Our benefits, retirement and savings plans are an important part of the total value you receive for working at TD. They allow you to make the choices that are important for your lifestyle now and in the future. All of our plan details are conveniently located on our bank intranet and our Benefits & Pension website, which is available 24/7, at work or at home for all of our employees and their families to review.  Benefits Plan
 The TD Benefits Plan offers a wide range of competitive benefit options for you and your family. TD pays for essential benefits coverage that acts as your safety net in the event of serious illness. TD also provides benefit credits to help pay for any additional optional benefits you choose for you and your family. You can allocate any unused benefit credits to a Health Spending Account or Wellness Account (or both!) to pay for other medical and dental expenses or for items that help you maintain your well-being. The plan lets you choose the amount of coverage that best meets the needs of you and your family and allows you to make changes to your coverage when your circumstances change.
Employee Savings PlansEmployee Ownership Plan
In this share ownership plan, you can invest in TD shares so you can participate in the long term success of the bank. TD will match your first $250 each year, dollar for dollar, and the remainder of your contributions at 50% to an overall maximum TD contribution of 3.5% of eligible earnings or $2,250, whichever comes first. Employee Future Builder
You can also use the Employee Future Builder savings program to achieve your long- and short-term financial goals. The plan has several investment options to choose from and TD pays all program administration and investment management fees. Save for something like a vacation in a non-registered account or for retirement in a registered account, and you can even contribute a portion of your incentive award directly into a registered Employee Future Builder account – no more waiting for a tax refund!
Retirement PlansTD Pension Plan (Canada)
The TD Pension Plan (Canada) is the best fully bank-paid pension in the industry for salary up to the Year’s Maximum Pensionable Earnings (YMPE) set by the government ($48,300 in 2011). You can also enrol in a top-up to earn a competitive pension on the portion of your salary above the YMPE. All permanent employees are eligible to enrol in this plan, and because it’s a defined benefit pension plan, you’ll receive a regular income during retirement, regardless of how the plan investments perform. And your pension becomes more valuable each year because it’s based on your years of membership and salary toward the end of your career. Pension Enhancement Account
In addition, TD offers a Pension Enhancement Account that lets you save on a tax efficient basis while you work, allowing you to buy enhancements that can increase your pension when you retire.
Wellness ProgramsTo help you manage your busy career and personal life, TD offers wellness programs, tools and resources to help you and your family achieve a healthy balance and handle the challenges that life presents. - Wellness On Demand – an online video library of wellness topics presented by leading experts.
- Employee Assistance Program – free confidential counselling and support services to help you and your immediate family with personal and professional issues.
- Mental Health – access support information, online tools and professional resources.
- Ergonomic Awareness Training – advice on workstation setup, along with stretching tips to reduce the risk of injury.
- Wellness Discounts – details on partner discounts for gym memberships, equipment, and weight loss programs.
- Personal Health Improvement Program - create a customized online program that will help you improve your well-being.
- Specialist services - should you become seriously ill or injured, we help connect you and your physician with world-renowned specialists to confirm the right health diagnosis and treatment options.
| 