Trusted by Canadian Unions

Lifetime income you can count on

As one of Canada's largest and most respected pension plans, CAAT provides a secure, sustainable retirement solution. Designed for workers. Built for life.

Bring a great pension to my workplace

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Peace of mind. Steady income. Retirement security built for union members like you.

You are not alone. Workers everywhere are asking the same questions:

Will I have enough to retire and when?
Will my income keep up with rising costs?
What happens if markets crash again?
Will my family be protected if something happens to me?

Retirement shouldn't be a guessing game.

With CAAT, you don’t have to figure it out on your own.

You get predictable monthly income for life not just savings you hope will last.

No guesswork. No gambling on markets. Just real retirement security.

Extra support. Real flexibility.

Retirement isn't one-size-fits-all. A CAAT pension combines secure lifetime income with flexible savings options.

CAAT offers you the secure, predictable lifetime retirement income you have earned with valuable features and benefits that gobeyond what RRSP contributions or DC plans can offer.

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Here’s what comes built-in:

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Predictable income for life

When you retire, you receive monthly pension payments that last as long as you do.

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Survivor protection

Your pension includes benefits for the people who matter most — so your loved ones are supported.

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Protection against rising costs

Your pension has the potential to grow with inflation. Conditional inflation protection has been granted every year since it was introduced.

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More value for every dollar

Over a lifetime, CAAT is expected to provide $5.32 in retirement income for every $1 contributed, compared to $2.58 from typical group RRSP or defined contribution plans.*

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Security you can trust

Your pension isn’t tied to your employer’s financial health. It’s protected by law and paid for life.

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Optional GROWTHplus savings

Want extra flexibility? GROWTHplus is a voluntary, tax-sheltered account that lets you grow additional savings alongside your secure lifetime pension.