Member statement

Helpful resources

Annual statement

Your statement

As a member of the CAAT Pension Plan, your annual statement has important information about your pension. It shows how your pension helps you build a more secure future. It shows:

  • how much pension you earned at the end of the previous year
  • how your pension has increased since your previous statement
  • up to three possible retirement dates.

Your statement is a personalized tool just for you, making it one of your most powerful retirement-planning resources.

There are two ways to access your annual statement

Mail

If your employer joined CAAT through a merger, your annual statement is mailed to your home address. Most statements are delivered during the month of June.

My Pension

Use My Pension, CAAT’s member portal, to get your Statement as soon as it’s ready. If you have access, and have already activated your account, make sure you’ve selected to receive your statements online. You’ll get an email when your statement is produced. When you log in, you’ll see your statement displayed on your dashboard.


My Pension gives you online access to your personal pension information. Watch this video to locate your Annual Statement information in the portal.


Use My Pension’s powerful estimator!

Log in to view your estimated pension at key dates. Your personal details are pre-populated so you can easily try different scenarios, using other retirement dates or ages. My Pension make it easy to model your future retirement income and start planning your future with confidence.


Doesn’t that sound easy? Get started on My Pension today!

Visit My Pension to activate your account. All you need is your Member ID (found on your Membership Certificate or Annual Statement), date of birth, and the last three digits of your SIN. You’ll see how your contributions today will become your lifetime retirement income tomorrow.


Frequently asked questions

Read the Q&A to learn more about your annual statement.

Why do I receive a statement each year?

Your annual statement shows how the pension formula applies to your individual circumstances. Pension regulations require that members receive an annual statement that details the pension they earned up to the end of the last calendar year. To help you plan for your future CAAT includes details such as your estimated retirement dates and annual pension you’ll receive at retirement.

Over time, you can track how your pension grows. You'll be able to see at a glance the pension you have earned to the end of the previous year, and your projected earliest retirement dates. For members with access, this information is pre-populated in the pension estimator on My Pension. Or if your employer joined through a merger, you can create a customized picture of your future using the DBplus pension estimator to view your estimated pension at any retirement date or age you choose. The estimators are designed to help you plan your future with confidence.

When can I expect to receive my statement?

Your employer provides the Plan with payroll data such as your earnings, breaks in employment and purchases for the previous year.

After we have received all the required information, the statements are generated.

My Pension gives you online access to your statement. If you select “online” as your preferred method of communication, you’ll receive an email as soon as your statement is produced.

Your statement will be delivered by mail during the month of June if your employer joined through a merger or you selected “mail” as your preferred method of communication.

Can I get my statement online instead of mailed to me?

Yes! My Pension gives you online access to your statement. You can log into the portal and see your statement once it is produced.

If you select “online” as your preferred method of communication under "Your preferences", you will stop getting mailed statements.

Note that if the paper statement is produced before you select “online” communications, we will mail you that statement, so the sooner you make the selection, the better.

If your employer joined CAAT through a merger, your annual statement is mailed to you.

How do I know my statement is ready on My Pension?

You’ll get an email in the email inbox that you set up when you activated your portal account.

It lets you know new information is waiting for you on My Pension. When you login, your dashboard will display your statement.

Be sure to download the Statement Companion at the same time.

My annual statement is delivered to my work email address. Can I switch to my personal email address?

Yes, you can change your email address by visiting the My Pension login page.

I received a paper statement in the mail even though I am a portal user who opted for online.

Statements are printed based on each member’s preference. If, on the day they were printed, you had not yet selected online statements, you will receive a printed version.

No matter what, your statement is also available on My Pension for you to access at any time.

Be sure to log in to My Pension to see your statement and confirm that your settings are set to receive communications from CAAT online.

How is my personal information protected?

Each employer transmits member information to the Plan over a secure network. It is stored in a password-protected database, which can only be accessed by the CAAT Plan staff members who process and verify the data.

Paper statements are delivered to members in a lined envelope for added security, and for users of My Pension, statements are securely stored there.

What should I do with my statement once I receive it?

Take a close look at your statement to make sure that the information it contains matches your records. You can use My Pension to update the address and contact information CAAT has on file. If your employer joined CAAT through a merger, a change of information form was mailed with your Annual Statement. Notify your employer if there are any changes to be made to your personal information as well.

Your statements are important financial documents and, as such, should be kept in a safe location. If you have a My Pension account, your statement will be stored there, and you can read it any time.

I have worked for multiple participating employers in the Plan. Does my statement include all my employment history?

Yes. Your Statement and your My Pension profile are made up of all your Plan data. It includes your total pension – even if you earned it with multiple different participating employers.

Why is the information in my annual statement based on last year’s data?

Pension regulations require that members receive an annual statement that details the pension they earned up to the end of the last calendar year.

I misplaced my annual statement. Can I get another copy?

Yes. Log into My Pension to see your statement any time that’s convenient to you and use the Message Centre to securely communicate with our Member Services Team.

If your employer joined CAAT through a pension merger, use the “About your merged plan” page to contact your employer’s member services team and request a copy of your annual statement.


How do I know if I have a My Pension account?

If you have not set up a portal account, first check to see if your employer joined CAAT through a pension merger. If your employer is on that list, you won’t have a portal account. If your employer is not on the list, you can activate your account today using your Member ID, birth date and last three digits of your SIN. Visit My Pension to set up your account.

My employer joined CAAT through a merger. Can I access My Pension?

In early 2021, CAAT launched My Pension, an online portal that gives some members access to their pension information.

My Pension accesses member data stored in CAAT’s secure pension database. If your employer joined CAAT through a merger, your pension is being managed by a trusted administration partner that keeps your personal information secure. At this time, My Pension is not set up to access data stored with our administration partners. 

Not sure if your employer joined through a merger? 

Check the list of employers that joined CAAT through a merger. If your employer is listed, you do not have access to your personal pension information in CAAT’s online portal.

While this feature is not currently available for merger employers, you have access to all the other resources and support CAAT offers. The Member section of our website has a wide variety of pension information to help you confidently plan for your future.