Alberta
Business, not as usual
Business, not as usual. Employer support of reservists in time of pandemic.
Submitted by: Canadian Forces Liaison Council/Alberta Chapter
In this challenging time of pandemic, it’s probably safe to say that business will not carry on as usual. Employers have much to be concerned about – employees’ health and welfare, revenue, and simply put – survival.
In many cases employers have reservist-employees who balance double duty with both the Reserve Force and their workplace. Reservists are prepared willing and able to answer the call to support pandemic response or other emergencies, either nationally or locally.
Preparations for pandemic support across Canada are underway, and this includes many reservists, army, navy, air force alike, who have been asked to mobilize. It is with thanks to many employers who support their reservist-employee as they volunteer for Operation LASER 20-01 – the Canadian Armed Forces’ response to the COVID-19 pandemic within Canada.
The Government of Canada has authorized reservists, who volunteer, to be placed on full-time Class C service to support the Operation. The Canadian Armed Forces is currently mobilizing 24,000 service members, both regular and reserve, to support provincial and municipal governments and agencies in their efforts to suppress the disease, to support vulnerable populations, and to provide logistical and general support to communities. In Alberta, there will be hundreds of reservists who will choose to deploy and serve to support our communities.
The impact of the COVID-19 pandemic on Canadians has been unprecedented, as is the scale of the Canadian Armed Forces mobilization under the Operation LASER response. Reservists’ dedication to duty in volunteering for Operation LASER is essential to support both provincial and municipal authorities during this crisis. Canada cannot meet its defence needs at home and abroad without the dedicated, motivated and highly skilled people who work tirelessly to defend Canada and promote Canadian values and interests. Op LASER is the immediate need, but reservists have been and will continue to be needed to support other domestic crisis, such as floods and fires, which are occurring on a more frequent basis.
In Alberta, Employment Standards Code, outlines a reservist-employee who has completed at least 26 consecutive weeks of employment with an employer is entitled to reservist leave without pay to take part in deployment to a Canadian Forces operation inside Canada. It also outlines that all leave provided to Reservists is leave without pay – as the Canadian Armed Forces will provide the Reservist with income for the duration of their contract. It’s good business sense to keep good employees and the employment code notes that employers cannot terminate, or lay off, an employee who has started reservist leave. Although these are the legislated minimums, organizations are encouraged to develop and implement military leave policies that support a reservist-employee even further.
There is great pride for reservists as they deploy domestically and equally for the employers who support them. Undoubtedly, business will not be as usual and if you have a reservist-employee there is support available for your organization. Employer support during this time of crisis is greatly appreciated by the Canadian Armed Forces and the Government of Canada. Indeed, when you employ a reservist, you in turn, are serving your country.
How can I find out more information for my business?
• Federal Compensation for Employers of Reservists Program (CERP) – Employers can apply and eligible applicants will receive a lump sum payment, in the form of a grant, following the deployment period of the reservist employee.
- Military Leave Policy information – if your organization does not already have a formal military leave policy, this may be a good opportunity to implement one that provides additional detail beyond what is in the job protection legislation.
- Canadian Forces Liaison Council – Employers Supporting Reservists
Info for military leave policies and federal support (CERP): https://www.canada.ca/en/department-national-defence/services/benefits-military/supporting-reservists-employers.html
- With Glowing Hearts – Reservist Support Program – a turnkey employer support program for reservists. The program provides information and tools for employers of reservists and is an asset for a business to attract and retain experienced and valued reservist/employees.
Info and/or to Register: https://www.surveymonkey.com/r/WithGlowingHearts
originally published April 9, 2020.
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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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