Returning to Work After Retirement

Many HOOPP pensioners ask us if returning to work will somehow reduce their HOOPP benefits. The answer is no.

If you return to work with a non-HOOPP employer, your HOOPP pension is unaffected. You’ll continue to receive it for the rest of your life.

Returning to a HOOPP employer

If you find work with an employer that offers HOOPP, you have two choices:

• you can continue to receive your HOOPP pension, or
• you can re-enrol in HOOPP

What does re-enrolling mean?

Re-enrolling in HOOPP means that you stop receiving your HOOPP pension temporarily, and resume making contributions to HOOPP.

When you begin to collect your pension again, it will be adjusted to reflect the additional benefits you have built.

Determining factors

To help you figure out whether re-enrolling would make sense for you, consider:

• Can you afford to forego your HOOPP pension income while you work?
• Will you accumulate sufficient benefits to make foregoing the HOOPP pension income worthwhile?
• Will resuming contributions allow you to reach a significant age milestone, such as age 60, or an eligibility service milestone, such as 15 or 30 years?
• Will resuming contributions allow you to qualify for the bridge benefit?

Get an estimate

If you’re receiving a HOOPP pension and are – or will be – working for a HOOPP employer, you can get an estimate of what your pension would be if you temporarily stopped receiving it, and began building benefits again.

Just complete this form and send it to HOOPP. We’ll produce an estimate that can help you decide whether or not to re-enrol.