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Contribution Rates

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Contribution rates are set to cover the cost of plan benefits currently being accrued, including cost-of-living adjustments. Retired members are eligible to receive an adjustment equal to 60% of the change in the Alberta Consumer Price Index for pensionable service prior to 1993 and 70% for pensionable service after 1992. The ATRF Board adjusts contribution rates as required following each actuarial funding valuation.

Active plan members and the Alberta Government or contributing employers share equally in funding for benefits related to pensionable service after August 1992, including the 60% cost-of-living adjustments. Active plan members are solely responsible for funding the additional 10% cost-of-living adjustments provided for pen​sionable service after 1992.

Contributions are not deducted during strikes or leaves of absences (other than health-related periods of maternity leaves). As well, you do not contribute on any salary above the maximum pensionable salary in accordance with the Income Tax Act.

Year’s Maximum Pensionable Earni​​ngs (YMPE)

Your monthly contribution to the Plan is integrated with your contribution to the Canada Pension Plan (CPP) and takes the YMPE into consideration. The YMPE is the year's maximum pensionable earnings covered by the CPP.

The YMPE for 2018 is $55,900, or $4,658.33 per month, which is called the monthly maximum pensionable earnings (MMPE). This maximum changes every January 1 and the amount of your ATRF contribution changes accordingly.

Contributions: Teachers’ Pension Plan - Scho​​ol Jurisdictions and Charter Schools

Your Contrib​u​tions 2017

As of September 1, 2017, the contribution rate is 10.74% up to the monthly maximum Canada Pension Plan pensionable earnings level ($4,658.33 effective January 1, 2018) and 15.34% on pensionable earnings above that level.​​​

​Schedule of CPP Earnings, Contribution Rates and Capped Sala​​ries​

 

Year​​YMPEMMPE
Employee 
​Cont Rates (%)
Salary Cap/Mth
Employee 
Max
Conts/Mth
Govt Cont
Rates
​​Jan-18​55,900​4,658.33​10.74/15.34​13,666.00​1,882.08​11.95
​​Sep-17​​55,300​​4,608.33​​10.74/15.34​13,526.00​​1,862.91​11.95
​Jan-17​55,300​4,608.33​10.74/15.34​13,526.00​1,862.91​11.95
​Sep-16​54,900​​4,575.00​10.74/15.34​13,414.17​1,847.29​11.95
​Jan-16​54,900​4,575.00​11.44/16.34​13,414.17​1,967.70​12.65
​Sep-15​​53,600​​4,466.67​​11.44/16.34​​13,085.38​​1,919.28​12.65​
​Jan-15​53,600​4,466.67​11.44/16.34​13,085.38​1,919.28​12.65
​Sep-14​52,500​4,375.00​11.44/16.34​12,854.17​1,886.00​​12.65
Jan-1452,500​4,375.00​11.44/​16.3412,854.171,886.0012.65
Sep-13​​51,100​4,258.33​11.44/16.34​12,513.63​​1,836.08​​12.65​​
Jan-1351,1004,258.339.60/13.7212,513.631,541.4310.64
Sep-1250,1004,175.009.60/13.7212,280.291,512.8510.64
Jan-1250,1004,175.009.04/12.9112,280.291,423.8110.10
Sep-1148,3004,025.009.04/12.9111,841.751,373.0010.10
Jan-1148,3004,025.009.04/12.9111,841.751,373.0010.10
Sep-1047,2003,933.339.04/12.9111,573.501,341.9210.10
Jan-1047,2003,933.338.05/11.5011,573.501,195.258.93
Sep-0946,3003,858.348.05/11.5011,342.671,171.308.93
Jan-0946,3003,858.347.21/11.6311,342.671,148.6217.87
Sep-0844,9003,741.677.21/11.6310,844.711,095.8517.87
Jan-0844,9003,741.677.21/11.6310,844.711,095.8517.87
Sep-0743,7003,641.677.21/11.6310,351.751,042.9417.87
Jan-0743,7003,641.6710.27/14.6710,351.751,358.3714.84​

​​An Example of 2018 Contributions

If you made $7,800 per month in 2018, you would contribute:

  • 10.74% of your monthly salary up to the 2018 MMPE of $4,658.33, and
  • 15.34% of your monthly salary over $4,658.33, as shown below.

 

This is a monthly contribution of $982.24:

  • $500.31(which is 10.74% of $4,658.33), plus
  • $481.93 (which is 15.34% of $3,141.67).​

Employ​er Contributions

The Alberta Government pays an employer contribution on behalf of each active contributing plan member.

​As of September 1, 2017, the employer contribution is 11.95% of your pensionable salary.​

Contributions: Teachers’ Pensi​​​​on Plan – ATA Locals​

As of September 1, 2017, the contribution rate is 10.74% up to the monthly maximum Canada Pension Plan pensionable earnings level ($4,658.33 effective January 1, 2018) and 15.34% on pensionable earnings above that level.​​

​​​Schedule of CPP Earnings, Contribution Rates and Capped Salaries​

 

YearYMPE​​​​MMPE
Employee
Cont Rates (%)
Salary
Cap/Mth
Employee 
Max
Conts/Mth
Employer
Cont Rates
​​Jan-1855,900​​4,658.33​​​10.74/15.34​13,666.00​1,882.08​​​11.95
​​Sep-1755,300​​4,608.33​​10.74/15.34​​13,526.00​​1,862.91​​11.95
​Jan-17​55,300​4,608.33​10.74/15.34​13,526.00​1,862.91​11.95
​Sep-16​​54,900​​4,575.00​10.74/15.34​​13,414.17​1,847.29​11.95
​Jan-16​54,900​4,575.00​11.44/16.34​13,414.17​1,967.70​12.65
​​Sep-15​​53,600​​4,466.67​​11.44/16.34​​13,085.38​​1,919.28​​12.65
​Jan-15​53,600​4,466.67​11.44/16.34​13,085.38​1,919.28​12.65
​Sep-14​52,500​4,375.00​11.44/16.34​12,854.17​1,886.00​​12.65
Jan-1452,500​4,375.00​11.44/16.34​12,854.17​1,886.00​12.65​
Sep-13​​51,100​4,258.33​11.44/16.34​12,513.63​1,836.08​12.65​
Jan-1351,1004,258.339.60/13.7212,513.631,541.4310.64
Sep-1250,1004,175.009.60/13.7212,280.291,512.8510.64
Jan-1250,1004,175.009.04/12.9112,280.291,423.8110.10
Sep-1148,3004,025.009.04/12.9111,841.751,373.0010.10
Jan-1148,3004,025.009.04/12.9111,841.751,373.0010.10
Sep-1047,2003,933.339.04/12.9111,573.501,341.9210.10
Jan-1047,2003,933.338.05/11.5011,573.501,195.258.93
Sep-0946,3003,858.348.05/11.5011,342.671,171.308.93
Jan-0946,3003,858.3410.31/14.7311,342.671,500.2314.77
Sep-0844,9003,741.6710.31/14.7310,844.711,432.0514.77
Jan-0844,9003,741.6710.31/14.7310,844.711,432.0514.77
Sep-0743,7003,641.6710.31/14.7310,351.751,363.8514.77
Jan-0743,7003,641.6710.27/14.6710,351.751,358.3714.84​

 

​​An Example​​ of 2018 Contributions

If you made $7,800 per month in 2018, you would contribute:

  • 10.74% of your monthly salary up to the 2018 MMPE of $4,658.33, and
  • 15.34% of your monthly salary over $4,658.33, as shown below.

 

This is a monthly contribution of $982.24:

  • $500.31(which is 10.74% of $4,658.33), plus
  • $481.93 (which is 15.34% of $3,141.67).​

Employer Cont​ributions

As of September 1, 2017, the employer contribution rate is 11.95% of your pensionable salary.

Contribution: Private School Teachers’ Pension ​​Plan

As of September 1, 2017, the contribution rate is 9.09% up to the monthly maximum Canada Pension Plan pensionable earnings level ($4,658.33 effective January 1, 2018), and 12.98% on pensionable earnings above that level.

​Schedule of CPP Earnings, Contribution Rates and Capped Sala​​ries​

Year​YMPEMMPE
Employee
Cont Rates (%)
Salary
Cap/Mth
 
Employee 
Max
Conts/Mth
Employer Cont
Rates
​​Jan-18​55,900​4,658.33​​​9.09/12.98​13,666.00​1,592.64​10.23
​Sep-17​​55,300​​4,608.33​​9.09/12.98​​13,526.00​​1,576.41​​10.23
​Jan-17​55,300​4,608.33​9.09/12.98​13,526.00​1,576.41​10.23
​Sep-16​​54,900​​4.575.00​9.09/12.98​​13,414.17​1,563.19​10.23
​Jan-16​54,900​4.575.00​10.22/14.60​13,414.17​1,758.09​10.99
​​​​Sep-15​​53,600​​4,466.67​10.22/14.60​​13,085.38​​1,714.82​​10.99
​Jan-15​53,600​4,466.67​10.22/14.60​13,085.38​1,714.82​10.99
​​​Sep-14​52,500​4,375.00​10.22/14.6012,854.17​​1,685.09​​10.99
Jan-14​​5​2,500​4,375.00​10.22/14.60​12,854.17​1,685.09​10.99
Sep-1351,100​4,258.33​10.22/14.60​12,513.63​1,640.49​10.99​
Jan-1351,1004,258.339.31/13.3012,513.631,494.4010.04
Sep-1250,1004,175.009.31/13.3012,280.291,466.6910.04
Jan-1250,1004,175.009.31/13.3012,280.291,466.6910.04
Sep-1148,3004,025.009.31/13.3011,841.751,414.3610.04
Jan-1148,3004,025.009.14/13.0611,841.751,388.769.78
Sep-1047,2003,933.339.14/13.0611,573.501,357.329.78
Jan-1047,2003,933.337.63/10.9111,573.501,133.658.08
Sep-0946,3003,858.347.63/10.9111,342.671,110.938.08
Jan-0946,3003,858.347.54/10.7711,342.671,096.987.91
Sep-0844,9003,741.677.54/10.7710,844.711,047.127.91
Jan-0844,9003,741.677.54/10.7710,844.711,047.127.91
Sep-0743,7003,641.677.54/10.7710,351.75998.017.91
Jan-0743,7003,641.676.98/9.9810,351.75923.187.40​​

An Ex​ample of 2018 Contrib​​utions

If you made $7,800 per month during 2018, each month you would contribute:

  • 9.09% of your monthly salary up to the 2018 MMPE of $4,658.33, and
  • 12.98% of your monthly salary over $4,658.33, as shown below.

This is a monthly contribution of $831.23:

  • $423.44 (which is 9.09% of $4,658.33), p​lus
  • $407.79 (which is 12.98% of $3,141.67).
MMPEprivate.jpg
 

Employer Contributio​ns

As of September 1, 2017​, the employer contribution rate is 10.23% of total pensionable earnings.

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