The Medicus Pension Plan™ is the only pension plan of its kind in Canada designed exclusively for physicians. It offers predictable retirement income that you can't outlive. Medicus is offering a limited-time pension buyback opportunity, which allows you to increase your lifetime pension income without working longer. What is a pension buyback?
If you worked as an incorporated physician before joining Medicus, you will have periods when you weren’t contributing to a pension. A buyback lets you fill those gaps by making a one-time transfer of assets into the plan using your RRSPs and, in some cases, other personal or corporate savings. The result? A bigger pension that more accurately reflects the years you’ve practiced as a physician. Why buyback?
A wide range of physicians can benefit from buying back service, whether you’ve been in practice for a few years, you're nearing retirement, or you’re somewhere in between. Consider the advantages of buying back: - Maximize your pension and enjoy a larger secure, predictable monthly pension that’s paid for life.
- Protect your loved ones with a larger pension, which means more financial security for your spouse or chosen beneficiaries.
- Simplify retirement planning by spending less time managing investments.
- Diversify your savings with a balance of predictable income (your Medicus pension) and flexible savings (such as an RRSP)—and benefit from tax advantages, too.
Secure your future — Get more information, and join Medicus by June 30, 2025 to qualify for the exclusive pension buyback. Join the growing community of physicians in Canada who’ve chosen Medicus for their retirement security. Your future self will thank you.
Medicus reserves the right to offer buybacks to plan members for limited periods of time. This limited pension buyback offering is available to physicians who join Medicus on or before June 30, 2025, and who elect to complete a buyback with an event date of June 30, 2025, by submitting a completed option form by September 30, 2025. Medicus Pension Plan™ is a registered pension plan. It is registered under the Pension Benefits Act (Ontario) and the Income Tax Act (Canada). Medicus Pension Plan™ is a trademark used under license. To determine if the Medicus Pension Plan and/or a pension buyback is appropriate for your retirement planning needs and retirement income objectives, please consult with a financial advisor. MD Financial Management (MD) provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies and Scotia Wealth Insurance Services Inc. For a detailed list of the MD Group of Companies, visit md.ca and visit scotiawealthmanagement.com for more information on Scotia Wealth Insurance Services Inc.
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