The CAAT Pension Plan is a defined benefit plan offered to Niagara College employees designed to help you reach your retirement goals.

Whether you are a new employee or an experienced employee approaching retirement, you can find more information on our different plans and other related options below. If you would like to speak to a representative at CAAT Pension please call them directly at 866-350-2228.

Full-Time Employees

DBPrime Pension Plan

Full time employees are automatically enrolled into DBPrime. It is a secure Defined Benefit pension plan that makes it easy to save for retirement and build a stable, predictable retirement income. You contribute a percentage of your earnings into the Plan each pay and the College matches your contributions dollar for dollar.

Learn more about the DBPrime Pension Plan

Part-Time and Contract Employees

DBPlus Pension Plan

DBPlus is designed to meet the unique needs of members who work part-time or are on contract. It is a Defined Benefit pension plan design with a fixed contribution rate for members, matched dollar for dollar by the College.

Learn more about the DBPlus Pension Plan

Did You Know?

You can create a pension estimate in preparation for retirement:
You can calculate an estimated cost of purchasing or transferring past service:
Retirees may be eligible to participate in benefits through the College Employer Council:

Visit the College Employer Council website at for more information.


For questions about your pension, please contact:

Colleen Lovell,
Benefits and Pension Specialist
[email protected]
905-735-2211, ext. 7530

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