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Canadians are talking about Canada’s most innovative pension plan...

The best part?

It’s the one you already have!

Your pension is a Big
deal

As a member of CAAT Pension Plan, we’ve got you covered with everything that Canadians desire, including:

  • secure lifetime retirement income
  • peace of mind in a volatile investment market
  • more value than other retirement plans

At CAAT, we’re glad you’re part of our defined benefit (DB) pension plan. And, we’d love your help sharing how retirement income for life benefits employees, employers, and all of Canada. Because...

DB pensions are
a really
big
deal!
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01

The plan Canadians want

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Your powerhouse
pension

If you’re a member of the CAAT Plan, we have you covered. The contributions you and your employer make will grow into a secure lifetime pension you can count on.

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The MVP
(most valuable plan)

The value of your DB pension is clear: CAAT’s plan can provide twice as much income in retirement compared to group RRSPs or defined contribution plans.

Amount every $1 of member contribution provides on average in retirement1:

$5.32Canada-model DB pension plans, like CAAT

$2.58Group RRSP or Defined Contribution Plans

Group of friends smiling and chatting in at a table in an outdoor cafe patio Group of friends smiling and chatting in at a table in an outdoor cafe patio

Solving the pension coverage gap:

Between 2000 and 2022, the proportion of Canadians covered by a DB pension decreased by 24%.2 We’re on a mission to reverse that.

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02

Growth for the greater good

Building a community from far and wide

In 2022, we continued to put better pensions on the map by welcoming new members and employers from the Yukon and the Northwest Territories. Year over year, and coast to coast to coast, we’re reaching more Canadians — across all sizes, sectors and industries.

82,900+ members
290+ employers
15 industries
19 unions and member associations

A better pension for all means a better Canada for all

  • Every dollar of retirement income puts $1.67 back into the economy.3
  • DB pensions support more than 877,000 jobs across Canada.4
  • Pensions help communities thrive by increasing wellbeing, mental health and volunteerism.5

CAAT is committed to making Canada better

We even have a podcast about it! Our award-winning Contributors podcast features Canadian leaders who share our passion.

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03

Members are leading a big movement

The momentum of the growing CAAT Plan is having a positive impact across the country. That’s why we launched the Plan Ambassador program in 2022, advocating Pensions For Everyone.

Members like you are leading the conversation, and many other Canadians have joined in. People are certain about the benefit of retirement security — they know pensions matter.

There’s no bigger ambassador than our CEO

CAAT’s CEO and Plan Manager, Derek W. Dobson, strongly believes in our purpose to improve retirement security for all.

Dash camera footage of car driving along highway with a landscape dotted with trees and mountains. CEO Derek W. Dobson poses for a selfie in front of a “Hope” sign; his shirt reads “Pensions for everyone”. Derek sits atop an oversized wooden chair that reads, ‘Golden Skybridge’. Derek poses for selfie in front of a wide valley. Lake, trees and open sky filled with clouds are visible in the background landscape. Derek poses for selfie in front of a suspension bridge spanning a heavily forested area.

That’s why our CEO travels cross-country to spread the word that pensions are for everyone.

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04

The perks of your pension

Benefits that last a lifetime

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How members are investing in their future selves

A pension for your whole life

When you retire, CAAT provides income every month for as long as you live.

Your pension’s protected

Contributions that are invested, managed and protected by some of the best professionals in the industry, keeping your retirement income secure even when markets fluctuate.

Your spouse is covered

CAAT provides a lifetime pension to your surviving spouse.

More bang for your buck

Starting in 2025, depending on your plan design, you will either build the same great pension with lower contributions (DBprime), or your pension will grow faster while your contributions stay the same (DBplus).

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Did you know?

Two out of every three Canadians would choose a (better) pension plan over a higher salary.7

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05

The proof is in performance

CAAT stays strong, even when markets are volatile

That’s because our meticulous approach to strategic investment and risk management has helped make us one of the most sustainable pension plans in Canada.

Woman drawing on a whiteboard in an open concept office with two colleagues looking on. Woman drawing on a whiteboard in an open concept office with two colleagues looking on.

Climate-related risks and opportunities

CAAT endorses recommendations of the Task Force on Climate-related Financial Disclosures (TCFD), which provides a framework for companies and investors to assess climate-related risks and opportunities.

We’re entering
2023 with$18.2
billionin net assets.

$4.7
billionis set aside in funding
reserves to continue to
enhance pension benefits.

With an average 10-year net rate of return
of 9.7%, our plan is 124%
funded

That means $1.24is set aside for the value of every
dollar of pension benefit promised
today and in the future.

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06

Join the virtual conference

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Discover what pensions mean for members

Hear why your defined benefit pension plan is a BIG deal from some of CAAT’s expert team and explore new tools and resources available. Whether you’re an active or retired member, the Plan has new tools and resources to showcase the power of pensions.

Watch the recording