Welcome to the CAAT Plan

You’re on your way to a stress-free retirement.

Getting started

Your pension is so much more than a balance

CAAT’s goal is simple: provide more Canadian workers with access to a secure, sustainable pension. Learn more about us.

You’ve joined one of Canada’s fastest growing defined benefit pension plans. With other retirement savings plans like defined contribution pension plans or individual or group RRSPs, your retirement income relies on the amount of money you have in your account. With a defined benefit pension, you get a secure retirement income for the rest of your life.

If you want to dive deeper into how a plan like CAAT offers retirement income security and peace of mind -head here.

Your CAAT pension goes beyond a savings plan – it includes valuable features for a total retirement package that stands above the rest.

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Your lifetime retirement income

Retire knowing you can count on a predictable, secure monthly paycheque for life. Enjoy your retirement without financial stress or burden.

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Your pension grows while you work

Build your retirement income while you work without worrying about market conditions. And with your employer’s contributions, double the return on your investment.

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Your retirement on your time

With generous early retirement options, you can retire when it’s best for you. Whether it's at age 50 or 71, the choice is yours.

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Your pension retains purchasing power

Your pension keeps growing after you retire with inflation protection increases.

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Your loved ones are taken care of

With valuable survivor benefits, your spouse is protected under your pension – at no extra cost to you.

Explore My Pension

My Pension is your online portal to easily access your pension details. Estimate your pension with our customized estimator, update your contact information in real time, and access your pension documents in one place when you need them. And with built-in secure messaging, get the support you need directly from CAAT’s Member Services team.

It’s easy to get started

It’s easy to get started, all you need to activate your account is a few pieces of information, including your Member ID, which you can find in your welcome package.

Please note: If your employer joined CAAT through a merger, you may not have access to My Pension.

Your first year of membership at a glance

Get familiar with your pension and its benefits by completing these actions within your first year of membership.

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Get the checklist (PDF)


The CAAT Pension Plan aims to make sure you have everything you need as a member. Here are a few resources.

Learn how you can increase your pension

Your pension is calculated with a fixed formula, but you can increase the amount you receive in retirement by making a purchase – without any additional fees.

Learn more about purchases

Find what you need

Head to the Member Resources page to access everything you need to understand, claim and enjoy the benefits of being a member of the CAAT Pension Plan.

Check out the resources

Find answers to your questions

With a quick search of the Member Support Centre, you can find answers to your pension questions.

Check out the member support centre

Need direct assistance?

Our Member Services team is there to support you. Log in to My Pension and use the secure Message Centre to connect with them or reach them by email

Log in to My Pension

Stay Connected

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Stay in the know about all things CAAT and your pension. You can expect the latest on pensions, company announcements, service updates and so much more.

Check out CAAT’s member blog, Planner

Planner is a corner of the CAAT website made just for you. Find material and resources that relate to important chapters in your life, beyond just your pension.

Listen to Contributors

Contributors explores how organizations and leaders are thinking beyond the bottom line to make Canada better. The inspiring conversations from season one helped us hit Apple’s top 20 chart and land in the top 1% of all downloaded episodes.

Become a Plan Ambassador

Plan Ambassadors is a new initiative from CAAT to spread awareness that pensions are for everyone. Join today and enjoy exclusive first access to content on retirement trends, an opportunity to provide direct feedback to CAAT, the latest research, special messages from our CEO and a free t-shirt!

You asked: The Canada Pension Plan enhancement and your CAAT pens...

The Canada Pension Plan (CPP) is gradually being enhanced over a seven-year period from 2019 to 2025, with its most recent change taking effect on January 1, 2024.