Skip to the content

Join CAAT CEO Derek W. Dobson for a webinar on benefit security

November 19, 2020 at Noon EST

Register for the webinar

icon image of hands holding a seed


On average, contributions to DBplus go twice as far in delivering retirement income than group RRSPs or defined contribution (DC) plans. This is due to CAAT’s expertise, scale, and profit-for-members trust structure.

Plus, valuable features such as inflation protection, survivor benefits, and early retirement options are built into DBplus.

Estimate a DBplus pension
Get a quick and easy estimate of how much lifetime retirement income you’ll get from contributions to DBplus.

security checkmark


Employees enjoy the security of retirement income paid monthly for life.

Together, employers and employees benefit from the stability, sustainability and efficiency of an independent, professionally managed pension plan that’s governed by members and employers.

The CAAT Pension Plan stands 118% funded on a going-concern basis.

Read more about Plan funding.

icon image of gears with dollar sign


Employer costs are limited to their contributions, at the rate they select between 5% and 9% of employee earnings. There is no balance sheet risk or contribution volatility.

Employees have the assurance of knowing their pension will be there for them in retirement, with a plan that isn’t reliant on the health of any one employer.

checkmark sign inside arrows shifting clockwise


Employers benefit from the simplicity of minimal administration and cost predictability, similar to a DC plan or group RRSP, but with the unparalleled benefits of a defined benefit (DB) plan for employees.

Liability risk, investments, regulatory compliance, administration, governance and member communication are all managed by the dedicated experts at CAAT.

Employees are spared the complexity and stress of making investment decisions about their retirement savings both before and in retirement.

Watch an introduction to DBplus

A new defined benefit pension plan from one of Canada’s pension leaders

DBplus meets the needs of employees, employers, and unions

CAAT’s CEO explains why DBplus meets the needs of employees, employers, and unions

Contact Us Image

Interested in bringing DBplus to your workplace?