Joining MPP

Prepare for tomorrow. Today. Learn about joining BC’s Municipal Pension Plan.

Did you know you might be eligible for a secure income for life? Joining BC’s Municipal Pension Plan is an investment that your future self will be thankful for. Learn more about the value of a pension plan and how to determine if you’re eligible to join.

Why should you join the plan?

When you join the plan, you are saying yes to having a secure income for life. Retirement may feel like it is a lifetime away, but saying yes to a pension now will give you financial flexibility later.

The plan provides a defined benefit pension. This means your pension is calculated based on your years of service and highest average salary.

Once you join the plan, you and your employer work together to build your future pension. Every time you contribute to the plan, your employer does too. These funds are pooled with other contributions and invested to grow your pension.

As a member, every year you’ll receive an annual benefit statement from the plan. Once you receive your first statement, you’ll be able to use the personalized pension estimator to predict what your pension payment will be in retirement.

Even if you join later in your career, you can still earn pensionable time and set yourself up with secure income in retirement. It’s never too late to invest in your future.

Are you eligible to join?

The conditions for eligibility are different for full-time employees and part-time or casual employees.

Full-time employees
If you are a full-time employee, you will be automatically enrolled if you have either:

  • Completed your probationary period (although your employer can waive this requirement)
  • Been employed on a continuous full-time basis for one year

Part-time or casual employees
If you are a part-time or casual employee, your eligibility is based on how long you have worked for your employer and your overall earnings. To be eligible to join, you must meet both of the following criteria:

  • You have completed two years of continuous employment (which can include breaks of up to 52 weeks).
  • Your earnings, including overtime and other payments, are equal to at least 35 per cent of the year's maximum pensionable earnings for two calendar years in a row.

As a part-time employee, you can also join the plan if your employer passes a resolution under the terms of a negotiated collective agreement.

Interested in becoming a member? Contact your employer for more information.[1]

Want to learn more?

Check out these resources about the Municipal Pension Plan:

Live for today. Invest for tomorrow.
Your pension plan delivers excellent value for your contributions. Here’s how.
Posted: May 8, 2023

Did you know?
Learn the basics of the plan with these top five facts.
Posted: December 29, 2023

MPP Advantage
BC's Municipal Pension Plan is a recognized leader in Canada for pension plan design, governance and value to members and employers. Learn why.
Posted: December 29, 2023

Prepare for tomorrow. Today.
This one-page resource is helpful for employers, employees, unions and human resource staff who want to easily share information about the value of the plan with future members.
Posted: December 29, 2023

Watch our retirement roadtrip video
Whatever the road of life throws your way, with BC's Municipal Pension Plan you're never travelling alone. This video takes us on a trip across the province as we hear from retired members about their lives, retirement and pensions.

[1] This information is intended for employees who currently work for Municipal Pension Plan employers and are not already members of the plan. Enrollment will be handled by the plan employer.