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: 

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.
  • 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).  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

  • 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 Health website.

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 general information on pensions, click here for the “Time to Start a Pension” guide.

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

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Pensions News and E-Update Service

June 3, 2014 - Presentation on Bill 9 and Bill 10 to the Standing Committee on Alberta's Economic Future

May 23, 2014 - Dates and times of Bill 9 and 10 public meetings announced

May 6, 2014 - Horner responds to referral of pension bills 9 and 10 to committee

May 5, 2014 - Website Update:

April 24, 2014 - Stabilizing Public Sector Pensions: The Contribution Rate Cap discussion paper

April 17, 2014 - Public sector pension legislation

March 19, 2014 - Website Update:

March 3, 2014 - Alberta Superintendent of Pensions 2012-13 Annual Statistics Report

February 24, 2014 - Alberta puts forward long-term pension solution

December 10, 2013 - Year’s Maximum Pensionable Earnings (YMPE) for 2014

November 12, 2013 - EPPA Update 13-01

  • EPPA Update 13-01 outlines the position of the Alberta Superintendent of Pensions regarding alternative settlement methodologies for hypothetical wind-up and solvency valuations.

September 16, 2013 - Public Sector Pension Plan Reform

  • The Government of Alberta is proposing changes to improve the long-term financial health of the following public sector pension plans:  Local Authorities Pension Plan (LAPP), Public Service Pension Plan (PSPP), Management Employees Pension Plan (MEPP), and Special Forces Pension Plan (SFPP).  Stakeholders were invited to provide their input by December 31, 2013.  Click here for updates to this section.

June 22, 2013 - Extension to the June 29, 2013 filing deadline:

  • In response to the unprecedented flooding in southern Alberta, our office is providing a filing deadline extension for all Alberta registered pension plans that have the following filing(s) due by June 29, 2013.  The new filing deadline will be July 31, 2013.
    • Annual Information Return,
    • Annual Member Statements,
    • Actuarial Valuation and Cost Certificate,
    • Audited Financial Statements.

May 8, 2013 - Pooled Registered Pension Plans:

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). More information about this subscription service.

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Page last updated:  June 5, 2014