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Frequently Asked Questions



Here you will find answers to commonly asked queries related to pension and benefits topics.

Public Service Pension Plan (PSPP)


1. Are your contributions "locked-in" after two years?
2. What is the difference between monthly installments and paying in a lump sum for service buyback (elective service)?
3. What happens if you haven't finished paying for a period of prior service (service buyback) when you retire?
4. If you leave the Public Service and choose a transfer value, does the calculation take into account indexing?
5. You had some part-time employment; how will your pension be calculated?
6. Who manages the money for the Public Service Pension Plan?
7. What happens if you are dissatisfied with a response concerning an inquiry?

Public Service Health Care Plan (PSHCP)


1. What is meant by the coordination of benefits under the PSHCP?
2. How do you take advantage of the coordination of benefits provision of the PSHCP?
3. What percentage of your medical costs does the PSHCP pay?
4. How much do you pay for the PSHCP?
5. Are you covered if you need medical or hospital services while traveling outside Canada?
6. Are you covered under the PSHCP if your employer posts you outside of Canada?
7. Can you change your coverage levels at any time?
8. How do you make a claim for benefits under the PSHCP?
9. What happens to your coverage when you retire or otherwise leave the Public Service?
10. If you join the PSHCP when you retire, will you be covered under the same terms as when you were an employee?
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Public Service Dental Care Plan (DCP)


1. Can you find out in advance how much the DCP will reimburse you for a specific treatment?
2. How much do you pay for the DCP?
3. What happens if you and your legal spouse or common-law partner are each covered under a dental care plan?
4. How do you make a claim for benefits under the DCP?
5. Are you covered by the DCP if you are posted outside of Canada by your employer?

Disability Insurance (DI)


1. What benefits will you receive under DI or Long-term Disability (LTD) if you become disabled?
2. How much do you pay for disability benefits coverage?
3. Are you covered for disability benefits if your employer posts you outside of Canada?

Pensioners' Dental Services Plan (PDSP)


1. Who is eligible for the Pensioners' Dental Services Plan (PDSP)?
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