Defined benefits Canadians want

Research shows that Canadians want a secure, predictable, lifetime

retirement income, and are willing to contribute to achieve it.

Tax effective retirement savings

Your contributions are tax deductible to you. Plus your employer matches your contributions (which are not tax

deductible to you).

Pension features that members value most

Secure lifetime pension

Wage enhancements Inflation protection Survivor benefits

Benefit securityThe Plan is focused on benefit security,

and treating members of different groups and generations fairly. As of January 1, 2018, the CAAT Plan is 118% funded.

Watch your pension growIn DBplus, you earn a guaranteed base pension each year that grows with conditional wage enhancements based on the average industrial wage (AIW).

In retirement, your pension includes conditional inflation protection enhancements, which helps protect its value.

plus plus plus

The CAAT Plan brings strength and expertise

As part of DBplus, employers and members will enjoy the benefits of the Plan's secure funding position, successful investment program, renowned pension management expertise and strong governance structure.

Making valuable workplace pensions a reality

DBplus provides flexibility to accommodate the needs of employers and employees from various sectors. DBplus offers a valuable Defined Benefit (DB) pension at a fixed contribution rate based on a percentage of pay, matched dollar for dollar by the employer.

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In retirementSurvivor pension

While you work

Inflation protection

enhancementsAverage

industrial wageenhancements

Guaranteed base pension

Guaranteed lifetime pension