Teachers in Alberta rely on the Alberta Teachers’ Retirement Fund (ATRF) to secure their future after years of dedicated service in the classroom. As the trustee and administrator of the province’s Teachers’ Pension Plan, ATRF is responsible for managing contributions, investments, and the disbursement of monthly pension payments.
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If you’re an active teacher planning for retirement, or a current retiree drawing your pension, it’s important to know the ATRF Pension Payment Dates 2025, along with current contribution rates and how benefits are calculated. This guide will walk you through everything you need to know.
ATRF Pension Payment Dates 2025
The ATRF pension is paid out on the third-last business day of each month, ensuring you receive your income reliably throughout the year. December is the only exception, as the payment is made earlier due to the holiday season.
Here are the official ATRF pension deposit dates for 2025:
- January 29, 2025 (Wednesday)
- February 26, 2025 (Wednesday)
- March 27, 2025 (Thursday)
- April 28, 2025 (Monday)
- May 28, 2025 (Wednesday)
- June 26, 2025 (Thursday)
- July 29, 2025 (Tuesday)
- August 27, 2025 (Wednesday)
- September 25, 2025 (Thursday)
- October 29, 2025 (Wednesday)
- November 26, 2025 (Wednesday)
- December 23, 2025 (Tuesday – early deposit due to holidays)
Mark your calendar or set up automatic alerts to keep track of when your pension lands in your account each month.
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What Is the ATRF Pension Contribution Rate in 2025?
The ATRF is a defined benefit pension plan, which means the amount you receive in retirement is based on your years of service and your average salary, not on investment returns. Both you and your employer contribute to the fund during your working years.
Here are the contribution rates for 2025:
- 8.25% on pensionable earnings up to the Canada Pension Plan (CPP) maximum
- 11.79% on pensionable earnings above the CPP maximum
These rates are designed to ensure the fund remains sustainable and can deliver consistent, predictable retirement income to Alberta’s educators.
Key ATRF Plan Details
- Eligibility: Teachers who contribute to ATRF and meet age and service requirements can retire with a pension based on their earnings and service years.
- Defined Benefit Model: Your pension is based on a formula rather than market performance, giving you long-term financial security.
- Plan Sponsors: ATRF is jointly sponsored by the Government of Alberta and the Alberta Teachers’ Association, which can adjust plan design and benefits as needed.
Planning for Retirement in Alberta
The Alberta Teachers’ Retirement Fund is widely considered one of the most secure and stable pension systems in the country. As you move closer to retirement—or if you’re already enjoying your pension—it’s essential to stay up to date on payment schedules, contribution changes, and benefits.
For teachers retiring soon, understanding how your pension is calculated, when to expect your first payment, and how to manage additional retirement income (like from a LIRA or RRSP) is crucial for peace of mind.
If you’d like help estimating your ATRF pension based on your salary and years of service—or comparing options like early vs. full retirement—just let me know!