Need an answer to a pension question?
Click the question for answers to some of our most commonly-asked questions.
Do you work part-time or on contract?
The CAAT Pension Plan is introducing DBplus, a new defined benefit design for Other than regular full-time (OTRFT) members who work part-time or on contract. All OTRFT members will make the switch to DBplus on January 1, 2019.
Visit the DBplus page to discover how DBplus will maximize the lifetime pensions of OTRFT members. While you're there, watch the videos, and register for upcoming webinars to learn more.
Q. How do I get an estimate of my pension?
If you are an active member you can use our online 3 Step Pension Estimator, with or without your most recent annual statement, to estimate your pension at different dates.
If you are within 5 years of retirement, you can receive up to 3 pension estimates per year directly from the Plan. To do so, complete and sign the Pension Estimate Request form and fax it to us at 416-673-9028, or scan and email it to firstname.lastname@example.org. The form must be signed by the member requesting the estimate.
If you have a deferred pension in the Plan (left your pension in the Plan after terminating membership) please note that our 3 Step Pension Estimator will not produce an accurate estimate for you. Please complete and sign the Pension Estimate Request form and fax it to us at 416-673-9028, or scan and email it to email@example.com. The form must be signed by the member requesting the estimate.
Q. When can I expect to receive my Annual Statement?
Q. How do I buy back service?
The first steps in pursuing a buyback depend on whether you are interested in purchasing your employment service prior to enrolling in the Plan, or a gap in service after you became a Plan member.
Pre-enrolment service – You can get an estimate of the cost of buying back your pre-enrolment service by using our Actuarial Cost Estimator (ACE) tool here on our website. The ACE tool also leads to the form you need to collect the data we’ll need from your employer:
Other types of service – Your employer’s human resources department can help you complete the forms to request a quote.
Either way, you can learn more about purchasing service here.
Q. Where can I find the Direct Deposit form?
We’ll send you a Direct Deposit form to start your pension. You'll have to complete, sign, and return the form to the CAAT Pension Plan by mail or fax. (Do not send the completed form by email as it contains personal information.)
Q. I'm getting ready to retire. How do I confirm my common-law relationship status with the Plan?
Download the Statutory Declaration of Common-Law Relationship form. This form must be signed by you and your common-law spouse in the presence of a Commissioner of Oaths.
Q. How do I report a change (e.g. change in marital status) to the Plan?
Download the Member Change of Information form. Complete the relevant sections, sign, and return the form to the CAAT Pension Plan.
Contact your employer if you are updating spouse or beneficiary information for any other workplace benefits, or if you are reporting a change of personal information (e.g. a name change due to marriage).
Popular web pages
- 3 Step Pension Estimator
- ACE Tool (Actuarial Cost Estimator for service purchases)
- Member Handbook
- Member Newsletters
- Your Annual Statement