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Key dates
Fall 2025
Access to the myUPP Pension Estimate Calculator: Run pension estimates and view your membership information and work history on the muUPP Member Portal.
Resources
On January 1, 2025, University Pension Plan (UPP) became the administrator and service provider for your Trent Staff Plan. This means you will receive pension-related service and support directly from UPP’s Member Services team instead of Trent, as you currently do.
myUPP Member Portal
Welcome to the myUPP Member Portal, a secure platform that provides you with additional ways to receive information and support from UPP. Register for the portal to communicate with UPP through secure messages, manage your pension information, upload your pension documents, run pension estimates, and more.
Creating your portal account is quick and easy:
- Enter the last four digits of your Social Insurance Number, along with your last name and date of birth.
- Enter your personal email address as your username, and create a strong password (at least 12 characters, including upper- and lower-case letters, numbers, and a special character).
- For added security, you’ll receive a verification code to complete your sign in.
UPP Member Services: Your dedicated member support team
As a UPP member, you have access to pension-related support through UPP Member Services—a team of local experts who will be your primary point of contact for pension-related questions and support. You can reach them in multiple ways:
- Phone: 1-833-627-7877
- Online: via Secure Messages in the myUPP Member Portal
- Mail: University Pension Plan, PO Box 45, Toronto ON M5J 0E6
- Email: [email protected] (not recommended for sharing personal information
“Whether it’s helping you understand your options, guiding you through life events, or answering any administrative inquiries, our Member Services team is committed to getting to know you and your needs, providing the familiar, personalized service you are used to.”
Thomas Stachowicz
Director, Client Experience, UPP
UPP is designed to deliver you a lifelong, worry-free pension
UPP is a jointly sponsored defined benefit pension plan tailored by and for Ontario’s university sector. As a member of UPP, you’ll benefit from secure and predictable retirement income for life, personalized service and support, and expert investment management.
Our purpose-driven investment strategy
Our fiduciary duty is to put members first and protect their pensions. Our in-house investment team carefully considers investment assets, opportunities, and risk through the lens of the Plan’s liabilities, striking a balance between three key objectives.
Learn more about UPP
When you joined UPP, you joined thousands of members at universities across the province working towards a common goal: lifelong, dependable retirement security.
Learn more about your plan
Frequently asked questions
Contacting UPP Member Services
UPP Member Services is a dedicated team of pension experts, here to provide you with proactive, tailored support. Your UPP team will be there for you every step of the way through major life events, such as starting a family, preparing to retire, and planning for loved ones.
Who can I contact if I have questions about my pension?
UPP assumed pension administration and services for all members on January 1, 2025.
UPP’s Member Services is now your primary point of contact for any pension-related inquiries. You can reach us in multiple ways:
- Phone: 1-833-627-7877
- Online: via Secure Messages in the myUPP Member Portal
- Mail: University Pension Plan, PO Box 45, Toronto ON M5J 0E6
- Email: [email protected] (not recommended for sharing personal information)
What hasn't changed
Contributing to your pension
Your pension contributions will continue to be deducted by Trent University, who will report your contributions, pensionable service, and earnings information to UPP.
Applying for retirement
If you are an active member, you must notify Trent University, who will then prompt UPP to prepare your pension options package.
Other non-pension-related benefits
Additional employee benefits such as health, dental and life insurance will continue to be provided by Trent, and Trent’s benefit carriers, and are not impacted by the pension transition to the UPP. Any mention of ‘benefits’ from UPP refers solely to your pension benefits.
What has changed?
As part of the process to convert the Trent Staff Plan to UPP, in September of 2023, you received a package outlining the differences between the two plans. Please refer to this package for further details.
To learn more about how your Trent Staff Plan pension and your new UPP plan pension work together, review your pre-conversion quick guide.
Already receiving a pension from Trent University?
I'm a retiree, will my pension be impacted?
If you are receiving a pension under the Trent Staff Plan, you now receive the same pension from UPP. Cost-of-living increases (if any) will be based on the UPP fund’s rates of return.
Who do I talk to now about my pension? How do I reach them?
Please contact UPP’s Member Services team at 1-833-627-7877 or send us a secure message through the myUPP Member Portal.
Planning to retire?
I'm planning to retire, who do I submit my notice to?
Please notify Trent University and confirm how much notice they require to process your retirement. Trent University will then prompt UPP to prepare your pension options package.
How your plan works
What contributions are required under UPP?
The amount you contribute to the plan each year is based on your pensionable earnings, the average YAMPE (a threshold set each year by the federal government, based on the average wage in Canada) and UPP’s contribution rate. Your employer contributes an equal amount. Contributions flowing into the plan are invested by investment professionals bound by fiduciary duty to act in your best interests.
Can I make additional voluntary contributions to UPP?
No, UPP does not allow for additional voluntary contributions.
How is my pension calculated?
I work part-time. Is my pension calculated differently?
Your pension is calculated using the same formula as a full-time member. The pension formula uses your average annualized pensionable earnings and your pensionable service.
Annualized earnings are earnings that you would earn in a year if you were working on a full-time basis.
Can I withdraw a portion of my pension funds to purchase a house?
No, while retirement savings vehicles like an RRSP may be accessed through programs like the Home Buyer’s Plan, funds in a defined benefit (DB) plan are locked in and cannot be withdrawn for that purpose. A DB pension plan is designed to provide you with a predictable and secure monthly lifetime pension.
Will I receive an annual pension statement?
Each year by June 30th, you will receive an annual statement providing a snapshot of your benefits as of December 31st of the previous year. Your statement includes the benefits you earned under the Tent Staff Plan (if any), and your earliest retirement date and normal retirement date.
Does UPP offer inflation protection?
Inflation protection is a valuable benefit designed to increase the amount of your monthly pension through a cost-of-living adjustment based on the increase in the Canadian Consumer Price Index (CPI).
When you retire and begin receiving your pension, the portion attributable to UPP benefits will be subject to funded conditional indexation. This means that any indexation adjustments will be determined by UPP’s Joint Sponsors. UPP’s target funded conditional indexation is 75% of the increase in CPI for Canada but may be less based on the Plan’s overall financial health and Funding Policy. Indexation of your UPP benefits is not guaranteed, meaning if an indexation adjustment is made in any given year, it does not necessarily mean an adjustment will be made in any future year.