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Buy-Backs
Tariff schedules for certain service buy‑backs
Schedule 3 – Rates in effect for Buy-Backs of service accrued and credited following a change in employment status or change of employer under the RREGOP, PPMP and RPSO
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Schedule 3 – Rates in effect for Buy-Backs of service accrued and credited following a change in employment status or change of employer under the
RREGOP
,
PPMP
and
RPSO
[1]
Rates in effect as of 1 April 2023
RREGOP
Buy-back of service accrued and credited following a change in employment status or change of employer before 1 January 1988
Rates in effect as of 1 April 2023, depending on the period covered by the buy‑back
Member's age when buy-back application is received
Rates from 1 July 1973 to 30 June 1982
Rates from 1 July 1982 to 31 December 1986 or 1987
18
4.17%
4.00%
19
4.25%
4.05%
20
4.29%
4.10%
21
4.38%
4.15%
22
4.46%
4.25%
23
4.54%
4.35%
24
4.63%
4.40%
25
4.75%
4.55%
26
4.88%
4.65%
27
5.04%
4.80%
28
5.17%
4.95%
29
5.33%
5.10%
30
5.42%
5.20%
31
5.50%
5.25%
32
5.54%
5.30%
33
5.63%
5.40%
34
5.67%
5.45%
35
5.75%
5.50%
36
5.83%
5.60%
37
5.92%
5.70%
38
6.04%
5.80%
39
6.17%
5.95%
40
6.29%
6.05%
41
6.42%
6.20%
42
6.58%
6.35%
43
6.75%
6.50%
44
6.92%
6.65%
45
7.08%
6.85%
46
7.29%
7.05%
47
7.50%
7.25%
48
7.75%
7.50%
49
8.04%
7.75%
50
8.33%
8.05%
51
8.63%
8.30%
52
8.88%
8.55%
53
9.17%
8.85%
54
9.29%
8.95%
55
9.33%
9.05%
56
9.38%
9.15%
57
9.46%
9.20%
58
9.54%
9.30%
59
9.58%
9.35%
60
9.46%
9.25%
61
9.29%
9.15%
62
9.13%
9.00%
63
9.00%
8.90%
64
8.83%
8.80%
65
8.71%
8.70%
66
8.50%
8.55%
67
8.29%
8.40%
68
8.13 %
8.25%
69
7.92%
8.05%
Note 1
The rates shown in this table are subject to change without notice.
Back to reference
PPMP
and
RPSO
Buy-back of service accrued and credited following a change in employment status or change of employer before 1 January 1988
Rates in effect as of 1 April 2023, depending on the period covered by the buy‑back
Member's age when buy-back application is received
Rates from 1 July 1973 to 30 June 1982
Rates from 1 July 1982 to 31 December 1986 or 1987
24 or less
5.75%
5.45%
25
5.92%
5.65%
26
6.17%
5.85%
27
6.46%
6.15%
28
6.67%
6.40%
29
6.83%
6.55%
30
6.96%
6.65%
31
7.08%
6.75%
32
7.21%
6.90%
33
7.33%
7.00%
34
7.46%
7.10%
35
7.58%
7.20%
36
7.67%
7.30%
37
7.75%
7.40%
38
7.83%
7.50%
39
7.96%
7.60%
40
8.08%
7.75%
41
8.21%
7.85%
42
8.33%
8.00%
43
8.50%
8.15%
44
8.71%
8.35%
45
8.88%
8.50%
46
9.08%
8.70%
47
9.29%
8.90%
48
9.50%
9.10%
49
9.75%
9.35%
50
10.00%
9.55%
51
10.25%
9.80%
52
10.54%
10.10%
53
10.83%
10.35%
54
11.00%
10.55%
55
11.08%
10.65%
56
11.13%
10.70%
57
11.04%
10.65%
58
10.88%
10.55%
59
10.79%
10.50%
60
10.67%
10.40%
61
10.58%
10.35%
62
10.46%
10.25%
63
10.33%
10.15%
64
10.21%
10.10%
65
10.08%
10.00%
66
9.83%
9.80%
67
9.63%
9.60%
68
9.38%
9.45%
69
9.13%
9.25%
70
8.88%
9.05%
71
8.63%
8.85%
RREGOP
Buy-back of service accrued and credited following a change in employment status or change of employer after 31 December 1987
[2]
Rates in effect as of 1 April 2023, depending on the period covered by the buy‑back
Member's age when buy-back application is received
Rates before 1 July 1982
Rates from 1 July 1982 to 31 December 1999
Rates as of 1 January 2000
18
10.0%
8.0%
8.8%
19
10.2%
8.1%
9.0%
20
10.3%
8.2%
9.1%
21
10.5%
8.3%
9.2%
22
10.7%
8.5%
9.4%
23
10.9%
8.7%
9.6%
24
11.1%
8.8%
9.8%
25
11.4%
9.1%
10.1%
26
11.7%
9.3%
10.3%
27
12.1%
9.6%
10.7%
28
12.4%
9.9%
11.0%
29
12.8%
10.2%
11.3%
30
13.0%
10.4%
11.5%
31
13.2%
10.5%
11.7%
32
13.3%
10.6%
11.8%
33
13.5%
10.8%
11.9%
34
13.6%
10.9%
12.0%
35
13.8%
11.0%
12.2%
36
14.0%
11.2%
12.4%
37
14.2%
11.4%
12.6%
38
14.5%
11.6%
12.9%
39
14.8%
11.9%
13.1%
40
15.1%
12.1%
13.4%
41
15.4%
12.4%
13.7%
42
15.8%
12.7%
14.0%
43
16.2%
13.0%
14.4%
44
16.6%
13.3%
14.7%
45
17.0%
13.7%
15.1%
46
17.5%
14.1%
15.5%
47
18.0%
14.5%
16.0%
48
18.6%
15.0%
16.5%
49
19.3%
15.5%
17.1%
50
20.0%
16.1%
17.7%
51
20.7%
16.6%
18.4%
52
21.3%
17.1%
18.9%
53
22.0%
17.7%
19.5%
54
22.3%
17.9%
19.8%
55
22.4%
18.1%
19.9%
56
22.5%
18.3%
20.1%
57
22.7%
18.4%
20.3%
58
22.9%
18.6%
20.5%
59
23.0%
18.7%
20.6%
60
22.7%
18.5%
20.3%
61
22.3%
18.3%
20.0%
62
21.9%
18.0%
19.7%
63
21.6%
17.8%
19.5%
64
21.2%
17.6%
19.2%
65
20.9%
17.4%
18.9%
66
20.4%
17.1%
18.5%
67
19.9%
16.8%
18.2%
68
19.5%
16.5%
17.8%
69
19.0%
16.1%
17.4%
Note 2
The cost of the buy-back must be at least equal to 200% of the contributions that would have been paid during the period covered by the buy-back of an absence without pay that began after 31 December 2007, and for which the application was received more than 6 months following the end of the absence.
Back to reference
PPMP
and
RPSO
Buy-back of service accrued and credited following a change in employment status or change of employer after 31 December 1987
[3]
Rates in effect as of 1 April 2023, depending on the period covered by the buy‑back
Member's age when buy-back application is received
Rates before 1 July 1982
Rates from 1 July 1982 to 31 December 1999
Rates as of 1 January 2000
24 or less
13.8%
10.9%
12.1%
25
14.2%
11.3%
12.5%
26
14.8%
11.7%
13.1%
27
15.5%
12.3%
13.6%
28
16.0%
12.8%
14.2%
29
16.4%
13.1%
14.5%
30
16.7%
13.3%
14.8%
31
17.0%
13.5%
15.0%
32
17.3%
13.8%
15.3%
33
17.6%
14.0%
15.6%
34
17.9%
14.2%
15.8%
35
18.2%
14.4%
16.0%
36
18.4%
14.6%
16.2%
37
18.6%
14.8%
16.4%
38
18.8%
15.0%
16.7%
39
19.1%
15.2%
16.9%
40
19.4%
15.5%
17.2%
41
19.7%
15.7%
17.4%
42
20.0%
16.0%
17.7%
43
20.4%
16.3%
18.1%
44
20.9%
16.7%
18.5%
45
21.3%
17.0%
18.9%
46
21.8%
17.4%
19.3%
47
22.3%
17.8%
19.7%
48
22.8%
18.2%
20.2%
49
23.4%
18.7%
20.7%
50
24.0%
19.1%
21.2%
51
24.6%
19.6%
21.8%
52
25.3%
20.2%
22.4%
53
26.0%
20.7%
23.0%
54
26.4%
21.1%
23.4%
55
26.6%
21.3%
23.6%
56
26.7%
21.4%
23.7%
57
26.5%
21.3%
23.5%
58
26.1%
21.1%
23.3%
59
25.9%
21.0%
23.1%
60
25.6%
20.8%
22.9%
61
25.4%
20.7%
22.7%
62
25.1%
20.5%
22.5%
63
24.8%
20.3%
22.3%
64
24.5%
20.2%
22.1%
65
24.2%
20.0%
21.9%
66
23.6%
19.6%
21.4%
67
23.1%
19.2%
20.9%
68
22.5%
18.9%
20.5%
69
21.9%
18.5%
20.0%
70
21.3%
18.1%
19.5%
71
20.7%
17.7%
19.0%
Note 3
The cost of the buy-back must be at least equal to 200% of the contributions that would have been paid during the period covered by the buy-back of an absence without pay that began after 31 December 2007, and for which the application was received more than 6 months following the end of the absence.
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