About us

The CAAT goal is simple: provide Canadian workplaces with access to secure, sustainable pensions. It’s for members. For employers. For lifetime in retirement.

At CAAT, we make retirement better for Canadians by offering secure workplace pensions and retirement income for life.

Originally created to support the Ontario college system, the CAAT Plan now proudly serves more than 370 participating employers in 20 industries including the for-profit, non-profit, and broader public sectors. It currently has more than 94,000 active and retired members.

The CAAT Plan is respected for its pension and investment management expertise and focus on long-term stability and benefit security.
At January 1, 2023, the Plan was 124% funded on a going-concern basis.

A better pension for all means a better Canada for all

CAAT’s purpose is to improve retirement income security for all.

Learn more about how the momentum of the growing CAAT Plan continued to have a positive impact in 2022.

2022 Year in Review

New episode of Contributors

Tune in to the season 2 finale and gain wisdom from some of Canada’s most prominent business leaders.

Click the audiogram to hear a sneak peek!

Listen to the episode here

CAAT announces valuable Plan changes

Plan changes are coming in 2025 that will make your pension more valuable.

What's changing?

Policies, process and performance

Understand what drives us and view our results

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Our funding policy describes how we keep your pension sustainable despite volatility.

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Valuation 2022

CAAT Pension Plan is 124% funded with $4.7 billion in funding reserves.

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Legislation and compliance

Some of the federal and provincial legislation that governs CAAT operations.

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2022 Annual Report

A detailed account of 2022 performance and financials.

Joint governance

Shared governance – at the core of our success

Joint governance

One of Canada's most sustainable pension plans

CAAT is a Modern defined benefit (DB) pension plan, which offers the benefits Canadians want:

  • lifetime income;
  • inflation protection, and;
  • survivor benefits.
Pension solutions
Secure, risk-free lifetime benefits

DBplus offers the secure lifetime pensions employees want, without employer liabilities.

Whether you currently offer a pension plan, group RRSP, or no retirement savings plan, joining our pension plan can control your costs while offering valuable pension benefits. Discover how DBplus is effective for both employers and employees.

Leadership team

Leadership of accomplished professionals


Our leadership team consists of highly educated experts with years of varied industry experience. We are dedicated to finding innovative solutions to future challenges, in order to deliver long-term performance and customer service.

Meet our team

Information for members

An independent Registered Pension Plan

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Member policies

Download the CAAT Pension Plan Text, Privacy Statement and Accessible Service Plan.

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Participating employers

Click below for a full list of participating employers.


Read the latest news

CAAT Pension Plan Announces Strong Funding Status and Assets Unde...

The Plan saw significant growth in membership and participating employers across Canada in 2023 Toronto, March 28, 2024 – CAAT Pension Plan ("the Plan"), one of Canada's fastest-growing defined...

Group of Canadian Energy Sector Companies Give Workers Retirement...

Toronto, March 18, 2024 – Employees of Candu Energy Inc., Canadian Nuclear Laboratories (CNL), and Global First Power have joined CAAT Pension Plan to receive lifetime retirement income through its...

Woodbridge Foam joins CAAT Pension Plan and DBplus

Unionized members and Woodbridge Foam reach a mutually beneficial agreement to provide a valuable defined benefit pension