Understanding Your Deferred Member Pension Highlights

Your Deferred Member Pension Highlights is an annual statement summarizing your current status in MEPP and the information used to administer your pension. It includes your pensionable service, accumulated pension, pension partner information, beneficiary information, and other important details.

You receive this statement because you are no longer actively contributing to MEPP and have kept your pension entitlement in the Plan. Log in to Your Pension Profile to view your statement.

Section Contents

Understanding Key Sections of Your Deferred Member Pension Highlights Important Reminder: Check Your Beneficiary Information Common Questions Manage your pension online Life events and your deferred pension

Why Should I Review it Every Year?

Review your Deferred Member Pension Highlights each year to confirm that MEPP has accurate, current information for administering your pension. The statement also helps you:

Confirm your contact and personal information.

Review your pension partner and beneficiary information.

Check your date of membership, termination date, and pensionable service.

Understand the base pension you have already earned as of the statement date.

Identify questions you may need to discuss with MEPP before retirement.

Understanding Key Sections of Your Deferred Member Pension Highlights

Personal information	This section contains information used to administer your pension, such as your identifier number, date of birth, marital status, pension partner information, and beneficiary information, where applicable. Your identifier number remains the same after retirement. If information is missing or incorrect, log in to Your Pension Profile to make updates or contact the Member Services Centre for assistance.
Membership and termination dates	Your membership date is the date you enrolled in MEPP and began making contributions. This date may be different from your date of hire if you transferred service from another plan, purchased prior service, or left and rejoined the Plan. Your termination date is the date you stopped participating in MEPP.
Pensionable service	Pensionable service is the years of service for which you contributed to MEPP, plus any service recognized from a transfer or purchase of prior service. Pensionable service is one of the factors used to calculate your pension.
Accumulated pension	The pension amount shown on your Deferred Member Pension Highlights is your estimated base pension. It does not include any future service you may earn if you rejoin MEPP, any reduction for starting your pension before your unreduced date, or the effect of different pension options, such as joint lifetime options with a pension partner. The amount on your statement is an estimate of the base pension you have earned to date; it is not a retirement estimate. When you are planning for retirement, run a pension estimate in Your Pension Profile or contact the Member Services Centre to review your options.
Pension partners and beneficiaries	A pension partner is not the same as a beneficiary. A pension partner is your spouse or partner who has specific rights under the Plan rules. If you have a pension partner at the time of your death, that pension partner is automatically the sole beneficiary of your pension death benefits unless a pre-retirement death benefit waiver has been signed and filed with the Plan. A beneficiary is a person or organization you choose to receive a benefit in the event of your death. A beneficiary may receive a MEPP benefit only if you do not have a pension partner at the time of your death, or if your pension partner has waived their right to the benefit. Beneficiary updates can be completed online through Your Pension Profile or by submitting a Designation of Beneficiary(ies) form by mail. If you need to add, remove, or change a pension partner, review the forms and instructions on mepp.ca or contact the Member Services Centre.

Important Reminder: Check Your Beneficiary Information

The Plan provides survivor benefits in the event of your death. If you have a pension partner at the time of your death, that person is automatically the sole beneficiary of your pension death benefits unless a pre-retirement death benefit waiver has been signed and filed with the Plan.

If you do not have a pension partner at the time of your death, your survivor benefit will be paid to the person or people you have designated in writing before your death as the beneficiaries of your pension survivor benefit, or to your estate if there is no valid beneficiary designation on file.

Your Deferred Member Pension Highlights statement shows whether you have a pension partner or beneficiaries listed on file. Prior designations may not appear on your statement. If you are unsure whether you have designated a beneficiary or want to make a change, complete and file a new Designation of Beneficiary(ies) form with the Plan or update your information through Your Pension Profile

Common Questions

What does it mean to be a deferred member?

You are a deferred member if you no longer participate in MEPP and have left your funds in the Plan. Although you no longer contribute, your deferred pension remains part of your retirement future.

When must I begin my pension?

You may begin your pension as early as age 55, but no later than December 31 of the year you turn 71. To plan ahead, run a pension estimate in Your Pension Profile or contact the Member Services Centre to discuss your options.

If you become disabled, you may be eligible to apply for a disability pension before age 55, subject to specific eligibility criteria.

What if I have fewer than five years of pensionable service?

You must be vested before you can receive a lifetime pension. Vesting typically occurs after five years of pensionable service or, if you contributed after December 31, 2003, when you were at least age 65 upon ceasing contributions. If you have fewer than five years of pensionable service, contact MEPP to discuss the options that may be available to you.

Manage your pension online

Your Pension Profile is the secure member area of mepp.ca. Deferred members are encouraged to register and log in to access available tools and information.

Through Your Pension Profile, you can:

View pension information and Pension Highlights.
Update contact information.
Update beneficiary information.
Access pension documents.
Run pension estimates.
Submit information securely.
Send inquiries to the Member Services Centre using Secure Messages.

Life events and your deferred pension

Life events may affect your pension information and the people who may have rights to benefits. Review your information after major life events such as marriage, separation, divorce, a new common-law relationship, the birth or adoption of a child, or the death of a pension partner or beneficiary.

If you are unsure what to update, log in to Your Pension Profile, review the forms available on mepp.ca, or contact the Member Services Centre.

Contact MEPP

If you have questions about your Deferred Member Pension Highlights after reviewing this information, contact MEPP by logging in to Your Pension Profile and sending a Secure Message. You can also call the Member Services Centre.

Alberta is located on the traditional territories of many Indigenous Peoples, including lands covered by multiple historic treaties. We respect the histories, languages, and cultures of First Nations, Métis, Inuit, and all First Peoples throughout Alberta and across Canada, whose presence continues to enrich our community.

Quick Links

Contact Information

Management Employees Pension Plan
5103 Windermere Blvd. SW
Edmonton AB T6W 0S9

1-877-889-MEPP (6377)
E: memberservices@apsc.ca

Privacy Notice

Privacy Notice

Updated January 23, 2026

Introduction

This Privacy Notice outlines the Management Employees Pension Plan (MEPP) policies and practices regarding the collection, use, and disclosure of your personal information. It also explains your privacy rights regarding the administration of your pension and your use of this website.

MEPP is committed to protecting your personal information. Privacy is an ongoing responsibility, and as such, this notice will be updated periodically to reflect changes in legislation, our data practices, or privacy policies.

MEPP, in collaboration with its pension administrator Alberta Pensions Services Corporation (APS), is dedicated to safeguarding the personal and financial information entrusted to us and delivering responsive, member-focused service.

MEPP integrates internationally accepted privacy principles into our business practices. The Privacy Office oversees privacy practices and ensures compliance with all relevant legislation and internal policies through a privacy-by-design approach. All employees receive training on the importance of confidentiality and the secure handling of personal information.

Personal information collected through this website, by MEPP, and APS, is used for pension administration, member communication, and service improvement. Social insurance numbers (SIN) are primarily collected to fulfill reporting obligations to the Canada Revenue Agency. They may also be used to verify member identity in support of secure authentication processes. Collection of this information is authorized by the Alberta Protection of Privacy Act, ss 4(a), (c), and the Public Sector Pension Plans Act, s 9.2.

MEPP uses automated systems and tools, including Microsoft Copilot, to enhance decision-making, improve service efficiency, generate content, and provide insights through artificial intelligence and data analytics. These systems operate within secure infrastructure, are protected by robust privacy and security safeguards, and comply with Alberta's privacy legislation.

If you have questions about the collection or use of your information, you can contact the Privacy Office by emailing Privacy@apsc.ca or calling (780) 391-3799.

For questions about your pension, please contact the Member Services Centre at 1-877-889-MEPP (6377).

MEPP collects information provided by you, your pension plan, your employer, and publicly available data for the purposes listed above.

Does This Website Use Cookies?

Like many websites, MEPP collects information about users' utilization and navigation of our website. This website uses simple text files called 'cookies' to identify visitors and track their use. When you access this website, cookies are created and temporarily stored on your device.

These cookies collect non-identifying information about:

The device you use to access our website (operating system, screen resolution, internet browser type and version)
The webpage address from which you arrived
The date and time you accessed the website
The average time spent on a webpage
The Internet Protocol (IP) address of your device

This statistical information provides insight into how to improve our website's design, content, and navigation, helps measure the effectiveness of our services, and enhances security measures to protect your data.

Why We Collect Your IP Address

We collect your IP address to enhance your experience on our website. This information helps us understand how our site is being used, improve our services, and ensure the security of our platform. By analyzing IP addresses, we can identify and prevent potential security threats, diagnose technical issues, and provide a more personalized browsing experience.

MEPP uses your personal and financial information to effectively manage your pension and deliver high-quality service. This includes, but is not limited to:

Verifying your identity and providing the services you request;
Using your SIN to fulfill reporting obligations to the Canada Revenue Agency and may be used to verify member identity for secure authentication;
Communicating with you about your pension benefits and related information;
Responding to your inquiries and accommodating any special needs;
Ensuring accurate benefits are being paid out to members at all stages of membership;
Conducting internal quality assurance, voluntary focus groups, and member engagement activities to improve our services;
Generating insights through artificial intelligence and data analytics to enhance service delivery and operational efficiency;
Managing organizational risks and operations to ensure reliable service; and
Complying with legal and regulatory obligations.

Automated System Use

MEPP may use automated systems, including artificial intelligence tools such as Microsoft Copilot, to assist in decision-making, improve service efficiency, generate content, and provide insights through artificial intelligence and data analytics. These systems operate within secure infrastructure, are protected by robust privacy and security safeguards, and comply with Alberta's privacy legislation.

Data Protection: Our Microsoft enterprise version licensing ensures that all member and employee data stored within our cloud service is protected with robust security measures.
Privacy Assurance: Our contract with Microsoft guarantees that their Copilot large language model (LLM) does not learn from or retain any of our data, ensuring complete privacy and confidentiality.

Employees

MEPP is committed to protecting your personal information in accordance with provincial privacy legislation. Access to your information is strictly limited to employees who require it to fulfill their job responsibilities.

Unauthorized access to, or disclosure of, personal information contained within member or pensioner accounts is strictly prohibited. All employees are trained in privacy and confidentiality practices and are required to uphold these standards at all times. Breaches of these obligations are taken seriously and may result in disciplinary action, up to and including dismissal.

External Service Suppliers

MEPP may engage external service providers to perform specialized services on our behalf. In some cases, these providers may process or handle personal information. When they do, they are contractually required to protect that information in accordance with Alberta privacy legislation, as well as MEPP's privacy policies and security standards.

Service provider access is limited to only the information necessary to carry out their specific duties. MEPP makes every effort to ensure that all member data remains within Canada; however, in certain circumstances, personal information may be stored or accessed outside of Canada.

Cobrowsing sessions

The cobrowse tool on our plan website is a secure feature designed to enhance your experience by allowing you to share your screen with a member services representative in real-time for guided assistance. Data in transit is encrypted, and the cobrowse software vendor (Recursive Labs) has no access to the information displayed during the cobrowsing session.

If you initiate a cobrowse session, the representative can only view the page you are on within MEPP.ca. You can be confident that information on your screen will not be recorded and the representative will not have access to any other information on your device. Additionally, your password and social insurance number (SIN) will remain confidential and will not be visible to the representative during the session.

International Payments Using Western Union (Convera)

If you choose Western Union for your payments, MEPP will securely send your payment details to Western Union. Western Union then stores this information in both the United States and Frankfurt, Germany. MEPP prioritizes data security and ensures that your payment information is transmitted securely. Western Union adheres to stringent data protection standards to safeguard your information. To read more about their global privacy practices, visit their website. If you have questions about the payment process, please contact our Member Services Centre at 1-877-889-MEPP (6377).

Other Third Parties

MEPP is committed to maintaining the confidentiality of your personal information. We do not sell or rent your information under any circumstances. Your personal information will only be shared with third parties as permitted or required by law—for example, to comply with applicable legislation, subpoenas, or court orders.

Safeguarding Your Information

To protect the privacy of your data and personally identifiable information, MEPP maintains physical, technical, and administrative safeguards. Security technology is continually updated and tested. Access to your personal information is restricted to employees who require it to provide benefits or services to you.

Retention of Personal Information

MEPP's records comply with Alberta's Records Management Regulation, and align the organization's records retention schedule with the requirements established by the Alberta Records Management Committee (ARMC). The retention schedule is documented and formally approved by ARMC, with approval maintained throughout the lifetime of the schedule. Regular reviews are conducted to ensure that retention schedules continue to meet legal and business needs.

MEPP follows a disposition process that prevents records from being disposed of prior to fulfilling the required retention period or if disposal could affect ongoing legal or privacy matters. Specifically, for pension files, personal information related to the administration of a member's pension and benefits is retained for the entire administration of the pension benefit—from enrollment through to the final payment. After the file payout concludes, this information is kept for an additional six years, in accordance with the schedule. To obtain a copy of our records disposition schedule, please submit a written request to the Privacy Office using the contact information provided below.

Breach Notification Process

At MEPP, we take privacy breaches seriously and have a comprehensive process to ensure timely and effective responses. In the event of a breach, we:

Gather Information: Collect details about the incident to understand and prevent future occurrences.
Mitigate the Risk: Take immediate actions to minimize harm, such as requesting the return or deletion of incorrect documents.
Contain the Breach: Ensure, where possible, that the incorrect information is no longer accessible by unauthorized parties.
Notify Affected Parties: Inform the affected individuals and provide guidance on the steps they should take to protect themselves.
Report the Incident: The Privacy Breach is documented and reported to the Privacy Office. If the breach involves sensitive personal information that is determined to have the potential of causing a' real risk of significant harm' to the affected individual(s), the breach is also reported to the Alberta Office of the Information and Privacy Commissioner and Alberta's Minister of Technology and Innovation.

By following these steps, MEPP aims to effectively manage privacy breaches, minimizing their impact and maintaining trust in our privacy practices through transparent communication and continuous improvement.

Privacy Management Program & Privacy Impact Assessments (PIA)

MEPP maintains a comprehensive privacy management program to ensure ongoing compliance with Alberta's privacy legislation. Privacy Impact Assessments are conducted for new or significantly changed programs, systems, or processes that involve personal information, as required by law. These assessments help identify and mitigate privacy risks and ensure that appropriate safeguards are in place.

Children's Privacy

MEPP is committed to protecting the privacy of children. We only collect and maintain personal information related to children who are listed as beneficiaries by our members. This information is collected solely for the purpose of administering pension benefits and is handled with the utmost care and confidentiality.

We do not knowingly collect, use, or disclose personal information about children without the consent of a parent or guardian. If you believe that we have collected personal information about a child without the appropriate consent, please contact us immediately so that we can take appropriate action.

MEPP is committed to protecting your personal information and ensuring you understand your rights under Alberta's Access to Information Act and Protection of Privacy Act. As an MEPP member, you have the following rights:

Your Right	What It Means	How to Use It
Access Your Information	You can request access to records and personal information MEPP holds about you.	Write to the MEPP Privacy Office.
Correct Your Information	You can ask MEPP to correct inaccurate or incomplete personal information.	Contact MEPP with details and supporting evidence.
Request Deletion	You may request deletion of personal information, subject to legal requirements.	Contact MEPP's Privacy Office.
Be Informed About Collection	You have the right to know why and how your information is collected, used, and disclosed.	Read this Privacy Notice or contact MEPP.
Automated Decision-Making	You have the right to be informed if your information will be used in automated systems (e.g., AI, analytics).	Read the collection notices or contact MEPP.
Privacy Breach Notification	You will be notified if your personal information is involved in a privacy breach that poses a real risk of significant harm.	MEPP will contact you if this happens.
Privacy Impact Assessments	You may request information about MEPP's privacy management program and Privacy Impact Assessments for new or changed programs.	Contact the MEPP Privacy Office.
File a Complaint	You can file a complaint with the Alberta Office of the Information and Privacy Commissioner if you believe your rights have been violated.	Contact the Commissioner's office.

Right of Access under the Alberta Access to Information Act

MEPP will send you an annual member or pensioner statement and may periodically send plan-related newsletters. If you wish to obtain additional information, you can request a copy of your pension file (or specific portions of it) at any time by making a written request to the MEPP Privacy Office, including your full name, member ID (if available), contact information, and a description of the specific documents or information you wish to access.

Under the Alberta Access to Information Act, you have the right to request access to records held by MEPP, including your personal information. Requests for information can be made by sending a written request through your secure member portal (Your Pension Profile), or by mail to the address at the bottom of this notice. To avoid delays, provide sufficient detail to help MEPP identify you and the specific information you are requesting. There may be instances where access is restricted, as permitted or required by privacy legislation. Examples include information related to a third party, information subject to legal privilege, and confidential commercial information. If applicable, you will be informed of the reasons for any access restrictions. Please note that your request may incur costs depending on the information you seek.

Request for the Correction of Personal Information

You have the right to ask MEPP to correct information you believe is inaccurate or incomplete. MEPP strives to ensure that your information is accurate and complete. As pension-related decisions are made based on the information within your member file, you are encouraged to keep your information current. Information such as your contact details (mailing address, email address, and telephone numbers), beneficiaries, and bank account information can be updated online within your secure member portal. If you need additional assistance, inform MEPP that you are challenging the accuracy of your data and want it corrected. Please:

Clearly state what you believe is inaccurate or incomplete;
Explain how it should be corrected; and
Provide evidence of inaccuracies where available.

This privacy notice only addresses MEPP' use and disclosure of your personally identifiable information. As this website may contain links to other websites, please be aware that MEPP is not responsible for the privacy practices of such other websites and is not liable for their misuse of personally identifiable information. When you go to another website, we encourage you to read its privacy statement or notice carefully.

Although extensive precautions have been taken to provide a secure internet environment, MEPP cannot guarantee the privacy or security of information that is sent or received using this website. MEPP will not be liable for any damages, losses, costs or expenses, including, without limitation, direct, special, incidental, punitive or consequential damages, incurred by any person as a result of, or in any way connected with, any person's use of this website.

If you wish to exercise your rights or have questions about your privacy, please contact our Privacy Office. Note: some rights may be subject to exceptions or limitations under Alberta law. MEPP will explain any restrictions that apply to your request.

Privacy Office
Management Employee Pension Plan
5103 Windermere Blvd SW,
Edmonton, AB T6W0S9
privacy@apsc.ca
(780)391-3799

Contact Us
Cobrowse

Privacy Notice

Updated January 23, 2026

Introduction

If you have questions about the collection or use of your information, you can contact the Privacy Office by emailing Privacy@apsc.ca or calling (780) 391-3799.

For questions about your pension, please contact the Member Services Centre at 1-877-889-MEPP (6377).

MEPP collects information provided by you, your pension plan, your employer, and publicly available data for the purposes listed above.

Does This Website Use Cookies?

These cookies collect non-identifying information about:

The device you use to access our website (operating system, screen resolution, internet browser type and version)
The webpage address from which you arrived
The date and time you accessed the website
The average time spent on a webpage
The Internet Protocol (IP) address of your device

Why We Collect Your IP Address

MEPP uses your personal and financial information to effectively manage your pension and deliver high-quality service. This includes, but is not limited to:

Verifying your identity and providing the services you request;
Using your SIN to fulfill reporting obligations to the Canada Revenue Agency and may be used to verify member identity for secure authentication;
Communicating with you about your pension benefits and related information;
Responding to your inquiries and accommodating any special needs;
Ensuring accurate benefits are being paid out to members at all stages of membership;
Conducting internal quality assurance, voluntary focus groups, and member engagement activities to improve our services;
Generating insights through artificial intelligence and data analytics to enhance service delivery and operational efficiency;
Managing organizational risks and operations to ensure reliable service; and
Complying with legal and regulatory obligations.

Automated System Use

Data Protection: Our Microsoft enterprise version licensing ensures that all member and employee data stored within our cloud service is protected with robust security measures.
Privacy Assurance: Our contract with Microsoft guarantees that their Copilot large language model (LLM) does not learn from or retain any of our data, ensuring complete privacy and confidentiality.

Employees

External Service Suppliers

Cobrowsing sessions

International Payments Using Western Union (Convera)

Other Third Parties

Safeguarding Your Information

Retention of Personal Information

Breach Notification Process

At MEPP, we take privacy breaches seriously and have a comprehensive process to ensure timely and effective responses. In the event of a breach, we:

Gather Information: Collect details about the incident to understand and prevent future occurrences.
Mitigate the Risk: Take immediate actions to minimize harm, such as requesting the return or deletion of incorrect documents.
Contain the Breach: Ensure, where possible, that the incorrect information is no longer accessible by unauthorized parties.
Notify Affected Parties: Inform the affected individuals and provide guidance on the steps they should take to protect themselves.
Report the Incident: The Privacy Breach is documented and reported to the Privacy Office. If the breach involves sensitive personal information that is determined to have the potential of causing a' real risk of significant harm' to the affected individual(s), the breach is also reported to the Alberta Office of the Information and Privacy Commissioner and Alberta's Minister of Technology and Innovation.

Privacy Management Program & Privacy Impact Assessments (PIA)

Children's Privacy

Your Right	What It Means	How to Use It
Access Your Information	You can request access to records and personal information MEPP holds about you.	Write to the MEPP Privacy Office.
Correct Your Information	You can ask MEPP to correct inaccurate or incomplete personal information.	Contact MEPP with details and supporting evidence.
Request Deletion	You may request deletion of personal information, subject to legal requirements.	Contact MEPP's Privacy Office.
Be Informed About Collection	You have the right to know why and how your information is collected, used, and disclosed.	Read this Privacy Notice or contact MEPP.
Automated Decision-Making	You have the right to be informed if your information will be used in automated systems (e.g., AI, analytics).	Read the collection notices or contact MEPP.
Privacy Breach Notification	You will be notified if your personal information is involved in a privacy breach that poses a real risk of significant harm.	MEPP will contact you if this happens.
Privacy Impact Assessments	You may request information about MEPP's privacy management program and Privacy Impact Assessments for new or changed programs.	Contact the MEPP Privacy Office.
File a Complaint	You can file a complaint with the Alberta Office of the Information and Privacy Commissioner if you believe your rights have been violated.	Contact the Commissioner's office.

Right of Access under the Alberta Access to Information Act

Request for the Correction of Personal Information

Clearly state what you believe is inaccurate or incomplete;
Explain how it should be corrected; and
Provide evidence of inaccuracies where available.

Privacy Office
Management Employee Pension Plan
5103 Windermere Blvd SW,
Edmonton, AB T6W0S9
privacy@apsc.ca
(780)391-3799

Understanding Your Deferred Member Pension Highlights

Section Contents

Why Should I Review it Every Year?

Understanding Key Sections of Your Deferred Member Pension Highlights

Personal information

Membership and termination dates

Pensionable service

Accumulated pension

Pension partners and beneficiaries

Important Reminder: Check Your Beneficiary Information

Common Questions

What does it mean to be a deferred member?

When must I begin my pension?

What if I have fewer than five years of pensionable service?

Manage your pension online

Life events and your deferred pension

Contact MEPP

Quick Links

Contact Information

Does This Website Use Cookies?

Why We Collect Your IP Address

Automated System Use

Employees

External Service Suppliers

Cobrowsing sessions

International Payments Using Western Union (Convera)

Other Third Parties

Safeguarding Your Information

Retention of Personal Information

Breach Notification Process

Privacy Management Program & Privacy Impact Assessments (PIA)

Children's Privacy

Right of Access under the Alberta Access to Information Act

Request for the Correction of Personal Information