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.