Life events

Submitted by carlene on Wed, 08/31/2011 - 08:38

Changes to your personal or employment situation can have an impact on your pension. Click the links below to find answers to the questions you may have about how your personal situation could affect your pension, and the processes we follow to ensure your pension is protected.

What happens if I become ill or injured?

The Plan's disability provisions ensure that even if you have to be on a long-term disability leave, your pension continues to grow.

What happens to my pension if I leave my job before I retire?

The benefit you earn in the CAAT Plan is yours. If you leave your job before you are eligible for a pension, you have options to take your benefit with you, or leave it in the Plan as a deferred pension.

What happens to my pension if I separate or divorce?

If you and your spouse/former spouse were married, Ontario law requires that the value of the pension you earned during your time together be included in the calculation of net family property.  Read more.

What happens to my pension if I die before I retire?

The Plan's survivor benefit provisions are in place to make sure your pension is there for your loved ones if you should die before you retire.