On December 8, 2014, the Ontario government introduced Bill
56: An Act to require the establishment of the Ontario Retirement
Pension Plan regarding the establishment of the new, mandatory
Ontario Retirement Pension Plan (ORPP) effective January 1, 2017.
Bill 56 provides information about additional ORPP legislation to
come. It also provides details about the administrative entity that
will need to be set up to administer the ORPP and the collection of
information that's necessary for the purpose of establishing
The ORPP was introduced in the 2014 Ontario budget as a new
"made-in-Ontario" solution to the federal
government's decision to not expand the CPP. It will be similar
to, and build on key features of, the CPP and will be publicly
administered at arm's length from the Ontario government.
Employers and employees who are required to participate in the ORPP
would be required to contribute up to 1.9% each (total of 3.8%) on
the employee's earnings, up to a maximum earnings threshold of
$90,000. Additional details about proposed features of the ORPP can
be found in our earlier blog posting
All Ontario employers should be aware of the ORPP and how it
might impact their business.
The main concern for most Ontario employers is whether they will
be exempt from mandatory participation in the ORPP. The only
information released by the Ontario government so far is that
employees who participate in a "comparable workplace
pension plan" will be exempt. It's unclear what
"comparable" means. The legislation doesn't tell us
exactly what types of retirement savings plans will exempt
employers from the ORPP.
We will continue to provide updates on the ORPP as information
If you have questions about the ORPP or would like more
information, please do not hesitate to contact one of the pensions
and benefits experts at Dentons.
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