Your UPP pension

At UPP, our commitment is to deliver members secure, worry-free retirement income for life. The pension you receive is based on a formula that considers a few key components including your earnings and years of service. That formula means you will have a predictable monthly pension once you retire.

Did your plan convert to UPP?

Pension benefits earned under your prior plan and UPP work together to provide you with a secure benefit in retirement. If you were earning pension benefits under your university’s prior plan when it converted to UPP, you automatically become a member of UPP on the day your university joins. Pension benefits earned under your prior plan remain unchanged and are now payable from UPP. You can still get information about your prior plan through your university’s website and pension administration team.

Quick guides

Key features of your UPP plan include

Changing employers and portability

If eligible, you can seamlessly move between UPP participating employers, and combine part-time service at multiple UPP participating employers.

Inflation protection

Once you retire, your monthly pension may increase to protect against increases in the cost of living.

Early unreduced retirement

With a UPP pension, you can retire with an unreduced pension as early as age 60 if your age plus your eligibility service equal at least 80 points.

Survivor benefits

Flexible, built-in options to provide for your loved ones after you pass away.

Explore your UPP pension

UPP is a contributory Defined Benefit (DB) pension plan designed to deliver you a lifelong, worry-free pension. The investment earnings of the plan, as well as the contributions made by you and your employer, are what fund your pension. Learn more about the factors that go into calculating what you and your employer contribute, and the pension you’ll receive.


Learn more about your pension

This handbook summarizes the main features of your University Pension Plan Ontario (UPP) in simple terms

Explore definitions for key terms and acronyms that make up your plan.

We answer top questions about your plan and our investing program


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