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)
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
November 1, 2018

New Superintendent of Pensions / Acting Deputy Superintendent of Pensions
October 3, 2018

Effective September 19, 2018, Nilam Jetha accepted an exciting position with the Status of Women Ministry as the Assistant Deputy Minister, Gender Policy, Strategy and Innovation Division.

Please be advised that Paul Owens will be the Acting Assistant Deputy Minister of Financial Sector Regulation and Policy (FSRP), and also the Superintendent of Pensions, Insurance, and Financial Institutions. Paul has been with FSRP since January 2012 as the Deputy Superintendent of Pensions and brings over 30 years of executive leadership experience to the role.

In addition, Haripaul Pannu will be the Acting Deputy Superintendent of Pensions. Haripaul had been with FSRP for the past five years as the Senior Manager, Risk Management and was most recently a Senior Manager, Pension Policy. He brings over 20 years of pension experience to the role.

EPPA Update 18-06: Filing Fee for Pension Plans effective October 1, 2018
September 11, 2018

  • In accordance with Section 153 of the Employment Pension Plans Regulation, the Superintendent of Pensions advises that the annual filing fee rate in Alberta effective October 1, 2018 is $2.50. This is the same as last year’s rate of $2.50. For more information, see EPPA Update 18-06.
  • Form 19: Annual Information Return (working copy only) has also been updated. This form may be used to assist with filing, using the Pension Online Filing System.

2017 Pensions Statistics Report
August 20, 2018

EPPA Update 18-05: Alberta Employment Pension Tribunal
July 3, 2018

  • The Alberta Employment Pensions Tribunal was established under revisions to the Employment Pension Plans Act made in September 2014. The purpose of the Tribunal is to hear appeals regarding certain decisions of the Superintendent of Pensions regarding the funding, investment and administration of a pension plan.
  • The Tribunal was appointed effective June 14, 2018. For more information, see EPPA Update 18-05 and the Alberta Employment Pension Tribunal web page.

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:  November 15, 2018