--- title: "Benefits for Servers in Alberta" description: "No drug plan at work? Alberta Blue Cross Non-Group Coverage is $63.50 a month for one person, less with the subsidy. Alberta’s sick leave is unpaid." url: https://www.tipmaxapp.com/ca/answers/alberta/benefits language: en publisher: TipMax (Entermaurs Incorporated) date_published: 2026-09-23 last_verified: 2026-09-23 --- # What benefits can servers get in Alberta? **Short answer:** **Register for AHCIP within 3 months of moving here.** If you don’t have a drug plan at work, you can buy Alberta Blue Cross Non-Group Coverage for $63.50 a month as a single person, or $44.45 with the premium subsidy if your taxable income is under $20,970. Job-protected leave for illness is unpaid in Alberta: 5 days a year, or up to 27 weeks for a long illness. Vacation pay doesn’t count tips. ## The rules in Alberta | Rule | What it says | | --- | --- | | Health coverage (AHCIP) | Coming from another province, register within 3 months; coverage starts the first day of the third month after you establish residence. From outside Canada, you may be covered from the day you establish residence if you apply within 3 months with all documents. | | Non-Group Coverage (Alberta Blue Cross) | Supplementary coverage, including prescription drugs, for Alberta residents under 65 registered with AHCIP. Monthly premiums are $63.50 single or $118.00 family. | | Premium subsidy | Lowers premiums to $44.45 single or $82.60 family if taxable income is under $20,970 (single), $33,240 (family, no children) or $39,250 (family with children). | | Drug co-payment | 30% of each prescription to a maximum of $35, effective April 1, 2026. | | Vacation and vacation pay | 2 weeks after each of the first 4 years, 3 weeks after 5. Vacation pay is 4% of yearly wages (6% from year 5), and wages here exclude tips and gratuities. | | General holidays | 9 a year. You need 30 workdays with the employer in the prior 12 months. Pay is your average daily wage; work a holiday that’s a normal workday and you get 1.5 times pay plus that average, or a future paid day off. | | Personal and family responsibility leave | Up to 5 days a calendar year for your own health or family responsibilities, after 90 days with the employer. Unpaid unless your contract says otherwise. | | Long-term illness and injury leave | Up to 27 weeks a calendar year from January 1, 2026, after 90 days of employment, with a medical certificate. Unpaid. | | Alberta Child and Family Benefit | For families with children under 18. The working component starts once family employment income tops $2,760. For July 2026 to June 2027, one child means up to $1,529 base and $782 working. You’re considered automatically when you file taxes. | > “For the purpose of calculating vacation pay, the definition of wages doesn’t include: overtime pay, general holiday pay, termination pay, an unearned bonus, tips and gratuities, or expenses and allowances” (Alberta: Employment standards rules, vacations and vacation pay, https://www.alberta.ca/vacation-pay) ## What’s different in Alberta Alberta’s answer to a job with no benefits plan is Non-Group Coverage: you buy supplementary health and drug coverage straight from Alberta Blue Cross for $63.50 a month as a single person, and a low taxable income knocks that down to $44.45. Prescriptions then cost 30% each, up to $35. The employment code gives time off rather than paid sick days. You get 5 unpaid days for your own health or family needs once you’ve been employed 90 days, and a long illness can hold your job for up to 27 weeks, also unpaid. Tips stay out of vacation pay, so the 4% is figured on your wage only. Servers with kids should file every year to be considered for the child and family benefit. Plus the federal programs, including EI sickness benefits and the dental plan. ## Official sources - [Alberta: Apply for health care coverage if you move to Alberta](https://www.alberta.ca/ahcip-moving-to-alberta) - [Alberta: Non-Group Coverage](https://www.alberta.ca/non-group-coverage) - [Alberta: Employment standards rules, vacations and vacation pay](https://www.alberta.ca/vacation-pay) - [Alberta: Employment standards, general holidays](https://www.alberta.ca/alberta-general-holidays) - [Alberta: Personal and family responsibility leave](https://www.alberta.ca/personal-family-responsibility-leave) - [Alberta: Long-term illness and injury leave](https://www.alberta.ca/long-term-illness-injury-leave) - [Alberta: Alberta Child and Family Benefit](https://www.alberta.ca/alberta-child-and-family-benefit) ## Last verified September 23, 2026. Checked the agency pages linked above. **Still open:** The Non-Group Coverage page lists a July-to-June benefit year while the premium subsidy application uses April to March; check with Alberta Blue Cross before you apply. The general holidays page doesn’t say whether tips count toward average daily wage. ## About TipMax Alberta figures vacation pay on wages without tips, so keeping tips and wages apart in your log shows what your 4% should be. TipMax is an iPhone app for servers and bartenders that tracks tips and tip-outs and turns a restaurant menu into study flashcards. Download TipMax free: https://apps.apple.com/us/app/tipmax-study-track-earn/id6744850146 --- TipMax Answers explains public government guidance on pay and workplace rules in plain English for tipped workers. It is **not legal, tax, or accounting advice**. Rules change and local rules can add to them. Confirm with the agency linked on this page or a qualified professional. TipMax the app helps you track tips and pay; it doesn’t enforce wage law or decide disputes.