Alberta
Province planning “Heroes Fund” to help families of first responders who die on duty
From the Province of Alberta
Supporting Alberta’s heroes and their families
Creating the Alberta’s Heroes Fund will improve benefits for the families of fallen first responders and recognize their noble service.
Bill 47, Ensuring Safety and Cutting Red Tape, will allow Alberta’s government to follow through on its commitment to create the Heroes Fund. Alberta’s government will honour the sacrifices of first responders who die as a result of performing their duties. The Heroes Fund will provide a one-time tax-free payment of $100,000 to eligible families through the Workers’ Compensation Board.
“There is no higher form of public service than to risk one’s life to maintain public safety. While nothing can replace a loved one, the Heroes Fund will provide families with extra support and improved benefits while honouring the brave and valiant service of Alberta’s fallen heroes.”
“First responders commit their lives to serving their communities and we must honour their heroic work and ensure their loved ones have the support they need. Our government committed to ensuring families of Alberta’s fallen heroes are supported, and while I wish this fund wasn’t needed, today we are delivering on our promise to honour them and the sacrifices they’ve made.”
Eligible first responders include firefighters, police officers, paramedics, sheriffs and provincial corrections officers. Alberta’s Workers’ Compensation Board (WCB) will administer the Heroes Fund and will begin identifying eligible families and administering payments, which are retroactive to April 1, 2020.
“Day in and day out, our members put their health and safety on the line to help Albertans often during the most difficult times in their lives. First responders understand that this is our calling, this is what we do. We acknowledge the inherent risk of our profession and do what we can to mitigate risk. Unfortunately, risk cannot always be mitigated, and every year we see firefighters, paramedics and dispatchers who are killed from job-related injuries, occupational disease, or mental health struggles. The Alberta Fire Fighters Association would like to take this opportunity to applaud the Government of Alberta for the Heroes Fund. While this fund will never replace the void from the loss of a loved one, it will help ease the inevitable financial hardships caused by those who have paid the ultimate sacrifice.”
“First responders are charged with the significant responsibility of upholding safety in our communities and protecting citizens, often placing their lives in danger. Losing a loved one in the line of duty is a tragedy many of us are lucky to be unfamiliar with, but for those who must live with that grief and its many hardships, this fund provides much-needed support and commemoration of heroes that made the ultimate sacrifice.”
“As a former sergeant with the Calgary Police Service, I was honoured to serve with many brave police officers, firefighters, and paramedics in the City of Calgary. I know first-hand how our first responders put their lives on the line every day in the service of Albertans and I am proud that our government is fulfilling our commitment to create a Heroes Fund. Our government is taking concrete action to give the families of our fallen heroes the help they need in difficult times.”
“I’m proud to be part of a government that delivers on its promises and stands up for first responders and their families. As a former paramedic firefighter, I understand the sacrifices first responders make to serve their communities and answer the call to service. I wish everyone could return home safely at the end of the day, but for those who pay the ultimate price serving their communities, the creation of this fund will make a difference in the lives of family members when they need it most. Establishing this fund will make Alberta the only province with a program of this type to honour and pay tribute to the families of first responders.”
Quick facts
- Budget 2020 commits $1.5 million per year for the Heroes Fund for three years, starting in the 2020-21 fiscal year.
- Alberta is the only province with a program of this type for families of fallen first responders.
- Heroes Fund payments are separate from regular workers’ compensation fatality benefits.
- The Heroes Fund will take effect when Bill 47 receives royal assent.
- There were 106 Alberta first responder fatalities between 2010 and 2019.
- 90 per cent of these were firefighters due to occupational illness.
- Albertans are served by:
- More than 14,000 full-time, part-time, casual and volunteer firefighters. About 80 per cent are volunteers.
- More than 7,500 police officers.
- More than 9,400 paramedics.
Better, faster, more affordable auto insurance
Alberta’s government is introducing a new auto insurance system that will provide better and faster services to Albertans while reducing auto insurance premiums.
After hearing from more than 16,000 Albertans through an online survey about their priorities for auto insurance policies, Alberta’s government is introducing a new privately delivered, care-focused auto insurance system.
Right now, insurance in the province is not affordable or care focused. Despite high premiums, Albertans injured in collisions do not get the timely medical care and income support they need in a system that is complex to navigate. When fully implemented, Alberta’s new auto insurance system will deliver better and faster care for those involved in collisions, and Albertans will see cost savings up to $400 per year.
“Albertans have been clear they need an auto insurance system that provides better, faster care and is more affordable. When it’s implemented, our new privately delivered, care-centred insurance system will put the focus on Albertans’ recovery, providing more effective support and will deliver lower rates.”
“High auto insurance rates put strain on Albertans. By shifting to a system that offers improved benefits and support, we are providing better and faster care to Albertans, with lower costs.”
Albertans who suffer injuries due to a collision currently wait months for a simple claim to be resolved and can wait years for claims related to more serious and life-changing injuries to addressed. Additionally, the medical and financial benefits they receive often expire before they’re fully recovered.
Under the new system, Albertans who suffer catastrophic injuries will receive treatment and care for the rest of their lives. Those who sustain serious injuries will receive treatment until they are fully recovered. These changes mirror and build upon the Saskatchewan insurance model, where at-fault drivers can be sued for pain and suffering damages if they are convicted of a criminal offence, such as impaired driving or dangerous driving, or conviction of certain offenses under the Traffic Safety Act.
Work on this new auto insurance system will require legislation in the spring of 2025. In order to reconfigure auto insurance policies for 3.4 million Albertans, auto insurance companies need time to create and implement the new system. Alberta’s government expects the new system to be fully implemented by January 2027.
In the interim, starting in January 2025, the good driver rate cap will be adjusted to a 7.5% increase due to high legal costs, increasing vehicle damage repair costs and natural disaster costs. This protects good drivers from significant rate increases while ensuring that auto insurance providers remain financially viable in Alberta.
Albertans have been clear that they still want premiums to be based on risk. Bad drivers will continue to pay higher premiums than good drivers.
By providing significantly enhanced medical, rehabilitation and income support benefits, this system supports Albertans injured in collisions while reducing the impact of litigation costs on the amount that Albertans pay for their insurance.
“Keeping more money in Albertans’ pockets is one of the best ways to address the rising cost of living. This shift to a care-first automobile insurance system will do just that by helping lower premiums for people across the province.”
Quick facts
- Alberta’s government commissioned two auto insurance reports, which showed that legal fees and litigation costs tied to the province’s current system significantly increase premiums.
- A 2023 report by MNP shows
Alberta maintains a balanced budget while ensuring pressures from population growth are being addressed.
Alberta faces rising risks, including ongoing resource volatility, geopolitical instability and rising pressures at home. With more than 450,000 people moving to Alberta in the last three years, the province has allocated hundreds of millions of dollars to address these pressures and ensure Albertans continue to be supported. Alberta’s government is determined to make every dollar go further with targeted and responsible spending on the priorities of Albertans.
The province is forecasting a $4.6 billion surplus at the end of 2024-25, up from the $2.9 billion first quarter forecast and $355 million from budget, due mainly to higher revenue from personal income taxes and non-renewable resources.
Given the current significant uncertainty in global geopolitics and energy markets, Alberta’s government must continue to make prudent choices to meet its responsibilities, including ongoing bargaining for thousands of public sector workers, fast-tracking school construction, cutting personal income taxes and ensuring Alberta’s surging population has access to high-quality health care, education and other public services.
“These are challenging times, but I believe Alberta is up to the challenge. By being intentional with every dollar, we can boost our prosperity and quality of life now and in the future.”
Midway through 2024-25, the province has stepped up to boost support to Albertans this fiscal year through key investments, including:
- $716 million to Health for physician compensation incentives and to help Alberta Health Services provide services to a growing and aging population.
- $125 million to address enrollment growth pressures in Alberta schools.
- $847 million for disaster and emergency assistance, including:
- $647 million to fight the Jasper wildfires
- $163 million for the Wildfire Disaster Recovery Program
- $5 million to support the municipality of Jasper (half to help with tourism recovery)
- $12 million to match donations to the Canadian Red Cross
- $20 million for emergency evacuation payments to evacuees in communities impacted by wildfires
- $240 million more for Seniors, Community and Social Services to support social support programs.
Looking forward, the province has adjusted its forecast for the price of oil to US$74 per barrel of West Texas Intermediate. It expects to earn more for its crude oil, with a narrowing of the light-heavy differential around US$14 per barrel, higher demand for heavier crude grades and a growing export capacity through the Trans Mountain pipeline. Despite these changes, Alberta still risks running a deficit in the coming fiscal year should oil prices continue to drop below $70 per barrel.
After a 4.4 per cent surge in the 2024 census year, Alberta’s population growth is expected to slow to 2.5 per cent in 2025, lower than the first quarter forecast of 3.2 per cent growth because of reduced immigration and non-permanent residents targets by the federal government.
Revenue
Revenue for 2024-25 is forecast at $77.9 billion, an increase of $4.4 billion from Budget 2024, including:
- $16.6 billion forecast from personal income taxes, up from $15.6 billion at budget.
- $20.3 billion forecast from non-renewable resource revenue, up from $17.3 billion at budget.
Expense
Expense for 2024-25 is forecast at $73.3 billion, an increase of $143 million from Budget 2024.
Surplus cash
After calculations and adjustments, $2.9 billion in surplus cash is forecast.
- $1.4 billion or half will pay debt coming due.
- The other half, or $1.4 billion, will be put into the Alberta Fund, which can be spent on further debt repayment, deposited into the Alberta Heritage Savings Trust Fund and/or spent on one-time initiatives.
Contingency
Of the $2 billion contingency included in Budget 2024, a preliminary allocation of $1.7 billion is forecast.
Alberta Heritage Savings Trust Fund
The Alberta Heritage Savings Trust Fund grew in the second quarter to a market value of $24.3 billion as of Sept. 30, 2024, up from $23.4 billion at the end of the first quarter.
- The fund earned a 3.7 per cent return from July to September with a net investment income of $616 million, up from the 2.1 per cent return during the first quarter.
Debt
Taxpayer-supported debt is forecast at $84 billion as of March 31, 2025, $3.8 billion less than estimated in the budget because the higher surplus has lowered borrowing requirements.
- Debt servicing costs are forecast at $3.2 billion, down $216 million from budget.
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