why join
The CAAT Pension Plan continues to enhance workplace pensions in Canada with a Modern defined benefit (DB) plan design that accommodates a variety of workplaces.
In direct response to employer needs, our latest innovations further integrate the contribution rate flexibility common to defined contribution (DC) plans and group RRSPs with the stability and benefit security of a Modern DB plan.
With a suite of flexible options now available, the DBplus plan design can accommodate a wider range of workplace, change management, labour and collective bargaining needs.
Reduce any barriers to participation by gradually increasing employee contributions through rate phase-ins.
Offer contribution levels that can vary by employee class, prior membership and bargaining unit. In certain cases, you may be able to determine eligibility by employee class.
Employers have the option of offering a range of contribution rates, with an associated employer match, for employees to choose from. Contribution Choice lets you tailor your organization’s contribution rates to your unique workforce needs. Learn how Contribution Choice works here
DBplus is the pension plan design of choice for a growing number of Canadian organizations. We welcome workplaces of all sizes and types, in the public, private and not-for-profit sectors. Employers that currently offer DB plans, DC plans, group RRSPs, or no workplace retirement savings plans at all can enjoy a seamless transition to a sustainable, best-in-class DB pension plan.
Are you interested in bringing DBplus to your workplace? Reach out to our Pension Solutions team to see how we can accommodate the design of your existing retirement savings plan(s) or work with you to create a tailored solution for your workplace - all with no administration fees.
Online resources that can help facilitate conversations with your network about DBplus.
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