1. Support Centre
  2. Support Centre articles

. <h1 class="text-primary">Support Centre articles</h1> <h4>Answers to your pension questions.</h4>

  • Inflation protection How does CAAT calculate inflation protection? :
  • DBplus I’m a DBplus member :
  • If there is no valid and enforceable power of attorney, what happens? :
  • What happens if your spouse dies before you retire? :
  • Who is eligible for pension income splitting for tax purposes? :
  • What types of income are eligible for pension income splitting for tax purposes? :
  • Who can I contact for more information about pension income splitting? :
  • My retired member statement includes a request for Pension Confirmation. What should I do? :
  • What happens if you and your eligible spouse at the retirement date separate or divorce in retirement? :
  • What is the maximum amount I can redeem? :
  • Spousal Waiver of Pre-Retirement Death Benefits :
  • Using the Actuarial Cost Calculator :
  • What happens to my pension if I leave my job? :
  • What happens if I start working for a CAAT Pension Plan employer AFTER the 24-month extension period? :
  • What are the sources of disability benefits? :
  • What does the phrase "in force and effect" mean? :
  • How to proceed with a service buyback? :
  • Should I split my income and allocate it to my spouse? :
  • How much additional pension will you receive from a purchase? :
  • Where can I find the direct deposit form? :
  • Why does the information in my statement refer to last year? :
  • I’m a DBprime member :
  • Why does my agent have to send a copy of the power of attorney to the Plan? :
  • What other power of attorney documents may be required? :
  • What is pension income splitting for tax purposes? :
  • What happens if I become eligible to retire during the 24-month extension period? :
  • How does a change in marital status affect my pension? :
  • What is a designated beneficiary? :
  • Is a deferred annuity right for your needs? :
  • When does the Plan need a copy of my power of attorney? :
  • Returning to work after retirement :
  • The cost of a buyout :
  • If I don't have a spouse, can I split my pension income and allocate it to someone else? :
  • How does the Plan use the power of attorney? :
  • Change of informationPlanning for retirement Canada Post Strike: Send documents to the Plan securely :
  • Change of informationPlanning for retirement Dont miss out 5 reasons you should activate your My Pension :
  • Deferring my pensionPlanning for retirement Should you take advantage of a deferred pension :
  • Power of attorney What does it mean to be "valid and operative" :
  • Power of attorney What does the Plan do with the Power of Attorney for Property :
  • After I retireSeparation or divorceSurvivor benefits What happens if you and your eligible spouse at retirement separate or divorce in retirement :
  • After I retireSurvivor benefitsCollecting my pension What happens if your eligible spouse at retirement pre-deceases you :
  • DBplusDBprimeLeaving my job What if I start working for a CAAT Plan employer after the 24-month extension is up :
  • Power of attorney What if there is no valid and operative Power of Attorney for Property document :
  • Income taxCollecting my pension What type of income qualifies for income tax splitting :
  • Power of attorney Why does my Attorney have to send the Plan a copy of the document :
  • What you need to know: Annual Survey :
  • GROWTHplus Getting started with GROWTHplus :
  • After I retireSurvivor benefits Other survivor benefits if you die with no spouse :
  • GROWTHplus Your GROWTHplus annual statement is now available. Here’s what you need to know. : Your GROWTHplus annual statement is now available online in My Pension.
  • My annual statement New, simplified annual statements are here :
  • Your pension during the 2025 OPSEU Support Staff Strike :
  • Canada Post Strike: Submit and receive Plan documents securely :
  • Change of information How to setup and update my MFA :
  • After I retireBefore I retire What is a Member ID? :
  • DBplusDBprime Your DB pension is about to get even better :
  • Planning for retirement Ready to Retire? Congratulations! Here’s what happens next :
  • Contributions CAAT Pension Plan Announces Strong Funding Status, Valuation and Asset Under Management :
  • DBplusDBprime You asked: The Canada Pension Plan enhancement and your CAAT pension :
  • DBplus CAAT is bringing retirement within reach! :
  • Inflation protection What does “conditional” inflation protection mean? :
  • Inflation protection Why didn’t my pension increase by the rate announced last year? :
  • Inflation protection Why doesn’t CAAT’s inflation protection rate match the CPI? :
  • Inflation protection Why is CAAT’s inflation protection rate different from that of other pension plans? :
  • Inflation protection Why is there no inflation protection increase on pensions earned before 1992? :
  • DBplusDBprime DBprime or DBplus? :
  • DBprime What does a purchase cost? :
  • Pension purchaseDBplus I can’t find my past earnings information. What options are available to me? :
  • Pension purchaseDBplus What is the maximum amount I can purchase? :
  • DBplus How much does a purchase cost? :
  • DBplus Are you thinking about joining DBplus? :
  • Pension purchaseDBplusDBprimeService purchase Information about COVID-19 related leaves or layoffs :
  • DBplusContributionsDBprimePlanning for retirement Contribute as long as you work (until you turn 71) :
  • OntarioMy annual statement Retroactive payments and your Annual Statement :
  • DBplusDisability leave If I choose not to contribute during the period of disability, can I still purchase it when I return to work? :
  • DBprimeService purchase 2017 Faculty strike purchase information :
  • DBplusDBprimeCollecting my pensionAfter I retire Can I have my pension deposited into a non-Canadian bank account? :
  • DBplusDeferring my pension Can I start my deferred DBplus pension before age 65? :
  • Deferring my pensionDBprime Can I start my deferred DBprime pension before age 65? :
  • Survivor benefitsPlanning for retirement Estate planning – wills and insurance :
  • Collecting my pension How do government pensions work? :
  • After I retireIncome taxCollecting my pension How do I change the amount of tax deducted from my pension? :
  • Before I retirePlanning for retirementPension estimates How do I get an estimate of my pension? :
  • Income taxCollecting my pension How do I go about splitting my pension? :
  • DBplusDisability leave How do I know how much my contributions will be while I’m on disability leave? :
  • Pension purchase How do I make a pension purchase? :
  • DBplusDisability leave How do I notify the CAAT Pension Plan that I wish to contribute for my leave? :
  • DBplusChange of informationDBprimeBefore I retire How do I report a change (e.g. change in marital status) to the Plan? :
  • How do I start my deferred pension at age 65? :
  • After I retireChange of information How do I update my address with the Plan? :
  • Separation or divorceSurvivor benefits How does a change in marital status affect my pension? :
  • DBplusDisability leave How does the CAAT Pension Plan find out I’m on a disability leave? :
  • Income taxCollecting my pension How income tax applies to your pension :
  • Pension purchaseDBplus How much additional pension will you receive from a purchase? :
  • DBplusDisability leave How soon do I have to decide if I want to contribute during my disability period? :
  • DBplusDisability leave I have been waiting to start receiving my disability benefits for longer than 30 days. Can I still make contributions for the entire period? :
  • DBplusDisability leave I was on a period of short-term disability before my LTD started. Can I make contributions on those earnings too? :
  • DBplusDisability leave I’m receiving income from other sources during my disability leave period. Can I contribute on those as well? :