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APEX Supplementary Pension Plan

Enhance your competitive edge.

Designed to complement the Local Authorities Pension Plan (LAPP), APEX is our defined benefit plan that can be a powerful attraction and retention tool for your employees. Municipalities must compete for talent with the private sector and the provincial government, and APEX is designed to help you do that.

APEX supplements the LAPP benefit to the maximum allowable under the Canada Revenue Agency’s (CRA) regulations, making your employees’ compensation package more competitive, with minimal impact on municipal budgets. Combined, they form a single pension promise up to the same limit CRA applies across all industries.

Facts about APEX:

  • APEX is a defined benefit plan.
  • Individuals must participate in LAPP to be eligible to participate in APEX.
  • Contributions are shared between employers and employees.
  • Contributions are tax-deductible.
  • The employer determines which employee classifications are eligible to participate for their organization.

To learn more, download our 2021 APEX at a glance.

Additional resources:

APEX Pension Estimator APEX Member Handbook Updates on changes to APEX


APEX: Overview
This brief video provides APEX pension plan contributors a broad overview of how the APEX supplementary pension plan works.


APEX: People in your life
This brief video explains beneficiaries and pension partners for APEX supplementary pension plan contributors.


APEX: Pension Options
In this brief video, APEX supplementary pension plan contributors will learn about their options for collecting their pension payments.