members with coverage for supplementary health and dental services. In addition, eligible members may receive coverage for Occupational Health Care Benefits. Both types of benefits are available at no cost to eligible members with limitations as outlined in the RCMP Benefits Grid. Eligible members should use their Blue Cross Health Identification Card for all supplemental and occupational health care benefits. Regular Members should direct all questions or issues to their appropriate Occupational Health Services office. Contact information may be found on the internal RCMP InfoWeb.
  • For active members who live in provinces or territories where a contribution is required for provincial health care, Employer Contribution to Provincial Health Insurance will explain how your employer shares the contribution.
  • Public Service Dental Care Plan (PSDCP) provides Civilian Members, their dependents, and the dependents of Regular Members with coverage, up to certain limits, for dental service and supply expenses. Coverage under the PSDCP begins after three months of continuous employment.
  • Public Service Health Care Plan (PSHCP) provides supplementary health care coverage for Civilian Members, their dependents, and the dependents of Regular Members.
  • RCMP Group Life, Accidental Death and Dismemberment and Disability insurance plans are offered to Regular Members and Civilian Members. The Group Life Insurance Plans are administered by Morneau Shepell on behalf of the RCMP. For more information on insurances for active members, please refer to the Morneau Shepell website.

Who can you designate as your beneficiary and why?

In the absence of a qualified survivor, the RCMP Pension Plan will pay up to five years' worth of pension payments to your designated beneficiary. If you're not entitled to a pension, the value of your return of contributions or Cash Termination Allowance would also be payable to your beneficiary.

You are entitled to only one designated beneficiary. You may designate one of the following:

  • Any person 18 years of age or older at the time of designation
  • Your Estate
  • Any charitable or benevolent organization or institution
  • Any educational or religious organization or institution that is supported by donations

You can name or change your beneficiary by completing the Naming or Substitution of a Pension Beneficiary form. To be valid, your beneficiary designation form must be received by the Pension Centre prior to your death. If you are unaware of whom you've named as your beneficiary, contact the Pension Centre.

The Naming or Substitution of a Pension Beneficiary form needs to be completed only if you do not have a survivor and/or a dependent. If there is a survivor and/or dependent children at the time of your death, the payment of a lump sum amount or annual allowance will automatically be made to them regardless of the designation of beneficiary.

Does your Will affect who receives benefits in the event of your death?

The pension administration does not take into consideration the provisions of Wills, Agreements, or Court Orders in determining who is entitled to benefits following your death. Ultimately, the payment is made to the last valid designated beneficiary on file.

If no beneficiary is designated, the benefits are paid to the deceased member's estate.

For group life insurances with no designated beneficiary Great-West Life pays the benefit based on the line of succession for the province in which the plan member lived.

Questions regarding life insurances should be directed to the RCMP Insurance Administrator, Morneau Shepell, at 1-800-661-7595.

Increasing Your Pension

Increasing your pensionable service and service in the Force may be advantageous. For example, by increasing your pensionable service, you can augment your pension benefit. Increasing your service in the Force may mean you can retire sooner.

You can increase your pensionable service and service in the Force by different means while you're employed and an RCMP Pension Plan member. You can make a service transfer from the Public Service Superannuation Act (PSSA) or Canadian Forces Superannuation Act (CFSA), a service buyback, or by requesting a pension transfer agreement.

Listed below are some common questions and answers that may be of interest to you as a member of the RCMP.

What is a "service buyback" (also known as elective service)?

A service buyback is a legally binding agreement to purchase a period of prior service to increase your pensionable service and, potentially, your service in the Force, under the RCMP Pension Plan. Additional information can be found throughout this section and in the Service Buyback Package.

How do you make a service buyback?

Please contact the Government of Canada Pension Centre to receive an estimate to purchase your prior service. Upon engagement with the RCMP, an estimate will be provided based on information received from the member. The Government of Canada Pension Centre will mail out the forms and instructions pertinent to your buyback situation.

A service buyback is a legal binding agreement and you should review the information contained in the material sent by the Pension Centre before you decide to purchase your prior service.

What are your payment options for a service buyback?

If you choose to buy back previous service, you have three payment options. You can pay through semi-monthly deductions from your salary, lump sum payment(s), or a combination of the two. You may make additional payments at any time.

Refer to the Service Buyback Package for additional information on payments.

What is a "pension transfer agreement"?

Pension Transfer Agreements (PTA) provide you with another way of either counting your pensionable service with an outside employer under the RCMP Pension Plan or a way to transfer your RCMP Pension Plan credits to an outside employer.

What is "pensionable employment"?

Pensionable employment is service with a former employer, excluding the federal pension plans, during which time you contribute to a registered plan under the Income Tax Act.

A Pensionable employment buyback is used to transfer the actuarial value of your accrued pension benefit from another pension plan in cases where there is no Pension Transfer Agreement in place. It is also used to purchase prior pensionable employment where you have already surrendered your benefits under that plan (receive a return of contributions or a Transfer Value).

Would previous RCMP service count as pensionable service and/or service in the Force under the RCMP Pension Plan?

In general, the answer is "yes", with a few other considerations:

  • All previous RCMP service for which the benefit was not surrendered to another plan on discharge counts as both pensionable service and service in the Force. Non-pensionable periods count as service in the Force only.
  • Previous RCMP service for which a lump sum was received, such as a transfer value or a return of contributions, if purchased will count as both pensionable service and service in the Force.
  • Previous RCMP pensionable service for which the benefit was surrendered to another plan on discharge can be transferred back directly (Public Service and Canadian Forces Pension Plans) or via a pension transfer agreement and counted as both pensionable service and service in the Force.

Would previous federal public service employment count as pensionable service under the RCMP Pension Plan?

Yes, pensionable service under the following Acts can be transferred to the RCMP Pension Plan:

Some of this service may also be counted as service in the Force.

What does "surrender protected" mean?

It's a term that's applied to pensionable service of at least two years earned under the PSSA, CFSA, or MPRAA that you surrendered to the RCMP Pension Plan on engagement. It indicates that the associated benefit you surrendered will be 'protected' on any subsequent discharge from the RCMP.

Service in the Force is the measure generally used to determine if you're vested in the RCMP Pension Plan; that is, if you're entitled to a benefit other than a lump-sum return of contributions (ROC) plus interest or Cash Termination Allowance (CTA). If you discharge with less than two years of service in the Force, without "surrender protection", you'd only be entitled to a lump sum, regardless of how much pensionable service you had. But with "surrender protection" you're entitled to a deferred annuity payable at age 60 or an immediate annuity, if you're already 60 or older.

Would employment with a former employer, excluding federal plans, count as pensionable service under the RCMP Pension Plan?

If you were a member of a pension plan with your former employer, there are ways of increasing your RCMP pension. You have two options:

  1. Buy back eligible prior service through a pensionable employment service buyback or
  2. Transfer pensionable service from your former pension plan to the RCMP Pension Plan if your former employer has a Pension Transfer Agreement with the RCMP. If not, your former employer may be able to request that a Pension Transfer Agreement be negotiated. Please see the Pension Transfer Agreement Package for more information.

Some of this service may also be considered as service in the Force.

Please contact the Government of Canada Pension Centre for more information on which of these options makes sense.

How much would it cost to buy back your prior service?

The cost of buying back service is dependent on what type of service you are buying back.

If you're purchasing service from the Public Service Pension Plan or the Canadian Forces Pension Plan, the cost is affected by the RCMP Pension Plan contribution rates, as well as your salary and age when you sign a buyback form.

If you're purchasing other types of service, such as pensionable employment or transfer value service, the cost is based on the actuarial going concern value of that service under the RCMP Pension Plan. These calculations take into account your age, salary, service, sex, and actuarial assumptions (e.g. mortality and interest rates) contained in the most recent actuarial valuation report on the RCMP Pension Plan.

You can estimate the cost of buying back service using the Secure Pension Web Applications - Service Buyback Estimator, within certain Limitations. More details are available in the Service Buyback Package.

You must be connected to the RCMP internal network to obtain access to the Personalized Pension Tools.

How long would you have to make payments?

The maximum installment period over which a service buyback may be repaid is a period equal to the greater of age 65 or a period of 20 years.

For example, a member who purchases prior service at age 50 will have a maximum of 20 years to complete his/her installments.

A member who purchases prior service at age 30 will have a maximum of 35 years to pay his/her installments.

A member will still have the option of increasing the instalment amount, thereby decreasing the repayment period, or making a lump sum cash payment at any time or by RRSP as subject to the Income Tax Act (ITA).

What is the difference between making semi-monthly payments and paying in a lump sum for a service buyback?

Semi-monthly deductions are more costly than a lump sum payment because the semi-monthly deductions are life-insured and consist of principal, interest and life insurance amounts. When semi-monthly installments are life-insured, neither your estate nor your survivors are required to make any payments after your death. Any payments not life insured that are owed upon your death will be collected.

Taking a Leave of Absence

During the course of your career with the RCMP, you may decide to take an unpaid leave of absence (leave without pay) for personal or other reasons. You can find more information about leave without pay and how it can affect your pension entitlements in the Leave Without Pay Information Package.

Listed below are some common questions and answers that will help you understand how your pension and insurance benefits may be affected.

Do you continue to contribute to the RCMP Pension Plan during periods of leave without pay? How much do you contribute?

You are required to pay back the first three months of your leave without pay. After that period, you may choose to count or not to count the balance of your leave without pay as pensionable. You don't have to pre-pay contributions required under the RCMP Superannuation Act prior to or during your period of leave. For more information, refer to the Leave Without Pay Information Package.

The amount you contribute to the RCMP Pension Plan depends on the type and duration of your leave.

In most cases, the contribution rate for the first three months of a period of leave without pay is at "single" rate, meaning that you are only required to pay your share of contributions.

For your period of leave after the first three months, you will be required to pay contributions at either "single" or "double" rate (your share plus the employer's share). Further information on contribution rates for specific types of leave without pay can be found in the Leave Without Pay Information Package.

Can you choose not to count your period of leave without pay for pension purposes? What if you change your mind?

You may choose not to count periods of leave without pay after the first three months. This option must be made within the prescribed timeframes and while you are still employed. Further information is available in the Leave Without Pay Information Package.

Even after you've chosen not to count your leave without pay, you can, at a later date, change your mind and request a service buyback. The cost, however, will be higher because the calculation of the required contributions will be based on your salary at the time of the election and interest will be charged. Please refer to the Service Buyback Package for more information.

Are there limits on how much leave without pay may be counted for pension purposes?

Yes. The Income Tax Act places a maximum of five years restrictions on the total periods of leave without pay that can be treated as pensionable during your career. However, you may also be credited with an additional three years of leave without pay for parenting purposes. More information on the tax implications is available in the Leave Without Pay Information Package.

What payment options are available for your contributions?

You can make lump sum payments for your pension contributions at any time by personal cheque, postal money order, or bank money order. Otherwise, your pension contributions will be recovered by salary deductions when you return to work. It is also possible to pay for a leave without pay period using funds transferred from your personal RRSP. More detail is provided in the Leave Without Pay Information Package.

Are you still covered under your other insurance benefit plans during a period of leave without pay?

You are eligible to continue your coverage under the RCMP Group Life and Accidental Death and Dismemberment plans while on a period of leave without pay (LWOP).

Coverage under the Disability Insurance Plan is mandatory for all active members and will, therefore, continue while you are on a period of LWOP. For information on your continuing coverage and to make arrangements for remitting premiums, please contact Morneau Shepell at 1-800-661-7595.

You are also eligible for continued coverage under the PSHCP and PSDCP. Please contact RCMP National Pay Operations for details on how to either continue or cancel your coverage under these plans at 1-866-729-7293.

The following links provide a summary of the conditions and reasons for which your coverage may be continued:

Do you continue to pay your service buyback payments while on leave without pay?

Yes. Service Buyback payments must be made on an on-going basis during the period of your leave without pay. If payments are not made on a semi-monthly basis, you will have different options to repay your default payment; however, the amount to be paid back will include interest. Contact the Government of Canada Pension Centre to learn how your payments should be made.

Do periods of leave without pay count as service in the Force?

Yes. You receive service in the Force credit for all periods of service with the RCMP, including leave without pay.

Getting Married or Reaching Common-law Status

Now that you're married or have reached common-law status, your new partner may be eligible for coverage under your pension and group insurance plans. The following questions and answers outline the plans under which your spouse may be covered.

Is your new spouse or common-law partner covered under your insurance benefits plans?

Your new spouse/common-law partner may be covered under various insurance benefit plans available to the spouses and dependents of RCMP members. For a summary of the types of available coverage, the time limits for enrolling new dependents, and any steps you must follow, please refer to the following:

What types of protection does your pension plan offer for your spouse or common-law partner?

Your pension plan offers Survivor Benefits for your surviving spouse or common-law partner. Your spouse or common-law partner may be entitled to an immediate allowance in the event of your death, whether you're employed or retired at the time. The survivor benefit is equal to one-half your basic pension.

Should you provide information about your marital status or common-law relationship to the Government of Canada Pension Centre?

The Government of Canada Pension Centre recommends that you provide this information soon after your marital status changes or you enter into a conjugal relationship. When the Pension Centre has current information about your marital status or common-law relationship, it can provide benefits to your survivor(s) more quickly in the event of your death.

Plan members who wish to provide information about their common-law relationship should complete the Statutory Declaration form and forward it to the Government of Canada Pension Centre.

Who is able to claim survivor benefits?

Survivor Benefits are payable to a spouse with whom you have lived in a conjugal relationship for at least one year, as long as that relationship began while you were still an active member or, if retired, prior to your 60th birthday.

Who is able to claim survivor benefits if you have both a legal spouse and a common-law partner?

At the time of death, if you have both a legal spouse and an eligible survivor with whom you have lived in a conjugal relationship, the survivor's benefit will be apportioned between them. Each survivor's share of the benefit will be based on the length of your cohabitation. Additional information can be found by consulting the Government of Canada Pension Centre.

If you get married after age 60, does your new spouse receive a survivor pension?

If you get married after age 60 and are retired at the time of your marriage, your surviving spouse would not normally receive Survivor Benefits. However, you can choose to provide a benefit to your spouse by reducing your own pension to cover the cost of this additional benefit. This is called Optional Survivor Benefit (OSB). You can choose this option within one year from the date of your marriage or from the date your pension begins, whichever is later. For more information please consult the Government of Canada Pension Centre.

Is there a minimum benefit guaranteed under the RCMP Pension Plan?

Yes, there is a guarantee of a minimum of five times your annual unreduced pension paid to your designated beneficiary if you don't have any survivors. If you don't name a beneficiary, the benefit will be paid to your estate. For more information, refer to minimum benefit.

Should you inform the Government of Canada Pension Centre if the person you've named as your beneficiary moves?

Yes. In the event of your death, if the Government of Canada Pension Centre has a current address for your beneficiary, the benefit can be paid more quickly.

When you contact the Pension Centre, please have the following information available:

  • Pension number
  • Name of beneficiary
  • Your beneficiary's new address

Disability

The following questions and answers will help you understand your options in the event that you become disabled or suffer from a long-term illness.

What type of leave can you take if you become disabled or suffer from a long-term illness?

As an active member of the RCMP, you are entitled to unlimited sick leave. For more information, please contact your regional RCMP Occupational Health and Safety Office. Contact information is available on the RCMP Intranet – HR website.

If you are away on sick leave, can this time be counted as pensionable?

Yes. Active RCMP members on leave due to illness or injury continue to receive active pay. The time spent on sick leave is counted as pensionable and you are required to pay pension contributions.

What pension options do you have if you retire on grounds of disability?

If you retire because of a disability and you have two or more years of pensionable service, you will receive an Immediate Annuity, regardless of your age. If you have less than two years, you will receive the larger of a return of contributions plus interest or a Cash Termination Allowance.

Who determines if you qualify for retirement on grounds of disability?

In order to qualify, your RCMP Occupational Health and Safety Branch must certify that your situation meets the following definition:

Disability, under the RCMP Pension Plan, is a physical or mental impairment that prevents you from performing your duties as a member of the Force and that can reasonably be expected to last for the rest of your life.

What if you regain your health?

If you discharge for disability and subsequently regain your health, your pension benefit does not change.

What if you discharge with a deferred annuity and then become disabled?

In this case, the Deferred Annuity is changed to an Immediate Annuity. Should you subsequently regain your health before age 60, then the immediate annuity ceases and you have the choice of a Deferred Annuity payable at 60; an Annual Allowance payable at 50; or (if under 50) a Transfer value. For more information please see the Becoming Disabled After Retirement life event in the Retired Member section of this website.

Becoming a Parent

Congratulations on becoming a parent! Whether through the birth or adoption of a child, the following questions and answers will outline the programs, policies, and plans under which you and your family may be covered.

What documentation should you provide to the Government of Canada Pension Centre?

You should provide proof of age as soon as possible. In the event of your death, the Government of Canada Pension Centre needs this information to provide benefits to your children. We recommend that you send the following documents:

  • A birth certificate issued by a civil authority or a baptismal certificate showing the date of birth
  • Adoption papers
  • Evidence of guardianship

Are your children covered under your insurance benefit plans?

Your children may be covered as dependents under the various insurance benefit plans. Below you will find a brief description of what types of coverage are available for your children, the steps you must follow, and the deadlines for enrolling new dependents.

The Public Service Health Care Plan (PSHCP) provides optional health care coverage for the eligible dependents of RCMP members. Your dependent children include legally-adopted children as well as children of your spouse or common-law partner provided that:

  • The child is under the age of 21
  • The child is under the age of 25 and attending an accredited school, college or university on a full-time basis or
  • The child is mentally or physically impaired, dependent upon you for support and maintenance, and became impaired while he/she was of age to be considered a dependent child under the plan

Regular Members– If you already have dependent coverage, you must update your positive enrolment information with SunLife to add a new dependent to your coverage file. To apply for coverage for your dependents, complete the PSHCP Application and submit the original, signed form to RCMP National Pay Operations.

Civilian Members– If you already have "Family" coverage, you must update your positive enrolment information with SunLife to add a new dependent to your coverage file. To change your coverage from "Single" to "Family", complete the PSHCP Application and submit the original, signed form to RCMP National Pay Operations.

The Public Service Dental Care Plan (PSDCP) provides eligible dependents of RCMP members with coverage for specific dental services and supplies that are not covered under a provincial health or dental care plan.

To be eligible as a dependent child under this plan, the child must be unmarried and dependent on you for support. The child must also be either under the age of 21, or under the age of 25 and a full-time student.

PSDCP coverage for dependents is automatic. An application is not required. The dependent child will be added to the member's file at the time the first claim for benefits is submitted.

For information on RCMP Group Life Insurance plans for your dependents, please contact Morneau Shepell.

What types of protection does your pension plan offer for your children?

In the case of your death, your dependent children may be entitled to a benefit under the RCMP Pension Plan. To be eligible, your child must normally be under 18 years of age. However, children between 18 and 25 may receive benefits if they are enrolled full-time in school or another educational institution and have attended continuously since their 18th birthday or the date of your death, whichever occurred later. The benefit is equal to one-tenth of your pension for each child (to a maximum of four-tenths).

Can you take a leave of absence to care for your children? If so, how does it affect your pension?

Contact RCMP National Pay Operations at 1-866-729-7293 to determine the types of leave without pay that may be available to you. Information on the pension implications of taking a leave of absence to care for your children can be found in the Leave Without Pay Information Package.

Ending Your Employment with RCMP

If you are thinking about leaving the RCMP, the following questions and answers will help you understand your pension options and eligibility rules under your insurance benefit plans.

Can you increase your pensionable service and/or service in the Force prior to terminating employment?

If you have eligible periods of prior service, you may be able to buy it back or transfer it from another plan to increase your pension. Any service buybacks or transfers by way of a Pension Transfer Agreement have to be made before you leave the RCMP. Depending on the type of service, there are various conditions that must be met. You should also consider the income tax implications before making a decision. Please contact the Government of Canada Pension Centre to obtain additional information.

If you have an existing service buyback that is not fully paid, you'll have to make arrangements to pay for the remaining portion. If you are entitled to a pension, deductions will continue and will be deducted from your pension payment. For more information, please refer to the Service Buyback Package.

What happens if you haven't finished paying your pension contributions for your period of leave without pay when you terminate employment?

If you are entitled to a Transfer Value, any leave without pay contributions still owing will be automatically deducted from your transfer value amount. If you are entitled to a pension, deductions will continue and will be taken from your pension payment. Information on payment options for these contributions can be found in the Pension Entitlement Information Package.

Any insurance benefit premiums or contributions still owing for a period of leave without pay also have to be paid when you retire.

What are your pension options upon leaving the RCMP?

Your options vary depending on your years of service in the Force, pensionable service, surrender protection service, your age when you cease to be employed, and your reason for leaving.

If you are leaving voluntarily and have at least two years of service in the Force, you may be entitled to one or more of the following options:

Generally speaking, if you have less than two years of service in the Force, you're entitled to some combination of:

More detailed information on the termination of employment process, required forms and impact on insurance benefits can be found in the Pension Entitlement Information Package or you can contact the Government of Canada Pension Centre.

What are your options if you accept an employment opportunity outside of the RCMP?

If you become employed outside of the RCMP, you may be eligible to transfer all or part of your accrued pensionable service to another pension plan by way of a Pension Transfer Agreement regardless of the number of years of pensionable service. You can also leave your benefit with the RCMP Pension Plan. Additional information can be found by consulting the Pension Transfer Agreement Package or you can contact the Government of Canada Pension Centre.

What are your options if you accept an employment opportunity with the Canadian Forces or the Public Service?

If you become employed with the Canadian Forces or the Public Service you may be eligible to transfer your accrued pensionable service from the RCMP Pension Plan. Additional information can be found by consulting the Service Buyback Package.

How do you determine the value of your pension options?

Begin by looking at your most recent personal Pension Benefits Statement, as it provides you with a summary of your entitlements and their approximate value.

How do you choose a pension benefit option?

To choose your option, you must complete the Pension Benefit Options Statement. When you've chosen a termination date, contact the Government of Canada Pension Centre and you'll be provided with a personalized Pension Benefit Options Statement outlining your pension choices.

More detailed information on the termination of employment process, required forms and impact on insurance benefits can be obtained by contacting the Government of Canada Pension Centre.

Who should you notify once you've chosen your termination date?

You should contact RCMP National Pay Operations at 1-866-729-7293 for any pay related discharge questions and the Pension Centre for any pension related discharge questions. You must notify your commanding officer / supervisor once you've chosen your retirement date. This should be done at least four months in advance of your retirement date.

Divorce or Separation

In the event that your marriage or common-law relationship breaks down, it's important to understand the possible impact on your pension and insurance benefits plans. The following questions and answers outline the potential consequences.

Who should you inform in the event of your divorce or separation?

You should inform the Government of Canada Pension Centre. Please send copies of the following documents:

  • If you are divorced – the divorce decree absolute
  • If you are no longer in a common-law relationship – a letter advising the Government of Canada Pension Centre that the relationship has ended

Please include your pension number on all documents.

Can your pension benefits be divided in the event of divorce or separation?

Yes. The Pension Benefits Division Act provides for the division of the pension benefits that you've accumulated under the RCMP Pension Plan.

Who is eligible for a division of pension benefits?

You or your spouse/common-law partner may apply after you've been separated for at least one year. However, if the application is based on a Court Order pertaining to divorce, annulment, or separation then the one-year separation requirement does not apply.

In the case of a common-law relationship, an application may be made only if your relationship lasted a minimum of one year.

In either case, you must have a Court Order or written agreement signed by you and your spouse that provides for the division of your pension benefits.

What steps are involved in obtaining a division of pension benefits?

Either you or your former spouse/common-law partner may apply for a pension benefits division.

  • Step 1: Request information on pension benefits division.

    Contact the Government of Canada Pension Centre to request an estimate and to confirm the required documents or forms. If you want an estimate of the amount before you apply for a division, you must first submit the Request for Pension Benefits Division Information form, along with any other required documents.

  • Step 2: Apply for pension benefits division.

    You must submit the Application for Division of a Royal Canadian Mounted Police Superannuation Act Pension form, along with your Court Order or written agreement, and any other required documents.

  • Step 3: Division of pension benefits.

    When the division has been approved, the amount representing the actuarial present value of the benefits earned during the period subject to division is transferred into a chosen registered retirement savings account(s).

These steps are described in further detail in the Division of Pension Benefits Package. Additional information is found under the Pension Benefits Division Act and the Pension Benefits Division Regulations.

How does a pension division affect your pension?

Upon receipt of a pension, it'll be reduced immediately unless you're in receipt of a pension for medical reasons.

How are your survivor benefits affected?

If you were divorced at the time of your death, your former spouse would not be entitled to a survivor benefit.

If you were separated from your common-law partner at the time of your death, that partner's entitlement to a survivor benefit would end immediately upon separation.

However, if you were separated from your legal spouse--but not divorced--at the time of your death, your spouse would be entitled to Survivor Benefits. Moreover, if you were separated and your former spouse had applied for a division of pension benefits, your former spouse would only be entitled to a survivor benefit amounting only to the portion not covered by the division.

Should you inform the Pension Centre if the person you've named as the beneficiary moves?

Yes. In the event of your death, the Pension Centre will need a current address for your beneficiary and the benefit will be paid more quickly. When you contact the Government of Canada Pension Centre, please have the following ready:

  • Pension number
  • Name of beneficiary
  • Your beneficiary's new address

How are your insurance benefit plans affected?

Once divorced, your former spouse is no longer eligible for benefits under the following plans:

If you become divorced or separated from your spouse or common-law partner, and you have no other dependents for whom PSHCP benefits are being provided, Civilian Members should change their PSHCP coverage from "Family" to "Single". Regular Members, in this situation, should cancel their PSHCP coverage.

Please contact the RCMP National Pay Operation at 1-866-729-7293 for information on how to amend your PSHCP coverage. You must contact Sun Life (PSHCP) and Great-West Life (PSDCP) to remove the coverage on your former spouse and update your positive enrolment information.

Please contact Morneau Shepell, the RCMP Insurance Administrator, to change your beneficiary designation or amend your RCMP Group Life Insurance and Accidental Death and Dismemberment Plans.

When Death Occurs

The following questions and answers will provide you with an understanding of potential survivor and child entitlements under the RCMP Pension Plan. In the event of your death, your survivor or legal representative should immediately notify the Government of Canada Pension Centre.

Are your family members protected in the event of your death?

Your pension plan offers several types of protection for your family. For example, the survivor of a deceased member may apply for Survivor Benefits.

In addition, eligible children may be entitled to a child allowance. Full-time students between the ages of 18 and 25 are paid directly.

If there is no survivor or eligible child, the RCMP Pension Plan provides for a minimum benefit payable to the designated beneficiary or, in the absence of such a beneficiary, to the deceased member's estate.

Any applicable life insurance and accidental death or dismemberment insurance amounts will be payable to the designated beneficiary. In the absence of a designated beneficiary Great-West Life pays the benefit based on the line of succession for the province in which the plan member lived. Contact Morneau Shepell, the RCMP Insurance Administrator, at 1-800-661-7595 to find out more.

If your death is a result of your service with the RCMP, your spouse or eligible children may be entitled to benefits under the Survivor Income Plan (SIP) which provides an income top-up in the case of a duty-related death. Further information can be obtained through Veterans Affairs Canada.

Who is able to claim survivor benefits?

Survivor Benefits are payable to a surviving spouse/common-law partner. In the event that you're separated from your legal spouse, but have a partner who may also qualify for an allowance, the benefit would normally be divided between the two applicants based on the period of cohabitation. Additional information may be obtained by contacting the Government of Canada Pension Centre.

What documentation is required to make a claim for survivor benefits?

A legal spouse must provide a copy of the marriage certificate. A common-law partner is required to provide sworn statements and other evidence that demonstrates the conjugal nature and the period of the relationship. Additional information may be obtained by contacting the Government of Canada Pension Centre.

Are your children entitled to survivor benefits?

Generally speaking, to be eligible your child must be under 18 years of age. However, children between 18 and 25 may receive benefits if they're enrolled full-time in school or another educational institution and have attended continuously since their 18th birthday or the date of your death, whichever occurred later.

A child's benefit is equal to one-fifth of the survivor benefit to a maximum combined amount of four-fifths for all dependent children. If there are more than four children, the maximum combined amount payable may be divided among all the eligible children.

What is payable to the children if there is no survivor benefit?

When there is no survivor benefit payable to a spouse/common-law partner, the child's survivor benefit is two-fifths of the survivor benefit.

Should you inform the Government of Canada Pension Centre if the person you've named as your beneficiary moves?

Yes. In the event of your death, the Pension Centre will need a current address for your beneficiary in order to promptly process the survivor benefit. When you contact the Government of Canada Pension Centre, please have the following ready:

  • Pension number
  • Name of beneficiary
  • Your beneficiary's new address

Please complete another Naming or Substitution of a Pension Beneficiary form if your named beneficiary predeceases you.

Can your survivors apply for group benefit plans in the event of your death?

Your survivors may be eligible to enroll for coverage under the Public Service Health Care Plan (PSHCP) and the Pensioners' Dental Services Plan (PDSP) in the event of your death.

Do any of your existing group benefit plans continue for your family after your death?

Public Service Health Care Plan (PSHCP) coverage does not automatically continue for a survivor. Plan and enrolment information can be found on the Public Service Health Care Plan (PSHCP) website.

Similarly, an individual receiving a survivor or a child's pension benefit must also apply for dental coverage under the Pensioners' Dental Services Plan (PDSP), in order to obtain this benefit. Additional plan and enrolment information can be found on the Pensioners' Dental Services Plan (PDSP) website.

What death benefits are available if your death can be attributed to your service in the Force?

If your survivors suspect that your death is a result of your service with the RCMP, they may be entitled to benefits under the Pension Act and the Survivor Income Plan (SIP). The Pension Act is administered by Veterans Affairs Canada and provides a tax free benefit to the spouse and children of RCMP members in the case of a duty-related death. Your survivors should contact Veterans Affairs Canada to find out if they qualify for a benefit under the Pension Act. A favourable decision under the Pension Act also qualifies your survivors to the Survivor Income Plan (SIP). This program provides an income top-up to the spouse and children of RCMP members in the case of a duty-related death.

Preparing for Retirement

Congratulations! Planning for retirement is an exciting event in your life and requires some important decisions. The following questions and answers will provide you with a variety of tools and products to help you choose the benefits that are right for you.

Can you increase your pensionable service and/or service in the Force prior to retirement?

You may have periods of prior service that you can buy back as a way of increasing your pension. Any service buyback has to be made before you retire.

You may buy back all or part of a period of prior service. If it is for a portion only, it usually must be for the portion that occurred most recently.

If you want to estimate the cost of buying back previous service and see the resulting increase in your pension, please use the Secure Pension Web Applications - Service Buyback Estimator, within certain Limitations. More details are available in the Service Buyback Package.

You must be connected to the RCMP internal network to obtain access to the Personalized Pension Tools.

By increasing your pensionable service and service in the Force:

  • You may increase your pension
  • You increase protection for your beneficiaries
  • You can reach 35 years of pensionable service earlier
  • You can retire earlier

If you retire but haven't finished paying for an existing service buyback, the unpaid instalments will be deducted from your monthly pension payment. For more information, please refer to the Service Buyback Package.

You may also want to speak with your financial advisor about the pros and cons of buying back service.

What steps should you follow when preparing to retire?

  • Step 1: Take the time to familiarize yourself with your pension options.
  • Your options vary depending on your service in the Force, years of pensionable service, and age when you leave the RCMP.
  • If you have at least two years of service in the Force, you may be entitled to one or more of:
  • If you have less than two years of service in the Force, generally you are entitled to some combination of the following:
  • You may also be eligible to transfer all or part of your accrued pension credits to another pension plan by way of a Pension Transfer Agreement regardless of the number of years of pensionable service.
  • Before requesting transfer of your pension credits by means of a Pension Transfer Agreement, compare the provisions and benefits of your new employer's plan to those of the RCMP. Take a close look at factors such as health and dental care coverage available at retirement.
  • More detailed information on the retirement process, required forms, and impact on insurance benefits can be found in the Pension Entitlement Information Package.
  • Step 2: Find out the value of each of your pension options.
  • Examine your most recent personal Pension Benefit Statement, as it provides you with a summary of your entitlements and their approximate value. The Secure Pension Web Applications - Pension Calculator can also help you estimate your pension.
  • Step 3: Find out which of your insurance benefit plans continue after retirement.
    • If you're entitled to receive an on-going pension benefit under the RCMP Pension Plan then you're eligible for coverage under the Public Service Health Care Plan (PSHCP). You must apply for this coverage.
    • Pensioners' Dental Services Plan (PDSP) is an optional plan that provides dental services coverage to eligible RCMP pensioners and their eligible dependents. It provides coverage for specific services and supplies that aren't covered under a provincial health or dental care plan. The plan used by your spouse and eligible dependents while you were an active RCMP member ends immediately when you retire.
    • RCMP Group Life and Accidental Death and Dismemberment Insurance plan coverage may continue if you're eligible to receive a pension benefit under the RCMP Pension Plan. Detailed information may be found on the Morneau Shepell website.
  • Step 4: Estimate what your financial requirements will be when you leave the RCMP.

Who should you notify once you've chosen your retirement date?

You may contact RCMP National Pay Operations at 1-866-729-7293 for any pay related discharge questions and the Pension Centre for any pension related discharge questions. You must notify your commanding officer / supervisor once you've chosen your retirement date. This should be done at least four months in advance of your retirement date.

How do you choose a pension benefit option?

The Pension Centre will provide you with a Pension Benefit Options Statement which you must complete in order to choose your benefit option. Detailed information on the retirement process, required forms, and impact on insurance benefits can be found in the Pension Entitlement Information Package.

Is your pension benefit protected from inflation?

Yes. Your pension would be protected from losing its value as a result of inflation or increases in the cost of living. Your benefit will be adjusted every January 1, based on increases in the Consumer Price Index (CPI).

Why does your RCMP Pension Plan bridge benefit stop at age 65?

The bridge benefit portion of your RCMP pension will stop when you reach 65 or earlier if you begin to receive Canada or Quebec Pension Plan (CPP/QPP) disability benefits. This is due to the Canada Pension Plan/Quebec Pension Plan Coordination of contributions and benefits.

Does your retirement date affect the pension increases (indexing) you receive?

Yes, your retirement date can affect the timing and amount of your indexation.

The Royal Canadian Mounted Police Superannuation Act (RCMPSA) provides for annual increases for all retirement and survivor benefits, based on a rise in the Consumer Price Index (CPI). Indexation is calculated on January 1 following your first year of retirement and is compounded each January 1 thereafter.

For Civilian Members, indexation is accumulated from your date of retirement and payable January 1 or the following year.

For Regular Members, however, the date that indexation rate becomes payable varies depending on your age and pensionable service on the date of retirement.

  • If you retire with a pension at age 60 or older, indexation is accumulated from date of retirement and payable January 1 or the following year
  • If you retire with a pension before age 60, the indexation rate accumulates annually, and becomes payable on the first of the month in which the earlier of the two following events occur:
    • Your 60th birthday or
    • The first day on which you are at least age 55 and where age plus complete years of pensionable service totals at least 85

For both Civilian and Regular Members, if you retire with a Deferred Annuity payable at age 60, annual indexation rates are pro-rated and compounded as above, and become payable as of the first of the month of your 60th birthday.

What happens if you've not yet finished paying your pension contributions or benefit/premiums contributions for your period of leave without pay when you retire?

Any pension and/or contributions still owing for a period of leave without pay will be deducted from your pension payment. Information on payment options can be found in the Pension Entitlement Information Package.

Any insurance benefit premiums or contributions still owing for a period of leave without pay also have to be paid when you retire. Please contact your insurance advisor, Morneau Shepell for more information.

Working Past Age 65

The following questions and answers provide information about an RCMP Pension Plan member who continues to work after 65 years of age.

Do you continue to contribute to the RCMP Pension Plan after reaching age 65?

Yes. If you remain employed by the RCMP, you must continue contributing to the pension plan until your retirement date or to the end of the calendar year in which you reach 71 years of age. The salary and service accrued after age 71 will not be included in the calculation of your pension.

Your contributions continue even after you reach the maximum pensionable service of 35 years, but at a lower rate of one percent of your salary. This lower contribution amount ensures Protection from Inflation for your future pension. Although you will not accrue additional years of pensionable service after reaching 35 years, the salary paid during this period may be used in the calculation of the best consecutive 5-year average salary on which your pension will be based.

How are RCMP Pension Plan benefits coordinated with the Canada Pension Plan (CPP) or the Quebec Pension Plan (QPP)?

The Canada Pension Plan/Quebec Pension Plan Coordination ensures that employees don't have to set aside a greater proportion of their salary for retirement savings. Your RCMP pension benefits include a lifetime pension and a temporary bridge benefit. This benefit is payable until the first of the month following your 65th birthday or immediately if you begin receiving disability benefits. If you're still working at age 65, the bridge benefit will not be paid upon retirement. Please see Reaching Age 65 and Retirement Income Sources for more information about the coordination of plans.

If you begin receiving retirement benefits from CPP or QPP, will your RCMP Pension Plan contributions change?

No. Your RCMP Pension Plan contributions will not change as they're not dependent upon whether you pay CPP/QPP contributions or whether you receive CPP/QPP benefits.

If you continue working past age 65 and you retire at age 71, is your pension calculated using the same formula as for a plan member retiring at an earlier age?

Yes. Your RCMP pension will be calculated using the same formula. Your pension amount is made up of two components: a lifetime pension benefit and a bridge benefit.

A lifetime pension benefit is the permanent portion of the pension payable from the date the pension begins until death.

A bridge benefit is a temporary amount payable from the date the pension begins until age 65 or until you become entitled to CPP or QPP disability benefits, whichever occurs first. The bridge benefit is roughly the same amount the member will receive under the Canada or Quebec Pension Plan (CPP or QPP) at age 65. Typically, the bridge benefit ends at age 65.

The basic pension formula is calculated as follows:

  • 2%
  • ×
  • Your years of pensionable
    service (maximum 35 years)
  • ×
  • Your Highest Average Salary
    (for your best 5 consecutive years of service)

The RCMP Pension Plan benefit consists of two parts: a lifetime pension benefit and a bridge benefit.

Lifetime pension

When you retire, you'll receive a lifetime pension based on the average annual salary of your five consecutive years of highest paid service and your years of pensionable service.

The basic formula for the unreduced annual pension amount payable from the RCMP Pension Plan is:

  • 1.375% Footnote 1
  • ×
  • Years of Pensionable Service
    (maximum 35 years)
  • ×
  • Your Highest Average Salary
    up to the AMPE

PLUS

  • 2%
  • ×
  • Years of Pensionable Service
    (maximum 35 years)
  • ×
  • Your Highest Average Salary
    in excess of the AMPE

Note: If your pension includes part-time service, the benefits are adjusted to reflect the part-time assigned hours of work compared to the full-time hours of the position.

  • Each period of full- or part-time service must be calculated individually then totalled
  • Your years of pensionable service include any service you have bought back, whether or not fully paid for
  • Your highest average annual salary is calculated for your five consecutive years of highest paid service, including any salary earned after completing 35 years of service. For periods of part-time service, it's based on an equivalent full-time salary
  • This benefit amount is coordinated with the benefit you'll receive from the Canada Pension Plan (CPP), and includes a "bridge benefit" paid until you begin receiving CPP (usually at age 65)

Bridge benefit

Plan members who retire after age 65 or who are already receiving CPP/QPP disability benefits do not receive the bridge benefit.

If you retire before age 65, you'll receive a bridge benefit in addition to the lifetime pension benefit. This temporary benefit helps to "bridge" your pension until age 65, when CPP or QPP begins or until you become entitled to CPP or QPP disability benefits, whichever occurs first. The bridge benefit is calculated as follows:

  • 0.625% Footnote 2
  • ×
  • Years of Pensionable Service
    (maximum 35 years)
  • ×
  • Your Highest Average Salary
    up to the AMPE

Total Pension

Your total pension (lifetime pension + bridge benefit) will be equal to 2% of your average salary.

Footnotes

Footnote 1

Return to footnote 1 referrer

This percentage applies if you will reach age 65 in 2012 or later (i.e. you were born in 1947 or later). The percentages if you were born before 1947 are indicated below:

  • Before 1943: 1.3%
  • 1943: 1.315%
  • 1944: 1.330%
  • 1945: 1.345%
  • 1946: 1.360%
Footnote 2

Return to footnote 2 referrer

This bridge benefit factor applies if you will reach age 65 in 2012 or later, (i.e. you were born in 1947 or later). If you were born before 1947, the applicable factor is indicated below:

  • Before 1943: 0.700%
  • 1943: 0.685%
  • 1944: 0.670%
  • 1945: 0.655%
  • 1946: 0.640%

Is there a correlation between the amount of retirement benefits payable under the CPP or QPP and the adjustment to your RCMP pension at age 65?

No. Despite the coordination, the RCMP Pension Plan and the CPP or QPP are separate plans. The benefits provisions of each plan are different and the benefit amount is calculated independently. The formula for the bridge benefit portion of your RCMP pension is the same whether or not you pay CPP or QPP contributions or receive CPP or QPP benefits. The bridge benefit calculation and the stop date are based on the fact that during your pensionable service you paid a lower rate of contributions under the RCMP Pension Plan on the salaries for which you were required to pay CPP or QPP contributions. For further information on the coordination of these plans, please consult the information on the Canada Pension Plan/Quebec Pension Plan Coordination web page.

What happens if you become employed or re-employed in the RCMP past age 71?

You cannot contribute to the RCMP Pension Plan after the end of the calendar year in which you turn 71. If you've already retired and begin working again after age 71, your monthly pension (including indexing) will temporarily cease to be paid and will be reinstated when you stop working. For more details, please see the Re-employment After Retirement life event in the Retired Member section of this website.

What happens to your dependents' Public Service Health Care Plan and Public Service Dental Care Plan coverage if you work past age 65?

There are no age restrictions on participation under either the Public Service Health Care Plan or the Public Service Dental Care Plan. As long as you remain employed by the RCMP, you may retain coverage for your dependents.