Member Handbook

The Member Handbook covers all aspects of your OMERS membership, starting from the day you enrol. While we periodically update and reprint this guide, you'll always find the most up-to-date version online.

  • Membership criteria and timing for benefit eligibility
  • Contributions and how they are calculated
  • Credited and Eligible Service
  • Retirement planning and your OMERS pension
  • How your pension is protected against inflation
  • Disability benefits
  • Leaving employment
  • Survivor benefits
  • Your OMERS pension and income tax
  • Temporary benefit calculation changes


PDF [5 MB]