Retirement planning on demand

Your top questions answered

planning your retirement

Learn more about your pension

Make your first stop our on-demand retirement planning videos. Based on our onsite retirement planning sessions, these videos answer your top questions about retirement planning and the pension you’ll receive as a member of the CAAT Plan. Even if you’ve already attended an on-site presentation, watch these videos as a useful refresher.

Pension information, at your fingertips


Pension status: Is my pension secure?

The short answer is yes.

There are over two billion dollars in funding reserves to serve as a cushion against the unexpected – that keeps contributions stable while you are working, and your pension strong while you are retired.

Pension payments: Is my pension worth more than my contributions?

The answer to that is a resounding yes. As a general rule, the average retired member can expect their lifetime of pension payments to be worth at least 800% of their contributions.

Retirement calculator: How much money do I need for retirement?

The answer to this question is different for everyone. The first step is to figure out the kind of lifestyle you plan to have in retirement because that will have a direct impact on the amount of money you will need.

Retirement calculator: When can I retire?

The Plan has flexible retirement dates, and depending on when you retire, there are different options available to you. There are three categories: early, normal, and after age 65. Each one has different advantages and options.

Retirement calculator: How much pension will I get?

The video provides a brief explanation of how the formula works, but keep in mind – you don’t have to learn the pension formula! The DBprime and DBplus Pension Estimators on our website let you model your retirement on any date or age of your choosing.

Pension payments: is my inflation adjusted for inflation?

Inflation protection adjustments are yearly increases to pensions in payment, and help you maintain the spending power of your pension.

How do survivor benefits work?

The Plan is designed to provide members with a secure, lifetime pension. It also provides a valuable lifetime survivor pension to your eligible spouse when you die.

How do CPP and OAS payments work?

As part of your retirement planning, you’ll need to know about your government pensions and how they impact your total retirement income.

You have to apply to Service Canada to start your government pensions; visit the Service Canada website to learn more about, and apply for CPP and OAS. You can also request an estimate of your CPP pension. (Click on Canada Pension Plan or Old Age Security.)

Or call 1-800-O-CANADA

Visit Retraite Quebec to apply for QPP

Canadian retirement: What can I do to get started?

Watch the video for a list of the top 5 things you should think about as you’re preparing for retirement. You can also estimate your pension at any time using our DBprime and DBplus Pension Estimators.

It’s never too early to start retirement planning.

Return to Planning your retirement.


Different early retirement provisions apply to members who start their pensions after being deferred members. Learn about the early retirement provisions that apply.

The retirement planning videos are effective as of January 1, 2020. A detailed legal description of the provisions of the Plan can be found in the Plan Text. Should this information differ, the Plan Text will govern.