CAAT Pension Plan

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Members

FAQ

Table of Contents
CAAT Plan in general
Membership
Pensionable Service
Contribution formula and pension calculation
Transferring service
Purchasing service
Termination of employment
Retirement
Early Retirement
Bridge Benefit
Indexation
75% Spousal Pension
60 months guarantee
Survivor Benefits

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Member Handbook

Table of Contents
The foundation of your future
Membership
Contributions
Purchasing Service
Buying Leaves of Absence
Buying Past Service Periods
PAs
Terminating
Excess Contributions
Other options - vested or non-vested
Normal Retirement Pension
How is the normal retirement pension calculated
Early Retirement Pension
Unreduced Early - 85 Factor
Unreduced Early - 60/20 Rule
Reduced Early
Deferred Pension
Calculating your reduced pension
Early Retirement reduction factors chart
Pension payments
Pension indexing
Survivor benefits
Pre-retirement survivor benefits
What if I die before I retire?
Post-retirement survivor benefits
What if I dies after I retire?
Income tax considerations
Taxes
Family Law
Other Information

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Member Newsletters 2009 - 2010

Fall 2009 (13.2)

The cost and value of a benefit
New form for marriage breakdown reporting
Membership
Early Retirement
Inflation protection - a new calculation
A solvency valuation exemption: Help for jointly sponsored pension plans
Canada Pension Plan proposes changes
Investments - measuring liabilities
Questions and Answers

Special Edition - Summer 2009 (#13)

A well-charted path
Membership
Plan's 2008 investment return
Our Plan is focused on the future
Social responsibility and good governance
Governing officials
Ask the CEO
Actuarial valuation update
Planning your retirement
Questions and answers

Winter 2009 (13.1)

Pension stability during volatile times
Maximum age in Plan changes from 69 to 71
Investment news
Derivatives uses at the CAAT Plan
Expert Commission report released
Questions and Answers
Plan pamphlets updated

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Member PlaNet

Planet Table of Contents
January 2010 - Changes in store for 2010
December 2009 - Contributions to increase in 2010
November 2009 - Upcoming changes to Locked-in Funds
October 2009 - All about contributions
September 2009 - Good news for pension plans
Summer 2009 - Why you should read your Member's Annual Pension Statement
May 2009 - Derek Dobson appointed CEO of CAAT Pension Plan
April 2009 - Normal Retirement
March 2009 - Keeping your pension safe
February 2009 - Plan information in the palm of your hand!
January 2009 - A fresh start

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Pamphlets

Table of Contents
Other than Regular Full-Time Employment
Purchasing past service: a buyer's guide
Pregnancy/Adoption Parental Leave
Transferring Service
Marriage Breakdown before retirement
Disability and your pension
Normal Retirement
Early Retirement
Terminating Employment
Retiring Early: the 50/20 option
When an active Plan Member dies
It's about your privacy

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I'm new to the Plan
I'm thinking about retiring soon
I'll be leaving the Plan before retiring

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Pensions 101 - Understanding your pension
How your contributions are determined
How we calculate your pension
What are your options and entitlements?
How the Plan is funded

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Sources of retirement income
Your pension from the CAAT Plan
Your government pensions
RRSPs and your personal savings
Some RRSP income options
Working in retirement

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Pensioners

Pensioner Handbook

Table of Contents
Your pension payments
Inflation protection
Bridge Benefit
Information about income tax
Communications and correspondence
Other forms of retirement income
Government Pensions
Work in retirement
Receiving your pension abroad
After you're gone
Separation or divorce
Privacy Policy

FAQ

Table of contents
The CAAT Pension Plan in General
Retirement
Bridge Benefit
Indexation
60 Months Guarantee
Survivor Benefits

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Pensioner Newsletters 2009 - 2010

Fall 2009 (13.2)

Inflation Protection - a new calculation
Membership
The cost and value of a benefit
Investments - measuring liabilities
New form for marriage breakdown reporting
A solvency valuation exemption: Help for jointly sponsored pension plans
Q & A

Special Edition - Summer 2009 (#13)

A well-charted path
Membership
Plan's 2008 investment return
Our Plan is focused on the future
Social responsibility and good governance
Governing officials
Ask the CEO
Actuarial valuation update
Planning your retirement
Questions and answers

Winter 2009 (13.1)

Pension stability during volatile times
Notes
         Maximum age in Plan changed
         Pensioner survey for 2008 is winding down
         Do you turn 65 this year?
Indexation calculation change
Investment news
Derivatives uses at the CAAT Plan
Expert Commission report released
Questions and Answers

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Pensioner PlaNet

PlaNet Table of Contents
January 2010 - Changes in store for 2010
December 2009 - Pensions to increase in 2010
November 2009 - Upcoming changes to Locked-in Funds
October 2009 - Taking care of your loved ones
September 2009 - Good news for pension plans
Summer 2009 - Service Canada
May 2009 - Derek Dobson appointed CEO of CAAT Pension Plan
April 2009 - Did you leave the Plan before reaching retirement age?
March 2009 - Early Retirement and the Bridge Benefit
February 2009 - It's tax time again
January 2009 - A fresh start

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I recently retired

Sources of retirement income
Your pension from the CAAT Plan
Your government pensions
Some RRSP income options
Working in retirement

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Administrators

Administration Manual

Table of Contents
Section 1 - Income Tax
Section 2 - Definitions
Section 3 - Membership
Section 4 - Contributions
Section 5 - Leave of Absence and Buybacks
Section 6 - Transfers
Section 7 - Disability
Section 8 - Marriage Breakdown
Section 9 - Termination
Section 10 - Normal Retirement
Section 11 - Early Retirement
Section 12 - Pre-retirement death
Section 13 - Post-retirement death
Section 14 - Appendix

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Forms

Forms
How to use Microsoft Word Forms
How to use Adobe Acrobat Forms

Administrator FAQ

FAQ Table of Contents
CAAT Plan in general
Commuted Value calculations

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Administrator Newsletters

Table of Contents
Plan text amendment
Back to school: Some pension plan changes
Current Topics in Pension Administration
CAAT Plan text amendments
Service purchases and contirbution increases
Calculating Service for OTRFT Members
Conference 2005 Followup
Administrative Update

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Administrator Email Updates

Table of Contents
Update #58 for March 15, 2010
Update #57 for March 4, 2010
Update #56 for February 2, 2010
Update #55 for January 22, 2010
Update #54 for January 13, 2010
Update #53 December 18, 2009
Update #52 December 3, 2009
Update #51 November 26, 2009
Update #50 November 16, 2009
Update #49 October 8, 2009
Update #48 July 30, 2009
Update #47 June 25, 2009
Update #46 for June 17, 2009
Update #45 for May 12, 2009
Update #44 for May 1, 2009
Update #43 for April 28, 2009
Update #42 for April 20, 2009
Update #41 for February 20, 2009
Update #40 for February 6, 2009
Update #39 February 2, 2009
Update #38 January 26, 2009
Update #37 January 6, 2009
Update #36 December 9, 2008
Update #35 November 27, 2008
Update #34 November 19, 2008
Update #33 October 29, 2008
Update #32 September 9, 2008
Update #31 July 22, 2008
Update #30 June 11, 2008
Update #29 May 6, 2008
Update #28 March 28, 2008
Update #27 March 26, 2008
Update #26 February 27, 2008
Update #25 February 1, 2008
Update #24 February 1, 2008
Update #23 January 24, 2008
Update #22 January 14, 2008
Update #21 December 18, 2007
Update #20 December 10, 2007
Update #19 December 3, 2007
Update #18 November 22, 2007
Update #17 November 14, 2007
Update #16 October 26, 2007
Update #15 May 18, 2007
Update #14 May 7, 2007
Update #13 May 3, 2007
Update #12 April 26, 2007
Update #11 April 12, 2007
Update #10 March 21, 2007
Update #9 January 17, 2006
Update #8 December 21, 2006
Update #7 December 14, 2006
Update #6 November 28, 2006
Update #5 November 20, 2006
Update #4 October 11, 2006
Update #3 September 1, 2006
Update #2 July 20, 2006
Update #1 June 28, 2006

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Pension Adjustment Calculator

Calculator
Help file

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Administrator PlaNet

PlaNet Table of Contents
January 2010 - Changes in store for 2010
December 2009 - Contributions to increase in 2010
November 2009 - Upcoming changes to Locked-in Funds
October 2009 - All about contributions
September 2009 - Good news for pension plans
Summer 2009 - Why you should read your Member's Annual Pension Statement
May 2009 - Derek Dobson appointed CEO of CAAT Pension Plan
April 2009 - Normal Retirement
March 2009 - Keeping your Pension safe
February 2009 - Plan information in the palm of your hand!
January 2009 - A fresh start

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Reciprocal Transfer Agreements

Table of Contents (alphabetically by employer name)

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I'm new to Plan Administration

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Pensions 101 - Understanding your pension
How your contributions are determined
How we calculate your pension
What are your options and entitlements?
How the Plan is funded

top

Sources of retirement income
Your pension from the CAAT Plan
Your government pensions
RRSPs and your personal savings
Some RRSP income options
Working in retirement

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Member Resources

Estimator

Commuted Value, Pension and Service Buyback Estimator

Member's Annual Pension Statement

Member's Annual Pension Statement Resources

Questions about your Annual Statement?

What do you mean by...?

List of terms
Words from A - D
Words from E - O
Words from P - Z

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Investments

Investment FAQ

CAAT Fund

Understanding Investments

Retail versus institutional investing - a comparison
What is a benchmark?
Understanding Asset Allocation
The significance of liabilities

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Investment Glossary

List of terms
Words from A - C
Words from D - K
Words from L - R
Words from S - Z

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Asset Mix

Asset Mix
Liability Hedging Investments
Return Enhancing Investments

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Investment Policy

Investing in good governance
Responsible Investing Policy

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Fund Facts

Annual Investment Returns

About Us

Mission Statement

How to reach us

Map
Hours
CAAT Staff

Getting around the Site

Governance

Plan governance and policies
A history of security and trust
A brief look at the CAAT Pension Plan
How our governance structure responds to Members and Pensioners
CAAT Plan Sponsors
Members of Board of Trustees and Sponsors' Committee
External consultants and service providers

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March 2010


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