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Secure lifetime retirement income

DBplus members can count on predictable, secure monthly pension payments for as long as they live in retirement independent of their employer’s financial health.

Secure pension payments for life

With a defined benefit pension, members avoid the complexity and risk of investing their retirement savings, both before and in retirement. They don’t have to worry about investment decisions or fees, timing their retirement based on investment market performance, or outliving their savings. Members simply make contributions on every pay, as a percentage of their income, and their employer also contributes. CAAT does the rest. 

As an independent trust that exists to pay defined benefit pensions, the CAAT Plan is managed for long-term sustainability. Its financial health is independent of any participating employer’s. If a participating employer closes operations, its employees who are CAAT members are entitled to a pension payable at retirement based on the benefit they have built to the point they stopped making contributions on earnings from that employer. They also have portability options to continue to build their pension at other employers.

Plus these valuable features are built into DBplus:

Inflation adjustments before and in retirement

Early retirement options

Survivor benefits

Joint governance and a rigorous Funding Policy keep your CAAT pension secure.

The CAAT Plan stands 120% funded as at its January 1, 2019 valuation, with $10.8 billion in assets and $2.6 billion in reserves. Read more

Estimate a DBplus Pension

Get a quick and easy estimate of how much lifetime retirement income members will get from contributions to DBplus.

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Interested in bringing DBplus to your workplace?