Your Pensioner Annual Statement

Your Pensioner Annual Statement summarizes your MEPP pension as of January 1 and shows the information used to administer it. Review it each year to understand your pension payments for the coming year, confirm your personal information, and see what benefits may be payable to your pension partner, nominee, beneficiaries, or estate.

Section Contents

Understanding Your Statement Guaranteed Term Expiry Death Benefits Manage Your Pension Online Pension Payment Confirmation Letters Tax Slips

Why Should I Review it Every Year?

Review your Pensioner Annual Statement each year to:

Confirm your personal information and contact information are accurate.

Review your monthly pension payment details.

Understand any cost-of-living adjustment applied to your pension.

Review pension partner, nominee, and beneficiary information.

Understand what death benefits may be payable based on the pension option selected at retirement.

Reviewing your statement each year can help prevent future issues and support the accurate administration of your pension.

Visit mepp.ca for current information about tax slips, secure online services, pension administration, and other updates that may affect you.

Understanding Your Statement

Monthly Pension Amount	The pension amount shown on your statement is your gross monthly pension payment before income tax and any other applicable deductions are applied. Your actual deposit amount may differ from the amount shown because of income tax, other authorized deductions, or changes made during the year.
Cost-of-living adjustment (COLA)	COLA is an annual pension increase that helps keep eligible pension benefits in step with inflation. For 2026, MEPP's COLA is based on 60% of the annual increase in the Alberta Consumer Price Index, resulting in a 1.2% pension increase. The annual increase in the Alberta Consumer Price Index is calculated as the sum of the monthly Alberta Consumer Price Index values for the 12-month period ending October 31 of the previous year, divided by the sum of the monthly Alberta Consumer Price Index values for the 12-month period immediately preceding it. If the Alberta Consumer Price Index had decreased, your pension would stay the same. Your statement shows last year's pension amount and the amount for the coming year, including any COLA increase. The total pension payment from MEPP is the amount before any tax deductions.
Personal information	This section includes information used to administer your pension, including your pension partner, nominee, and beneficiary information, where applicable. Regularly reviewing this section helps MEPP administer benefits accurately.
Pension partners and beneficiaries	Your pension partner has specific rights regarding the pension. A beneficiary is a person, your estate, or other entities (such as charitable organizations) you designate to receive a benefit in the event of your death, and the death of your pension partner or nominee, if you have one, within the guaranteed term. You may designate one or more beneficiaries. Life circumstances can change over time. Reviewing your beneficiary information regularly helps ensure benefits are paid according to your wishes. You can update beneficiary information through Your Pension Profile.

Guaranteed Term Expiry

Some pension options include a guaranteed term. If you and, for a joint lifetime pension, your pension partner die before the term ends, the designated beneficiary or beneficiaries will receive the benefit remaining in the guaranteed term. The length of this term is specific to the pension option chosen at retirement.

If there are no designated beneficiaries on file, the benefit will be paid to your estate, or to the estate of your pension partner if you pass away before they do.

Important

If you elected a Joint Lifetime pension option, an expired guaranteed term does not mean your pension partner will lose their lifetime benefit.

If your statement says, "The Guaranteed Term has expired - no death benefit remains for a beneficiary," this means a survivor benefit is no longer payable to your beneficiary or beneficiaries upon your death, or upon the death of your pension partner if there was a pension partner if you chose a Joint Lifetime option at retirement.

Death Benefits

A MEPP pension benefit is paid for your lifetime and, if applicable, the lifetime of your pension partner. When you pass away, what happens next depends on the pension option you chose at retirement. Your chosen pension option is listed in your Pensioner Annual Statement under Death benefits.

Single lifetime pensions

A pension will be paid to you for as long as you live.
If you pass away before the end of the guaranteed term that you chose, such as 5, 10, or 15 years, any payments remaining in that period will be paid out to your designated beneficiary or beneficiaries, or to your estate.

Joint lifetime pensions

A pension will be paid to you for as long as you live.
If you pass away before the pension partner you named at retirement, that individual will receive a pension for as long as they live.*
Depending on the option you chose, your pension partner's payment may be the same amount or a different amount.
If both you and your pension partner or nominee pass away within the pension's guaranteed term, if it has one, payments remaining in that period will be paid out to your designated beneficiary or beneficiary(ies), or to your estate.

*This does not apply to members whose retirement was before Jan. 1, 1994, and who selected the Joint Lifetime with Reduced Survivor Benefit option.

Manage Your Pension Online

Your Pension Profile is MEPP's secure online service. Register and log in to access the features and information available online.

Through Your Pension Profile, you can:

View pension information.
Update contact information.
Update beneficiary information.
Submit documents electronically.
Send MEPP a secure message.
Access pension-related correspondence.
View tax slips.

Registration is faster if you have your 10-digit member identifier available. It appears in the top right corner of page 2 of your Pensioner Annual Statement. Visit mepp.ca and select Login to get started.

Pension Payment Confirmation Letters

MEPP periodically sends Pension Payment Confirmation letters to confirm that the pension is being paid in the right amount to the intended recipient. If you receive one of these letters, sign and return it by the deadline provided. These letters can be submitted online through Your Pension Profile.

Tax Slips

You will need your MEPP pension benefit tax slip, such as a T4A, T4A-RCA, or NR4, to file your personal income taxes.

Tax slips will be available in Your Pension Profile in the first week of February. Mailed tax slips are sent by February 28 and may take until mid-March to arrive.

If you receive pension income from more than one pension plan, you may receive separate tax slips for each pension plan.

For more information, visit Income Taxes.

Contact MEPP

If you have questions after reviewing your statement and this information, log in to Your Pension Profile and send MEPP a Secure Message. You can also call the Member Services Centre at 1-877-889-MEPP (6377).

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

Your Pensioner Annual Statement

Section Contents

Why Should I Review it Every Year?

Understanding Your Statement

Monthly Pension Amount

Cost-of-living adjustment (COLA)

Personal information

Pension partners and beneficiaries

Guaranteed Term Expiry

Important

Death Benefits

Single lifetime pensions

Joint lifetime pensions

Manage Your Pension Online

Pension Payment Confirmation Letters

Tax Slips

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