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.
From the Fraser Institute
By Tegan Hill
According to the recent mid-year update tabled Thursday, the Smith government projects a $4.6 billion surplus in 2024/25, up from the $2.9 billion surplus projected just a few months ago. Despite the good news, Premier Smith must reduce spending to avoid budget deficits.
The fiscal update projects resource revenue of $20.3 billion in 2024/25. Today’s relatively high—but very volatile—resource revenue (including oil and gas royalties) is helping finance today’s spending and maintain a balanced budget. But it will not last forever.
For perspective, in just the last decade the Alberta government’s annual resource revenue has been as low as $2.8 billion (2015/16) and as high as $25.2 billion (2022/23).
And while the resource revenue rollercoaster is currently in Alberta’s favor, Finance Minister Nate Horner acknowledges that “risks are on the rise” as oil prices have dropped considerably and forecasters are projecting downward pressure on prices—all of which impacts resource revenue.
In fact, the government’s own estimates show a $1 change in oil prices results in an estimated $630 million revenue swing. So while the Smith government plans to maintain a surplus in 2024/25, a small change in oil prices could quickly plunge Alberta back into deficit. Premier Smith has warned that her government may fall into a budget deficit this fiscal year.
This should come as no surprise. Alberta’s been on the resource revenue rollercoaster for decades. Successive governments have increased spending during the good times of high resource revenue, but failed to rein in spending when resource revenues fell.
Previous research has shown that, in Alberta, a $1 increase in resource revenue is associated with an estimated 56-cent increase in program spending the following fiscal year (on a per-person, inflation-adjusted basis). However, a decline in resource revenue is not similarly associated with a reduction in program spending. This pattern has led to historically high levels of government spending—and budget deficits—even in more recent years.
Consider this: If this fiscal year the Smith government received an average level of resource revenue (based on levels over the last 10 years), it would receive approximately $13,000 per Albertan. Yet the government plans to spend nearly $15,000 per Albertan this fiscal year (after adjusting for inflation). That’s a huge gap of roughly $2,000—and it means the government is continuing to take big risks with the provincial budget.
Of course, if the government falls back into deficit there are implications for everyday Albertans.
When the government runs a deficit, it accumulates debt, which Albertans must pay to service. In 2024/25, the government’s debt interest payments will cost each Albertan nearly $650. That’s largely because, despite running surpluses over the last few years, Albertans are still paying for debt accumulated during the most recent string of deficits from 2008/09 to 2020/21 (excluding 2014/15), which only ended when the government enjoyed an unexpected windfall in resource revenue in 2021/22.
According to Thursday’s mid-year fiscal update, Alberta’s finances continue to be at risk. To avoid deficits, the Smith government should meaningfully reduce spending so that it’s aligned with more reliable, stable levels of revenue.
Author:
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
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