The Latest
CLHIA Letter to the Canadian Institute of Actuaries regarding national pharmacare
Published on 11/02/2020
Prescription Drug Costs > PharmacareOn February 11, the CLHIA responded to a call for input to inform the creation of a level-2 Canadian Institute of Actuaries public statement on national pharmacare. The submission recommended that any reform of the prescription drug system embody three elements: protecting and enhancing existing benefits plans, providing drug coverage for everyone, and ensuring affordability for consumers and taxpayers, including addressing high cost drugs.
Consultation on ‘Third Party Reports’ and ‘Medical Expert: Reports and Testimony’ Policies
Published on 09/02/2020
Disability > Long term disability2020 Federal Pre-Budget Submission
Published on 04/02/2020
Pensions and Retirement Prescription Drug Costs Taxation Trade & Commerce International > Annuities Registered Products (RRSP, LIRA, RRIF) Drug pricing Pharmacare Federal Taxation Corporate Tax Interprovincial TradeThe CLHIA has submitted the industry’s views to the federal government’s 2020 pre-budget consultation. The submission focused on key policy areas including pharmacare, pensions, the capital tax on financial institutions, climate change, privacy of consumer information and infrastructure investment.
Submission to Ontario Ministry of Finance Re: Individual Pension Plans and Designated Plans
Published on 23/01/2020
Pensions and Retirement > Employer pension plansOn January 23, the CLHIA submitted comments on the Ontario Ministry of Finance’s consultation on the removal of Individual Pension Plans (IPPs) from the broad scope of pension law, as several other provinces have already done. The submission expressed support for this streamlining and cost reduction measure, while cautioning that this could limit protection for spouses and other plan beneficiaries and exemptions from seizure by the member's creditors. The CLHIA recommended further consideration before proceeding with removing IPPs from the ambit of Ontario's Pension Benefits Act.
CLHIA Submission on New Brunswick Restricted Insurance Licensing Regime
Published on 31/01/2020
Distribution > Market conductOn January 31, the CLHIA submitted comments to New Brunswick's consultation on its proposed restricted insurance licensing regime. Overall, the submission was supportive of New Brunswick's efforts to harmonize with the restricted licensing regimes in Alberta, Saskatchewan and Manitoba. In some cases, where the approaches differ between Alberta, Saskatchewan and Manitoba, the submission recommends a particular approach based on the industry's practical experience.
Submission presented as part of the consultations on the 2020-2021 Quebec budget
Published on 30/01/2020
Taxation > Provincial and Territorial TaxationThe CLHIA met with opposition parties’ political advisors and staff from the Minister of Finance’s office to present recommendations for the 2020-21 Quebec budget. In its submission, the CLHIA stressed the importance of continuing to work with the government to implement measures to better control drug costs. We also explained the need for amendments to the financial sector legislation and for cooperation to find a solution to the problem of trafficking in life insurance policies. Lastly, we addressed the issue of abolishing the compensation tax, as well as the need for continuing efforts to mitigate climate change.
2020 Newfoundland and Labrador Budget Submission
Published on 30/01/2020
Taxation > Provincial and Territorial TaxationCLHIA Comments on FSRA Guidance Framework 2020
Published on 24/01/2020
Compliance > Fair treatment of customers (FTC)On January 24, the CLHIA responded to FSRA's consultation on its new guidance framework, which will standardize the guidance it issues across regulated sectors. FSRA will use four distinct types of guidance to support requirements set out in legislation, regulations and rules: interpretations, information, approaches, and decisions. Every three to five years, FSRA will review the interpretations, information, and approaches. There is no defined review timeline for decisions. The regulator’s approach will be based on the principles of accountability, effectiveness, efficiency, adaptability, collaboration, and transparency. The CLHIA’s submission is supportive of FSRA's approach, notably the principles-based framework, and indicates the CLHIA’s appreciation for FSRA's collaborative approach and its focus on reducing regulatory burden.
Submission to the Yukon Workers Compensation Health and Safety Board Re: Modernization of the Workers’ Compensation Act and Occupational Health and Safety Act
Published on 16/01/2020
Disability > Long term disabilityCLHIA Process on Electronic Declarations
Published on 24/12/2019
Trade & Commerce > Electronic CommerceLetter to the Attorney General of Ontario Re: Bill 161, Smarter and Stronger Justice Act, 2019
Published on 23/12/2019
Insurance > Provincial & Territorial LegislationEnhancing retirement income options for Canadians
Published on 29/11/2019
Pensions and Retirement > CLHIA Pensions and Retirement Policy Paper Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plansLetter to Minister of Social Development and Poverty Reduction re: British Columbia Framework for Accessibility Legislation
Published on 29/11/2019
Insurance > Provincial & Territorial LegislationComments on proposals to amend the Health Professions Act in British Columbia re: BC Reg 276/2008 and BC Reg 415/2008
Published on 29/11/2019
Group Insurance > Dental insuranceOn November 29, the CLHIA sent a letter of support to the College of Dental Surgeons of British Columbia regarding proposed changes to align the Dentists Regulation better to the Health Professions Act. The proposals are considered ‘housekeeping’ changes, given the shared scope of practice statements and restricted activities, including changes to standardized terms to align to the other oral health colleges’ regulations.
Comments on O. Reg. 201/96, Ontario Drug Benefit Act 'Improving Value of Pharmacy Payments'
Published on 27/11/2019
Prescription Drug Costs > Drug pricing Provincial & territorial drug program informationOn November 27, the CLHIA wrote to the Ontario Ministry of Health with comments on proposed regulatory changes made in October that affect public drug programs and payments to pharmacists. The government is looking to replace the tiered mark-up and Meds Check budget proposals with a time-limited (until March 31, 2023) reconciliation adjustment process, resulting in an overall reduction in payments. While the proposed changes do not appear to impact private drug plans, the industry is concerned about the unintended consequences of reducing payments to pharmacists to such a degree, and have encouraged the government to involve CLHIA as a stakeholder to implementation.
Comments on O. Reg. 201/96, Regulation 935 'Reducing Administrative Burden to Drug Manufacturers and Pharmacies'
Published on 27/11/2019
Prescription Drug Costs > Provincial & territorial drug program informationComments on Newfoundland's Dementia Care Action Plan Consultations
Published on 25/11/2019
Health Care Policy > Long-term CareCLHIA comments on Financial Services Regulatory Authority of Ontario (FSRA)'s proposed priorities
Published on 18/11/2019
Distribution > Market conductOn November 18, the CLHIA responded to the Financial Services Regulatory Authority of Ontario’s (FSRA) public consultation on its draft 2020-21 priorities and budget. Priority areas for the industry include “improving licensing effectiveness and efficiency” and “enhanced market conduct oversight to protect consumers”. The CLHIA indicated support for FSRA’s proposed priorities, noting that a reduction in regulatory burden and improvement to regulatory effectiveness would protect Ontarians and support the industry. It also commented on such proposed priorities as a review of inherited guidance, title protection, sector expertise, the creation of a code of conduct, a new agent conduct team, advisor oversight expectations and MGA oversight. With respect to the budget, there is a proposed payroll increase of $4.9 million for life insurance agent conduct regulation, about which the CLHIA indicated an interest in understanding more.
Submission to Health Workforce Regulatory Oversight Branch re: RNs prescribing medications
Published on 17/11/2019
Group Insurance Prescription Drug Costs > Employee benefit plans Provincial & territorial drug program information PharmacareInsurers and healthcare groups collaborate to help providers and patients better understand health insurance benefits
Published on 13/11/2019
Group Insurance > Employee benefit plansSubmission to the Department of Innovation, Science and Economic Development re: PIPEDA Modernization Proposals
Published on 04/11/2019
Trade & Commerce > Intellectual Property PrivacyThe CLHIA recently responded to a May discussion paper published by Innovation, Science and Economic Development Canada (ISED) aimed at modernizing PIPEDA, the private sector privacy legislation that applies to industry members everywhere in Canada except in Alberta, British Columbia and Quebec. In our submission, the CLHIA emphasized the importance of allowing for alternatives or exceptions to consent to facilitate use of personal information by business under specific circumstances including common uses of personal information for reasonable business activities. It also suggested amendments to the legislation to facilitate members’ efforts to fight fraud and confirmed the CLHIA’s interest in recognized voluntary codes of practices and certification schemes. In addition, the CLHIA reiterated its support for the Office of the Privacy Commissioner of Canada (OPC) Ombudsman model while commenting on the possible impact of giving the OPC additional powers.
Submission to the Department of Finance Proposal to Improve the Tax System
Published on 10/10/2019
Taxation Pensions and Retirement > Federal Taxation Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF) AnnuitiesOn October 7, the CLHIA wrote to Finance Canada with recommendations to further expand the decumulation options for Canadians beyond what was promised in the 2019 federal budget. In particular, we advocate that insurers should be allowed to pool Variable Payment Life Annuities (VPLAs) across plans rather than requiring pooling to happen within each plan only. This would allow member to offer stand-alone "aggregator" VPLAs to increase scale and cost effectiveness for consumers. As well, we advocate that Canadians should be able to use savings in their TFSAs to purchase deferred annuities. Technical refinements to the VPLA and Advanced Life Deferred Annuity proposals have also been provided to Finance Canada.
Life and health insurers paid out nearly $100 billion to support Canadians' health and financial security
Published on 05/09/2019
Consumers Disability Distribution Group Insurance Health Care Policy Prescription Drug Costs Taxation > Complaint Handling Long term disability Market conduct Paramedical benefits Dental insurance Employee benefit plans Travel insurance Drug pricing Pharmacare Provincial and Territorial Taxation Policyholder Tax Long-term investmentsEarlier this month, the CLHIA released the annual “Fact book”, which is the most up-to-date collection of data on the life and health insurance industry and the products and services it provides to tens of millions of Canadians.
Data in this year’s edition show that the industry:
The Canadian Life and Health Insurance Facts is produced annually and is a go-to resource for policy makers, journalists, academics, and industry insiders.
CLHIA welcomes amendments to the Patented Medicine Prices Review Board Regulations
Published on 09/08/2019
Prescription Drug Costs > Drug pricing PharmacareResponse to the Privacy Commissioner of Canada re: Reframed Consultation on Transborder Dataflows
Published on 02/08/2019
Trade & Commerce > PrivacySubmission to Health Canada Re: Draft Guidance (Accelerated Review of Human Drug Submissions)
Published on 22/07/2019
Prescription Drug Costs > Drug pricing Provincial & territorial drug program informationOn July 27, the CLHIA responded to Health Canada’s accelerated drug review pathway draft guidance, suggesting revisions in the areas of substantial evidence and promising evidence, as well as transparency in bridging indications from an established indication to a new indication. The CLHIA also suggested that there be more clarity and coordination among the national organizations assessing rare drugs, including Health Canada, pCPA, CADTH and INESSS. The draft guidance is meant to provide assistance to industry regarding the criteria to access an accelerated review, what a Notice of Compliance with conditions (NOCc) means to the manufacturer, the collection of real world evidence for rare diseases as well as other information important to manufacturers and insurers.
Consultation on Comprehensive Review of Yukon Health & Social Services
Published on 28/06/2019
Prescription Drug Costs > Catastrophic drug coverage Drug pricing PharmacareOn June 28, the CLHIA responded to a recently established independent expert panel in Yukon that is reviewing six key areas within the delivery of healthcare and social services. The CLHIA provided comments into two areas of focus. Under Coordination of Care, within and out of territory, we cited areas of private healthcare funding for treatment/services that are being delivered remotely, including cognitive behavioral therapy and some elements of physical therapy programs. A second area of review was Pharmacare and Pharmaceutical Benefits. We agreed with the expert panel’s position that drug prices are too high and must be lowered for all Yukoners, including those with private benefit plans. The CLHIA also agreed on the need to identify those Yukoners lacking coverage or with limited coverage who could benefit from an established list of common medicines and to a coordinated private-public approach to rare diseases.
Submission to Saskatchewan re The Massage Therapists Act
Published on 25/06/2019
Group Insurance > Regulated professionsThe province of Saskatchewan recently signaled its intention to regulate the practice of massage therapy by issuing the draft Massage Therapists Act for comment by stakeholders. In a submission to the Ministry of Health, the CLHIA expressed its support of regulation of massage therapy in Saskatchewan and other unregulated provinces. Regulation puts in place standards of practice, a formal complaints and disciplinary process and enhances the protection of the public in general. In addition, Saskatchewan residents would benefit from the Canadian Revenue Agency’s (CRA) tax-free treatment of services delivered by regulated healthcare providers, as this may increase access to care. Lastly, the CLHIA encouraged protection of titles such as 'Registered Massage Therapist' that are consistent across Canada.
Alka Gautam Elected CLHIA Chair
Published on 25/06/2019
CLHIA Governance > Board of DirectorsBC Submission re: Cayton Report PIPA and Privacy
Published on 14/06/2019
Insurance Trade & Commerce Group Insurance > Provincial & Territorial Legislation Privacy Dental insuranceCLHIA responds to final report of the Advisory Council on the Implementation of National Pharmacare
Published on 05/06/2019
Prescription Drug Costs > Drug pricing PharmacareOn June 12, the Advisory Council on the Implementation of National Pharmacare released its final report. So far the Federal Government response has been muted. The Minister of Health thanked the Council for their report but has not made any commitments with respect to next steps and the Minister of Finance has not made any public statement. The CLHIA news release can be found here.
The highlights of the report include recommendations that:
· Canada should adopt a universal, single-payer public pharmacare program. The program should be phased in over eight years
· The federal government should establish a national standard formulary, and would require that out-of-pocket amounts for individuals be capped at $5 per prescription, with a co-pay of $2 per medicine up to an annual maximum of $100 per household
· The federal government should finance the incremental costs to the provinces of moving to this model via a new dedicated federal transfer to the provinces
· Provinces could opt-in to the program subject to agreeing to the requirements outlined above.
Submission to Health Canada Re: Proposed Generic Drug Regulations
Published on 07/06/2019
Prescription Drug Costs > Generic drug pricingOn June 7, the CLHIA wrote to Health Canada expressing support for its recent proposal to amend the definition of 'equivalence' when evaluating a new generic drug in comparison to the originator. The amended definition would allow a route to market for new generics that are not pharmaceutically equivalent to the reference product, but contain the same identical therapeutically active component, thereby improving choice and potentially resulting in lower costs for plan sponsors and members.
CLHIA announces withdrawal of Guideline G19
Published on 31/05/2019
Distribution > Product disclosure Market conductCLHIA marks its 125th year of promoting the financial security of Canadians
Published on 03/05/2019
CLHIA GovernanceProposed Changes to OHIP Out of Country coverage October 2019
Published on 30/04/2019
Group Insurance > Coordination of benefits Travel insuranceOn April 30, the CLHIA responded to an Ontario government proposal that would see the elimination of emergency health claim reimbursements incurred outside of Canada. The CLHIA’s submission asked for a clear communication plan for Ontarians regarding these changes. The CLHIA also requested the government’s assistance in ensuring that beds are available to Ontarians incurring medical emergencies at destination, and who are ready to return to an Ontario hospital for follow-up care.
CLHIA supports budget proposal to improve retirement options for Canadians
Published on 20/03/2019
Pensions and Retirement > Annuities Retirement Income System Reviews Wealth & RetirementBudget measures offer sensible steps to achieve pharmacare for all who need it
Published on 19/03/2019
Prescription Drug Costs > Drug pricing PharmacareCLHIA welcomes Saskatchewan court ruling in Ituna, Mosten and Atwater litigation
Published on 18/03/2019
Insurance > Provincial & Territorial LegislationOn March 15, in separate sets of reasons, Justice Brian Scherman of the Saskatchewan Court of Queen’s Bench ruled in favour of the three member insurers (Industrial Alliance, Manulife, and BMO Life), dismissing applications brought by three limited partnership policyholders (Ituna, Mosten, and Atwater). The applications were brought seeking a declaration that the policyholders were entitled to deposit unlimited sums of money into the side accounts of universal life policies they had acquired that were issued in the late 1990’s to early 2000’s when interest rates were much higher than today. The CLHIA intervened in the applications because the position taken by the policyholders was contrary to the nature and intended purpose of the product, fundamental insurance law concepts and Canada’s regulatory system. Justice Scherman ruled that the proper interpretation of the contracts was that deposits were limited to those amounts that could be used for the cost of insurance, premium taxes and policy administration fees during the expected life of the insured, as well as amounts used for investment or savings within the policy, up to the accrual tax-exempt limits set in the Income Tax Act. This finding is consistent with the insurers’ licensing, the nature of the product and the absence of any evidence of any other intent by the original purchaser. It provides a harmonious interpretation of premium to the whole policy and would be consistent with an ordinary insured's understanding. The Court found no ambiguity in the policy wording. The CLHIA's press release on the decisions can be found here. The complaints have filed appeals for all three decisions to the Saskatchewan Court of Appeal.
CLHIA welcomes interim report of Advisory Council on the Implementation of National Pharmacare
Published on 06/03/2019
Prescription Drug Costs > Drug pricing Generic drug pricing Provincial & territorial drug program information PharmacareFollowing six months of consultations with stakeholders, including our industry, the federal panel studying national pharmacare issued its interim report on March 6. The report identified six core principles that it believes should underpin a future program, as well as three initial “building blocks” that it recommends be acted upon immediately.
Flanked by the federal ministers of finance and health, advisory council chair and former Ontario Health and Long-Term Care Minister Dr. Eric Hoskins said the future program must improve access to prescription drugs for all Canadians, ensure portable access across Canada, provide for a comprehensive formulary, be designed with input from patients, be a partnership of all orders of government, including indigenous peoples, and include a “a robust pharmaceutical management system.”
The report called for immediate action on a national drug agency, a comprehensive, evidence-based national formulary and improved drug data and information technology systems.
Not missed by observers including CLHIA, is the report’s silence on the important question of how a national pharmacare would be delivered. On that, CLHIA’s response emphasized that a future program must ensure that all Canadians can access affordable prescription medicines no matter where they live and work in Canada. A balanced solution will ensure that the system is sustainable into the future and protects the health benefit plans that Canadians value.
The advisory council’s final report is slated for release in June, four months before the federal election.
Benefits fraud is a real crime with real consequences
Published on 04/03/2019
Compliance > Fraud risk managementMarch is national Fraud Prevention Month and CLHIA is using the month to educate consumers of the signs, risks and real consequences of benefits fraud.
Our efforts have continued to promote the Fraud = Fraud website and campaign launched late last year to raise awareness of benefits fraud and how to recognize, refuse and report it. As part of this, CLHIA issued a national news release, and have promoted Fraud = Fraud assets in our social media channels. To help member companies, we also prepared updated banners and a Fraud Prevention Month toolkit located on our Member Centre that includes social media content and messaging.
Fraud Prevention Month is an annual campaign supported by the federal government and industry that seeks to help Canadians to recognize, reject and report fraud.
Sponsored by CLHIA with the support of our member companies, the Fraud = Fraud website has attracted 99,000 unique visitors, generated national media attention and has close to 400,000 views of the video and 7,000 social media hits.
CLHIA Comments on the Ontario Auto Insurance Consultation
Published on 15/02/2019
Disability Group Insurance Insurance > Long term disability Paramedical benefits Employee benefit plans Provincial & Territorial LegislationComments on 2019-20 FSRA Priorities and Budget
Published on 08/02/2019
Compliance Insurance > Fair treatment of customers (FTC) Conduct of business (Commercial practices) Provincial & Territorial LegislationEarlier this month, the CLHIA made a submission to the FSRA’s public consultation on its 2019-20 priorities and budget. Our submission emphasized our support for FSRA’s proposed core priorities in the areas of reducing regulatory burden and improving regulatory effectiveness. The CLHIA recommended that the new agency find opportunities for policy review with the aim of eliminating overlap and duplication, consider establishing a dedicated life and health insurance industry advisory committee, and harmonize the fair treatment of consumers guidance with existing CCIR-CISRO Guidance. The CLHIA looks forward to continuing to collaborate with Ontario’s new financial sector regulator in the months ahead.
Proposed Amendments to Ontario Regulation 201/96 made under the Ontario Drug Benefit Act
Published on 31/01/2019
Prescription Drug Costs > Provincial & territorial drug program informationOn January 31, the CLHIA responded to draft regulations on proposed changes to OHIP+ that were issued on January 2. The CLHIA recommended moving forward with Trillium Drug Program (TDP) automation as well as regulatory changes to ensure that employers do not eliminate drug coverage for youth under 25. The Fall Economic Statement noted that the planned changes to OHIP+ would occur in March 2019. Any child/youth with coverage through a private insurance plan must submit prescription drug claims to their existing private coverage. Children/youth without coverage through a private insurance plan will be eligible to submit any excess out-of-pocket costs to the TDP. TDP is available to all Ontarians and is means-tested so that the deductible required to be paid out-of-pocket increases with household income.
Critical Illness (CI) Benchmark Definitions
Published on 03/12/2018
Disability > Critical illnessGlobe and Mail supplement: Fraud Prevention Month, March 2018
Published on 08/03/2018
Group Insurance > Employee benefit plansUnderstanding Claims for Treatment of Obstructive Sleep Apnea with Positive Airway Pressure (PAP) Devices
Published on 03/01/2018
Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plansImproving drug access and affordability : Can public and private payers do more, together?
Published on 01/12/2017
Prescription Drug Costs > Drug pricing PharmacareKaren Voin, CLHIA's Vice President, Group Benefits and Anti-Fraud, presents the association's efforts on bridging the public-private divide.
CLHIA Opening Remarks to the House of Commons Standing Committee on Health - Appearance on Pharmacare
Published on 19/10/2017
Prescription Drug Costs > Drug pricing Generic drug pricing Provincial & territorial drug program information PharmacareCanada’s life and health insurers believe all Canadians should be able to access affordable prescription drugs. Today, prescription drugs costs are too high and we know there are gaps in coverage. However, meaningful reductions in prices and improving access for all Canadians can be achieved today working within our current system. Canada’s insurers are keen to help and believe we have much to offer.
CLHIA Views on the Ontario Private Member’s Bill 162
Published on 18/10/2017
Insurance > Provincial & Territorial LegislationBill 162, an Act to amend the Insurance Act to Authorize Life Settlements, seeks to amend section 115 of the Ontario Insurance Act to provide for an exception to the current rule which prohibits any person, other than an insurer or its duly authorized agent, from trafficking or trading in life insurance policies. The Bill seeks to provide an exception to this prohibition for a life insurance policy if the purchase is from the original policyholder and the policy has been held for at least 36 months. The Bill also provides for a 10-day cooling-off period, during which time the agreement for the sale of a life insurance policy may be cancelled.
Empowering employees to make healthy choices - Workplace wellness programs
Published on 12/09/2017
Group Insurance > Employee benefit plansPublished in the National Post's "Health Literacy" supplement
A Canadian Success Story: PROMOTING TRADE IN LIFE AND HEALTH INSURANCE
Published on 16/05/2017
International > International Trade CLHIA International Trade Policy PaperThis position paper briefly describes the benefit of trade in financial services to Canada, the participation of our insurance companies in foreign markets, and the policy directions the Canadian government should take to promote and facilitate trade, particularly for financial services.
Health care dollars lost to fraud are everyone's concern
Published on 16/03/2017
Group Insurance > Employee benefit plansThe Globe and Mail's Fraud Prevention Report
Why would Ottawa even consider a tax that won’t increase revenue, but hurt middle-class Canadians?
Published on 03/01/2017
Group Insurance > Dental insurance Employee benefit plansOp-ed submitted to National Post on Taxation of Benefit Plans
Retirement Income: Coalition appeals to finance ministers
Published on 27/06/2016
Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Retirement Income System ReviewsThe Insurance & Investment Journal
CLHIA concerned about benefit plan impact of proposed change to chiropractor services
Published on 28/06/2016
Group Insurance > Paramedical benefits Regulated professionsBenefits Canada
Who will cover the cost of drugs for doctor-assisted death?
Published on 12/06/2016
Prescription Drug Costs > Provincial & territorial drug program information PharmacareToronto Star/The Canadian Press
The financial downside of living too long
Published on 11/06/2016
Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF) Wealth & RetirementWinnipeg Free Press
CLHIA-Quebec opposed to selling insurance policies to third parties
Published on 02/06/2016
Insurance > Provincial & Territorial LegislationInterview with CLHIA Quebec president Lyne Duhaime
Good-bye travel incentives!
Published on 26/04/2016
Distribution > Sales practicesThe Insurance and Investment Journal
Big changes afoot for life agents?
Published on 22/04/2016
Distribution > Market conduct Sales practicesInvestment Executive May 2016
Group benefits providers report: Insurers get a boost in the battle against fraud
Published on 15/04/2016
Trade & Commerce > Privacy Federal LegislationBenefits Canada
Most Canadians think government programs will cover LTC
Published on 14/04/2016
Long-term CareInvestment Executive
Rest in peace: Weigh your needs when considering to buy life insurance
Published on 14/04/2016
Consumers > Financial Literacy InitiativesCanadian Press
Insurance company drops 'discriminatory' policy on suicide attempts
Published on 30/03/2016
Group Insurance > Employee benefit plansCBC News
CLHIA says sales practices could be improved
Published on 30/03/2016
Distribution > Sales practicesThe Insurance & Investment Journal
Insurance companies reconsider 'dated' policies for suicide attempts, Frank Zinatelli on The National
Published on 29/02/2016
Compliance Group Insurance > Fair treatment of customers (FTC) Employee benefit plansThe National
The keys to protecting your business against fraud
Published on 16/02/2016
Compliance > Fraud risk managementBusinesses and consumers urged to be more vigilant about fraud
What's New - Insurance Distribution in Canada: Promoting a customer-focused system
Published on 13/05/2016
What's New - Insurance Distribution in Canada: Promoting a customer-focused system
Average Alberta dental rates jump 56% over 10-year period
Published on 08/02/2016
Group Insurance > Dental insurance Regulated professionsThe profession says higher salaries for dental hygenists are part of the problem
How should Alberta deal with rising dental fees?
Published on 24/02/2016
Group Insurance > Dental insurance Regulated professionsGlobal News
Time for creativity to finance Canada’s infrastructure, Frank Swedlove, President and CEO, CLHIA
Published on 25/02/2016
Capital and Assets > Long-term investmentsCanada’s insurers are very able and more willing than ever to play a larger role in making sure Canada builds the infrastructure the country needs in a timely and affordable fashion.
CLHIA calls for one-year delay to ORPP
Published on 11/02/2016
Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)Benefits Canada
Life insurance price increases come under fire
Published on 05/02/2016
Distribution > Product disclosureLife Health Professional
Should you buy long-term care insurance?
Published on 03/02/2016
Health Care Policy > Long-term CareSpecial to The Globe and Mail
Ryerson dance student paralyzed after swimming accident in Cuba
Published on 18/01/2016
Group Insurance > Travel insuranceCTV Toronto
Mourir dans la dignité… et l’assurance
Published on 17/01/2016
Insurance > Provincial & Territorial LegislationLa Presse
Apparence de contradiction à l'AMF
Published on 15/01/2016
Distribution > Alternate distributionFinance-investissement.com
Private insurers want in on national bulk-buying deal for drugs
Published on 20/01/2016
Prescription Drug Costs > Drug pricing Provincial & territorial drug program informationBenefits Canada
Globe and Mail supplement April 2016
Published on 27/04/2016
Information UpdatesGlobe and Mail supplement April 2016
Opposing views on the ORPP
Published on 27/02/2015
Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)Investment Executive
Understanding Claims for Footwear and Orthotics
Published on 01/03/2018
Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plansGuaranteed Withdrawal Benefit (GWB) Illustrations
Published on 22/03/2011
Distribution Insurance > CLHIA Distribution guidelines and reference documents Product disclosure CLHIA Insurance guidelines and reference documents Segregated Funds (IVICs)The purpose of this Guideline is to describe the information that should be included in illustrations of IVICs offering guaranteed withdrawal benefits. In particular, the Guideline identifies features that could be misunderstood by consumers or which are affected by consumer decisions and recommends practices to assist in explaining these.
