Buying service for arrears
Find out what to do if there was a period when you and your employer should have contributed to the pension plan but didn’t.
Enrolment arrears and you
You may have enrolment arrears if there was a period when you did not contribute because you were not correctly enrolled in the plan.
This might happen if:
- Your enrolment in the plan was mandatory, but your employer did not deduct pension contributions from your paycheque when required to do so
- Your enrolment was optional, and you chose to join the plan but didn’t start contributing from your date of eligibility
- Your enrolment (on or after September 1, 1999) was optional, but you didn't sign the waiver to opt out; you were automatically enrolled but didn’t start contributing
- You signed the waiver to opt out and later decided to enrol, but didn’t start contributing on the date you enrolled
If enrolment arrears are identified:
- Your employer is required to immediately pay their share
- You may choose whether to pay for your portion. If you choose to do so, you must apply to buy arrears by the deadline.