If you are a Tier I or II member, your Minimum Accumulation is the amount you must have in your QPP account to be eligible to receive a full retirement benefit (if you are not subject to an age reduction). This amount is based on factors such as your prior service, your membership date, and actual salary history from your membership date to your 20-year date. The calculation of your minimum accumulation includes the amount of your required QPP contributions that was expected up to your 20-year date.