New Members

Congratulations on joining over 55,000 Newfoundlanders and Labradorians as a member of the largest pension plan in the province!

As a new member of the Public Service Pension Plan (PSPP or the Plan) you are now on a journey that will lead you to a retirement that is both secure and dependable.

We are the administrator of the PSPP and oversee the investment management of the Plan. As such, our team keeps your retirement at the heart of everything we do. Throughout your career we’ll be here to help you understand the advantages of being part of a defined benefit pension plan and what that means for your retirement.

You might be thinking that it’s too soon to be thinking about retirement, but the truth is that it’s never too early to start. By trusting us with your planning, you can build the career of your dreams while we build you a stable, secure future.

• New Member Webinar

  It’s important to understand what the Plan offers, and where to turn if you need help. In our New Member Webinar, we’ll welcome you with an overview of the top 10 things to know about Provident10 and the PSPP. Plus, you’ll have a chance to ask your question to our Member Services team in real time.

  Learn more, or register for a new member webinar.

• Who is eligible to join the Plan?

  The Plan provides pensions to full-time employees of the Government of Newfoundland and Labrador, including Government agencies, boards, commissions, and health authorities.

• Do I have to join the Plan?

  If you are employed on a full-time basis (including full-time seasonal workers) with a participating employer, you will automatically be enrolled in the PSPP.

• When can I join the Plan?

  You will generally join the Plan on the date that you are hired on a full-time basis. Specific circumstances include:

  • All eligible full-time employees must join the Plan from the date of hire.
  • Temporary employees, whose employment period will involve four calendar months of continuous service, must join the Plan on the date of hire. Temporary employees, initially hired for less than four months, must join the Plan immediately upon the employer’s determination that the employment period will extend into the fourth calendar month.
  • Seasonal (full-time) workers must join the Plan from the date of hire.
  • Employees who at one time had an option whether to join the Plan and, elected not to do so, may enroll at any time, and have the option of purchasing all eligible prior service.
• What constitutes ineligibility?

  If you are employed in any of the following categories, you do not qualify for membership in the Plan:

  • Part-time employee
  • Employee of Commission of Inquiry
  • Temporary employee hired for a period that does not involve four calendar months of continuous employment
  • Student (includes nursing and medical student)
  • Contractual employee (unless the employment contract specifies that the employee must participate in the Plan)
  • Casual employee