ATA VOLUNTARY BENEFITS
The Only Financial Program Built Specifically for Alberta Teachers
You’ve Dedicated Your Career To Helping Others. Are You Helping Yourself?
ATA Voluntary Group Savings benefits give you exclusive access to high-quality savings and insurance programs, complete with institutional fund access and the seamless convenience of automating with payroll deduction.
Capital Planning is the only organization authorized to provide these Voluntary Group Savings benefits and insurance options to ATA members. We’ve been here for teachers for over 40 years—and we’re not going anywhere.
Learn More About ATA Group RRSP or TFSA
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Access Your Portfolio
Designed Specifically for Alberta Teachers
In some ways, teachers are well supported. You have access to a strong pension through ATRF, and you have some insurance support through your school board benefit coverage.
But teachers also face unique challenges. And it’s okay if you haven’t had a chance to think about this for a while—between lesson plans, parent-teacher meetings, and everything else you do, life gets busy.
We’re here to help.
We help teachers to:
- Build Emergency Funds to help handle sudden expenses — or drops in income
- Top up their Pension savings with long-term savings that they control
- Save for big expenses — like a home purchase
- Protect their families from the consequences of critical illness and death
ATA Voluntary Benefit Options
Explore the high-value savings and insurance programs available only to ATA members.
ATA Group RRSPBUILD RETIREMENT SAVINGS THAT WORK WITH YOUR ATRF PENSION
Explore the high-value savings and insurance programs available only to ATA members.
- Reduced Fees*: No charges to set up, make changes, or get advice on your plan, and no annual transaction fees
- Fund Access: Use the plan’s default investment to automatically choose an asset mix built for you, or make your own choices from some of the highest-performing institutional funds available
- Convenience: Automate your contributions via payroll deduction, so you can set it and forget it and watch your wealth grow!
- In-House Advisory Support: Our Alberta-based team works directly with ATA members to help with enrollment, fund choices, and long-term planning.
*Investment Management Fees still apply
ATA Group TFSAflexible, tax-free savings that fit your life.
Save for any life goal with investment growth and withdrawals that are entirely tax-free.
- Tax-Free Advantage: All investment growth and withdrawals are completely tax-free.
- Flexible Saving: Ideal for emergency funds, down payments, or supplementing retirement income without penalty.
- Broader Investment Choices: Access the same lineup of institutional investment funds as our ATA Group RRSP, including high-growth options
ATA Group RESPSAVE FOR YOUR CHILD’S EDUCATION WITH HELP FROM GOVERNMENT GRANTS
Your kids’ education matters. Let’s make saving for it a little easier.
- Government Grants: Access the Canada Education Savings Grant (CESG), which provides a 20% match on qualified contributions.
- Simple Saving: Benefit from professional investment management and easy payroll deduction.
- Growth-Focused: The underlying investment is a Target Date Fund, designed to come to maturity when your child turns 18. This fund will automatically become more conservative as it nears the maturity date.
ATA Group RRIFconvert your savings into flexible retirement income
When you’re ready to retire, we make the transition seamless, converting your ATA Group RRSP into a predictable income stream.
- Seamless Transition: Convert your savings by age 71 while maintaining access to the same institutional fund managers.
- Guidance: Get support with mandatory minimum withdrawals, tax planning, and overall retirement strategy.
ATA Group Term Life InsuranceAFFORDABLE LIFE INSURANCE DESIGNED FOR ALBERTA SCHOOL BOARD EMPLOYEES
Protecting your family shouldn’t be complicated. We make it simple.
- Group rates exclusive to ATA members
- Coverage options that meet a variety of family needs (choose from an existing group coverage or let us customize one for you!)
- Potential creditor protection with named beneficiaries
- Maintain insurance even if you move employers
ATA Group Mortgage InsuranceKEEP YOUR FAMILY PROTECTED IF THE UNTHINKABLE HAPPENS
If you die suddenly, the bank will come knocking, expecting your full mortgage to be paid out. If your loved ones can’t pay off the mortgage, they’ll lose the home. Protect your family with mortgage insurance!
- Portable protection that follows you even if you change lenders or move homes
- Consistent, transparent coverage that does not decrease as your mortgage is paid down
- Ability to choose your own beneficiary
- Support from advisors who understand ATA members’ financial needs
ATA Group Critical Illness InsuranceFinanacial Protection DUring Serious Illness
A serious illness shouldn’t lead to a financial crisis. This is essential protection for you and your family.
- Exclusive Access: This program includes online pricing and online purchase options exclusive to ATA members.
- Tax-Free Payout: Receive a lump sum payment (typically $25,000 to $300,000) if diagnosed with one of 25+ major illnesses (like cancer, heart attack, or stroke).
- Use Funds for Anything: The tax-free money can cover lost income, child care, medical expenses, or basic bills — whatever you need.
Additional ATA Member BenefitsSUPPORT BEYOND SAVINGS AND INSURANCE
Your partnership with Capital Planning extends beyond managing your money! It includes personalized support for your entire financial journey.
- ATRF Pension Integration & Planning: Access one-on-one financial planning and our exclusive ATA Pre-Retirement seminars for the guidance you need when nearing retirement.
- Member Education: We’re the financial speaker at the ATA’s Pre-Retirement and Financial Wellness Sessions, and present on Financial Wellness for ATA Locals and School Boards
- Account Access: Benefit from 24-hour account access through the GRS online portal to view balances and make investment changes.
- Convention Sessions: Get insights from our education-focused sessions at Teachers’ Conventions.
What Other Capital Planning Members Are Saying
Speak to a Real Person
When was the last time you spoke to a real person about your benefits? We listen first, then we help. Whether you are ready to apply or simply exploring your options, our Alberta-based ATA specialists are here to help.