How to buy service for a leave

Find out how to buy service for a leave of absence to potentially increase your future pension.


You may be able to increase your future pension by buying service for your leave of absence. When you buy service for an approved leave of absence, you increase the pensionable and contributory service that counts toward your pension. This may increase the monthly pension you receive when you retire.

Are you eligible?

You can buy service for an approved leave if:

  • You were an active member when you took the leave
  • You buy service for the entire leave period (or in annual portions, if the leave is longer than one year)

If you decide not to return to work after a leave and want to buy service, you must apply within 30 days of ending your job with the employer that granted the leave.

Restrictions apply if you want to buy a leave of absence for a period when you contributed to a registered pension plan with any other employer. Contact us for more information.

How much will it cost?

The cost of buying service for a leave depends on the type of leave.

For maternity, parental or adoption, compassionate care, family responsibility, bereavement and jury duty leaves, the cost is based on:

  • Your current full-time-equivalent salary
  • The length of the leave period
  • The current employee contribution rate

For general leaves, the cost is based on:

  • Your current full-time-equivalent salary
  • The length of the leave period
  • The current employee and employer contribution rates

When you buy service for a general leave, you are responsible for paying the entire cost, unless:

  • Your employer is required to pay its portion under the Employment Standards Act
  • Your employer has an agreement with you to pay a portion of the cost

Sign in to My Account to use the personalized purchase cost estimator and get an estimate of the cost.

What is the deadline?

You must apply to buy service within five years of the end of your leave or within 30 days of ending your job with the employer that granted the leave, whichever comes first.

What is the process?

  1. Download the Purchase of service application form
    • To generate a form pre-populated with your personal information, sign in to My Account and run an estimate using the personalized purchase cost estimator
    • To generate a blank form, go to the Submit the Purchase of service application form page; download the Purchase of service application package and complete part A
  2. Print and sign the form
  3. Attach any required documents
  4. Submit the completed form and documents to the employer that granted your leave; the employer will complete part B and send the form to BC's College Pension Plan

Once we have processed your application, we will send you a statement showing:

  • Total cost
  • Payment due date

What are the payment options?

You must pay the full amount by the due date shown on the statement of cost. You can pay by:

  • Online banking from your personal bank account
  • Cheque, money order or bank draft (payable to College Pension Plan)
  • Transfer from an existing RRSP or locked-in retirement vehicle in your name
  • A combination of the above options

You will only receive a tax receipt if you pay by online banking, cheque, money order or bank draft.

You are responsible for ensuring the correct payment amount reaches the plan by the due date indicated on the statement. If you miss the payment deadline, you must continue to meet eligibility requirements, including the original five-year time limit, and reapply to make the purchase.

How to pay from an existing RRSP or locked-in retirement vehicle

If you wish to pay by transferring funds from an RRSP or locked-in retirement vehicle, your financial institution must make this transfer to the plan on your behalf. You should instruct your financial institution to send the exact amount owed to the plan by the due date. Ensure that your financial institution does not deduct service fees from your purchase of service payment,  as this will result in an incomplete payment.

How to pay through online banking

The following financial institutions are set up for online banking with BC Pension Corporation:

  • BMO
  • CIBC
  • HSBC
  • RBC
  • Scotiabank

To pay an invoice online:

  1. Sign in to your financial institution's online banking service.
  2. Under Add a payee, select BC Pension Corporation.
  3. For your account number, type in your Person ID (PID) number. (You can find your Person ID number on your purchase invoice or statement of cost.)

If you need help making your payment through online banking, contact your financial institution.


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