Find out if you qualify for the health benefits in retirement offered by the Government of Ontario.
How to qualify
This chart summarizes the eligibility criteria for participating in a post-retirement benefit (PRB) plan.
| Hiring date eligibility criteria | Minimum service eligibility criteria | PRB plan and premiums |
|---|---|---|
| Hired before Jan. 1, 2017 | Minimum 10 years of pension service* before Jan. 1, 2017 |
RETIREE-FOCUSED PLAN
100% government-paid
(default option)
OR
LEGACY PLAN
50% government-paid
50% retiree-paid
|
| Hired before Jan. 1, 2017 with less than 10 years of pension service before Jan. 1, 2017 |
Minimum 20 years of pension service**
AND
Retire from active service to an immediate unreduced pension
|
RETIREE-FOCUSED PLAN
100% government-paid
(default option)
OR
LEGACY PLAN
50% government-paid
50% retiree-paid
|
| Hired before Jan. 1, 2017 with less than 10 years of pension service before Jan. 1, 2017 |
Minimum 10 years of pension service*
AND
Retire from active service to an immediate unreduced pension
|
RETIREE-FOCUSED PLAN ONLY
(no access to Legacy Plan)
100% retiree-paid
Enrolment is optional
|
| Hired on or after Jan. 1, 2017 |
Minimum 20 years of pension service**
AND
Retire from active service to an immediate unreduced pension
|
RETIREE-FOCUSED PLAN ONLY
(No access to Legacy Plan)
100% retiree-paid
Enrolment is optional
|
|
* or 10 years continuous employment with some pension service in each of the 10 years ** or 20 years continuous employment with some pension service in each of the 20 years |
||
Post-Retirement Benefit (PRB) plans
The PRB comparison chart is provided by the Ontario Treasury Board Secretariat. This chart provides general information about the PRB plans, but it is not a legal document and does not form a contract between the Government of Ontario and eligible retirees.
For questions about coverage before you retire, please contact your employer’s benefits advisor or human resources representative.
Optional upgrade packages for eligible OPSEU Pension Plan retirees
OPSEU Pension Plan retirees enrolled in either the Legacy Plan or in the Retiree-Focused Plan may purchase an additional suite of benefits known as the Optional Upgrade Package.