For new members of the CAAT Pension Plan earning a pension in DBplus.
About your DBplus pension
Learn about the valuable features of DBplus, start planning for retirement, estimate your pension, or begin the process of purchasing additional pension here.
While you work you contribute a percentage of your earnings into the Plan with each pay that your employer matches.
Making a purchase or transfer
You may be able to increase your pension by making a purchase for periods of leaves, or any times during which you were a member of a Canadian registered pension plan before joining an employer that participates in the CAAT Plan.
Planning for retirement
We’re here to help you get ready for retirement. Before you retire, be sure to review the process to make your transition to retirement a smooth one.
Retired and collecting a pension
As a retired member of the CAAT Plan you have access to a stable source of income from the time you retire for the rest of your life.
Leaving your job
The benefit you earn in the CAAT Plan is yours. If you leave your job you have options to take your benefit with you, or leave it in the Plan as a deferred pension.
Start collecting your deferred pension
Your deferred pension is the amount you earned in the Plan during your active membership up to the date you terminated employment.
Separation or divorce
Your pension may represent a significant part of the family property you've built during your relationship with your former spouse.
Information about survivor benefits
The CAAT Pension Plan, in addition to paying pensions to members once they retire, provides various survivor benefits upon your death. Knowing in advance what to expect from the Plan can help you protect your loved ones.
Information about disability leaves
If, during your membership in DBplus, you receive Long Term Disability (LTD) benefits through your employer’s insurance, or you receive benefits...