Retirement rules for ambulance paramedics

Learn the retirement eligibility criteria that apply to some ambulance paramedics.


Different retirement rules apply if you are an ambulance paramedic with the Emergency Health Services and you:

  • Are employed full time or regular part time
  • Are a member of CUPE Local 873
  • Terminated employment on or after October 1,1995

These rules describe when you are first eligible for your pension based on your:

  • Age when you leave your job
  • Years of contributory service  

If you leave your job before the age at which you are first eligible for a pension, you may be eligible to receive your pension as a commuted value payment.

See the table below, which outlines the age and service requirements.


Age when you leave your job Years of contributory service Age you are eligible for a pension Reduction factor

Under 50 Fewer than 10* 55 5% for each year under 60 or rule of 85
 
Under 50 At least 10 but fewer than 25 50 5% for each year under 60 or rule of 80
 
Under 50 25 or more 50 5% for each year under 55
 
50 to 55 Fewer than 10* 55 5% for each year under 60 or rule of 85
 
50 to 55 At least 10 but fewer than 25 50 3% for each year under 60 or rule of 80
 
50 to 55 25 or more 50 3% for each year under 55
 
55 and older Fewer than 10* 55 5% for each year under 60 or rule of 85
 
55 and older At least 10 but fewer than 25 55 3% for each year under 60 or rule of 80
 
55 and older 25 or more 55 Unreduced pension (rule of 80)

*Less than two years of contributory service - If you are an active member after September 29, 2015, with less than two years of contributory service, the reduction factor is five per cent for each year you are under age 65.

How the reduction factor works

The above table shows the reduction factor that will be applied to your pension (based on your age when you left your job and your years of contributory service).

For example, if you want to retire at age 52 with 22 years of service the table above shows the reduction factor as “3% for each year under age 60 or rule of 80.”

We can calculate your reduction factor using the age rule:

Age = 52

Reduction
60 - 52
= 8 x 3%
= 24% reduction

When we calculate your reduction factor using the age-plus-service rule, the reduction is less:

Age plus service = 52 + 22
= 74

The reduction that applies is

80 - 74
= 6 x 3%
= 18% reduction

This means that your pension payments will be reduced 18 per cent based on the age-plus-service rule.

Leaving your job as a full-time ambulance paramedic

Different reduction factors will apply if you:

  • Move to a non-full-time ambulance paramedic position
  • Leave your job and take a job as a correctional employee
  • Leave your job and take a job with another plan employer as a general public service employee

The different reduction factors only apply if you change employee groups on or after June 24, 2014. The rules ensure that, if you move between employee groups (such as from full time to casual or from public safety to general public service), your service in each group remains eligible for the early retirement reductions that apply to that group.

Your normal retirement age and earliest retirement age will continue to be based on your employee group when you retire.

 

Page last updated: March 16, 2018


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The plan recently announced changes effective April 1, 2018, for regular members, which do not apply to ambulance paramedics. However, similar changes will apply in future. 

Changes effective October 1, 2019, will apply to this group. For more information, see the Board Communique: March 16, 2018.

IMPORTANT plan changes:

Board Communique: March 16, 2018