Your options at different ages


You’d normally take your benefits at age 65... but you have choices.

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What happens if I stop working for my employer or stop contributing to the RMPP?

If you stop working for your employer (or opt out of the RMPP) you’ll have to take your benefits at age 65 at the latest.

What happens if I keep working for my employer and wish to continue contributing to the RMPP?

If you work for your employer beyond 65 then you can continue to contribute to the RMPP. Your benefits will become payable as soon as you leave or opt out. No late retirement factor is applied.

What if I wish to take benefits before age 65?

You can apply to take benefits at any time after the age of 55 (or earlier on grounds of ill health). The benefits will generally be reduced because they are payable early - a reduction might not apply if you are retiring on grounds of ill health.