Group Benefit Plans

Alberta School Employee Benefit Plan

Most teachers in the province belong to the Alberta School Employee Benefit Plan (ASEBP). ASEBP is administered by a board consisting of five trustees appointed by the Association and five trustees appointed by the Alberta School Boards Association. Association staff are available ( to provide advice on ASEBP benefits as well as to help teachers appeal decisions of the ASEBP. ASEBP representatives, Association staff officers in Teacher Employment Services are always available to speak to teachers.

Following is a summary of the various benefits available from ASEBP. A detailed description of ASEBP programs can be found at ASEBP can also be contacted directly at Allendale Centre East Suite 301, 6104-104 Street NW, Edmonton  T6H 2K7 or by phone at 780-431-4786 (Edmonton) or 1-877-431-4786 (toll-free).

Life Insurance

This program is designed to provide a measure of financial compensation to a designated beneficiary or beneficiaries in the event the participant dies while employed by an employer participating in the program. This insurance, which is in force 24 hours a day for as long as the member is employed, has no cash value and cannot be used as security for a loan.

Accidental Death & Dismemberment

Accidental Death & Dismemberment (AD&D) insurance provides a measure of compensation to a participant who is dismembered as the result of an accident or to a designated beneficiary or beneficiaries (in the event that the participant dies in an accident). Like Life Insurance, AD&D benefits are in force 24 hours a day for as long as the member is employed by a participating employer. If an injury results in death, the AD&D benefit is in addition to the benefit paid under the life insurance policy.

Extended Disability Benefits

Extended Disability Benefit (EDB) plans are designed to provide participants who become incapable of working because of a disability with a reasonable level of income throughout the period of disability. The ASEBP EDB plan also develops early intervention, rehabilitation and return-to-work plans for participants on EDB.

Download the Teachers’ Sick Leave and EDB Guide

Dental Care

The various Dental Care plans offered by ASEBP cover a range of services including preventive and basic restorative treatment (such as dental exams, x-rays and fillings), major restorative treatment (crowns, bridges and dentures) and orthodontic treatment. Different plans provide different levels of coverage.

Extended Health Care

ASEBP's Extended Health Care plans are designed to cover a range of health care services and supplies not covered or only partially covered by Alberta Health Care. Examples of such services are prescription medicines, semi-private hospital accommodation, physiotherapy, psychological counselling, hearing aids and out-of-province and out-of-country emergency travel. Benefits excluded from the Alberta Health Care Insurance Plan are not automatically covered by ASEBP’s Extended Health Care plans.

Vision Care

This program covers a range of vision care expenses.

Early Retiree Benefits

In many cases participants who retire before reaching age 65 can choose to continue ASEBP benefit coverage up to the end of the month in which they reach age 65 (eligibility criteria apply). Participants continue with all ASEBP benefits (excluding EDB and spending accounts) in which they were enrolled immediately before retirement.

Effective July 1, 2021, members with ASEBP coverage prior to retirement have a choice with regard to their early retiree benefits:

1. Participants may choose to stay with ASEBP for their early retirement benefits coverage. To find out the premium rates, contact ASEBP directly at 780-438-5300 or toll free at 1-877-438-4545 or

2. Participants may choose benefits through the Alberta Retired Teachers’ Association (ARTA). Contact ARTA at 780-822-2400 or toll free at 1-855-212-2400 or

Retiree benefits are an individual choice and should be based on the participant’s (and family’s) health needs, travel requirements and other factors. Do the homework before you retire.

If your school division does not carry ASEBP benefits, you may have early retiree benefits available under your employer’s benefit plan. Another option is benefits through ARTA (contact information above). 

Optional Benefits

Teachers have access to optional products and services through Capital Estate Planning, providers of the ATA Voluntary Benefit Program.

Some of these services include:

ATA Critical Illness Insurance
ATA Group Life+ Insurance, Mortgage Insurance and Permanent Insurance
ATA Personal Accident Insurance (AD&D)
ATA Group RRSP (Registered Retirement Savings Plan)
ATA Group TFSA (Tax-Free Savings Account)
ATA Group RRIF (Registered Retirement Income Fund)

For more information, please contact Capital Estate Planning at 780-463-6128 or

ATA Teachers’ Rate Program

Morgex/Johnson Insurance provides ATA members with a special Teachers’ Rate Program which includes preferred rates on home and auto insurance. To learn more about these services, please call 1-888-262-9522.

Retiree Benefits

Retirees may have several options for continued benefits. If you retire from a school division with ASEBP benefits, you may have access to ASEBP early retiree benefits until age 65, depending on your length of service with the division. If your school division does not carry ASEBP benefits, you may have early retiree benefits available under your employer’s benefit plan.

Another option is benefits through the Alberta Retired Teachers’ Association (ARTA). ARTA benefits are also available to teachers once their early retiree benefits end at age 65. Retirees should contact ARTA prior to their 65th birthday or within 60 days of losing coverage in order to ensure there is no break in coverage. Contact ARTA directly for information about these benefits at 780-822-2400 or toll free at 1-855-212-2400 or

A final option for retirees is coverage through another carrier such as Blue Cross. Research your options thoroughly and carefully as moving to another carrier may not be in your best interests and switching coverage later can have negative results.