Joining SFPP
When do you join SFPP? That depends on your regularly scheduled hours of work with an SFPP employer.
| If your regularly scheduled hours of work per week are … | You join SFPP … |
| 30 hours or more | Immediately |
| Fewer than 30 hours (starting from September 1, 2019) |
If your SFPP employer has a participation policy, on the day specified in that policy. If your employer does not have a policy, or you haven’t already met the requirements of that policy, you must join SFPP on the day you:
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Once you join SFPP, you stay in SFPP as long as you are a police officer with an SFPP employer.
Part-Time Employment Example Let’s say you start as a police officer on January 1, 2018, with 20 hours of regularly scheduled work per week. You earned $30,000 in 2018 and $32,500 in 2019.
- The first requirement is to complete two years of employment with your SFPP employer. You reach that point on January 1, 2020.
- The second requirement is to earn at least 35% of the maximum CPP earnings in two consecutive years. That would be $19,565 (35% of $55,900) in 2018 and $20,090 (35% of $57,400) in 2019. Your earnings for both 2018 and 2019 are above the 35% test.
In this case, you would join SFPP on January 1, 2020.
Find out how working part-time affects your SFPP benefit.
What about your employer’s participation policy?
Your employer has an option to set up an SFPP participation policy. This lets them have a part-time police officer join SFPP earlier than the “two years of employment” and the “35% of the maximum CPP earnings” requirements.
Despite what is in your employer’s policy, you must still join SFPP if you are working at least 30 hours of regularly scheduled work per week or meet the “two years of employment” and the “35% of the maximum CPP earnings” requirements.