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Canada Pension Plan

A contributory, earnings-related social insurance program that is paid by the federal government. It provides a measure of income to contributors and their families upon retirement, disability, and death. For further details, contact Service Canada.

WTW case management system within eePoint.

WTW secure website used to send/receive reports and other confidential member-related data. For more information, refer to Pension Administration System (eepoint) and Data Exchange Tools.

Login to DataLink

WTW Pension Administration System.  For more information, refer to Pension Administration System (eepoint) and Data Exchange Tools.

Login to eepoint

Financial Services Regulatory Authority of Ontario 

An independent regulatory agency whose role is to ensure pension plans meet the legal standard in the Pension Benefits Act (PBA). Their objective is to improve consumer and pension plan beneficiary protections in Ontario. 

Income Tax Act 

A federally legislated act with underlying regulations that outline, among other things, the maximum limits for registered pension plans. The Income Tax Act allows employees and employers to deduct pension contributions from their respective income for tax purposes and sets standards for the benefits a pension plan can provide. It is regulated by the Canada Revenue Agency (CRA) 

Data files that contain employee/member data required to administer pension benefits that are sent bi-weekly from each participating employer to WTW via:

  • I1 Data File – transmits Demographic & HR/Employment data on a bi-weekly I1 schedule  
  • I2 Data File – transmits Contribution & Payroll data on a bi-weekly I2 schedule 


Refer to Reporting Data through the I1 & I2 Data Interfaces for more information

Jointly Sponsored Pension Plan 

A pension plan in which decision making and funding of the benefits is shared jointly by both employees and the sponsor/employer. It’s a pension plan where there is a partnership in the governance of the plan. The Plan is a JSPP 

Self-service website for active, deferred and retired members to access pension-related information and transactions.

Login to My Pension Resource 

Ontario Compensation Employees Union, CUPE Local 1750 

  • Co-Sponsor of the Plan (with WSIB) 

Pension Adjustment 

The Canada Revenue Agency (CRA) deemed value of the lifetime pension benefit earned by a member during a calendar year which affects the member’s RRSP contribution room for the following year. Refer to Annual Pension Adjustment Report (I7) for more information.

Participating Employers of the Plan include:

The Workplace Safety and Insurance Board (WSIB), Infrastructure Health and Safety Association (IHSA), Public Services Health and Safety Association (PSHSA), Workplace Safety and Prevention Services (WSPS), Workplace Safety North (WSN), and the Trustees of the Workplace Safety and Insurance Board Pension Plan Fund (WISE Trust).

Pension Benefits Act (Ontario) 

Provincial pension legislation enforced by FSRA, which regulates pension plans in Ontario and determines minimum standards for eligibility, funding, and benefits for Ontario-registered pension plans. 

The base salary received by an employee for their employment position while a member of the Plan.

Refer to Frequently Asked Questions (FAQs) for specific Pensionable Earnings inclusion and exclusions.

Note: Contributions must be deducted from Pensionable Earnings in accordance with the Contribution Rate Schedule. 

Represents the total years, months and days of service during which the employee, or the employer on behalf of the employee, contributes to the Plan or Supplementary Plan and can include service during which an employee is receiving short-term, or long-term disability benefits, or while in receipt of benefits from a claim filed under the WSIA (WSIB claim benefit). 

Note: Pensionable Service is derived from member employment statuses provided by Participating Employers via the I1 Data File and required contributions amounts deducted and provided via the I2 Data File.

Pensionable service can also be purchased by members for periods of temporary employment and certain leaves of absences, or transferred in by members from another pension plan. 

Secure File Transfer Protocol 

  • Transmission method by which I1 and I2 Data Files are sent from Participating Employers to WTW. 

Safe Workplace Associations

Infrastructure Health & Safety Association (IHSA) 

Public Services Health & Safety Association (PSHSA) 

Workplace Safety & Prevention Services (WSPS) 

Workplace Safety North (WSN) 

WSIB Employees’ Supplementary Pension Plan (ESPP) 

  • A “top-up” retirement compensation arrangement that provides employees of the WSIB and SWA a pension benefit in excess of the maximum pension benefit permitted under the Plan and the ITA; the Plan and the Supplementary Plan (the “plans”) operate together to provide the same retirement benefit that the employee would have received if the ITA limits did not exist.  
  • Sponsored and administered solely by WSIB. 
  • Refer to Supplementary Plan for more information. 

WSIB Employees’ Pension Plan (often referred to as the “WISE Trust Plan” or the “EPP”) 

  • A contributory defined-benefit pension plan registered and regulated under the Ontario Pension Benefits Act (“PBA”) and the federal Income Tax Act (“ITA”). 
  • Jointly sponsored by the WSIB and OCEU and administered by WISE Trust. 
  • Refer to the Plan for more information. 

Workplace Safety & Insurance Board 

  • Co-Sponsor (with OCEU) and Participating Employer of the Plan. 
  • Sponsor and administrator of the Supplementary Plan

Workplace Insurance and Safety Employee Trust 

  • The Trustees of the Workplace Safety and Insurance Board Employees’ Pension Plan (Board of Trustees). 
  • Legal Administrator of the Plan. 

Pension contact centre for employees and members of the Plan and Supplementary Plan:

By Phone:

Call toll free: 1-855-242-1526

Outside of North America: 678-932-4144

Monday to Friday, 8:30 a.m. to 4:30 p.m. EST

By mail:

130 King Street West

Suite 1500, P.O. Box 424
Toronto, ON M5X 1E3

Online via My Pension Resource: 

Login to My Pension Resource

Willis Towers Watson  

Retiring a Member

This page provides information on the retirement process and the steps that you must follow when a retirement eligible member has initiated their retirement.

Note: If the member’s employment has been terminated and they are receiving severance through salary continuance to a future date where they may be retirement eligible (i.e., approaching age 55 or older), you must report the Severance End Date to the WTW Admin Team (cc WISE Trust) via a “Severance Report” or email notification. This will ensure the retirement is initiated, if applicable, and the retirement option package is sent out to the member well in advance of the retirement date.

Reporting a Retirement Once Initiated

A member must initiate their retirement through the WISE Trust Pension Contact Centre or My Pension Resource.

The process is as follows:

  • Retirement should be initiated by the member at least six (6) months before the retirement date
  • A member can initiate retirement through My Pension Resource website if their retirement date is within the next three (3) to 12 months, otherwise members can reach out to the WISE Trust Pension Contact Centre
  • The member will be advised to notify their Manager of their intent to retire
  • Once the retirement is initiated, WTW will create a retirement Case in eePoint and assign it to the WTW Admin Team
  • The WTW Admin Team will send any data queries to you via Case with a notification to you or your team email inbox
  • You will need to respond to the data queries within three (3) business days
  • The WTW Admin Team will finalize and mail out the “Retirement Option Form” to the member when the requested information/data is received
  • Once the Retirement Option Form is created for the member, the retirement date, as initiated by the member, will be provided to you via the biweekly Retirement Initiation (RI) Report posted to DataLink
  • Download the RI Report, initiate any internal approval process as required by your organization, and process the retirement as indicated in your HR/Payroll system(s) so that the retirement date and all final data is transmitted on the bi-weekly interface
  • All pension entitlements will be processed by WTW upon receipt of the member’s completed “Retirement Option Form”
  • For the pension payment to be issued on time, all completed forms must be received by WTW from the member no later than the first of the month before the retirement date. This is communicated to the member on the Retirement Option Form

Cancelling Retirement or Changing a Retirement Date

If the member decides to cancel or change his or her retirement date, contact WTW and WISE Trust.

  • If the member is changing their retirement date, WTW will need to reissue a revised Retirement Option Form.

If the member advises WTW directly of the cancellation or change, WTW will contact the employer.

Mandatory Retirement at Age 71

A member must start to receive a pension from the plan no later than December 1st of the year in which he or she reaches age 71 even if the member continues active employment.

  • In the first quarter of each calendar year, the WTW Admin Team will run the Age 71 Report which identifies active members who reached or will reach age 71 in the calendar year
  • You, the employer, will receive the Age 71 Report via DataLink at that time (in March) – you must update your system to ensure pension contribution deductions cease as of November 30th of the current calendar year
  • The WTW Admin Team will notify members that active participation and contributions in the Plan and the Supplementary Plan will cease as of November 30th and their pension must start no later than December 1st of the current calendar year
  • If the member does not initiate retirement prior to June 1st of the calendar year, the WTW Admin Team will issue:
    • a retirement package to the member in July with all data estimated and projected to November 30th and
    • you will receive the retirement date (December 1st) via the Retirement Initiation (RI) sent in July
      • The WTW Admin Team will send any data queries to you via Case with a notification to you or your team email inbox
      • You will need to respond to the data queries within three (3) business days
    • Process the retirement date as indicated in the RI Report in your HR/Payroll system so that it will be transmitted on the biweekly I1 HR & Demographic Data Interface
    • Ensure that pension contributions are not deducted after November 30th
    • If at any time during the calendar year, a member initiates a retirement date with an effective date prior to December 1st, refer to the Reporting a Retirement Once Initiated section above
        • the current pension contribution deduction stop date of November 30th on your HR/Payroll system should be updated to reflect the new initiated retirement date indicated on the (updated) Retirement Initiation Report

Employer updates

Employer plan announcements
2023 Member Contribution Rate Increase

2023 Contribution Rate schedule for WISE Trust members and participating employers.

Employer plan announcements
2022 Member Contribution Rates

Effective July 1, 2022, member pension contribution rates will increase by 0.6% of pensionable earnings. Employer normal cost contribution rate …

Employer plan announcements
Contribution Rate Changes

The conversion valuation report as at July 1, 2020 for the WSIB Employees’ Pension Plan (the Plan) was filed in …

Employer plan announcements
The WISE Trust Pension Contact Centre is member’s one-stop-shop

The best way to help members get their questions answered is direct them to the WISE Trust Pension Contact Centre. …