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Phase 2 access to the myUPP Member Portal: Run pension estimates and view your membership information and work history.
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.
Welcome to the myUPP Member Portal, a secure platform that provides you with additional ways to receive information and support from UPP. Starting today, you can register for the portal to communicate with UPP through secure messages, manage your pension information, upload your pension documents, and more. As a new UPP member you will receive access to the myUPP Member Portal in two stages:
You are now invited to register for the myUPP Member Portal. Creating your portal account is quick and easy. Simply confirm the last four digits of your Social Insurance Number, last name, and date of birth. Then, enter your personal email address as your user ID and create a strong password. For added security, you’ll receive an email to the address on file, likely your work email address, with a code to sign in. It’s that simple.
This fall, you will gain the ability to run pension estimates based on the Trent Staff Plan formula for pre-January 1, 2025 benefits and the UPP formula for post-December 31, 2024 benefits and view your membership information and work history.
We’ll notify you once you gain access to the various myUPP Member Portal features.
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:
“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.”
Director, Client Experience, UPP
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.
When you joined UPP, you joined thousands of members at universities across the province working towards a common goal: lifelong, dependable retirement security.
UPP will assume 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:
Once you register for the myUPP Member Portal, you can contact us with a secure message directly in the portal.
If you have any questions about your pension prior to UPP, Trent Staff Plan pension, please contact Carley Brook, Manager, Pension, Benefits & Payroll, Trent University.
If you initiated a pension-related event and it was not completed before the transition, rest assured you will receive direct support from UPP Member Services and Trent University’s Human Resources Department to ensure there is no disruption to this event.
For example, if you initiated your retirement and received your pension options before the transition but did not submit them before the transition, you will be able to submit any required information directly to UPP Member Services.
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.
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.
If you are receiving a pension under the Trent Staff Plan, you’ll receive the same pension from UPP. Cost-of-living increases (if any) will be based on the UPP fund’s rates of return.
You can contact UPP’s Member Services team at 1 (833) 627-7877 or [email protected].
If you are planning to retire in 2025, 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.
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.
No, UPP does not allow for additional voluntary contributions.
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.
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.
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.
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.
* The Contributory Pension Plan for Employees Represented by OPSEU Local 365 and Exempt Administrative Staff of Trent University
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