What members get

Valuable survivor benefits include a lifetime pension for a surviving spouse that includes inflation protection, a minimum guarantee of payments should you and your spouse both die early in retirement, and pre-retirement death benefits.

With DBplus, members get more value with their contribution. On average, contributions to DBplus deliver twice as much retirement income as other plans.

With DBplus, members can count on predictable, secure monthly pension payments for as long as they live in retirement, independent of their employer’s financial health.

In DBplus, you can choose to retire when the time is right for you. You’ll choose a retirement date that meets your individual needs, including the possibility of retiring as early as age 50.

DBplus provides enhancements while you work and when you retire to protect against inflation, conditional on the financial health of the Plan.

Whether you are joining CAAT or leaving your job with a CAAT employer, the Plan’s portability options help you to build a bigger pension.

If your employer offers DBplus with Contribution Choice, you can choose the contribution rate that’s right for you from the multiple contribution rates set by your employer. You may be able to switch to another rate that better suits your changing needs and financial goals once a year.

Your employees deserve benefits that last a lifetime. Explore Member resources to learn more about Member benefits.

In addition to your regular contributions, you may be able to transfer in funds to purchase additional pension.

Get a quick and easy estimate of how much lifetime retirement income members will get from contributions to DBplus.