Your UPP pension is determined by a formula that is based on your pensionable earnings and service. The longer you work and contribute to UPP, the more pensionable service you will have and the bigger your pension will be.  You can retire with no reduction to your pension at any time after reaching the normal retirement date, or your early unreduced retirement date, whichever is earlier.  Your normal retirement date is the last day of the month in which you turn 65. Your early unreduced retirement date is the date your age and your eligibility service equal 80 or more, and you are at least 60 years of age.You can retire as early as age 55, but if you have not yet reached your Early Unreduced Retirement or Normal Retirement Dates, your pension will be reduced by 5% for each year you are under age 65.