New Veterans Charter - Criticisms and Facts
|
|
- Emil Moody
- 5 years ago
- Views:
Transcription
1 New Veterans Charter - Criticisms and Facts The Canadian Forces Members and Veterans Re-establishment and Compensation Act, or New Veterans Charter, was implemented in Recently a number of criticisms of the Charter have been communicated to the Department through various sources. This paper provides key facts which respond to the criticisms. 1) Criticism: The New Veterans Charter is just cost-savings for Government. The New Veterans Charter was created in response to policy research, which highlighted serious flaws in the disability pension approach, including: < VAC s approach to meeting the needs of Veterans consisted of cash (monthly disability pension) and piecemeal healthcare only accessed through the disability pension gateway which failed as it encouraged illness and dependency and did not meet individual need. < Approval was inconsistent with modern disability management to avoid permanent disability. < Research indicated that many Canadian Forces (CF) members suffered significant levels of chronic pain, permanent disability, and operational stress injuries; many had family stress and struggled with employment, income and inadequate education. < Each year DND was releasing 4,000 members whose average age was 36 but the required supports to enable a successful re-establishment into civilian life were not in place. There were also about 400,000 former Canadian Forces (CF) members in Canada, many of whom had unmet rehabilitation and health needs. < Moderately to seriously disabled Veterans and their families were not successfully integrating into civilian life. < Several studies called for action to address the reestablishment needs of Canada s Canadian Forces (CF) Veterans including the Department of National Defence s Care Injured Personnel and Their Families (1997); the Croatia Board of Inquiry (2000), VAC s Review of Veterans Care Needs (2000) and the Veterans Affairs Canada-Canadian Forces Advisory Council (VAC-CFAC) (2004). Government listened and invested an additional $740 million for the first five years of the New Veterans Charter to modernize programs to better serve Canadian Forces (CF) Veterans. Through the New Veterans Charter, investments are made up front to provide needs based rehabilitation services, income, education, health care and other supports to ensure successful reintegration. Page 1 of 8
2 Government has re-distributed expenditures so that Veterans who need more support, get more support under the New Veterans Charter; those who need less, get less support is proportional to need. If the New Veterans Charter is successful over the long term, more Veterans will have a successful transition to civilian life. If that is achieved, costs could be less over the long term. If eventually Government saves money, it will be because more Veterans will have successfully made it in civilian life, which is the main goal. 2) Criticism: The New Veterans Charter lump sum disability awards are a payoff and a goodbye by government so long term disability pensions will not have to be paid. The Disability Award offers up front financial and investment opportunities to assist the Veteran and his or her family transition to civilian life. The lump sum disability award is only one of the benefits available to support Veterans under the New Veterans Charter these payments do not stand alone. The New Veterans Charter also provides other long-term financial benefits, particularly for those most in need because of their service related disabilities. These include the Permanent Impairment Allowance (PIA), Canadian Forces Income Support (CFIS) and the monthly Earning Loss (EL) program which supplements existing income to guarantee that severely disabled Veterans always have 75% of pre-release salary as long as needed until age 65. There are no time limits for New Veterans Charter needs based programs the benefits are on the books forever and can be used whenever and as often as they are needed. Prior to the New Veterans Charter, only the Disability Pension program was available which was never designed to help with transition to civilian life, and could not provide a sufficient financial stream to compensate for loss of income. 3) Criticism: New Veterans Charter offers no long-term support. The New Veterans Charter programs were specifically designed to provide a comprehensive social safety net and support for the long term. Individualized case plans are developed and managed in collaboration with the Veteran and his or her family. New Veterans Charter s cornerstone Rehabilitation program provides comprehensive tailored support whenever it is needed, for as long as it is needed, and as often as it is needed, with no time limits. Page 2 of 8
3 For those unable to work, the New Veterans Charter provides monthly Earnings Loss (EL) replacement up to the normal age of retirement, age 65; beyond age 65, most Veterans have access to Superannuation, Canada Pension, and other retirement income. For the few who may not, the New Veterans Charter provides the Canadian Forces Income Support program. For those Veterans with the most significant impacts to their lives because of service related disability, a Permanent Impairment Allowance (PIA) pays a monthly amount for life payments range between $536 and $1,609 per month. To assist Veterans receiving long-term monthly Earnings Loss (EL) with retirement savings, at age 65 they receive a lump sum payment equal to 2% of their lifetime monthly Earnings Loss (EL) payments. Access to health care for service related disability and access to the Public Service Health Care Plan continues for life. 4) Criticism: The New Veterans Charter ignores families. The New Veterans Charter created many new support options for the needs of families much more than has ever previously existed in VAC s Veteran legislation. Vocational assistance and rehabilitation services may be provided to the partners of Canadian Forces (CF) Veterans who are unable to work Child care support can be made available if the Veteran is in Rehabilitation. Counselling services are available for family members. There is family access to the Public Service Health Care Plan. Consistent with previously existing legislation, Educational Support is available for the children of deceased Veterans who were severely disabled or whose death is related to service. In cases of service related death, death benefits to survivors include the lump sum Death Benefit of $276,000, as well as the monthly Earnings Loss benefit that would have paid to the Veteran this pays irrespective of the income, or future income of the surviving partner. 5) Criticism: New Veterans Charter is slow to respond Page 3 of 8
4 Before the New Veterans Charter, no VAC support could be provided until the Veteran had received a Disability Pension it was the gateway to all benefits. This took time six month service standard to receive a decision. With New Veterans Charter, services and support can be provided more quickly service standard of 4 weeks to receive a decision regarding Rehabilitation eligibility. Services and supports can immediately be provided based on need there is no disability pension or award gateway requirement. The Rehabilitation program, together with monthly Earnings Loss support and other New Veterans Charter benefits, is available right at the time of release, or as soon as the need for help with transition can be determined. The favourable rate for rehabilitation decisions is high since 2006, 94% of all applications for rehabilitation were approved; since April 2009, 96% were approved. Since implementing New Veterans Charter in 2006, VAC has strengthened front line case management. VAC and the DND are establishing Integrated Personnel Support Centres to provide a seamless care to injured/ill members and their families. Integrated Personnel Support Centres will co-locate key VAC Client Services staff with Department of National Defence (DND)/Canadian Forces (CF) staff to support Canadian Forces (CF) members recovery, rehabilitation and reintegration. Efforts will continue to realign field operations to ensure the right staff, with the right skills, are in the right place to provide service to Veterans. While much progress has been made, more is to be done. 6) Criticism: The situation was better for Canadian Forces Veterans before the New Veterans Charter Before the New Veterans Charter there was only the Disability Pension program, and if a Veteran became eligible for that, then related treatment programs were also available. This encouraged illness and dependency and did not meet individual need. Post New Veterans Charter, new features include: < full treatment for the service related injury was maintained (in additional to New Veterans Charter programs) < VAC case managers who ensure that services are tailored to the individual needs of releasing Canadian Forces members and their families; < Integrated Personnel Support Centres which co-locate key VAC Client Services staff with Department of National Defence (DND)/Canadian Forces (CF) staff to support Canadian Forces members recovery, rehabilitation and reintegration; < a comprehensive Rehabilitation program; Page 4 of 8
5 < a dual approach to financial compensation with a Disability lump sum Award, and a monthly Earning Loss benefit while in rehabilitation, or till age 65 if seriously disabled and unable to work; < a Supplementary Retirement benefit payable at age 65; < for the most severely disabled, a monthly allowance (which pays between $536 - $1600 monthly for life) to compensate for the loss of career path; < for medium and seriously disabled veterans the amount of financial compensation exceeds what was available under the Disability pension program; < expanded mental health services and supports; < family support benefits; < a death benefit of $276,000 and monthly Earnings Loss benefits for survivors of service related death; < Career Transition Services (formerly the Job Placement Program); < access to the public service health care plan; and < financial counselling. 7) Criticism: The Service Income Security Insurance Plan clawback is unacceptable This issue is currently before the courts so it is not appropriate to comment publicly at this time. The practice of offsetting one disability, retirement or employment related benefit (e.g. employment earnings) by another is common practice in the long term disability insurance industry as well as provincial and federal workers compensation plans across Canada. While each Long- Disability or workers compensation plan may have some differences in terms of the percentage amount of the benefit payable or what other benefit types are to be offset, each plan has some type of offsetting formula in place which is used when calculating the amount of benefit that is payable under their particular plan. Examples of long term disability plans that offset one disability benefit by another include the Public Service Superannuation Plan, the Public Service Management Insurance Plan, the Royal Canadian Mounted Police (RCMP) Long- term Disability plan, and the British Columbia (BC) Public Service Long-term Disability plan. Every provincial Workers Compensation Board has some form of benefit offsetting in place as well. For VAC, the offsetting issue is eliminated by the Disability Award on a goforward basis i.e., the Disability Award is not offset from the Service Income Security Insurance Plan-Long- Disability, or from VAC s monthly Earnings Loss payments. The Disability Pension does continue to be offset in accordance with legislative requirements. Page 5 of 8
6 8) Criticism: The Disability Pension provides lifetime security; the lump sum Disability Award is a one time payment that encourages financial irresponsibility when it s gone, it s gone. While this is a legitimate concern, it is only a small few who are actually at risk (More than 19,500 clients have received a disability award; of these only 712 clients have received an award amount of $125,000 or greater; of these, 72% have a psychiatric condition. Only a very small portion of this group would be at risk). An individual may have an operational stress injury, but this does not necessarily mean they have the inability to make good financial decisions. All individuals have the right to self determination and choice and for most it is a solid support mechanism. Where the concern is valid is in relation to those who would meet the test of being legally incompetent. VAC is currently contacting disability award recipients to understand Veterans and members experiences with the receipt of a lump sum Disability Award. Preliminary findings indicate that 90% obtained financial advice, and 56% of those found the advice sufficient for managing their Disability Award. Other entities like the courts and insurance companies also issue lump sum payments. Others are also concerned with the irresponsible mismanagement of money but barring a declaration of legal incompetence, self determination and choice must be respected. The Disability Award is just one element of the New Veterans Charter package it cannot be compared directly with the Disability Pension. The New Veterans Charter s dual award approach provides for the economic (Financial Benefits) and non-economic (Disability Award/Death Benefit) impacts of service-related or career-ending disability. Financial benefits provide an income stream to age 65, as required and guarantees a basic standard of living for life. This dual-award approach is consistent with principles of modern disability management it offers early intervention and a focus on wellness, while compensating both for pain and suffering, and economic loss. Seriously injured members and Veterans are guaranteed to be better off under the New Veterans Charter, with better financial supports and optimal supports for rehabilitation. The New Veterans Charter provides a safety net with no time limits Veterans can come to VAC for assistance with service-related disability at any time in the future, and for as many times as required. 9) Criticism: The mental health supports are not adequate Page 6 of 8
7 Over the past five years the number of clients receiving disability benefits related to a psychiatric condition has tripled to 12,689. Veterans with mental health conditions have access to specialized care services, including assessment, early intervention, treatment, rehabilitation, and ongoing care through a network of Operational Stress Injury (OSI) clinics across the country. VAC has established nine specialized outpatient clinics for operational stress injuries across the country. The tenth is a a Residential Treatment Clinic for Operational Stress Injury (OSI) at Ste. Anne s Hospital (SAH), the first of its kind in Canada. More than 2,736 clients have been helped through these clinics. The VAC Operational Stress Injury (OSI) clinics are integrated with the Department of National Defence network of Operational Trauma and Stress Support Centres (OTSSC) in place across the country. Other mental health supports/services include: the VAC/DND Operational Stress Injury Social Support program; pain management services; co-morbid addictions/post-traumatic Stress Disorder treatments; tele-mental health services; VAC Assistance Line; network of 2000 registered service providers and, Clinical Care Manager Services where a mental health professional works directly with the Veteran and their family who need extra support for a period of time. 10) Criticism: The New Veterans Charter consultation process was flawed. A Veterans Affairs Canada-Canadian Forces Advisory Council (VAC-CFAC) report to the Minister based on expert advice formed the basis of the modernized New Veterans Charter programs and services. During the New Veterans Charter development, several rounds of consultations were held with Veterans Afffairs Canada-Canadian Forces Advisory Council (VAC-CFAC) members and representatives of six major Veterans organizations. Programs internationally were examined and the best features from each country were selected for inclusion in the New Veterans Charter. Focus groups were held with Canadian Forces members, Veterans and their families to inform program design. Information sessions were held with and feedback was sought from Canadian Forces members prior to the tabling of the Bill at a number of bases from Halifax to Victoria. Statute provisions were shared with Veterans organizations to obtain stakeholder feedback and to gauge reaction and support. Post-approval, but before implementation in 2006, consultations continued with major Veterans organizations, the VAC Ad Hoc Advisory Group on Special Needs (SNAG) was established and town hall sessions involving some 3,000 participants were held on CF bases. Page 7 of 8
8 11) Criticism: Government committed to the New Veterans Charter as a Living Charter, yet there are no concrete examples of where change has been made. The New Veterans Charter is a young program - we are only 4 years in. Like any new program, the first years have been spent on gaining operational experience what is working, what is not. We are monitoring and have made changes to our service delivery to ensure the program is fully working as intended. VAC and DND have established 19 Integrated Personnel Support Centres to provide a seamless care to injured/ill members and their families. IPSC co-locate key VAC Client Services staff with Department of National Defence (DND)/Canadian Forces (CF) staff to support Canadian Forces members recovery, rehabilitation and reintegration. We recently issued the contract for a national Vocational Rehabilitation provider. Several policies and directives have been updated to ensure current program authorities are maximized. A departmental audit is currently underway. In the Fall of 2007, VAC asked the New Veterans Charter Advisory Group (NVCAG) to prepare a report that would identify needs of Canadian Forces Veterans that are not currently being met under the New Veterans Charter and recommend a course of action legislative, regulatory or policy that would enable VAC to better serve its clients. The New Veterans Charter Advisory Group (NVCAG) report was received in the Fall VAC is analysing the report and exploring options/solutions to address substantiated gaps. The Department is currently realigning its operations through a Concept of Operations plan to optimize service delivery. Page 8 of 8
Pension for Life. The Government of Canada announced the Pension for Life (PFL) on December 20, 2017.
Pension For Life Pension for Life The Government of Canada announced the Pension for Life (PFL) on December 20, 2017. It includes changes to some of the benefits currently available in the New Veterans
More informationAn overview of. Programs. Services. and. Provided for Veterans, their families and communities. Veterans Affairs Canada
An overview of Programs and Services Provided for Veterans, their families and communities Veterans Affairs Canada A Mandate Based On A Nation s Gratitude Canada s development as an independent country
More informationThe Future of Disability Programs and Services for RCMP Members & Their Families: Needs Assessment
The Future of Disability Programs and Services for RCMP Members & Their Families: Needs Assessment Executive Summary Submitted by: Chief Superintendent C. R. (Cal) Corley Project Director Occupational
More informationCanadian Forces Members and Veterans Re-establishment and Compensation Regulations
Vol. 139, No. 51 December 17, 2005 Canadian Forces Members and Veterans Re-establishment and Compensation Regulations Statutory authority Canadian Forces Members and Veterans Re-establishment and Compensation
More informationIMPROVING THE NEW VETERANS CHARTER THE REPORT
Veterans ombudsman report june 2013 IMPROVING THE NEW VETERANS CHARTER THE REPORT Office of the Veterans Ombudsman 360 Albert Street, Suite 1560 Ottawa, Ontario K1R 7X7 Calls within Canada (Toll-free):
More information24 August 2010 File: Response to Query VAC Ombudsman and the Legion s position on the New Veterans Charter and troops sent to Afghanistan
24 August 2010 File: 44-1 Response to Query VAC Ombudsman and the Legion s position on the New Veterans Charter and troops sent to Afghanistan The Royal Canadian Legion appreciates the efforts of Pat Stogran
More informationOffice of the Veterans Ombudsman
Office of the Veterans Ombudsman 360 Albert Street, Suite 1560 Ottawa, Ontario K1R 7X7 Toll-free: 1-877-330-4343 Email: info@ombudsman-veterans.gc.ca Facebook: Canada s Veterans Ombudsman Twitter: @VetsOmbudsman
More informationEvaluation of Disability Benefits. August Audit and Evaluation Division. Canada. Page i
Veterans Affairs Canada Anciens Combattants Canada Evaluation of Disability Benefits August 2015 Audit and Evaluation Division Canada Page i Table of Contents Executive Summary... i 1.0 Introduction...
More informationVeterans Affairs Canada Facts & Figures
Veterans Affairs Canada Facts & Figures June 2017 Edition i Please read the important disclaimer on the inside cover. Ce livre est disponible en français. Disclaimer Departmental client and expenditure
More informationVeterans Affairs Canada
Veterans Affairs Canada Departmental Performance Report The Honourable Kent Hehr, P.C., M.P. Minister of Veterans Affairs and Associate Minister of National Defence Cette publication est également disponible
More informationEvaluation of Disability Pensions and Awards
Veterans Affairs Anciens Combattants Canada Canada Evaluation of Disability Pensions and Awards Final: August 2010 Canada Audit and Evaluation Division ISO 9001:2000 CERTIFIED This report was prepared
More informationRe: Stakeholders Meeting Veterans Affairs Canada (VAC).
Re: Stakeholders Meeting Veterans Affairs Canada (VAC). On 24 October 2011 I attended a "Stakeholders Meeting" with VAC at the Lord Elgin Hotel, Ottawa. The Honorable Minister of VAC, Steven Blaney opened
More informationDepartmental Performance Report. The Honourable Steven Blaney, P.C., M.P. Minister of Veterans Affairs
2010-11 Departmental Performance Report The Honourable Steven Blaney, P.C., M.P. Minister of Veterans Affairs Table of Contents Minister s Message.1 Chair s Message.2 Section I - Departmental Overview...
More informationEvaluation of the Workers Compensation Cost Recovery Program
Evaluation of the Workers Compensation Cost Recovery Program Final Report Evaluation and Data Development Strategic Policy Human Resources Development Canada January 2002 SP-AH184-01-02E (également disponible
More informationIMPROVING THE NEW VETERANS CHARTER THE ACTUARIAL ANALYSIS
Veterans ombudsman actuarial analysis june 2013 IMPROVING THE NEW VETERANS CHARTER THE ACTUARIAL ANALYSIS Office of the Veterans Ombudsman 360 Albert Street, Suite 1560 Ottawa, Ontario K1R 7X7 Calls within
More informationORDER OF THE LIEUTENANT GOVERNOR IN COUNCIL
PROVINCE OF BRITISH COLUMBIA ORDER OF THE LIEUTENANT GOVERNOR IN COUNCIL Order in Council No. 595, Approved and Ordered November 9, 2018 Executive Council Chambers, Victoria On the recommendation of the
More informationLow Income Lines and Financial Security in Retirement
Low Income Lines and Financial Security in Retirement In Support of the New Veterans Charter Review Mary Beth MacLean, Health Economist, Research Directorate Teresa Pound, Senior Policy Advisor, Strategic
More informationWhy choose Income Protection+?
Retirement Investments Insurance Health Why choose Income Protection+? Please note: This guide provides brief summaries of the cover and options available. For full details you must read the policy summary
More informationVeterans Affairs Canada Facts & Figures
Veterans Affairs Canada Facts & Figures September 207 Edition i Please read the important disclaimer on the inside cover. Ce livre est disponible en français. Disclaimer Departmental client and expenditure
More informationNow and Tomorrow Excellence in Everything We Do. Canada Pension Plan disability benefits
Now and Tomorrow Excellence in Everything We Do Canada Pension Plan disability benefits Canada Pension Plan Disability Benefits This publication is available for download at canada.ca/publicentre-esdc
More informationLife After Service Study (LASS): How are Canadian Forces Members doing after Transition to Civilian Life?
Life After Service Study (LASS): How are Canadian Forces Members doing after Transition to Civilian Life? Kerry Sudom Defence Research and Development Canada MORS Personnel and National Security Workshop
More informationThe ACC Scheme. 1 The Injury Prevention, Rehabilitation, and Compensation Act 2001 sets the framework for New Zealand s accident compensation scheme.
The ACC Scheme 1 The Injury Prevention, Rehabilitation, and Compensation Act 2001 sets the framework for New Zealand s accident compensation scheme. 2 The ACC scheme provides comprehensive, 24-hour, no-fault
More information9 March The Review of the Armed Forces Compensation Scheme One Year On
9 March 2011 The Review of the Armed Forces Compensation Scheme One Year On Key Messages It is one year on from the publication of the Review into the Armed Forces Compensation Scheme (AFCS) by Admiral
More information1. Receipts of the social protection system in Bulgaria,
THE EUROPEAN SYSTEM OF INTEGRATED SOCIAL PROTECTION STATISTICS (ESSPROS) Receipts and expenditure of the social protection system in 2015 Financing of the social protection system in the country is realized
More informationJoint Business Association response to report prepared by Paul Petrie:
Joint Business Association response to report prepared by Paul Petrie: Restoring the Balance: A Worker-Centered Approach to Workers Compensation Policy Prepared for: Hon. Harry Bains, Minister of Labour
More informationNo one likes to think about the possibility of being seriously injured in an accident or becoming too ill to work. But it can happen to any of us.
Insurance Planning One financial aspects of partnership is insurance 1. Disability insurance 2. Life insurance 3. Professional liability insurance Your law firm may have an established insurance package,
More informationServices and Benefits. Date, Place
Services and Benefits Date, Place 1 Objectives of the Presentation To provide information on who Veterans Affairs Canada (VAC) serves. To provide an overview of VAC s benefits and services available to
More informationprotecting you and your family
protecting you and your family Insurance guide Effective 1 February 2018 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957;
More informationPensions and Retirement. Pension benefits, housing allowance and care allowance
Pensions and Retirement Pension benefits, housing allowance and care allowance Contents Pensions and Retirement 1 What kind of pension can I get? 2 Earnings-related pension 3 Pensions provided by Kela
More informationProvince of British Columbia Ministry of Finance MECHANISMS FOR EXPANDING PENSION COVERAGE AND RETIREMENT INCOME ADEQUACY IN CANADA
Province of British Columbia Ministry of Finance MECHANISMS FOR EXPANDING PENSION COVERAGE AND RETIREMENT INCOME ADEQUACY IN CANADA This paper seeks your views on how best to address anticipated future
More informationJoin CalSTRS? Join CalPERS? Decide which retirement system is best for you
Join? Join? Decide which retirement system is best for you 2013 14 On Our Cover: Raymond teaches general math and pre-algebra to 6th and 7th graders at a middle school in Southern California. His teaching
More informationUNIVERSITY OF VICTORIA STAFF PENSION PLAN INDEX
UNIVERSITY OF VICTORIA STAFF PENSION PLAN INDEX 1 INTRODUCTION... 2 2 DEFINITIONS... 3 3 ELIGIBILITY FOR MEMBERSHIP... 8 4 ENROLLMENT... 9 5 MEMBER CONTRIBUTIONS... 10 6 UNIVERSITY CONTRIBUTIONS... 12
More informationPayments During The Assessment Period
Appendix Payments During The Assessment Period Part 1 Introduction 1.1 The Pension Protection Fund provides two levels of compensation: 100% this is for pension scheme members who immediately before the
More informationCanada Gazette: Vol. 139, No. 51 December 17, 2005: Representation from Sean Bruyea January 30, 2006
Canada Gazette: Vol. 139, No. 51 December 17, 2005: Representation from Sean Bruyea January 30, 2006 Please Note: Recommended amendments (bold underlined) with accompanying explanations (bold italic) can
More informationEmployee Benefits: We ve got you covered
Employee Benefits: We ve got you covered Contents All of your employee benefit needs covered 1 The value of employee benefits 2 WHAT WE OFFER Key Person Insurance 3 Private Medical Insurance 4 Workplace
More informationANNUAL REPORT. Report on the Public Service Pension Plan
ANNUAL REPORT Report on the Public Service Pension Plan For the Fiscal Year Ended March 31, 2013 Report on the Public Service Pension Plan For the Fiscal Year Ended March 31, 2013 Her Majesty the Queen
More informationVETERANS AFFAIRS CANADA
VETERANS AFFAIRS CANADA REPORT ON PLANS AND PRIORITIES The Honourable Julian Fantino, PC, MP Minister of Veterans Affairs Her Majesty the Queen in Right of Canada, as represented by the Minister of Veterans
More informationLong Term Disability Annual Report BROUGHT TO YOU BY THE BC PUBLIC SERVICE AGENCY YOUR ALLY for SUCCESS
Long Term Disability Annual Report 2013-14 BROUGHT TO YOU BY THE BC PUBLIC SERVICE AGENCY YOUR ALLY for SUCCESS 3 4 5 9 10 11 Message from the Trustee The Long Term Disability Plan Discussion and Analysis
More information20 CFR, PART 404, SUBPART D - FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- )
20 CFR, PART 404, SUBPART D - FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) from e-cfr, current as of November 18, 2005 [for a more up-to-date version go to: http://www.gpoaccess.gov/ecfr/index.html
More informationANNUAL REPORT. Report on the Public Service Pension Plan
ANNUAL REPORT Report on the Public Service Pension Plan For the Fiscal Year Ended March 31, 2012 Report on the Public Service Pension Plan For the Fiscal Year Ended March 31, 2012 Her Majesty the Queen
More informationDepartmental Performance Report
Departmental Performance Report 2011-12 The Honourable Steven Blaney, P.C., M.P. Minister of Veterans Affairs ii 2011 12 DEPARTMENTAL PERFORMANCE REPORT Table of Contents How to Read this Report.v Minister
More informationLevel of cover: How much is enough? Part 2: TPD and trauma
Level of cover: How much is enough? Part 2: TPD and trauma 10 December 2010 In the second part of this strategy series, we continue the discussion on appropriate levels of personal insurance cover, specifically
More informationCDA Institute Analysis: Examining the 2018 Budget Equality+Growth from the Security and Defence Perspective.
CDA Institute Analysis: Examining the 2018 Budget Equality+Growth from the Security and Defence Perspective. EXECUTIVE SUMMARY As foreshadowed during the CDA / CDA Institute 2018 Ottawa Conference on Defence
More informationWHAT WOULD YOU DO IF YOUR SALARY STOPPED?
INCOME PROTECTION THE BASICS WHAT WOULD YOU DO IF YOUR SALARY STOPPED? Being unable to work due to long term illness or injury is a frightening prospect. On top of everything else, could you cope financially?
More informationThe Workers Advisers Office (WAO)
The Workers Advisers Office (WAO) This factsheet has been prepared for general information purposes. It is not a legal document. Please refer to the Workers Compensation Act and the Rehabilitation Services
More informationOld Age Security and the Canada Pension Plan
Old Age Security and the Canada Pension Plan A Reference Guide March 2008 A Reference Guide Old Age Security and the Canada Pension Plan This booklet is a reference guide to the Canada Pension Plan and
More information3. Matters of special interest to the Joint Committee on Statutory Instruments
EXPLANATORY MEMORANDUM TO THE ARMED FORCES AND RESERVE FORCES (COMPENSATION SCHEME) ORDER 2011 2011 No. 517 1. This explanatory memorandum has been prepared by the Ministry of Defence (MOD) and is laid
More informationWritten Submission for the Pre-Budget Consultations in Advance of the 2019 Budget. By the Canadian Psychological Association
Written Submission for the Pre-Budget Consultations in Advance of the 2019 Budget By the Canadian Psychological Association Recommendation 1: Fixing unequal access to the psychological services offered
More informationARTICLE 21 OTHER LEAVES
ARTICLE 21 OTHER LEAVES 21.1 Policy. (a) Faculty members will have legitimate reasons to take leave and shall not be penalized or disadvantaged for having taken leave. (1) The duration of a leave may vary
More informationSCHEDULE 2 EMPLOYERS GROUP
SCHEDULE 2 EMPLOYERS GROUP July 7, 2017 Consultation Secretariat Workplace Safety & Insurance Board 200 Front Street West Toronto ON M5V 3J1 Via Email Re: Chronic Mental Stress ( CMS ) Policy Consultation
More informationCompensability of Psychological Injury WCB Program Policy Consultation
Compensability of Psychological Injury WCB Program Policy Consultation Objectives Today Objectives WCB Policy Consultation The Current Framework for Adjudicating Stress Proposed Policy: Psychological Injuries
More informationLONG TERM DISABILITY ANNUAL REPORT
LONG TERM DISABILITY ANNUAL REPORT 2016 2017 3 4 5 Message from the Deputy Minister The Long Term Disability Plan Discussion and Analysis Claims Information Financial Performance Service Provider Scorecard
More informationfor use in client suitability letters
For financial adviser use only. Not approved for use with customers. Reasons why for use in client suitability letters For Life Insurance+, Critical Illness+, Whole of Life Insurance+, Income Protection+
More informationSpecial Notice Feature Article Regulatory Initiatives Did You Know? What s Next NCPC Update Contacts. VOLUME 7 May 2005
THE PAC NEWS The Voice of the RCMP Pension Advisory Committee Special Notice Feature Article Regulatory Initiatives Did You Know? What s Next NCPC Update Contacts VOLUME 7 May 2005 SPECIAL NOTICE - Conversion
More informationTravel Insurance Guide for Professionals. The Introductory Guide to Travel Insurance
Travel Insurance Guide for Professionals The Introductory Guide to Travel Insurance INTRO Welcome to your association travel insurance guide. The purpose of this guide is to provide you with a better understanding
More informationComparative Review of Workers Compensation Systems in Select Jurisdictions
of Workers Compensation Systems in Select Jurisdictions JURISDICTION: YUKON ENVIRONMENT Population Size 33,586 ( June, 1997) Labour Force 15,708 (1996) Demographic and Economic Indicators The economy of
More informationAPPENDIX INTERACTIONS AMONG VARIOUS BENEFITS AND SERVICES FOR WORKING-AGE PERSONS WITH DISABILITIES
An Overview of Social Security Disability Insurance (SSDI) Owens APPENDIX INTERACTIONS AMONG VARIOUS BENEFITS AND SERVICES FOR WORKING-AGE PERSONS WITH DISABILITIES The relationship and interaction of
More informationThe Student Assistance and Student Aid Fund Regulations, 2001
1 STUDENT AID FUND S-61.1 REG 5 The Student Assistance and Student Aid Fund Regulations, 2001 being Chapter S-61.1 Reg 5 (effective August 2, 2001) as amended by Saskatchewan Regulations 43/2002, 85/2004,
More informationROYAL CANADIAN MOUNTED POLICE PENSION PLAN
ROYAL CANADIAN MOUNTED POLICE PENSION PLAN ANNUAL REPORT 2010-2011 Table of Contents Message from the Minister of Public Safety... 1 Financial Highlights... 2 RCMP Pension Plan at a Glance... 3 Governance
More informationIssue Date: 15 May Zurich Active. Product Disclosure Statement including policy conditions
Issue Date: 15 May 2017 Zurich Active Product Disclosure Statement including policy conditions This PDS This PDS contains information about the Zurich Active policies, as well as the policy conditions.
More informationHOSPITAL AND DIAGNOSTIC SERVICES INSURANCE ACT REGULATIONS
c t HOSPITAL AND DIAGNOSTIC SERVICES INSURANCE ACT REGULATIONS PLEASE NOTE This document, prepared by the Legislative Counsel Office, is an office consolidation of this regulation, current to March 31,
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for the Employees of Waxie s Enterprises, Inc. Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy, you
More informationESSSuper Claiming a Disability Benefit. Proudly serving our members. Issued 1 July 2017
ESSSuper Claiming a Disability Benefit Proudly serving our members Issued 1 July 2017 Issued by: Emergency Services Superannuation Board ABN 28 161 296 741 as Trustee of the Emergency Services Superannuation
More informationMacquarie Life Active Product Disclosure Statement. Macquarie Life
Macquarie Life Active Product Disclosure Statement Macquarie Life Product Disclosure Statement jointly issued by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management
More information2018 FEDERAL BUDGET SUMMARY
2018 FEDERAL BUDGET SUMMARY Introduction With the release of its 2018 Budget on February 27 th, the federal government made real progress on its 2016 election commitment to connect more low-income and
More informationDistrict School Board of Pasco County. Your Group Disability Plan
District School Board of Pasco County Your Group Disability Plan Policy No. 68687 011 Underwritten by Unum Life Insurance Company of America 1/6/2009 CERTIFICATE OF COVERAGE Unum Life Insurance Company
More information8 Legislative Changes and Potential Impact of Provincial Reforms across Social Services
Clause 8 in Report No. 2 of Committee of the Whole was adopted, without amendment, by the Council of The Regional Municipality of York at its meeting held on February 16, 2017. 8 Legislative Changes and
More informationBEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS
BEYOND ONE DAY AT A TIME PLANNING FOR YOUR FUTURE AND THE LIFETIME OF A PERSON WITH SPECIAL NEEDS To accomplish great things, we must dream as well as act. Anatole France, French Novelist AN EXTRAORDINARY
More informationMake Poverty History Manitoba 432 Ellice Avenue, Winnipeg MB, R3B 1Y4, (204) ext 1230
Develop and implement a comprehensive poverty reduction plan with targets and timelines for reducing poverty (MPHM) has long called for a comprehensive provincial poverty reduction plan with targets and
More informationReport of The Health Insurance Authority to the Minister for Health and Children pursuant to Article 10 of the Risk Equalisation Scheme, 2003 and for
Report of The Health Insurance Authority to the Minister for Health and Children pursuant to Article 10 of the Risk Equalisation Scheme, 2003 and for the period 1 July, 2003 to 31 December, 2003. 28 April,
More informationClearView LifeSolutions
ClearView LifeSolutions Product Disclosure Statement and Policy Document Product Disclosure Statement and Policy Document Issue 2 / 28 December 2015 ClearView LifeSolutions issued by ClearView Life Assurance
More informationMental Health Services Act (Proposition 63) Analysis by the County of Los Angeles Department of Mental Health July 2004
Mental Health Services Act (Proposition 63) Analysis by the July 2004 DESCRIPTION The Mental Health Services Act (Proposition 63) provides funding to counties to expand and develop innovative, integrated
More informationNSW CTP: A scheme in need of reform
NSW CTP: A scheme in need of reform A first party, no-fault scheme will provide simpler, fairer access to benefits for all road users. The inclusion of defined benefits for all people who are injured,
More information2011 Guide to Social Security
2011 Guide to Social Security 39th Edition A simple explanation with easy-reference benefit tables. Contents Page 1 Introduction... 3 Are You Missing Out?.... 3 Major Changes in 2011... 4 2Who Is Covered
More informationVeterans Affairs Report on Plans and Priorities. The Honourable Greg Thompson, P.C., M.P. Minister of Veterans Affairs
Veterans Affairs 2008-2009 Report on Plans and Priorities The Honourable Greg Thompson, P.C., M.P. Minister of Veterans Affairs TABLE OF CONTENTS SECTION I - OVERVIEW... 1 Minister s Message... 1 Chair
More informationYOUR SUMMARY PLAN DESCRIPTION
YOUR SUMMARY PLAN DESCRIPTION Richmond Public Schools All Regular Full-Time Hourly or Salaried Employees working at least 20 hours per week Income Coverage: Term Benefits Effective July 1, 2011 YOUR SUMMARY
More informationTable of Contents. 4. Appeals Contact Information...14
Disability Benefits Table of Contents 1. Disability Benefits Death and Disability Plan...1 Overview.... 1 Eligibility and Enrollment... 3 Disability Benefits.... 3 Factors that Affect Benefit Calculations...
More informationVoluntary Benefits. So Important. Your Guide to Understanding Voluntary Disability Income Protection
Voluntary Benefits Your Guide to Understanding Voluntary Disability Income Protection What would happen if you couldn t work? How would your life change if you became ill or injured and couldn t bring
More informationL-3 Communications Corporation. Long Term Disability Insurance Plan
S U M M A R Y P L A N D E S C R I P T I O N L-3 Communications Corporation Long Term Disability Insurance Plan Effective January 1, 2007 L - 3 C O M M U N I C A T I O N S Table of Contents The Long Term
More informationManaging Your Finances
Managing Your Finances A Personal Financial Security Review 2012 VSA, LP Valid only if used prior to January 1, 2013. The information, general principles and conclusions presented in this report are subject
More informationShort Term Disability and Long Term Disability Insurance Plans
S U M M A R Y P L A N D E S C R I P T I O N L3 Technologies, Inc. Short Term Disability and Long Term Disability Insurance Plans Effective January 1, 2017 Table of Contents The Short Term Disability and
More informationFOR THE COMMON GOOD: 222 RECOMMENDATIONS ROYAL COMMISSION REPORTS ON WORKERS COMPENSATION SYSTEM
FOR THE COMMON GOOD: 222 RECOMMENDATIONS ROYAL COMMISSION REPORTS ON WORKERS COMPENSATION SYSTEM Vancouver, B.C. (Jan. 20/99): While British Columbia s workers compensation system deserves praise for its
More informationSUMMARY PLAN DESCRIPTION
SUMMARY PLAN DESCRIPTION A Summary of Benefits for Employees who Retire, Become Disabled or Otherwise Terminate Participation After December 31, 2013 CONTENTS PAGE INTRODUCTION... 1 DEFINITIONS... 2 IMPORTANT
More informationAdministrative Disability Program Information
Administrative Disability Program Information Table of Contents Income Protection... 2 Eligibility... 2 Definition of Total Disability... 2 Benefits... 3 Payment of Benefits... 3 Integration of Benefits...
More informationPAYROLL DEDUCTION & BENEFIT INFORMATION
PAYROLL DEDUCTION & BENEFIT INFORMATION - 2016 Mandatory deductions UNION EMPLOYEES Federal Tax Income tax is calculated on your gross earnings minus union dues and superannuation (pension deduction) according
More informationClaim for. Death Benefits
Notice to readers: This document complies with Québec government standard S G Q R I 0 0 8-0 2 on the accessibility of downloadable documents. If you experience difficulties, please contact us at: 1 800
More informationIWA - FOREST INDUSTRY LONG TERM DISABILITY PLAN
R IWA - FOREST INDUSTRY LONG TERM DISABILITY PLAN 2013 NOTE: Page 6 has been revised to reflect the improvements to the monthly LTD payments eective July 1, 2016. Disclosure under the Financial Institutions
More informationInformation About Disability Retirement (FERS)
. Information About Disability Retirement (FERS) This pamphlet contains basic information concerning disability retirement benefits under the Federal Employees Retirement System (FERS). This is for use
More informationHO Circular No.46/2004
HO Circular No.46/2004 This circular is about From COMMUNITY SAFETY GROUP The Police Pension Scheme-Police Medical Appeal Boards/Role of Selected Medical Practitioner/British Transport Police Transfers
More informationYour Pension Plan Guide
IWA-Forest Industry Pension Plan Your Pension Plan Guide September 30, 2015 TABLE OF CONTENTS OVERVIEW 1 About this Booklet 1 MEMBERSHIP IN THE PLAN 2 Joining the Plan 2 Changing Jobs 2 Your Pension Record
More informationVeterans Affairs Canada
Veterans Affairs Canada 2018 19 Departmental Plan The Honourable Seamus O Regan, P.C., M.P. Minister of Veterans Affairs and Associate Minister of National Defence Cette publication est également disponible
More informationLiberal Party of New Brunswick Response to Provincial Election 2014 Questionnaire for Political Parties
Liberal Party of New Brunswick Response to Provincial Election 2014 Questionnaire for Political Parties Submitted to: New Brunswick Common Front for Social Justice Inc. On behalf of the Liberal Party of
More informationThese Rules are Current to April 1, 2018 COLLEGE PENSION PLAN RULES. Effective June 22, 2012
COLLEGE PENSION PLAN RULES at April 1, 2018 Page 1 These Rules are Current to April 1, 2018 COLLEGE PENSION PLAN RULES Effective June 22, 2012 1 Interpretation Contents PART 1 ENROLLMENT IN THE PENSION
More informationChristian Reformed Church in North America Canadian Ministers Policy #
RBC Insurance Long Term Disability Income Protection Insurance Plan Highlights Christian Reformed Church in North America Canadian Ministers Policy # 580789 Please read carefully the following description
More informationLong Term Disability Annual Report
Long Term Disability Annual Report 2015-16 brought to you by the BC PUBLIC SERVICE AGENCY 3 4 5 Message from the Trustee The Long Term Disability Plan Discussion and Analysis Claims Information Financial
More informationFAMILY & MEDICAL LEAVE POLICY
Verona Area School District 532.31 FAMILY & MEDICAL LEAVE POLICY This Family and Medical Leave Policy is intended to conform to, and not exceed, the requirements of the federal Family and Medical Leave
More informationFor a current listing of OPERS Board members, please visit
The 11-member OPERS Board of Trustees is responsible for the administration and management of OPERS. Seven of the 11 members are elected by the groups that they represent (i.e., college and university
More informationComparative Analysis of Workers Compensation Systems in Select Jurisdictions NEW BRUNSWICK
Comparative Analysis of Workers Compensation Systems in Select Jurisdictions JURISDICTION: NEW BRUNSWICK ENVIRONMENT Population Size Labour Force Demographic and Economic Indicators 760,100 (1995, Stats
More informationVeterans Benefits: An Overview
Order Code RS22902 June 25, 2008 Veterans Benefits: An Overview Carol D. Davis Knowledge Services Group Sidath Viranga Panangala and Christine Scott Domestic Social Policy Division Summary The Department
More information7 Understanding PharmaCare Plans
7 Understanding PharmaCare Plans 7.2 Fair PharmaCare (Plan I)... 4 Definitions... 4 Understanding Fair PharmaCare coverage... 6 Annual deductible... 6 Co-payment... 6 Family maximum... 6 Annual renewal...
More information