Retirement Security

About MSPP

J4J members in Toronto and Ottawa won a pension plan in Collective Bargaining in 2019. The Multi-Sector Pension Plan (MSPP) is a multi-employer target benefit pension plan sponsored by the Service Employees International Union (SEIU) and Canadian Union of Public Employees (CUPE); It’s administered by InBenefits and managed by an appointed Board of Trustees.

SEIU Member and Employer Contributions

Starting January 1, 2022, in Toronto, and April 1, 2022, in Ottawa, employers shall enroll all eligible employees into the Multisector Pension Plan.

Each eligible employee shall contribute for each pay period an amount equal to 1% of applicable wages to the Plan. The Employer will match your 1% contribution on your behalf to the plan. Those amounts will go up to 2% on January 1, 2025 in Toronto and April 1, 2025 in Ottawa.

Retirement Security is covered in Schedule C in Toronto CBAs and Schedule B in the Ottawa Collective Bargaining Agreement.  

Eligible Employee

Means all employees in the bargaining unit who have completed probation with the employer.

Applicable Wages

Means the basic straight time wages for all hours worked and in addition;

i. the straight time component of hours worked on a holiday; and 

ii. holiday pay, for the hours not worked; and

iii. vacation pay; and

iv. sick pay paid directly the Employer (but not short-term indemnity payments paid by an insurer) which results in the Employee receiving full payment for the hours missed due to illness. Applicable wages include any sick pay which an Employee is permitted to receive in cash despite not having been absent from the workplace; and All other payments, premiums, allowances and similar payments are excluded.

Our Fight for a Better Future

SEIU Local 2 began organizing janitors in Toronto in 2005 and the Canadian Justice for Janitors campaign officially launched in 2007. 

Thousands of janitors from dozens of companies have joined the union and made significant gains. Today there are over 10,000 cleaners in our union.

Together we faced major obstacles, including subcontracting schemes and contract-flipping without any protections. Workers were often paid less than minimum wage and didn’t enjoy other Employment Standard minimums like vacation pay and WSIB protection. Medical benefits were just a dream.

Today, SEIU Local 2 J4J members have yearly raises, extended health care benefits, including dental & vision, and in 2019, members overwhelmingly ratified an agreement where we won some retirement security through the MSPP.


InBenefits, not the Union, administers the Plan. Their call centre is open Monday to Friday 8am to 5pm ET, however, they may not be able to help you until you’ve been enrolled.

Contact information:

Telephone: 905-889-6200 (Option 2)
Toll free: 1-800-287-4816
Fax: 905-889-7313
Mailing address: 310 – 105 Commerce Valley Drive West, Markham, Ontario L3T 7W3