HOOPP

Working for Multiple HOOPP Employers

Are you working two jobs? If you are working for multiple HOOPP employers, you may have the opportunity to contribute at all your employers and build a bigger pension. You also have the option to opt out, depending on whether you work full-time or part-time.

Building your pension at multiple employers


With over 500 HOOPP employers across Ontario, building your pension has never been more convenient. You are required to join the Plan immediately when you start a full-time job with a HOOPP employer. If you are a part-time or other non-full-time worker, you have the option to enrol at any time.

In general, HOOPP members who work for more than one HOOPP employer enrol and contribute to the Plan at each employer. When you contribute at more than one employer, your total contributions from all employers will be used to calculate your annualized earnings (AE). As a result, you will have a higher AE for pension purposes. Your pension is based on a formula that takes into account your earnings and your contributory service.

Generally, there are three common work scenarios for HOOPP members:
1

You work part-time for multiple HOOPP employers.

You can decide to join HOOPP at each of your part-time employers. When you enrol in HOOPP through all your employers, your combined service and earnings are used to calculate your pension, which generally results in a higher pension amount at retirement.

3

You work full-time at one HOOPP employer and part-time at another.

Because you are already building full-time pension service, you can choose whether to contribute at your part-time job.

If you prefer not to contribute for your part-time job, you will be asked to complete a Waiver Form.

3

You work part-time at multiple HOOPP employers then move to full-time at one of them.

If you work part-time at a HOOPP employer and you become a full-time employee at a different employer, you must contribute to HOOPP for your full-time job. This employer will notify HOOPP of your full-time status. You may then choose whether to contribute for any of your remaining part-time jobs. To stop contributing at your other part-time employers, you will need to tell your employer(s) that you are contributing as a full-time member at another employer. Your part-time employer will notify HOOPP and will stop collecting contributions and submitting contributions on your behalf.

Why contribute at both your full-time and part-time employer

If you contribute at a HOOPP employer where you work full-time, you can also contribute at any other HOOPP employers where you work part-time. Your total contributions from all employers will be used to calculate your annualized earnings (AE) and you will build pension benefits based on all of your pensionable earnings. If you contribute at all of your employers, HOOPP will use your total contributions to determine your AE for pension purposes, resulting in a higher AE in the year than if you had only contributed for your full-time employment. Learn more about how your pension works.

For details about how working for multiple HOOPP employers impacts you, please contact Member Services. 

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Leaving a HOOPP employer


If you participate in HOOPP at more than one employer and terminate employment with one of them, you will continue to belong to the Plan as long as you continue to contribute at your other HOOPP employer(s).

You cannot receive a HOOPP termination or retirement benefit until you have terminated or retired from all your employers where you were enrolled in HOOPP. You do not have to terminate your employment with an employer where you are not enrolled. If you waived contributions at an employer where you were previously enrolled and decide to retire, you will terminate your membership in HOOPP for that employer. This means you do not have to terminate that employment in order to retire from HOOPP.

Up to the age of 71, if you work at a HOOPP employer after you start receiving your pension, you can choose to either continue to receive your pension, or stop it and re-enrol in HOOPP and continue making contributions to the Plan.

Learn more about leaving a HOOPP employer.  

This document provides a simplified overview of HOOPP's benefits based on the terms of the HOOPP Plan Text at the time of publication. From time to time, HOOPP may amend the HOOPP Plan Text. In cases where the information provided in this document differs from that contained in the HOOPP Plan Text, the HOOPP Plan Text will govern. More details, including the full HOOPP Plan Text and a complete description of the Plan and its benefits, can be found on hoopp.com.