Pensions in Alberta - Overview

There are several types of pensions for people in the province of Alberta.  Most pension plans fall into one of four categories:

  1. Private sector employment pensions - pension plans established by private sector employers (or groups of employers or unions) for their employees;

  2. Public sector employment pensions - pension plans for employees working in the public sector, (provincial and municipal public service, health and education);
Are you a member of one of the
public sector pension plans?
Are you a member of the Teachers' Pension Plan or Private School Teachers' Plan?
See more information, or visit the Alberta Pensions Services Corporation (APS)
website.
See more information, or visit the Alberta Teachers' Retirement Fund Board (ATRF) website.
  1. Retirement income programs administered by the federal government for Canadians - these include the Canada Pension Plan (CPP), Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). Further information on these programs is available from the federal government. The provinces are joint stewards of the Canada Pension Plan along with the federal government and help establish policy for the Canada Pension Plan; and

  2. Alberta Seniors Benefit Program – provides support in addition to the federal benefits received under Old Age Security, Guaranteed Income Supplement, Federal Allowance and the GST credit.  It is based on income and provides monthly benefits to eligible seniors.
For more information on benefits and programs for seniors, see:

Quick Facts - Programs and Services for Seniors (pdf)
from the Alberta Seniors and Housing website.

Please note that pension plans established by companies in federally regulated industries (such as banks, airlines, and telecommunications companies) are governed by the federal pension standards legislation, the Pension Benefits Standards Act, (1985) (Canada). The federal government's Office of the Superintendent of Financial Institutions is the primary regulator and supervisor of federally regulated private sector pension plans. The federal government also manages the pension plans for federal public service employees.

For information on accessing pension funds, click here for the “Accessing Pension Funds" guide.

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Pensions News and E-Update Service

Superintendent's List updated
June 1, 2018

EPPA Update 18-04: Cost Certificate, 2018
May 31, 2018

EPPA Update 18-03: Eligibility for Pension Credit Splitting on Relationship Breakdown Extended to Common-Law Spouses
May 23, 2018

Draft Interpretive Guideline IG-21
May 3, 2018

EPPA Update 18-02: Annual Information Return - 2018
April 10, 2018

EPPA Update 18-01: Defined Benefit Funding Relief Provisions - 2018
March 23, 2018

  • In accordance with Section 5 of the Employment Pension Plans Act, the Superintendent of Pensions is now accepting applications from defined benefit pension plan administrators to extend the solvency deficiency amortization period by up to 10 years. This relief is intended to assist plan sponsors with the financial pressures associated with the ongoing low interest rate environment. This update is designed to instruct administrators on the requirements of the solvency relief and identify any special filing requirements related to those options. Read EPPA Update 18-01.

Changes Reflecting the 2018 YMPE (Year’s Maximum Pensionable Earnings)
January 2, 2018

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Subscription Service: Subscribe to our Employment Pensions E-Update

  • The purpose of our electronic update is to keep subscribers up-to-date and informed about major changes to the Employment Pensions website and the documents residing on that site (including changes to legislation and policies). Subscribe today!

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Page last updated:  June 1, 2018