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
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
The reduction that applies is
80 - 74
= 6 x 3%
= 18% reduction
This means that your monthly 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.
Changes effective October 1, 2019, will continue to apply to ambulance paramedics. For more information, see the Board Communique: March 16, 2018.