Not 100% how it works in canada, but in Germany, you start off on the employer's program, then a combination of state and employer programs, then after some poi

Not 100% how it works in canada, but in Germany, you start off on the employer's program, then a combination of state and employer programs, then after some point (I think 18 months of non-work?) you get switched off the employer's program and onto the state's pension system, which carries some set of other consequences. I do believe pay decreases as well but not sure how much.