what employees get

More value, no risk

You deserve more

As a DBplus member, you can get more value for your contribution dollars. On average, contributions to DBplus deliver twice as much retirement income as group RRSPs or defined contribution (DC) plans, due to CAAT’s expertise in managing defined benefit pensions and efficiencies from a profit-for-members trust structure. And, DBplus members are spared from making investment decisions about their retirement savings and taking on the related risk.

DBplus members earn a guaranteed lifetime pension, equal to the total contributions made (both member and employer contributions) multiplied by an Annual Pension Factor of 8.5% each year they contribute.

The DBplus pension formula has two parts:

The guaranteed annual base pension of 8.5% X total contributions (member and employer)


Annual wage enhancements to the earned pension while working to keep the value of your pension in line with wage inflation.

(conditional on the Plan’s financial health)


DBplus formula 


See how a DBplus pension grows

DBplus lifetime pension graph 

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What employees get

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