In addition to a lifetime pension from the CAAT Pension Plan, you have access to government pensions, and your own personal savings. Working together, each of these "pillars" will help provide the stable foundation on which your retirement income will be based.

Budgeting

It’s important to remember that your government benefits, like CPP or QPP and OAS, are paid in the last three business days of each month. Your CAAT Plan pension is paid on the first day of each month. This means your retirement income payments will be staggered during the month. Remember that your CAAT Plan pension and your government pensions (CPP and OAS) are all taxable.