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Submission to AMF on Students Group Insurance

Published on 17/10/2022

Group Insurance > Employee benefit plans

Submission to BC regarding implementation of the Financial Institutions Amendment Act, 2019 (Bill 37): Consultation Regarding Restricted Insurance Licenses

Published on 03/10/2022

Distribution > Market conduct

On October 3, the CLHIA responded to the Government of British Columbia’s consultation regarding restricted insurance licences. The CLHIA commended the government’s efforts to promote consistency, simplicity, and harmonization amongst the provinces that have, or will soon have restricted insurance agent licences.

The CLHIA commented on the prospective classes of applicants and insurance as well as on repealing exemptions in BC’s insurance licensing exemptions regulation. Our response also provided detailed comments against limits to commissions, value limits on insurance sold by restricted licence holders, and deferred sales charges models. Finally, the CLHIA addressed transitional considerations, businesses outside of British Columbia being eligible for restricted licences, and strongly discouraged the government from using the term “post-claim underwriting.”

The CLHIA will continue to keep the industry updated when British Columbia’s next steps for this initiative become clearer.

Submission on Modernizing Corporate Governance for Federally Regulated Financial Institutions

Published on 23/09/2022

Government Relations > Government Monitoring

On September 23, the CLHIA provided its comments to the federal government’s consultation on modernizing the governance framework for federally regulated financial institutions (FRFIs). The consultation is considering adapting and applying the Canada Business Corporations Act diversity disclosure requirements to FRFIs. Our submission notes the importance of balancing qualifications with efforts to encourage diversity on boards of directors. The consultation also considers expanding electronic communications, such as electronic distribution of materials and virtual stakeholder meetings. The CLHIA submission expressed support for these measures.

Canadians received a record $113 billion in life and health insurance benefits, 2021 data shows

Published on 15/09/2022

Consumers > CLHIA Consumer Publications

In mid-September, the CLHIA released the 2022 edition of Canadian Life and Health Insurance Facts. This year’s edition shows the important role insurers are playing in the recovery, helping employers and their employees get back on their feet with workplace benefits that help attract and retain talent and contribute to the health of millions.

Among the key facts are that in 2021, Canada’s life and health insurers:

  • Paid-out a historic $113 billion in benefits last year – up 17 per cent from 2020 and nearly $10 billion above pre-pandemic levels
  • Provided coverage for over 29 million Canadians – or 76 per cent of the population
  • Paid a record $40.8 billion in total health claims, including prescription drugs and dental – up 11 per cent from 2020
  • Processed nearly $600 million in claims related to mental health – up 75 per cent since 2019
  • Paid out $58 billion in annuities to retirees - up 26 per cent from the previous year
  • Employed 166,000 Canadians – up more than 5,000 from 2020
  • Provided insurance products to nearly 100 million people worldwide

    Canadian Life and Health Insurance Facts is published annually by CLHIA relying on industry and publicly available data. Download it and related resources at https://www.clhia.ca/facts.

  • CLHIA submission on the development of a model Canadian digital trade agreement

    Published on 13/09/2022

    Trade & Commerce > Privacy

    The federal government has started work to develop a model Canadian digital trade agreement. On July 15, Global Affairs Canada launched a consultation inviting views on the potential scope and content of the agreement. On September 13, the CLHIA shared its views highlighting two key issues for consideration: that the agreement should prohibit data localization requirements; and that it should minimize the differences in digital regulation across jurisdictions.

    Submission to the Employment and Social Development Canada - Premium Reduction Program

    Published on 29/07/2022

    Disability Group Insurance > Long term disability Employee benefit plans

    On July 29, the CLHIA responded to an Employment and Social Development Canada (ESDC) consultation on revamping the current Premium Reduction Program. CLHIA’s recommendations intend to make the program flexible and simple, modernize and digitize processes, and develop initiatives to create awareness of the program among employers. For background, employers who offer a short-term disability program comparable to or better than Employment Insurance sickness benefits, pay reduced EI premiums. As the EI sickness program will be changing from 15 weeks to 26 weeks sometime later this year, it is important that the PRP be revamped in conjunction with this change.

    Specifically, the CLHIA asked that all disability income-replacement programs (including sick days and LTD) be “counted” towards employer eligibility for the program. The many steps an employer takes to become recognized as eligible need to be reduced or eliminated. A simple employer attestation be put in place instead of the submission and review of insurance contracts by Service Canada. And that business process improvements to automate eligibility review and confirmation be made to free up resources for both employers and Service Canada.

    ESDC has committed to continue to work with the CLHIA, employers and the insurance industry as they finalize the changes to the Premium Reduction Program.

    Submission to Environment & Climate Change Canada on the National Adaptation Strategy Consultation

    Published on 15/07/2022

    Risk Management Sustainability and Climate Change > Operational Risk Government Monitoring

    On July 15, the CLHIA provided its comments to the federal government on its National Adaptation Strategy. The submission focused on the infrastructure, health and wellbeing, and economy streams of the strategy. Specifically, the CLHIA recommended the federal government:

  • pass the delayed regulations from budget 2018 that are critical to allowing greater private sector investment in sustainable and resiliency-building infrastructure;
  • develop a publicly available pipeline of sustainable and climate-resilient infrastructure projects being built by all levels of government; and
  • structure projects to attract long-term investors.


  • The CLHIA also recommended the development of data sharing mechanisms with the private sector concerning the impacts of climate change on public health.

    Submission to the International Sustainability Standards Board on its proposed disclosure standards

    Published on 29/07/2022

    Sustainability and Climate Change Financial Reporting International > Government Monitoring International Financial Reporting Standards International Monitoring

    On July 29, the CLHIA provided its comments to the International Sustainability Standards Board (ISSB) in response to its consultations on disclosure of sustainability-related financial information (IFRS S1) and climate-related disclosures (IFRS S2). The high-level letter reiterated key positions taken in the Global Federation of Insurance Associations (GFIA) submission, which the CLHIA contributed to, including:

  • sustainability reporting expectations must respect the principles of confidentiality, proportionality, and materiality;
  • collaboration and coordination between the ISSB and jurisdictional standard setters is critical to promote consistency and to reduce overlapping and duplicative reporting requirements; and
  • the ISSB should clarify the difference between “material” and “significant” in the exposure drafts.
  • Submission to the Securities and Exchange Commission on the Enhancement and Standardization of Climate-Related Disclosures

    Published on 28/06/2022

    Risk Management Sustainability and Climate Change International > Operational Risk Government Monitoring International Monitoring

    On June 17, the CLHIA provided its comments to the United States Securities and Exchange Commission (SEC) in response to its notice of proposed rulemaking (NPRM) on the enhancement and standardization of climate-related disclosures for investors. CLHIA members support the SEC’s efforts to encourage disclosure of consistent and comparable climate-related information. The CLHIA members also agree with its current proposal not to amend Form 40-F for Canadian issuers under the multijurisdictional disclosure system (MJDS). This would recognize the significant work underway in Canada to develop and implement climate-related disclosures for Canadian issuers.

    British Columbia 2023 Pre-Budget Consultation

    Published on 24/06/2022

    Group Insurance Pensions and Retirement > Employee benefit plans Employer pension plans

    On June 18, the CLHIA provided recommendations to the British Columbia Legislature’s Select Standing Committee on Finance and Government Services in advance of the province’s 2023 budget. The industry’s recommendations focused on four key areas:

    1. Supporting workplace benefits plans which provide millions of British Columbians with comprehensive access to prescription medicines, dental care and mental health services;
    2. Pension innovation to increase retirement savings and decumulation options for British Columbians;
    3. Increasing private sector investment in sustainable and resiliency-building infrastructure to support the transition to a low-carbon economy and support the health and well-being of British Columbians; and
    4. Supporting an innovative business environment by reducing the tax on health and disability insurance premiums.

    CLHIA welcomes introduction of federal privacy legislation

    Published on 20/06/2022

    Trade & Commerce > Privacy

    Bernard Lord elected CLHIA Chair

    Published on 09/06/2022

    CLHIA Governance > Board of Directors

    The members of the Canadian Life and Health Insurance Association have elected Bernard Lord, Chief Executive Officer of Medavie as Chair of the Board of Directors.

    Mr. Lord became CEO of Medavie in September 2016 to provide strategic leadership and further the company’s mission to improve the wellbeing of Canadians. Prior to this, he served eight years on its board of directors. Mr. Lord was Premier of New Brunswick from 1999 to 2006.

    He is currently the Chair of the International Federation of Health Plans, and the incoming President of the Canadian Association of Blue Cross Plans. He is a Queen’s Counsel and a member of the New Brunswick Law Society and Canadian Bar Association.

    Submission to Alberta College of Pharmacy on draft Practice Standards for Virtual Care

    Published on 24/05/2022

    Group Insurance Prescription Drug Costs > Coordination of benefits Employee benefit plans Drug pricing

    The Alberta College of Pharmacy has developed draft standards of practice for when virtual care can be delivered. Of particular note, section 5 of the draft states that “A determination by an employer, third-party payer or an insurer that compels or provides incentive for virtual care is not a unique circumstance for the purpose of section 3.” In our May 24 submission, the CLHIA recommended the removal of section 5 and that this restriction not be imposed on the provision of virtual care. If left to stand, it would effectively eliminate the provision of virtual care where any incentive might be involved. Incentives are not defined but could be reasonably assumed to include a reduced dispensing fee, the addition of extra services such as those provided by patient support programs, or any other “incentives” offered through preferred provider networks. While incentives are offered by a variety of community pharmacies, this practice standard seems to target virtual pharmacies and to be offside with the current preferences of Albertans to have options for how they obtain pharmacy services.

    Recordings and presentations are now available for the May 4-5 Compliance and Consumer Complaints Virtual Annual Conference

    Published on 10/05/2022

    Compliance Consumers > Culture of compliance Fair treatment of customers (FTC) Compliance trends and developments Complaint Handling

    Exposés et enregistrements de la réunion de printemps de la Section juridique (Québec) de l’ACCAP maintenant affichés

    Published on 27/04/2022

    Insurance > Federal Legislation Provincial & Territorial Legislation

    Submission on Expanding the scope of the VPLAs to enable more Canadians to access retirement income security

    Published on 03/05/2022

    Pensions and Retirement Taxation > Retirement Income System Reviews Wealth & Retirement Federal Taxation

    On May 3, the CLHIA made a submission to the federal Department of Finance calling a broader scope for Variable Payment Life Annuities (VPLAs) that were brought into the Income Tax Act & Regulations (ITA) effective January 1, 2020. The submission argues that a standalone VPLA that can pool funds and longevity risks across members of smaller DC plans, RRSPs, RRIFs, etc., could provide an innovative decumulation solution that would benefit the over 500,000 Canadians retiring each year.

    Saskatchewan Public Engagement on Virtual Care

    Published on 30/04/2022

    Group Insurance > Employee benefit plans

    On April 30, the CLHIA wrote to the government of Saskatchewan to support the continued expansion of virtual care across the province with all health care practitioners, where appropriate. The government should assist disadvantaged and rural populations to access virtual care. The CLHIA submission also shared key insights that the private payer industry has gained through experience during the pandemic.

    Virtual care is an important issue for the insurance industry as we provide access to this type of care through employer sponsored benefit plans. Canadians have access to virtual health care providers including doctors, nurse practitioners, and nurses, enabling them to discuss symptoms, obtain prescriptions, and get referrals to other providers.

    Statement on the implementation of reforms to Patented Medicine Prices Review Board regulations

    Published on 14/04/2022

    Prescription Drug Costs > Drug pricing

    In mid-April, Health Canada announced that changes to patent medicines pricing regulations, already postponed several times, would come into force on July 1, 2022. The changes will allow the Patented Medicine Prices Review Board to use a new list of comparator countries when evaluating drug prices. The CLHIA and the industry have strongly supported this measure that will remove jurisdictions considered high price outliers globally.

    The government opted not to move forward with other measures related to the new price regulatory factors, and requirements to file information net of all price adjustments. The CLHIA issued a statement saying the announcement “represents good news for all Canadians who are currently paying some of the highest drug prices in the world.”

    (Update) Recordings and presentations are available for the April 6 Legal Section Mid-term Meeting virtual event

    Published on 05/04/2022

    Insurance > Federal Legislation Provincial & Territorial Legislation

    The CLHIA Legal Section’s mid-term meeting was held virtually again this year and was well attended by 125 attendees and speakers. The program featured a presentation from FSRA on its priorities for the life and health industry. The agenda also included presentations on federal and provincial regulatory matters, recent insurance and pension cases, and a panel discussion among government relations experts on industry regulation in Canada. A professionalism session focusing on implicit bias was very well received. The Legal Section’s Annual Meeting will be held in-person in The Blue Mountains, Ontario at the Westin Trillium House from Wednesday, September 21 to Friday, September 23.

    New Brunswick 2022 Pre-Budget Consultation

    Published on 28/02/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Policyholder Tax

    On February 28, the CLHIA provided its comments to New Brunswick in advance of its 2022 budget. The CLHIA recommended the government:

  • provide access to affordable prescription drugs and mental health supports through workplace and individual health benefits plans that include reduced costs of and enhanced access to high-cost and rare disease medicines;
  • amend the Pension Benefits Act to enable payroll deduction for pension plan contributions where the pension plan provides for automatic plan enrollment and annual contribution escalation;
  • monitor and parallel federal measures to introduce ALDAs and VPLAs as new retirement income options;
  • amend the provincial Insurance Act in order to modernize the licensing regime and improve consumer protection;
  • leverage the industry’s investment capacity in order to expand and accelerate long-term infrastructure projects by structuring projects to attract long-term investors; and
  • develop a tangible plan to reduce, and eventually eliminate, tax on life and health insurance premiums.
  • 2022 Federal Pre-Budget Submission

    Published on 25/02/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    On February 25, the CLHIA provided its comments to the Department of Finance in advance of the 2022 federal budget. Key recommendations include supporting workplace benefits plans (including a discussion of Employment Insurance reforms and their impacts), enhancing privacy protections, making retirement income more secure, releasing a full set of tax legislative changes to address IFRS 17, and increasing sustainable investing opportunities - including by bringing forward regulations to encourage private investment in infrastructure.

    Submission to the CADTH on Building Toward a Potential pan-Canadian Formulary

    Published on 25/02/2022

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    As part of their work to recommend a national minimum drug formulary for the federal government, the Canadian Agency for Drugs and Technologies in Health (CADTH) has engaged an advisory panel to review and propose processes for creating a list of drugs and related products, as well as best practices for managing a formulary.

    During the consultation period, which ended February 25, CADTH engaged with the insurance industry to understand our unique environment with respect to formulary management. Insurers recommended the formulary working group consider the views of employer-sponsored plans in the development of a national formulary and to draw on the expertise of insurers on it. It was emphasized that private plans cover the costs of a large number of prescription drugs, and that their contributions to workplace productivity and disability management need to be considered in the development of any formulary.

    CADTH will prepare and submit their report with recommendations for consideration by the Canadian Drug Agency later in 2022.

    Submission on the New Brunswick Climate Change Action Plan

    Published on 24/02/2022

    Sustainability and Climate Change > Government Monitoring

    On February 24, the CLHIA provided its comments to New Brunswick on its proposed climate change action plan. The submission focused on the industry’s role as a source of stable capital for infrastructure projects that both mitigate GHG emissions and adapt to the impacts of climate change. It also addressed economic opportunities from transitioning to a resilient, lower carbon economy.

    Newfoundland and Labrador 2022 Pre-Budget Consultation

    Published on 17/02/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    On February 17, the CLHIA provided its comments to Newfoundland and Labrador in advance of its 2022 budget. The CLHIA recommended the government:

  • provide access to affordable prescription drugs and mental health supports through workplace and individual health benefits plans that include reduced costs of and enhanced access to high-cost and rare disease medicines;
  • amend the Pension Benefits Act and the Labour Standards Act to enable payroll deduction for pension plan contributions where the pension plan provides for automatic plan enrollment and annual contribution escalation;
  • monitor and parallel federal measures to introduce ALDAs and VPLAs as new retirement income options and encourage the federal government to permit standalone VPLAs;
  • introduce legislation to provide clarity that the Insurance Act should be applied to all life insurance contracts and to reinforce that insurance premiums must relate to insurance coverage;
  • leverage the industry’s investment capacity in order to expand and accelerate long-term infrastructure projects by structuring projects to attract long-term investors;
  • collaborate with the industry on the issue of lack of supply of sustainable assets for investment; and
  • develop a tangible plan to reduce and align tax on life and health insurance premiums with other provinces and territories.
  • Submission to the Office of the Commissioner of Lobbying of Canada on the Lobbyists’ Code of Conduct

    Published on 17/02/2022

    Government Relations > Lobbyist Registration

    On February 17, the CLHIA submitted its comments on the proposed changes by the Office of the Commissioner of Lobbying of Canada (OCL) to the Lobbyists’ Code of Conduct. In the submission, the industry raised four key issues with the proposed changes, including:

  • Making it clear that lobbying is a legitimate part of our democratic process;
  • Requesting that the existing language on gifting be maintained as the new language is problematic;
  • Altering the language in reference to co-workers in the definition of “close relationships”; and
  • Removing the limits on registerable activities from the proposed language.

  • The comments in the CLHIA submission are consistent with those in the joint submission from the Government Relations Institute of Canada and the Public Affairs Association of Canada.  

    Submission to the Canadian Securities Administrators on Climate-Related Matters

    Published on 16/02/2022

    Sustainability and Climate Change > Government Monitoring

    On February 16, the CLHIA responded to the Canadian Securities Administrators’ consultation on proposed National Instrument 51-107—Disclosure of Climate-related Matters. Canadian life and health insurers support the development of disclosure standards for climate-related risks and opportunities that are aligned with global disclosure standards. Given that standards are coalescing around the Task Force for Climate-related Financial Disclosure’s (TCFD) framework, the industry is pleased that the CSA is taking a similar approach. The industry supports mandatory disclosure of Scope 1 and 2 emissions with Scope 3 emissions on a comply-or-explain basis. At this time we support the deferral of scenario analysis as a reporting requirement until the Office of the Superintendent of Financial Institutions has developed standardized scenario analysis exercises. The submission is also available on the Ontario Securities Commission’s website.

    Life and health insurers to use advanced artificial intelligence to reduce benefits fraud

    Published on 14/02/2022

    Compliance Group Insurance > Fraud risk management Employee benefit plans

    For several years data pooling has been successfully used in P&C insurance and banking with positive outcomes in detecting fraud. On February 14, the CLHIA announced an initiative to enhance the detection and investigation of benefits fraud using data pooling and advanced artificial intelligence.

    Led by the CLHIA and its technology partner Shift Technology, the project uses advanced AI to analyze anonymized claim records from group health insurers. The program will identify patterns across millions of records to enhance the effectiveness of benefits fraud investigations across the industry. This will complement the work insurers are doing to identify and investigate fraud across their own book of business.

    The CLHIA intends for this project to be rolled out and further expanded over the next three years. 

    Statement on CCIR and CISRO announcement on deferred sales charges

    Published on 10/02/2022

    Distribution > Market conduct

    Ontario 2022 Pre-Budget Consultation

    Published on 10/02/2022

    Pensions and Retirement > Employer pension plans

    On February 11, the CLHIA provided its comments to the government of Ontario in advance of its 2022 budget. Key recommendations focused on protecting workplace health benefits, pension innovation (including automatic enrolment and contribution escalation), sustainable investing opportunities and reducing and eventually eliminating the tax on life and health insurance premiums.

    Nova Scotia 2022 Pre-Budget Consultation

    Published on 03/02/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    On February 4, the CLHIA provided its recommendations to Nova Scotia in advance of its 2022 budget. The CLHIA recommended the government:

  • provide access to affordable prescription drugs and mental health supports through workplace and individual health benefits plans that include reduced costs of and enhanced access to high-cost and rare disease medicines;
  • amend the Pension Benefits Act to enable payroll deduction for pension plan contributions where the pension plan provides for automatic plan enrollment and annual contribution escalation;
  • monitor and parallel federal measures to introduce ALDAs and VPLAs as new retirement income options;
  • leverage the industry’s investment capacity in order to expand and accelerate long-term infrastructure projects by structuring projects to attract long-term investors; and
  • develop a tangible plan to reduce, and eventually eliminate, tax on life and health insurance premiums.
  • Manitoba 2022 Pre-Budget Consultation

    Published on 31/01/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    Prince Edward Island 2022 Pre-Budget Consultation

    Published on 24/01/2022

    Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Employee benefit plans Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    On January 24, the CLHIA provided its comments to PEI on key issues in advance of the 2022 budget. The CLHIA recommended the government:

  • provide access to affordable prescription drugs, including high-cost and rare disease medicines, and mental health supports through workplace and individual health benefits plans;
  • enable payroll deduction for pension plan contributions;
  • introduce ALDAs and VPLAs as new retirement income options;
  • expand and accelerate long-term infrastructure projects by structuring projects to attract long-term investors;   reduce, and eventually eliminate, tax on life and health insurance premiums; and
  • modernize its Insurance Act to update and harmonize with other provincial insurance legislation.
  • Alberta 2022 Pre-Budget Consultation

    Published on 21/01/2022

    Government Relations Pensions and Retirement Prescription Drug Costs Taxation > Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax

    On January 21, the CLHIA provided comments to Alberta on key issues in advance of the 2022 budget. The CLHIA recommended the government:

  • provide access to affordable prescription drugs, including high-cost and rare disease medicines, and mental health supports through workplace and individual health benefits plans;
  • introduce ALDAs and VPLAs as new retirement income options;
  • expand and accelerate long-term infrastructure projects by structuring projects to attract long-term investors; and
  • reduce, and eventually eliminate, tax on life and health insurance premiums.
  • Advisory: How does the federal travel advisory affect your travel insurance?

    Published on 20/01/2022

    Group Insurance > Travel insurance

    Submission to the Net-Zero Advisory Body on the Government of Canada’s 2030 emissions reduction plan

    Published on 22/12/2021

    Sustainability and Climate Change > Government Monitoring

    The CLHIA submission to the Net-Zero Advisory Body (NZAB) outlined why the life and health insurance industry values long-term, sustainable infrastructure projects as investments. The NZAB is a permanent advisory group to the federal Minister of Environment and Climate Change created in 2021. Remarking on the advisory body’s lens of “finance and capital mobilization,” our submission noted that life and health insurance industry’s capacity to invest is not matched by available investment opportunities, particularly for infrastructure projects that reduce emissions and promotes resilience.

    Submission to FSRA on its Consultation on an Innovation Framework

    Published on 29/11/2021

    Compliance Distribution > Advisor regulatory requirements Market conduct

    In late October, the Financial Services Regulatory Authority of Ontario (FSRA) launched a consultation on an innovation framework for a more innovative financial services sector in Ontario. It sought views from the industry on guiding principles to provide “test and learn” environments to encourage the development of new technologies. While the focus of the regulator at this point is on the auto insurance sector, the framework will also be used to support innovation in all sectors. In the industry’s response, the CLHIA stresses the importance of ensuring there is a level playing field between new entrants and existing regulated entities. It is important that new entrants are held to the same regulatory standards. The CLHIA also stressed the importance of ensuring any regulatory framework does not slow down innovation. The industry’s response to specific questions in the consultation can be found here.

    Session recordings and select presentations for CLHIA's 2021 Wealth and Retirement Annual Conference are now available

    Published on 18/11/2021

    Pensions and Retirement > Wealth & Retirement

    The CLHIA's virtual Wealth and Retirement Conference was a success. The program which ran on November 17 and 18 featured updates and panel discussions on the economy, product and business trends, and regulatory issues. Over 100 participants from the industry and regulators came together virtually to network and learn. Those who attended can access presentations and session recordings by returning to the virtual event space.  

    This successful event, the fourteenth virtual conference hosted by the CLHIA since the pandemic began, is expected to be the last in this series of on-line events. The CLHIA is planning to return to in-person events in 2022. For more information, visit clhia.ca/events

    Select presentations and on demand videos for CLHIA's 2021 Legal Section Annual Meeting are now available

    Published on 20/10/2021

    Insurance Trade & Commerce > Federal Legislation Provincial & Territorial Legislation Cyber Security Intellectual Property Privacy

    Submission to Employment and Social Development Canada on Reforming Canada’s Employment Insurance Program

    Published on 13/10/2021

    Disability Government Relations > Long term disability Government Monitoring

    The CLHIA responded to a federal consultation on “Reforming Canada’s Employment Insurance  Program.” The consultation proposed expanding the EI benefits (including EI Sickness) from 15 weeks to 26 weeks, and updating the Premium Reduction Program, in which employers and employees participate when a comparable private short-term disability program is provided.  With increasing benefits to 26 weeks, EI Sickness must mitigate the possibility of inadvertently prolonging claims by requiring intermittent medical documentation and providing return-to-work supports.  The PRP requires significant reform to encourage employers to participate, including reducing bureaucratic oversight, increasing benefits for participants and encouraging transparency of requirements. 

    Submission to Employment and Social Development Canada on the Disability Inclusion Action Plan

    Published on 05/10/2021

    Disability Insurance > Long term disability Federal Legislation

    The federal government is planning a multi-faceted approach to modernizing their approach to disability as well as Employment Insurance, EI sickness benefits and the Premium Reduction Program.  This consultation, issued by Employment and Social Development Canada (ESDC), looks at Canadians living with disabilities in the context of four pillars: financial security, employment, disability-inclusive spaces and modernization.  The CLHIA’s submission focused on three strategic considerations: 1) the need for a clear and consistent definition of disability in federal/provincial programs, 2) placing the lens of mental health on all initiatives and 3) looking at additional disability supports within the context of all available programs, including private disability income payments and other health supports. 

    British Columbia 2022 Pre-Budget Submission

    Published on 01/10/2021

    Prescription Drug Costs Insurance Government Relations > Pharmacare Provincial & Territorial Legislation Government Monitoring

    On September 30, the CLHIA provided its comments to the British Columbia Select Standing Committee on Finance and Government Services as part of their consultation on Budget 2022. Among CLHIA’s five recommendations are that the province support workplace and individual drug plans that currently provide millions of residents with comprehensive access to medicine and other health services, and that the province extend automatic features to all capital accumulation plans (voluntary workplace pension and savings plans) where an employer matches contributions.

    Submission to the Canadian Transportation Agency re: Airline Passenger Rights

    Published on 29/09/2021

    Group Insurance > Travel insurance

    On September 29, the CLHIA responded to a Canadian Transportation Agency (CTA) consultation on regulatory changes drawing on lessons learned from the pandemic, including the practice of Canadian airlines issuing travel vouchers for cancelled flights.  The proposed regulations will require that refunds be provided in the form requested by the traveller (e.g. refund, voucher, points, etc.) and that there be strict timeframes and accountability.  As with most APPRs globally, the new legislation will apply to all passenger flights arriving to and departing from Canada, regardless of the country of origin.  The CLHIA recommended that there be consideration given to expanding Passenger Protection Regulations to other forms of transportation such as cruise ships and passenger trains.  In addition, the CTA should look into coordinating approaches and aligning legislation with provincially regulated travel funds to allow consumers easier access to compensation.

    Life and health insurers paid $100 billion to support Canadians through the pandemic, 2020 data shows

    Published on 14/09/2021

    Capital and Assets Group Insurance Pensions and Retirement Prescription Drug Costs Taxation > Long-term investments Coordination of benefits Dental insurance Employee benefit plans Travel insurance Annuities Public pensions (OAS/CPP/QPP/GIS) Employer pension plans Wealth & Retirement Drug pricing Provincial & territorial drug program information Policyholder Tax

    On September 14, the CLHIA released our 2021 Canadian Life and Health Insurance Facts

    Using 2020 industry data, this year’s edition shows the remarkable resilience of life and health insurers’ products through the first nine months of the COVID-19 pandemic. 

    Among the key facts in this edition are that life and health insurers paid out: 

  • over $12 billion in claims for prescriptions drugs;
  • $950 million in travel insurance claims – largely for trip cancellations;
  • $420 million in psychology-related claims to support mental health – up nearly a quarter from 2019; and
  • $154 million in life insurance claims from deaths related to COVID-19.


  • In addition, 26 million Canadians had access to health benefits at the end of 2020 – the same as before the pandemic. 

    Read this year’s edition online or download it at clhia.ca/facts

    Submission to the Ontario Ministry of Government and Consumer Services on Modernizing Privacy in Ontario

    Published on 07/09/2021

    Government Relations Trade & Commerce > Government Monitoring Privacy

    On September 7, the CLHIA provided its comments to the Ontario Ministry of Government and Consumer Services on its white paper Modernizing Privacy in Ontario: Empowering Ontarians and Enabling the Digital Economy. In our submission, we stressed the need for private sector privacy legislation to be harmonized across Canada. The industry believes a new privacy framework in Ontario is not needed. The submission urged that modernization be coordinated with the federal government’s privacy framework. However, we recommended that if the province chooses to introduce its own privacy legislation, it focus on those areas not captured by the federal regime.

    Statement on federal election taxation announcement

    Published on 25/08/2021

    Taxation > Provincial and Territorial Taxation

    Advisory: Potential changes to eye exam coverage under the Ontario Health Insurance Plan (OHIP) effective September 2021

    Published on 12/08/2021

    Group Insurance Health Care Policy Insurance Consumers > Employee benefit plans CLHIA Health Care Policy Papers Provincial & Territorial Legislation

    Submission to the Department of Finance Consultation on Tax Implications of International Accounting rules for Insurance Contracts (IFRS 17)

    Published on 12/08/2021

    Financial Reporting > International Financial Reporting Standards

    On July 30, the CLHIA responded to Finance Canada’s public consultation on the tax implications of moving to IFRS 17. While the CLHIA is pleased that IFRS 17 will be the starting point for tax reporting, we strongly opposed the proposal to disallow the deduction of Contractual Service Margin (CSM) at transition and on new business. The CLHIA stressed that the proposal will have a material impact on our members and is not consistent with the core tax principle of taxing profits when they are earned. The fundamental argument in the CLHIA’s submission is that CSM represents unearned profit and so should be deductible for tax purposes. This is aligned with the IASB’s recognition criteria.

    The CLHIA has had number of meetings with Finance Canada officials to discuss the proposed tax policy and we have established bi-weekly meetings with Finance through the fall on this matter.

    The CLHIA also separately submitted technical considerations to Finance as they look to develop legislation.

    Statement on federal support for public drug plans in Prince Edward Island

    Published on 11/08/2021

    Prescription Drug Costs > Pharmacare

    CLHIA Submission to the Standing Committee on Finance 2022 Pre-Budget Consultation

    Published on 06/08/2021

    Capital and Assets Group Insurance Health Care Policy Prescription Drug Costs Pensions and Retirement > Long-term investments Minimum Continuing Capital and Surplus Requirements Employee benefit plans Drug pricing Pharmacare Employer pension plans

    On August 6, the CLHIA made its submission to the House of Commons Standing Committee on Finance in response to its 2022 pre-budget consultation. The CLHIA made six recommendations, notably calling on the federal government to: work collaboratively with provincial and territorial governments and private insurers to support workplace and individual drug plans that currently provide millions of Canadians with comprehensive access to medicines; expeditiously move ahead with Bill C-11; and develop policies and bring forward regulations to encourage private sector investment in infrastructure.

    Submission to the BC Special Committee to Review the Personal Information Protection Act

    Published on 05/08/2021

    Trade & Commerce > Privacy

    On July 30, the CLHIA provided its written comments to the British Columbia Special Committee to Review the Personal Information Protection Act (PIPA). The submission highlighted that protecting the confidentiality of personal information is crucial to maintaining public confidence in our industry. We noted that the CLHIA and its members are keen to work with the government to put in place a robust, coherent regulatory framework that will protect consumers while promoting innovation and a dynamic insurance market in British Columbia and across Canada. The CLHIA also provided an oral statement to the Special Committee on July 6.

    Response to British Columbia’s Consultation on its Climate Preparedness and Adaptation Strategy

    Published on 05/08/2021

    Sustainability and Climate Change > Government Monitoring

    On August 12, the CLHIA responded to the Government of British Columbia’s Climate Preparedness and Adaptation Strategy, Draft Strategy and Phase 1 Actions for 2021-22. The draft strategy made the explicit connection between the climate and the physical, social, economic and mental health and well-being of Canadians. The CLHIA commended the government’s decision to establish a new BC Climate Action Secretariat to increase understanding of climate risks through improved data, monitoring and forecasting. The CLHIA also highlighted the industry’s role as a source of stable capital for sustainable infrastructure projects.

    Response to the Nova Scotia Climate Change Plan for Clean Growth: Discussion Paper

    Published on 30/07/2021

    Sustainability and Climate Change > Government Monitoring

    On July 30, the CLHIA responded to the Government of Nova Scotia’s Climate Change Plan for Clean Growth: Discussion Paper. The submission highlighted the industry’s ability to provide a stable source of capital for sustainable infrastructure projects.

    Submission to Canada’s First Public Engagement on a National Infrastructure Assessment

    Published on 30/07/2021

    Capital and Assets > Long-term investments

    On July 30, the CLHIA responded to Infrastructure Canada’s discussion paper Building the Canada we Want in 2050: Engagement Paper on the National Infrastructure Assessment. CLHIA’s submission highlighted the industry’s role as a source of stable, long-term capital for infrastructure, including projects which support Canada’s transition to a lower carbon economy. It recommended that regulators examine infrastructure as an investment category and, where appropriate, adjust prudential standards to reflect the lower risk of investments in high-quality infrastructure. It also recommended that the Office of the Superintendent of Financial Institutions carefully review the Life Insurance Capital Adequacy Test (LICAT) for any undue barriers that may be built into the framework.

    Submission to the Ontario Ministry of Finance and FSRA regarding the Fraud and Abuse Strategy for the Auto Insurance Sector

    Published on 19/07/2021

    Compliance Insurance > Fraud risk management Federal Legislation

    On July 19, the CLHIA responded to a Ministry of Finance and Financial Services Regulatory Authority of Ontario (FSRA) consultation on a fraud and abuse strategy for the auto insurance sector. While this consultation was focused on auto insurance, development of such a strategy is of importance to life and health insurers. Many of the clinics and providers that may engage in fraudulent auto claims also provide care to Ontarians with private health insurance coverage and so our industry is also exposed. The industry believes it is critical that any new anti-fraud regime cover the entire insurance industry. Focusing on auto insurance and excluding life and health from any new regime will result in fraudsters targeting life and health insurance claims and may not result in a reduction in overall fraud.

    Submission regarding PMPRB's Guideline Monitoring and Evaluation Plan

    Published on 07/07/2021

    Group Insurance Insurance Prescription Drug Costs

    CLHIA Comments on FSRA financial professionals title protection rule and guidance

    Published on 21/06/2021

    Distribution > Advisor regulatory requirements Market conduct

    On June 21, the CLHIA made a submission supporting the overall objective of FSRA’s title protection rule and guidance. The submission raised concerns and sought clarification in certain areas, specifically that the rule clearly allow the term “advisor” in the context of life and health insurance distribution.  Additionally, we followed up with FSRA’s response to our first submission that noted that the LLQP training, and being subsequently life licenced, would not exempt advisors from having to acquire an additional credential to use the Financial Advisor (FA) title.  Our submission sought to better understand what the training gaps are, and what paths (e.g., top-up courses) may be required to address them.  Further, we noted that the policy objectives of creating a credentialing framework overlap with the current licensing regime, particularly, those that relate to training and oversight.  Additionally, we indicated our concern about fees, and the costs to new entrants.  The CLHIA will continue to engage with FSRA on this initiative, including a third consultation that will focus on fees, which is expected over the summer.   

    Submission to the Government of Saskatchewan on the Consultation on a Review of the Pension Funding Framework for Single Employer Defined Benefit Plans in the Private Sector and Other Complementary Reform Measures Applicable to all Defined Benefit Plans

    Published on 16/06/2021

    Pensions and Retirement > Employer pension plans

    On June 11, the CLHIA responded to the Financial and Consumer Affairs Authority of Saskatchewan’s “Review of the Pension Funding Framework for Single Employer Defined Benefit Plans in the Private Sector and Other Complementary Reform Measures Applicable to All Defined Benefit Plan,” released on March 23. The CLHIA commended the Government of Saskatchewan for its actions in examining issues related to solvency funding, restrictions on contribution holidays, and annuity discharge provisions. 

    Advisory: Refunds from travel providers will affect travel cancelation insurance claims and payouts

    Published on 11/06/2021

    Group Insurance > Employee benefit plans

    As Canadian airlines have begun to refund customers for cancelled trips, the CLHIA issued a public advisory helping consumers understand the steps they should take if they have already received reimbursement from a travel insurer for the same expense.

    CLHIA Federal Submission on Targeted Infrastructure Investment

    Published on 26/05/2021

    Capital and Assets > Long-term investments

    Recently, the House of Commons Standing Committee on Transportation, Infrastructure and Communities held hearings on the topic of targeting infrastructure investment to achieve social, economic and environmental outcomes. The CLHIA made a submission to the committee highlighting the industry’s ability to make significant, long-term investments in infrastructure and sustainable assets. 

    Submission to the Financial Services Regulatory Authority of Ontario (FSRA) on the Proposed Guidance: Administration of Pension Benefits Upon Marriage Breakdown

    Published on 04/05/2021

    Pensions and Retirement > Employer pension plans

    On May 3, the CLHIA made a submission to the Financial Services Regulatory Authority of Ontario (FSRA) on the proposed “Interpretation and Approach Guidance regarding the processes for the valuation and division of pensions upon marriage breakdown,” released March 18. The CLHIA commended FSRA’s role in providing the industry with a comprehensive and current guide on the processes for the valuation and division of pensions on marriage breakdown.

    Submission to the Government of Canada on Possible Accession to the Digital Economy Partnership Agreement

    Published on 03/05/2021

    Insurance International > Federal Legislation International Trade

    The CLHIA provided its views to the federal government on Canada’s possible accession to the Digital Economy Partnership Agreement (DEPA). The agreement’s current signatories include Chile, New Zealand, and Singapore. Given the  importance  of  the  digital  economy  to the international  operations  and  the economic  success of some insurers, we note in our submission that the industry supports Canada’s accession to the DEPA. Further, we encouraged the government to consider expanding the provisions in the DEPA to include financial services. The full submission can be found here

    Submission to the New Brunswick Health Council on its healthcare system review

    Published on 30/04/2021

    Health Care Policy > Business continuation / pandemic planning Long-term Care

    On April 30, the CLHIA responded to a New Brunswick government consultation on its healthcare system review, which included a discussion paper detailing the challenges that the public system currently faces. This includes an aging population, hospitals providing care to individuals better served outside of hospital and a lack of family physicians.  Over the month of April the government engaged New Brunswickers and other stakeholders in the review.  The CLHIA provided suggestions around three areas of mutual interest, including New Brunswickers who are under-insured or not insured for prescription drug coverage, expanding access to virtual healthcare and, lastly, providing appropriate access to mental healthcare.

    Consultation on The Professional Supervision of Osteopaths

    Published on 30/04/2021

    Group Insurance > Regulated professions

    On April 30, the CLHIA responded to a consultation by the Office des professions du Québec on the professional supervision of osteopaths in Quebec. The consultation’s primary aim was to identify osteopaths’ scope of practice and reserved acts, the reservation of a professional title and the creation of a separated order. The CLHIA’s response did not address the proper scope of practice per se, since other associations and health care providers can be expected to deal with this in their own submissions. Rather, our comments focused on considerations for creating and implementing an osteopath order, including public awareness; a code of conduct; ethics and accountability; training and ongoing education; a registry and memberships; and pricing and billing guidelines. We also advocated for a clear cut-off date by which members must be registered and comply with the regulatory body in order to legally be allowed to perform osteopathy in Quebec.

    Submission to the Government of Saskatchewan on the Consultation on Financial Hardship Unlocking from a Locked-in Retirement Account

    Published on 30/04/2021

    Pensions and Retirement > Registered Products (RRSP, LIRA, RRIF)

    On April 6, the CLHIA made a submission to the Financial and Consumer Affairs Authority of Saskatchewan on amendments to the Pensions Benefits Act, 1992 released on March 11, 2021 regarding the unlocking of locked-in pension benefits. The submission, while recognizing the importance of considering an array of policy levers to assist Canadians experiencing financial pressures, stated the priority should be to preserve funds in pension plans in order to provide secure, adequate, post-retirement income.  A main recommendation was to limit withdrawals from locked-in pension funds to a set of specified purposes with required supporting documentation. Further, the CLHIA urged the province to consider harmonizing legislation for unlocking with other provinces that have introduced similar provisions, such as Alberta.

    Newfoundland and Labrador 2021 Pre-Budget Submission

    Published on 30/04/2021

    Health Care Policy Capital and Assets Pensions and Retirement > Generic drug pricing Long-term investments Pooled registered pension plans/PRPPs (and provincial variations)

    On April 30, the CLHIA made recommendations to the Government of Newfoundland and Labrador in advance of its 2021 budget. The submission highlighted the need to support workplace and individual drug plans that currently provide hundreds of thousands of residents with comprehensive access to medicines; encourage private sector investment in sustainable assets and long-term infrastructure projects; and support a dynamic and innovative business climate by reducing and eventually eliminating the five per cent tax on life, health and disability premiums, which is the highest in Canada.

    Submission to the Government of Canada on future trade with the United Kingdom

    Published on 28/04/2021

    International > International Trade

    The CLHIA provided its views to the Government of Canada on an anticipated free trade agreement with the United Kingdom and its possible accession to the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP). Canadian insurers have significant operations within the UK and sell a wide range of life and health insurance products within the nation. Our submission notes that the industry supports entering into a free trade agreement with the UK and its accession to the CPTPP to strengthen the long-standing trade relationship with the UK. The full submission can be found here.

    The OECD Roadmap for the Good Design of Defined Contribution Retirement Savings Plans

    Published on 14/04/2021

    Pensions and Retirement > Employer pension plans

    On April 14, the CLHIA responded to the Organization for Economic Cooperation and Development’s revised Roadmap on “Good Design of Defined Contribution Retirement Savings Plan,” released on March 4. The CLHIA commended the OECD for initiating the review and consultation with interested stakeholders to maintain and improve defined contribution plans for flexible design, education, and communication. Ensuring retirement income adequacy through the accumulation and decumulation phases with innovative plan design that considers age and socioeconomic considerations is essential to retirement income security.

    Submission to the Government of Canada on its Consultation on a National Strategy for High-Cost Drugs for Rare Diseases

    Published on 29/03/2021

    Prescription Drug Costs > Drug pricing

    On March 29, the CLHIA submitted its views to the Government of Canada on its consultation on a national strategy for high-cost drugs for rare diseases. The submission provides comments on how to address key issues in the government’s discussion paper, including improving patient access, evidence-based decision making and sustainability for an effective rare disease strategy. It also presents risk and cost sharing approaches that include private payers. These approaches will minimize impacts to patients and ensure the sustainability of the program over time.  

    CLHIA welcomes favourable ruling from Saskatchewan Court of Appeal for life insurers

    Published on 10/03/2021

    Insurance > Provincial & Territorial Legislation

    On March 10, the Saskatchewan Court of Appeal ruled on litigation initiated by Atwater Investment LP, Ituna Investments LP and Mosten Investment LP that targeted several life insurance companies. These investment companies had sought to deposit unlimited amounts into universal life insurance policies they had acquired. The Court of Appeal held that a 2018 Saskatchewan government regulation which said life insurers are not permitted to accept deposits unrelated to insurance coverage prevents them from accepting amounts beyond that which may be required for insurance purposes. The CLHIA welcomed the decision as supporting a regulatory framework that protects consumer interests. 

    STATEMENT
    Know the facts: Getting the vaccine will not affect your insurance coverage

    Published on 08/03/2021

    Group Insurance > Employee benefit plans

    Consultation on Optometrists Profession Regulation

    Published on 01/03/2021

    Group Insurance Insurance > Provincial & Territorial Legislation

    On March 1, the CLHIA responded to an Alberta Health Services (AHS) consultation on a proposal from the Alberta College of Optometrists to expand the scope of practice to include some procedures currently allowed within the ophthalmology scope only. The CLHIA emphasized that allowing optometrists to deliver certain surgical, laser and other procedures that can be delivered in the office of the optometrist would result in these services being defunded from the AHS, as optometrists’ are not covered by the public plan. The CLHIA advised the AHS that private plans would be unlikely to cover these types of services under the vision care benefit, as this is typically reserved for lenses and frames. Therefore, these services would need to be paid by Albertans themselves. 

    Submission to the Canadian Transportation Agency in response to the Public Consultation on the Development of New Airline Refund Requirements

    Published on 01/03/2021

    Insurance > Federal Legislation

    On March 1, the CLHIA responded to a Canadian Transportation Agency (CTA) consultation on proposed changes to the Air Passenger Protection Regulations as a result of the experience with trip cancellations and interruptions due to the COVID-19 pandemic. While the proposed changes will not be retroactive, the CLHIA pointed out the dissatisfaction many Canadians have expressed with having received a voucher. Any government funding paid to the airlines should come with a stipulation that airlines must reimburse consumers so-affected. In Canada, the CTA has allowed airlines to issue vouchers for credit instead of full refunds.  In other jurisdictions such as the United Kingdom, Europe and the US, tighter regulations have required refunds and stipulate the turnaround time, as well as other requirements. 

    CLHIA opens Western Canada government affairs office

    Published on 23/02/2021

    CLHIA Governance > Staff

    CLHIA Budget 2021 Submission to the Department of Finance

    Published on 22/02/2021

    Capital and Assets Health Care Policy Pensions and Retirement Prescription Drug Costs Trade & Commerce > Long-term investments Retirement Income System Reviews Drug pricing Pharmacare Privacy

    On February 21, the CLHIA made its submission to the federal government in advance of budget 2021, including seven recommendations. In addition to long-standing recommendations such as supporting workplace and individual drug plans and eliminating the capital tax on Canadian financial institutions, this year the CLHIA also recommended the establishment of a 20-year federal debt instrument in order to aid in economic recovery.  The submission also urges the government move ahead expeditiously with Bill C-11 to ensure a modernized and coherent regulatory framework across Canada.

    Submission to the Canadian Government on a Possible Economic Partnership Agreement with Indonesia

    Published on 22/02/2021

    International > International Trade

    On February 22, the CLHIA provided its views to the government of Canada on a possible comprehensive economic partnership agreement with Indonesia. Given the international operations of the industry and its presence in Indonesia, the industry is supportive of entering into such an agreement with the country. The submission highlighted key issues that need to be considered as part of the economic partnership agreement, including further opening the Indonesia market to foreign investment and the free flow of data across borders. The full submission can be found here.

    Manitoba 2021 Pre-Budget Submission

    Published on 18/02/2021

    Government Relations > Government Monitoring

    On February 18, the CLHIA made its submission to the Manitoba 2021 pre-budget consultation. The document makes five recommendations including those geared towards protecting workplace and individual health benefits and removing tax disincentives on insurance. 

    Ontario 2021 Pre-Budget Submission

    Published on 11/02/2021

    Insurance > Provincial & Territorial Legislation

    On February 11, the CLHIA submitted its recommendations to the government of Ontario in advance of its 2021 budget. The submission made seven recommendations including supporting access to affordable prescription drugs, protecting vulnerable Ontario seniors from financial exploitation and reducing and eventually eliminating the retail sales and premium taxes on life and health insurance.

    New Brunswick 2021-22 Pre-Budget Consultation

    Published on 11/02/2021

    Insurance > Provincial & Territorial Legislation

    On February 11, the CLHIA made its submission to the government of New Brunswick in advance of its 2021 budget. The submission made seven recommendations including supporting access to affordable prescription drugs, modernizing the agent licensing regime and prohibiting self-insured employer long-term disability benefits. 

    Letter to Ontario MPPs Re: Bill 219, Life Settlements and Loans Act

    Published on 25/01/2021

    Insurance > Provincial & Territorial Legislation

    Prince Edward Island 2021 Pre-Budget Submission

    Published on 22/01/2021

    Government Relations Insurance > Government Monitoring Provincial & Territorial Legislation

    On January 22, the CLHIA submitted its comments to the Prince Edward Island government in advance of its 2021 budget. The submission made five recommendations including supporting access to affordable prescription drugs, pension innovation to provide more secure retirement income options and removing tax disincentives on insurance. 

    GFIA highlights insurance industry cyber-awareness initiatives

    Published on 21/01/2021

    International > Network of Insurance Associations

    CLHIA's submission to the Ontario Low-Carbon Hydrogen Strategy Consultation

    Published on 18/01/2021

    Sustainability and Climate Change > Government Monitoring

    On January 18, the CLHIA submitted its comments to the Ontario Ministry of Environment, Conservation and Parks in response to its consultation on the development of a low-carbon hydrogen strategy. The submission highlighted the industry’s support for the government creating new opportunities for investment in sustainable, long-term infrastructure assets. 

    Submission to the Department of Finance on Federally Regulated Private Pension Plans

    Published on 18/01/2021

    Pensions and Retirement > Employer pension plans Retirement Income System Reviews

    On January 14th, the CLHIA made its submission to a Finance Canada consultation on “Strengthening Canadians’ Retirement Security – Proposals to Support the Sustainability of and Strengthen the Framework for Federally Regulated Private Pension Plans.” The submission commended the department for initiating this consultation on the security and governance of Canada’s pension plans.  However, it also proposed some enhancements to the proposal to ensure that they are workable and provide necessary retirement income security so that Canadians may retire with confidence: 

  • Broadening the scope of VPLAs to enable viable risk solutions to be manufactured and managed effectively and competitively
  • Supporting the department’s temporary solvency funding relief to plan sponsors to mitigate the impacts of the pandemic on businesses while balancing retirees’ interests 
  • Harmonization of governance policies and best practices across Canada help ease administration burden. 
  • CLHIA submission to Nova Scotia in response to the 2021-22 Pre-Budget Consultation

    Published on 18/12/2020

    Taxation Pensions and Retirement Prescription Drug Costs Group Insurance > Provincial and Territorial Taxation Policyholder Tax Annuities Employer pension plans Drug pricing Generic drug pricing Provincial & territorial drug program information Employee benefit plans

    On December 18, the CLHIA submitted its recommendations to the Government of Nova Scotia in advance of its 2021 budget. The submission focuses on supporting access to affordable prescription drugs, pension innovation, removing tax disincentives on insurance, enhancing infrastructure investment opportunities and impacts of climate change on the industry.

    CLHIA becomes supporter of United Nations initiative on sustainable insurance

    Published on 15/12/2020

    International > International Monitoring

    Prince Edward Island becomes fifth province to update insurance act

    Published on 11/12/2020

    Insurance > Provincial & Territorial Legislation

    Advancing the sustainable agenda: Perspectives on insurers’ capacity as sustainable investors

    Published on 09/12/2020

    International > Network of Insurance Associations

    The global insurance industry is committed to contributing to collective efforts to make the global economy more sustainable. Aside from their efforts to enhance adaptation and the mitigation of climate risks, insurers also contribute through their role as investors in sustainable assets. In December, the Global Federation of Insurance Associations (GFIA) published a paper, Advancing the sustainable agenda: Perspectives on insurers’ capacity as sustainable investors. The CLHIA participated in the GFIA Climate Change Working Group responsible for drafting the paper.

    CLHIA submission to Alberta re: 2021 pre-budget consultations

    Published on 01/12/2020

    Government Relations > Government Monitoring

    On December 1, the CLHIA submitted its recommendations to the Government of Alberta in advance of its 2021 budget. The submission focuses on supporting access to affordable prescription drugs, pension innovation, removing tax disincentives on insurance and enhancing infrastructure investment opportunities.

    Advisory: Understanding your medical insurance options for travel outside Canada

    Published on 25/11/2020

    Group Insurance > Travel insurance

    Statement: CLHIA comments on the 2020 Ontario Budget

    Published on 05/11/2020

    Government Relations > Government Monitoring

    CLHIA welcomes final guidelines to keep prescription medications affordable

    Published on 23/10/2020

    Prescription Drug Costs > Catastrophic drug coverage Drug pricing Generic drug pricing

    2020 Ontario Fall Budget Submission

    Published on 16/10/2020

    Distribution Prescription Drug Costs > Advisor regulatory requirements Market conduct Sales practices Drug pricing Provincial & territorial drug program information Pharmacare

    On October 16, the CLHIA submitted its recommendations to Ontario’s Minister of Finance in advance of the Ontario’s 2020 budget. The submission focused on protecting group health benefits plans, increasing access to prescription medications, pension innovation, reducing premium taxes and financial titling. The submission generated interest from several media outlets including Benefits Canada.

    Submission to the Competition Bureau of Canada regarding Digital Transformation of the Health Care Sector

    Published on 09/10/2020

    Health Care Policy > Business continuation / pandemic planning

    The Competition Bureau of Canada consulted with stakeholders and Canadians regarding the barriers encountered when seeking health care virtually. Initially when the pandemic and states of emergency were declared back in March 2020, most non-emergency health care stopped. Soon after health care providers moved to offering virtual care wherever possible and insurers worked to understand what care could be provided effectively through virtual means. Among the areas impacted were health claims adjudication, including dental and prescription drugs; prior-authorizations and disability assessments where prescribers no longer provide “observed” criteria but rather “patient-reported” outcomes from a virtual consultation; and virtual rehabilitation programs for those on disability. The CLHIA’s submission makes a number of recommendations in the area of virtual care. First, regulatory colleges must move quickly to put regulations in place regarding virtual care scope of practice with consistency amongst jurisdictions being a prime goal. There needs to be documentation and reporting standards developed to ensure transparency regarding the services provided virtually. Other barriers to consider include privacy concerns, security of technology, linguistic challenges along with other more structural barriers.

    Submission to the Ontario Ministry of Government and Consumer Services regarding Private Sector Privacy Reform

    Published on 30/09/2020

    Trade & Commerce > Privacy

    On September 30, the CLHIA submitted its comments in response to the government’s discussion paper “Ontario’s Private Sector Privacy Reform: Improving private sector privacy for Ontarians in a digital age.” The CLHIA recommended that Ontario wait until the federal government introduces its updates to the Personal Information Protection and Electronic Documents Act (PIPEDA) before implementing any private sector privacy reforms.

    CLHIA Submission on Bill 64: An Act to modernize legislative provisions as regards the protection of personal information

    Published on 25/09/2020

    Trade & Commerce > Privacy

    On September 25, the CLHIA submitted its views to the Government of Quebec regarding Bill 64, An Act to modernize legislative provisions as regards the protection of personal information. CLHIA’s submission outlines the industry’s concerns with how the provisions of the bill differ significantly from other existing privacy legislation in Canada as well as concerns with how the bill will impede on the free flow of data across borders. Further technical comments on the legislation are also provided.

    Statement: Prescription drug benefits have remained resilient during COVID-19

    Published on 16/09/2020

    Prescription Drug Costs Group Insurance > Provincial & territorial drug program information Employee benefit plans

    Life and health insurers made a record $103 billion in benefits payments in 2019

    Published on 15/09/2020

    Group Insurance Health Care Policy Prescription Drug Costs Taxation Capital and Assets > Coordination of benefits Dental insurance Employee benefit plans Travel insurance Generic drug pricing Drug pricing Provincial & territorial drug program information Provincial and Territorial Taxation Policyholder Tax Long-term investments

    Global Federation of Insurance Associations (GFIA) releases new position paper on climate adaptation and mitigation

    Published on 03/09/2020

    International > International Monitoring Network of Insurance Associations

    On September 3, GFIA released a position paper outlining the role insurers around the world can play in adapting to and mitigating the impacts of climate change. The position paper was drafted in consultation with GFIA’s Climate Change Working Group, which the CLHIA participates in.

    Letter to Alberta Health re: "Proposals to Amend the Health Professions Act to Improve Regulatory Effectiveness and Efficiency"

    Published on 18/08/2020

    Group Insurance > Regulated professions

    On August 18, the CLHIA responded to a consultation on the proposed modernization of Alberta’s Health Professions Act, which governs 28 regulated professions within 25 regulatory colleges. The CLHIA commented on six of the proposals, largely supporting the recommendations, while offering suggestions about a central registry and the complaints and discipline process. The objectives of modernization include enhancing governance and discipline in the professions, increasing transparency to Albertans and enhancing provisions for engagement and collaboration, amongst others. Some of the ways that the government proposes to achieve their objectives include separating all associations from their corresponding college, establishing separate government or oversight bodies for registries of providers as well as for the complaint process, and reducing the numbers of colleges. This means combining regulatory colleges, such as a college for oral health professionals that would govern dental hygienists, denturists, dentists and dental assistants. Combining colleges is expected to make regulation easier and reduce duplication of resource requirements.

    Letter to BC PIPA regarding the review of the Personal Information Protection Act

    Published on 10/08/2020

    Trade & Commerce > Privacy

    On August 10, the CLHIA submitted a letter to the BC Legislature’s Special Committee to Review the Personal Information Protection Act (PIPA) which highlighted the life and health insurance industry’s views on several key issues with the current legislation. The letter covers disclosure of personal information without consent in the context of fraud, privacy breach notification, access rights involving medical information, access rights used for litigation purposes, and cross-border data flows. It also reinforced the importance of PIPA remaining substantially similar to the federal Personal Information Protection and Electronic Document Act (PIPEDA) and to maintain adequacy status in relation to the EU’s General Data Protection Regulation (GDPR).

    2021 Pre-Budget Submission to the House of Commons Standing Committee on Finance

    Published on 06/08/2020

    Capital and Assets Group Insurance Health Care Policy Prescription Drug Costs > Long-term investments Coordination of benefits Employee benefit plans Pharmacare

    On August 6, the CLHIA provided the life and health insurance industry’s recommendations for the 2021 Federal Budget to the House of Commons Standing Committee on Finance. The CLHIA highlighted the need to implement changes to the Patented Medicine Regulations as planned on January 1, 2021, the industry’s wish to work with the government as it updates its privacy legislation to ensure a balanced approach between an individual’s right to control their personal information, and the need to maintain a vibrant and sustainable insurance market, among other recommendations.

    Submission to the Patented Medicine Prices Review Board on the proposed draft guidelines

    Published on 05/08/2020

    Prescription Drug Costs > Drug pricing Pharmacare

    PMPRB Consultation On August 5, the CLHIA responded to the June 20 Patented Medicines Pricing Review Board (PMPRB) consultation on its revised draft guidelines. The Guidelines will support the government’s implementation of the amended Patented Medicines Regulations planned for January 1, 2021. The CLHIA continued to provide the industry’s support for the planned reforms. We indicated that in our view, the proposed changes strike the right balance between reducing the high cost of prescription drugs in Canada, while also continuing to ensure Canadians have access to affordable and necessary medications. We also reinforced the importance of moving forward as planned on January 1, 2021 without further delays. CLHIA will continue to monitor for any updates. The final guidelines are expected to be available in the next few months in preparation for the January 1 implementation.

    Advisory: Planning out-of-country travel? Make talking with your insurer part of your plans

    Published on 07/07/2020

    Group Insurance > Travel insurance

    Given the federal government’s global "avoid all non-essential travel" advisory, individual insurance for non-essential travel purposes is not being sold. The closure of the US border remains in effect until at least September 21. Despite these measures, some international destinations such as the European Union have reduced or eliminated travel restrictions for Canadians. Canadian businesses involved in the travel industry, such as airlines, are putting tremendous pressure on the Canadian government to lift travel restrictions.

    Given this situation and the fact that travelling Canadians may not be aware of the questions that they should ask before making arrangements, the CLHIA and its members have put together a consumer advisory with questions and considerations for Canadians to think about or reach out to their insurer with. There is a communication plan for social media to distribute to other stakeholders such as CCIR, and to circulate to media. This advisory will remain evergreen as the situation with respect to travel continues to evolve.

    Submission to OSC re 52-112 Non-GAAP and other Financial Measures Disclosure

    Published on 29/06/2020

    Capital and Assets Financial Reporting > Securities Generally Accepted Accounting Principles (GAAP)

    On June 29, the CLHIA responded to a consultation issued by the Canadian Securities Administrators (CSA) on the proposed National Instrument 52-112 Non-GAAP and Other Financial Measures Disclosures that lays out guidance for reporting issuers to follow when disclosing non-GAAP and other financial measures in published documents. While we support the overall goal of the proposed instrument to provide high quality financial information to the users of published financial reports, the CLHIA provided some specific recommendations to enhance the clarity of the final standard and lower the compliance burden on our members that will be impacted by the proposed instrument.

    2021 British Columbia Pre-Budget Submission

    Published on 24/06/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare

    On June 25, the CLHIA shared the life and health insurance industry’s recommendations for the 2021 British Columbia budget with the province’s Select Standing Committee on Finance and Government Services. Recommendations notably included: supporting workplace and individual drug plans that currently provide millions of B.C. residents with comprehensive access to prescription drugs; leveraging the industry’s investment capacity to accelerate long-term infrastructure projects; creating more opportunities for insurers to invest in assets that meet sustainability goals; and reducing and eventually eliminating the premium tax on life and health insurance premiums.

    Advisory: Health Protection Standards for Paramedical Lab Testing for Insurance During COVID-19

    Published on 09/06/2020

    Risk Management > Underwriting

    In response to provinces that are beginning to resume non-emergency health services, the CLHIA issued an advisory on June 9 to raise awareness of paramedical lab testing for insurance. Life and health insurers are urging governments and providers to ensure appropriate health protection standards are met to protect the health and safety of our clients and the broader community.

    CLHIA Submission on the Canada Emergency Wage Subsidy Program

    Published on 04/06/2020

    Government Relations > Government Monitoring

    On June 4, the CLHIA shared the life and health insurance industry’s views on the Canada Emergency Wage Subsidy (CEWS) program with the federal government. The CLHIA supports the CEWS and believes it is crucial to help sustain the employer-employee linkage during the COVID-19 pandemic. The CLHIA highlighted that there continues to be uncertainty over the eligibility criteria among some of our members and that more clarity and useful FAQs would be helpful.

    Jean-François Chalifoux elected as CLHIA Chair

    Published on 08/06/2020

    CLHIA Governance > Board of Directors

    The members of the Canadian Life and Health Insurance Association have elected Jean-François Chalifoux, Chief Executive Officer of SSQ Insurance as Chair.

    Founded in 1944, SSQ Insurance is now one of the largest insurance companies in Canada, with $13 billion in assets under management.

    Jean-François holds a bachelor's degree in actuarial sciences from Laval University, is a Fellow of both the Canadian Institute of Actuaries and the Casualty Actuarial Society, and is a graduate of the Queen’s Executive Development Program. Prior to joining SSQ Insurance in 2015, he held several executive roles with major Canadian insurance companies.

    Letters to BC Government Re: Medical lab tests for insurance applications

    Published on 29/05/2020

    Risk Management > Underwriting

    The CLHIA sent letters to the Minister of Health and the Minister of Finance in British Columbia with respect to paramedical lab testing for insurance applications. The letters were in response to concerns raised publicly by an advisor in that province criticizing the industry for our approach to accepting test results during COVID-19. The CLHIA advised the Ministers of some temporary changes that have been immplemented since COVID-19 with respect to insurance applications and steps taken by member companies to ensure Canadians continue to receive insurance coverage.

    Statement: Update on Canada’s life and health insurers’ response to COVID-19

    Published on 01/05/2020

    Group Insurance > Employee benefit plans

    Beneficial Ownership Transparency Consultations: Canada and British Columbia - input from CLHIA

    Published on 30/04/2020

    Compliance > Anti-money laundering/anti-terrorist financing

    On April 30, the CLHIA responded to federal and British Columbia consultations, expressing support for the creation of a registry of beneficial owners of corporations. A registry could improve transparency and streamline interactions between insurers and their clients by enabling insurers to collect ownership information directly from the registry.

    The submission highlights the importance that information contained in the registry be reliable, accurate, complete and current, since there would be an expectation that financial institutions would consult the registry. The database should also be sufficiently flexible to accommodate new forms of digital identification.

    Governments should use tools at their disposal, such as auto-populating with licensing and tax information, to ensure the accuracy of the information contained in the registry.

    CLHIA welcomes New Brunswick’s announcement on prescription limits for drugs with strong supplies

    Published on 24/04/2020

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    Request to the Canada Revenue Agency to suspend minimum employer contributions to DC pensions

    Published on 13/04/2020

    Pensions and Retirement > Employer pension plans

    Multiple employers who sponsor defined contribution pension plans have expressed concern to CLHIA members about their inability to make required pension contributions given reduced cash flow due to COVID-19. Partly in response to a CLHIA request, the CRA has announced that, for the remainder of 2020, it will waive the 1 per cent “minimum contribution requirement” set out in Registered Plans Directorate Newsletter 91-4R. Note that this is not automatic and is subject to filing of a plan amendment with the CRA. A parallel amendment may also be required with the relevant regulator under pension benefits legislation.

    Statement from the Canadian Life and Health Insurance Association on the Canada Emergency Wage Subsidy

    Published on 08/04/2020

    Government Relations > Government Monitoring

    Advisory: Travel cancellation insurance and airline vouchers or credits

    Published on 01/04/2020

    Group Insurance > Travel insurance

    Letter to Canadian Association of Pension Supervisory Authorities (CAPSA) re: Quarterly Meeting COVID-19 Responses

    Published on 27/03/2020

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Registered Products (RRSP, LIRA, RRIF)

    Each Spring, the CLHIA meets with the Canadian Association of Pension Supervisory Authorities (CAPSA) to recommend issues for consideration in their 3-year strategic plan. This year, the CLHIA made two separate submissions as part of this process, separating COVID-19 priorities and longer-term objectives. Near-term deferral of reporting, pension contribution relief and enhanced withdrawal options to address financial hardship usurped much of CAPSA's longer-term planning agenda. At present, there does not appear to be a coordinated response by pension regulators to COVID-19, although some contribution suspension appears to be forthcoming based on follow-up discussions with individual regulators. While federally regulated pension plans have had limits imposed on de-risking when significantly under-funded, other regulators have not adopted such restrictions; these measures should have limited negative impact on annuity purchases.

    Letter to the Secretariat of the Canadian Association of Pension Supervisory Authorities (CAPSA) re: Quarterly Meeting 3 year planning priorities

    Published on 27/03/2020

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    Travel insurers confirm individual health insurance coverage for commercial truckers

    Published on 25/03/2020

    Group Insurance > Employee benefit plans Travel insurance

    Urgent notice for Canadians currently in the USA and abroad

    Published on 20/03/2020

    Government Relations Group Insurance > Government Monitoring Travel insurance

    Insurers confirm continued out-of-country health insurance coverage for commercial trucking industry

    Published on 19/03/2020

    Group Insurance > Employee benefit plans Travel insurance

    COVID-19: Statement from the life and health insurance industry

    Published on 13/03/2020

    Group Insurance > Employee benefit plans Travel insurance

    Insurers welcome Insurance Act changes to protect vulnerable seniors

    Published on 11/03/2020

    Insurance > Provincial & Territorial Legislation

    Letter to the Prime Minister in support of the amendments to Patented Medicines Regulations

    Published on 03/03/2020

    Prescription Drug Costs > Pharmacare

    2020 Ontario Budget Submission

    Published on 02/03/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Premium tax

    Letter to Chairman Hoogervost re: Ensuring a common global adoption date for IFRS 17

    Published on 02/03/2020

    Financial Reporting > International Financial Reporting Standards

    Consistent with the CLHIA’s recommendations to the International Accounting Standards Board (IASB) in its letter dated March 2, the IASB voted on March 17 in favour of both:  

  • deferring the effective date of IFRS 17 to 2023, and
  • extending the fixed expiry date of the temporary exemption from applying IFRS 9 to 2023.

  • In its deliberations, the IASB reiterated some of the key considerations emphasized by the CLHIA, in particular, the importance of a common global adoption date and the potentially adverse effects for insurers in Canada and certain other regions if they were forced to implement IFRS 17 before Europe. The IASB has concluded its deliberations on the amendments to IFRS 17 and aims to publish the final standard in the second quarter of this year. The CLHIA would like to thank members for their support throughout the IASB’s consultation period in working toward an improved standard. We will continue to collaborate with members on the IFRS 17 Working Group to assess the impacts of the amended standard and ensure a robust implementation in Canada.

    Letter to the Canadian Accounting Standards Board re: Ensuring a common global adoption date for IFRS 17

    Published on 27/02/2020

    Financial Reporting > International Financial Reporting Standards

    2020 New Brunswick Pre-Budget Submission

    Published on 25/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Premium tax

    2020 Prince Edward Island Pre-Budget Submission

    Published on 25/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    CLHIA letter to the Standing Committee on International Trade on the Implementation of CUSMA

    Published on 19/02/2020

    International > International Trade

    On February 19, the CLHIA submitted a letter to the House of Commons Standing Committee on International Trade calling on the federal government to pass Bill C-4, an act to implement the agreement between Canada, the United States of America, and the United Mexican States (CUSMA) as soon as possible. The letter reiterated the industry's support for the free trade agreement and encouraged the government to maintain the NAFTA Financial Services Committee, which provided a mechanism for regulators in the three countries to share information and discuss areas of concern in the financial services sector.

    Patented Medicine Prices Review Board Regulations (PMPRB) Consultation on Draft Guidelines Submission

    Published on 14/02/2020

    Prescription Drug Costs > Drug pricing

    On February 14, the CLHIA responded to the Patented Medicines Review Board’s (PMPRB) consultation on draft guidelines to support implementation of the amendments to the Patented Medicines Regulations that come into effect July 1, 2020. Our submission was supportive of the proposed changes and we conclude that the proposed changes strike the right balance between reducing the high cost of prescription drugs in Canada, while continuing to ensure Canadians have access to affordable and necessary medications. The industry noted that we will continue to look for ways to support these efforts as the PMPRB moves towards implementation.

    2020 Alberta Pre-Budget Submission

    Published on 12/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    CLHIA Letter to the Canadian Institute of Actuaries regarding national pharmacare

    Published on 11/02/2020

    Prescription Drug Costs > Pharmacare

    On 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.

    2020 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 Trade

    The 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 plans

    On 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 conduct

    On 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 Taxation

    The 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 Taxation

    CLHIA 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.

    CLHIA Process on Electronic Declarations

    Published on 24/12/2019

    Trade & Commerce > Electronic Commerce

    Letter to the Attorney General of Ontario Re: Bill 161, Smarter and Stronger Justice Act, 2019

    Published on 23/12/2019

    Insurance > Provincial & Territorial Legislation

    Enhancing 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 plans

    Comments 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 insurance

    On 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 information

    On 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 information

    Comments on Newfoundland's Dementia Care Action Plan Consultations

    Published on 25/11/2019

    Health Care Policy > Long-term Care

    CLHIA comments on Financial Services Regulatory Authority of Ontario (FSRA)'s proposed priorities

    Published on 18/11/2019

    Distribution > Market conduct

    On 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 Pharmacare

    Submission to the Department of Innovation, Science and Economic Development re: PIPEDA Modernization Proposals

    Published on 04/11/2019

    Trade & Commerce > Intellectual Property Privacy

    The 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) Annuities

    On 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 investments

    Earlier 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:

  • Paid out $98 billion in benefits to Canadians last year, including $36 billion in health benefits for prescription drugs and for extended health providers like dentists and physiotherapists;

  • Worked hard to meet the promise of client satisfaction, with only one in 100,000 claims resulting in a complaint;

  • Provided over 156,000 domestic jobs and made $780 billion in long-term investments that contribute to Canada’s economic growth;

  • Maintains capital reserves 39 per cent higher than regulators’ targets, making insurers among the most stable and secure financial institutions in Canada; and

  • Offered financial protection services to 60 million people in 20 countries - exporting the strength of Canada’s insurers to the world.


  • 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 Pharmacare

    Submission 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 information

    On 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 Pharmacare

    On 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 professions

    The 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 Directors

    BC Submission re: Cayton Report PIPA and Privacy

    Published on 14/06/2019

    Insurance Trade & Commerce Group Insurance > Provincial & Territorial Legislation Privacy Dental insurance

    CLHIA responds to final report of the Advisory Council on the Implementation of National Pharmacare

    Published on 05/06/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    On 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 pricing

    On 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 conduct

    Proposed Changes to OHIP Out of Country coverage October 2019

    Published on 30/04/2019

    Group Insurance > Coordination of benefits Travel insurance

    On 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 & Retirement

    Budget measures offer sensible steps to achieve pharmacare for all who need it

    Published on 19/03/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    CLHIA welcomes Saskatchewan court ruling in Ituna, Mosten and Atwater litigation

    Published on 18/03/2019

    Insurance > Provincial & Territorial Legislation

    On 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 Pharmacare

    Following 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 management

    March 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 Legislation

    Comments 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 Legislation

    Earlier 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 information

    On 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.

    Globe and Mail supplement: Fraud Prevention Month, March 2018

    Published on 08/03/2018

    Group Insurance > Employee benefit plans

    Understanding 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 plans

    Improving drug access and affordability : Can public and private payers do more, together?

    Published on 01/12/2017

    Prescription Drug Costs > Drug pricing Pharmacare

    Karen 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 Pharmacare

    Canada’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 Legislation

    Bill 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 plans

    Published 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 Paper

    This 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 plans

    The 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 plans

    Op-ed submitted to National Post on Taxation of Benefit Plans

    Canadian Life and Health Insurance Facts, 2016 Edition

    Published on 15/09/2016

    Capital and Assets Distribution Group Insurance Insurance Pensions and Retirement > Long-term investments Minimum Continuing Capital and Surplus Requirements Coordination of benefits Employee benefit plans Travel insurance Segregated Funds (IVICs) Annuities Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans Registered Products (RRSP, LIRA, RRIF)

    Retiring Soon?

    Published on 02/09/2016

    Retiring Soon?
    Use this guide to get ready.

    Comment préserver les acquis

    Published on 29/07/2016

    Insurance

    La Presse

    Retirement Income: Coalition appeals to finance ministers

    Published on 27/06/2016

    Pensions and Retirement > Public pensions (OAS/CPP/QPP/GIS) Retirement Income System Reviews

    The 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 professions

    Benefits 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 Pharmacare

    Toronto 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 & Retirement

    Winnipeg Free Press

    CLHIA-Quebec opposed to selling insurance policies to third parties

    Published on 02/06/2016

    Insurance > Provincial & Territorial Legislation

    Interview with CLHIA Quebec president Lyne Duhaime

    Good-bye travel incentives!

    Published on 26/04/2016

    Distribution > Sales practices

    The Insurance and Investment Journal

    Big changes afoot for life agents?

    Published on 22/04/2016

    Distribution > Market conduct Sales practices

    Investment 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 Legislation

    Benefits Canada

    Most Canadians think government programs will cover LTC

    Published on 14/04/2016

    Long-term Care

    Investment Executive

    Rest in peace: Weigh your needs when considering to buy life insurance

    Published on 14/04/2016

    Consumers > Financial Literacy Initiatives

    Canadian Press

    Insurance company drops 'discriminatory' policy on suicide attempts

    Published on 30/03/2016

    Group Insurance > Employee benefit plans

    CBC News

    CLHIA says sales practices could be improved

    Published on 30/03/2016

    Distribution > Sales practices

    The 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 plans

    The National

    The keys to protecting your business against fraud

    Published on 16/02/2016

    Compliance > Fraud risk management

    Businesses 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 professions

    The 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 professions

    Global 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 investments

    Canada’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 disclosure

    Life Health Professional

    Should you buy long-term care insurance?

    Published on 03/02/2016

    Health Care Policy > Long-term Care

    Special to The Globe and Mail

    Ryerson dance student paralyzed after swimming accident in Cuba

    Published on 18/01/2016

    Group Insurance > Travel insurance

    CTV Toronto

    Mourir dans la dignité… et l’assurance

    Published on 17/01/2016

    Insurance > Provincial & Territorial Legislation

    La Presse

    Apparence de contradiction à l'AMF

    Published on 15/01/2016

    Distribution > Alternate distribution

    Finance-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 information

    Benefits Canada

    Globe and Mail supplement April 2016

    Published on 27/04/2016

    Information Updates

    Globe 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

    CLHIA releases its 2017 Factbook

    Published on 27/10/2017

    CLHIA releases its 2017 Factbook

    Understanding Claims for Footwear and Orthotics

    Published on 01/03/2018

    Group Insurance > CLHIA Group Insurance guidelines and reference documents Paramedical benefits Employee benefit plans

    Guaranteed 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.