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Get an estimate
It’s easy to get an estimate of your lifetime pension from the CAAT Pension Plan.
With just a few pieces of information you can estimate your future retirement income under the CAAT Pension Plan, model different retirement scenarios, or see how much larger your pension could be with a purchase.
Did you receive a 2019 Member Statement from CAAT? We’re in the process of updating the DBplus Estimator so you can get an estimate that includes the pension shown on your 2019 Member Statement.
The DBplus Estimator allows you to test different retirement scenarios by adjusting various assumptions such as your retirement date, your future earnings, or any pension purchases. It uses the data you enter to make projections into the future to arrive at retirement dates, approximate pension, contributions, and increases through indexation.
Other assumptions are built into the DBplus Estimator based on CAAT Pension Plan’s actuarial assumptions and/or Plan terms. You can read about them in our “Help” section, under “Projections, Assumptions and Limitations”.
In no event are the estimates provided by the DBplus Estimator a guarantee of pension benefit amounts or a substitute for obtaining independent financial advice. The estimates provided to you are strictly for illustrative purposes. While every effort has been made to confirm the accuracy of these estimates, the correctness of the underlying data, and the reasonableness of assumptions used, your actual pension entitlement under the CAAT Pension Plan may change based on actual experience or changes to the data, if incorrect. The DBplus calculator does not take applicable Income Tax Act limits into account when calculating pension estimates, or take into account the impact that future changes to the DBplus provisions of the CAAT Pension Plan or to applicable legislation could have on projected pension benefits. The CAAT Pension Plan reserves the right to correct errors in the DBplus Estimator at any time.
The DBplus estimator was developed by the CAAT Pension Plan to provide basic pension estimates only for employees currently contributing to the DBplus plan design under the CAAT Pension Plan.
For members who joined the CAAT Pension Plan through a merger, it assumes the required regulatory approvals for the transfer of assets will be obtained. For members who joined the CAAT Pension Plan through a merger, any pension you earn under the CAAT Pension Plan will be subject to the DBplus provisions of the CAAT Pension Plan, and any past pension you earned under the merged plan, will be replicated under and payable from the CAAT Pension Plan.
The results from the DBplus Estimator should not be considered a guarantee of pension entitlements or financial advice.