Making Canada better!

We are spreading the word about how retirement income for life offers coveted benefits to all of Canada.

Because DB pensions are a (really) big deal!

Don't miss CAAT's 2022 Year in Review

Become a Plan Ambassador

We're on a mission to spread the message that every Canadian deserves access to a workplace pension. With your help, we can raise awareness and show that CAAT is part of the solution.

Join today

New episode of Contributors

Tune in to the latest episode featuring four leading pension experts to get the full picture of DB pension plans' past, present, and future in Canada.

Click the audiogram to hear a sneak peek!

Listen to the episode here

We believe that everyone deserves a better tomorrow

We make retirement better for Canadians by offering secure workplace pensions and sustainable retirement income for life.

Learn more about our vision

Interested in joining?

A defined benefit (DB) pension plan that's effective for both you and your employees.

Three employees in workplace.
A better pension matters

A workplace pension can provide employers with a key competitive edge when it comes to the ongoing race for talent.

Manager at workplace standing in front of team members.
A modern pension solution

Our defined benefit (DB) pension plan, DBplus, combines the cost certainty employers want with the secure retirement income employees need.

Our purpose is to improve retirement security for Canadians, because we believe that every Canadian deserves to retire well.

Derek W. Dobson, CEO & Plan Manager

Information for members

Know more about your pension.


As a member of the CAAT Plan, you build your pension while you work, and enjoy the benefits of a secure lifetime pension after you retire.

All about your pension
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Pension Estimator

Get a snap shot of what retirement looks like for you.

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Increase your pension

You may be able to create a larger lifetime income by making a purchase.

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Plan your retirement

Whether you're ready to retire, looking to retire early or looking for more information - understand your options.

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Collecting your pension

Learn about the secure, reliable income you have in retirement.

Employer resources

We've got you covered.


News, education sessions, and more to help you administer this important employee benefit.

Access employer tools
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Employer manual

Access the Employer Manual via PAL.

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Employer education guide

Register for upcoming sessions, watch past webinar recordings and access resources.

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Recruitment toolkit

Use the new and improved Recruitment Toolkit to attract top candidates and position yourself as an employer of choice.

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Employer update sessions

Catch up on our past information webinars to stay in the know.

About CAAT

The CAAT goal is simple: provide Canadian workplaces with access to secure, sustainable pensions.


It’s for members. For employers. For lifetime in retirement.

Learn about CAAT Pension Plan
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Leadership team

To remain on track and focused on our goals, the Plan relies on the leadership of an accomplished team of professionals.

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Did you know?

Two out of every three Canadians would choose a (better) pension plan over a higher salary.
Learn more about why a defined benefit pension continued to be a Big Deal for members in 2022.

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Valuation 2022

CAAT Pension Plan is 124% funded with $4.7 billion in funding reserves.

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2022 Annual Report

A detailed account of 2022 performance and financials.


What's new with CAAT

Read below for more information about what the CAAT team has been working on.

February 2024 Member Newsletter

Pension Awareness Day is definitely a thing! The second annual Pension Awareness Day in Ontario was on February 15. And boy, did we celebrate what a big deal defined benefit pensions are for...

Retired Member Newsletter – Winter 2023

Secure Pensions for Everyone By Derek W. Dobson, Chief Executive Office and Plan ManagerAt CAAT, we know how important your defined benefit (DB) pension is to you. You can take comfort in knowing...

Providing lifetime retirement income plans can help employers in ...

CAAT Pension Plan releases white paper on the business benefits of better pensions