A pension you can count on for life

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

Wondering what your retirement will actually look like? 
 
You’re not alone. A lot of workers are asking big questions:

  • Will I have enough to stop working? When?

  • Will my savings last, or will my pension keep up with rising costs?

  • What happens if markets crash again?

  • Will the ones I love be properly cared for after I pass away?

Retirement shouldn’t be a guessing game.
With CAAT you don’t have to figure it out alone. 
 
You get predictable, steady retirement income you can count on for life. No guesswork. No stress.

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Extra support and flexibility

Retirement isn’t one-size-fits-all. CAAT gives you real options and real peace of mind.  

CAAT offers you the secure, predictable lifetime retirement income you deserve with valuable features and benefits that go beyond traditional retirement savings options. 

Here’s what comes built-in with a CAAT pension:

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Predictable income for life

Once you retire, you’ll start receiving monthly pension payments that last a lifetime.

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Survivor benefits

Your pension includes support for the people you care about most.

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Inflation protection

Your pension has the potential to grow with rising costs. Thanks to conditional inflation protection which has been granted every year since the feature was introduced.

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More for your money

CAAT Pension Plan delivers more value for every dollar contributed. Over a lifetime, CAAT is expected to provide $5.32 in retirement income for every $1 contributed, compared to $2.58 with group RRSPs or defined contribution (DC) plans.

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Security you can count on

Benefit from a strong, reliable pension plan that is not dependent on the financial health of your employer. Your earned pension is protected by law and paid for life.

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Access to GROWTHplus

An optional tax-sheltered savings account where plan members can benefit from CAAT’s investment returns and grow their savings alongside their secure lifetime pension.

Strength in numbers

Trusted by more than 120,000 members, CAAT is recognized as one of Canada’s best-performing pension plans.

A strong track record
$23+ billion in assets*

$6+ billion in additional funding reserves providing additional stability and security to weather economic ups and downs*

78 percent

A funding status of 124% which means $1.24 for every dollar promised in pensions.*

*As at December 31, 2024

This is your future. Let’s protect it.

Change starts with you

How to drive meaningful conversations about pensions:

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Get in Touch: Fill out this form so we can connect with you and share resources.

Talk to your union leadership: Ask about a CAAT pension and raise the conversation. Member interest drives momentum.

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We’ll support you: CAAT helps explain the plan and next steps, don’t hesitate to reach out.

Connect with us

Let’s build financial security together

Connect with CAAT to learn how we can help you integrate a modern, sustainable retirement solution into your talent and benefits strategy.

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Secure. Scalable. Ready for what’s next.