How to buy arrears

Find out how to buy arrears if there was a period when you and your employer should have contributed to the plan but didn't.


Arrears are a period when you and your employer should have contributed to BC's Public Service Pension Plan, but did not. There are two kinds of arrears: enrolment and payroll.

Enrolment arrears occur when you were not enrolled in the plan, but should have been, and were therefore not contributing to the plan.

Payroll arrears occur when your employer did not deduct and remit the required contributions to the plan when it should have.

Do you have a period of arrears?

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 will depend on the plan enrolment rules at the time you became eligible to enrol in the plan. Enrolment arrears might also occur if you are working for more than one employer participating in the plan but only contributing based on your employment with one employer.

You may have payroll arrears if your employer did not deduct pension contributions from your paycheque, even if you were correctly enrolled in the plan.

You may want to check your pay stub regularly (especially after a leave) to make sure your pension contributions are being deducted. If you aren't sure whether your employer has made (or is making) contribution payments on your behalf, follow up with your employer. 


Related content for buying arrears

Enrolling in the pension plan

Applying for your pension