Welcome to the Royal Canadian Mounted Police pension plan
The following information is intended to draw your attention to parts of the Royal Canadian Mounted Police (RCMP) pension plan that are important for you to know, as a new or re-engaged member. Some aspects of the plan are time sensitive, so please review this document as soon as possible.
Orientation Information Kit
What is the Royal Canadian Mounted Police pension plan?
The pension plan is designed to provide you with a retirement income payable during your lifetime. Benefits are based on your salary, pensionable service, service in the force, age and reason for discharge. Other benefits include:
- Survivor benefits; provides an income for your eligible spouse and children in the event of your death
- Disability benefits; immediate annuity paid regardless of age when approved for discharge on grounds of disability
- Annual Indexing; provides protection from inflation
- Portability; may be eligible for transfer if you join or leave the RCMP
Is there a limit to the amount of service that may count toward my Royal Canadian Mounted Police pension?
Yes, the maximum amount of service that may count for a person under the RCMP pension plan is 35 years, which includes:
Prior government service with the:
- Public Service (PS) of Canada including agencies listed in Schedule 1 of the Public Service Superannuation Act
- Canadian Forces (CF)
- Royal Canadian Mounted Police (RCMP)
- Service which entitles you to a benefit with another Government of Canada pension plan, even though the service has not been transferred and does not increase the value of your RCMP pension (Canadian Forces, public service, etc.)
How can I increase the amount of service that my pension is based on?
Members can obtain a cost quote for service buyback by using the service buyback estimator on Pensions and benefits for the Royal Canadian Mounted Police web portal.
If you have worked for the RCMP in the past, you may be eligible to:
- Buy back prior service that is not currently to your credit under this plan
- Buy back prior service for which you received a Transfer Value payment upon leaving the RCMP
If you were subject to a pension plan with a former employer, you may be eligible to:
- Buy back prior service or
- Opt for a Pension Transfer, if you still have pension credits with your former employer
Important Points to Consider
There are tax implications (benefits and consequences) associated with requesting a buyback of prior service.
- Service buybacks may be requested as long as you are an active member of the RCMP pension plan. However, there may be significant cost increases if you purchase it after your first year as a plan member
- A medical examination may be required when requesting a buyback of prior service
Read more at Pensions and benefits for the Royal Canadian Mounted Police.
Your Obligations
- Your "Notification of Plan Membership" is included in this package and should be retained for your records. It confirms the effective date that you became a plan member and provides your pension number. This number should be used for any future communications with us
- Also included in this package is an Enrolment Information and Acknowledgment of Plan Membership form. It is important that you complete the form and return it immediately using the enclosed pre-addressed envelope. Completion of the form indicates you have read and understood the accompanying documentation and have selfidentified all other information requested (prior service and eligible dependants)
- As a plan member, you are required to provide proof of age for yourself and any children under the age of 25. A photocopy of a birth certificate is normally sufficient. A copy of your marriage certificate and/or divorce decree is also required, if applicable. You should forward these documents as soon as possible to the address indicated on the last page of this document
Who can I designate as a Pension Beneficiary?
Your beneficiary can be one of the following:
- A person 18 years of age or older at the time of designation
- Your estate or succession
- A registered charitable or benevolent organization or institution
- A religious or educational organization or institution that is supported by donations
- If you are re-engaged in the RCMP, a previous designation of beneficiary is no longer valid and a new Naming or Substitution of a Pension Beneficiary form should be completed once you become a plan member again
To designate your beneficiary, you must complete the Naming or Substitution of a Pension Beneficiary form (RCMP-GRC 2196E). Find the form on the Pensions and benefits for the Royal Canadian Mounted Police website.
Your Royal Canadian Mounted Police pension and benefits web portal
We invite you to take the time to discover what Your RCMP Pension and Benefits Web portal has to offer, including information, forms and online tools. With the knowledge you gain, you will be able to make more informed decisions with respect to life events that may affect your pension and benefits.
Send your inquiries and/or documents to
Government of Canada Pension Centre; Mail Facility
150 Dion Blvd
PO BOX 8500
Matane, QC G4W 0E2
Contact us by telephone
Continental North America:
1-855-502-7090
Outside continental North America:
0-506-533-5800
(collect calls accepted)
Telephone Teletype (TTY):
0-506-533-5990
(collect calls accepted)
As a new or re-engaged member of the Royal Canadian Mounted Police pension plan, there is a section specifically designed for you!
Disclaimer: This information is provided for orientation purposes only and does not constitute a legal document on your rights and obligations. Should there be any conflict between the information in this document and that contained in the Royal Canadian Mounted Police Superannuation Act (RCMPSA) and the Royal Canadian Mounted Police Superannuation Regulations (RCMPSR), or other applicable laws, the Act and Regulations apply.