Alberta School Employee Benefit PlanTop of page

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 (tw@ata.ab.ca) to provide advice on ASEBP benefits as well as to help teachers appeal decisions of the ASEBP. ASEBP representatives, Association staff officers in Teacher Welfare and economic consultants 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 http://www.asebp.ab.ca. ASEBP can also be contacted directly at Allendale Centre East Suite 301, 6015 104 Street NW, Edmonton  T6H 2K7 or by phone at 780-438-5300 (Edmonton) or 1-877-438-4545 (elsewhere in Alberta).

Life Insurance

This program is designed to provide a measure of financial compensation to a designated beneficiary or beneficiaries in the event that the participant dies from any cause 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, polishing 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) that they were enrolled in immediately before retirement. To enroll in early retiree benefits, contact the Alberta Retired Teachers’ Association at 780-822-2400 or toll free at 1-855-212-2400 or www.arta.net.

Optional BenefitsTop of page

ATA Critical Illness Insurance

What would you do if you got a cancer diagnosis?  The ATA Group Critical Illness Insurance plan was built to help teachers and their spouses survive financially through a health crisis from cancer, heart attack, stroke and 22 other critical illnesses.

It pays out between $25,000 to $300,000 as a single benefit – and doesn’t affect your disability payments.

For more information, please contact Capital Estate Planning, Providers of the ATA Voluntary Benefit Program at 780-463-6128 or strategies@capitalplanning.ca.

ATA Group Life+ Insurance, Mortgage Insurance and Permanent Insurance

How would your family cope if you died suddenly?  The Life Insurance Programs in the ATA Voluntary Benefits Program are built to help teachers and their spouses cope with this worst-case scenario. 

ATA Group Life+ is a great solution for younger teachers, with very inexpensive coverage.  Unlike creditor insurance from the banks, you own Mortgage Insurance yourself – and decide where the money goes. Permanent Insurance helps you leave a legacy – and gives you guaranteed insurance costs for life.

For more information, please contact Capital Estate Planning, Providers of the ATA Voluntary Benefit Program at 780-463-6128 or strategies@capitalplanning.ca.

ATA Personal Accident Insurance (AD&D)

ATA Accidental Death & Dismemberment insurance is a voluntary plan that will provide you with compensation if you die accidentally, or suffer a serious accident.

This program is administered by Capital Estate Planning, Providers of the ATA Voluntary Benefit Program.  They can be contacted at 780-463-6128 or strategies@capitalplanning.ca for more details, or for full plan descriptions and application information, please go directly to https://www.solutionsinsurance.com/ata/insurance-plans/accidental-death-and-dismemberment-insurance

ATA Group RRSP (Registered Retirement Savings Plan)

What are you doing after school?  In addition to your pension, the ATA Group RRSP was built to help you save for your future.  It’s available by Payroll Deduction at nearly every School Board in Alberta, and has been an ATA voluntary benefit for over 35 years. 

There are Spousal RRSP plans available too, which are used if one person (the teacher) has a pension and their spouse doesn’t. 

Capital Estate Planning, the Administrators of the ATA Group RRSP also present to teachers on financial literacy through their work with the ATA’s Retirement Consultants throughout the Province.

For more information, please contact Capital Estate Planning, Providers of the ATA Voluntary Benefit Program at 780-463-6128 or rrsp@capitalplanning.ca.

ATA Group TFSA (Tax-Free Savings Account)

What are you saving for?  The ATA Group TFSA enables you to put money into an account now and take everything out tax free: both what you put in and the returns.  If you’ve never contributed, you have up to $52,000 in contribution room you could use.

With the ATA Group TFSA, you have access to the same wide range of investment choices as in the ATA Group RRSP – and it’s all on one statement.  This can be a great way to save up for a big purchase, a trip, or just a rainy-day fund.

For more information, please contact Capital Estate Planning, Providers of the ATA Voluntary Benefit Program at 780-463-6128 or rrsp@capitalplanning.ca.

ATA Group RRIF (Registered Retirement Income Fund)

When it comes time to take money back out of your ATA Group RRSP, that’s where the ATA Group RRIF comes in. A RRIF gives you a regular income stream that you control – you can “turn on the tap” as needed.

With the same investment choices as the ATA Group RRSP & TFSA, many teachers use their ATA Group RRIF to consolidate all their investments when it’s time to start taking money out. (According to the Canada Revenue Agency, this must be done no later than your 71st year.)

For more information, please contact Capital Estate Planning, Providers of the ATA Voluntary Benefit Program at 780-463-6128 or rrsp@capitalplanning.ca.

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 BenefitsTop of page

Retirees may have several options for continued benefits. If you retire from a school district with ASEBP benefits, you may have access to ASEBP early retiree benefits until age 65, depending on your length of service with the district. If your school district 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 www.arta.net.

Another 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.