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Your defined benefit pension from the CAAT Plan is the cornerstone of your retirement income. It will provide you with a lifetime of monthly pension payments after you retire.
When you make a purchase, you create a larger lifetime retirement income, from a secure and cost effective source. You may even be able to retire sooner than you had previously planned. And, you can rest assured that your purchased pension receives the same valuable additional benefits as the rest of your pension: conditional inflation protection in retirement and no-cost survivor benefits.
If you are earning a pension under the DBplus design, and have eligible periods to purchase, use this tool to get an estimate of the maximum amount you can contribute for a purchase, and the amount of pension you would receive as a result of a purchase.
Once you’ve seen the estimate, you can download the form to get started.
If you have a period of previous employment you would like to purchase in DBplus, you need to use this tool to start the process. Remember that the funds for DBplus purchases must come from a registered retirement savings account such as an RRSP or LIRA.
If you have a leave period or statutory leave you wish to purchase, you must contact your employer HR to get started.
Tips for using the tool
We suggest you have your T4 information on hand for the period you are interested in purchasing: it will make it easier to enter your information.
The DBplus Purchase Tool was developed to provide estimates of the maximum amount you can contribute for a purchase, and the amount of pension you would receive as a result of the purchase.
The results from the DBplus Purchase Tool should not be considered financial advice. We recommend you consult an independent financial advisor about the implications of a purchase.