Alberta
Red Deer South MLA challenging his own government to end restrictions for all family gatherings
Article submitted by Red Deer South MLA Jason Stephan
It’s time to let families get together again.
Families are the fundamental unit of our society. As we approach Family Day, we should consider what that means.
This week, I received and delivered written requests from 28 pastors and hundreds of members of their congregations to lift restrictions so families could celebrate Family Day together.
I agree. Our mental and emotional health requires in person love and kindness. Great healing can result simply from allowing immediate family members opportunities to serve and love each other in person, in ways they agree are appropriate for their family’s circumstances, nurturing their family’s resilience, their family’s individual and collective mental and emotional health.
When I was studying our constitution in law school, I learned that Section 2 of the Canadian Charter of Rights and Freedoms says that everyone has the “fundamental freedoms” of “association” and “peaceful assembly”.
The Supreme Court of Canada said that this freedom of association allows for the “achievement of individual potential through interpersonal relationships”.
What interpersonal relationship allows for more opportunities for “achievement of our potential”, individually or collectively, than in our families?
The freedom of peaceful – that is, not violent – assembly protects the “physical gathering of people”. What physical gatherings are more important than with our own families?
Belonging to, and gathering in, our families are not mere fundamental freedoms, they are also among the highest, most important, expressions of these freedoms.
This past Christmas we saw public health “measures” disallow immediate families – other than households – from gathering, both inside and then even outside. While families are now allowed to gather outside, with freezing winter temperatures, family gatherings continue to be starved. Many of our neighbors, and ourselves, have felt isolated and alone.
We also see families continue to be severely curtailed in gathering to console each other in funerals for loved ones with miserly, artificial limits on attendance, with frustrating contradictions, disregarding the size of spaces with much greater capacities to accommodate generous physical distancing for funeral services, equaling or exceeding those imposed at Walmart. This can result in pain.
The World Health Organization (WHO) defines health as “a state of complete physical, mental and social well-being and not merely the absence of disease or infirmity”.
The unfortunate irony is that public health measures can be unhealthy, resulting in familial disconnection, societal contention, and despair.
Government intrusions into our families’ fundamental freedoms can be very harmful. Under Section 1 of the Charter, government has the burden to justify imposing limits on these freedoms. In particular, government is required to demonstrate “proportionality” between its objectives and its limits imposed to achieve them – the cure cannot be worse than the disease.
This analysis also requires demonstration of a “rational connection” between the limit and the objective, and “minimal impairment” of no more than is necessary to accomplish the objective.
For example, while no child under 18 has died with/from COVID-19 in Alberta, many children – along with adults without serious health issues – are suffering profound economic, physical, social, mental and emotional health issues from health measures imposed upon them and their families.
If these individuals and families are at little or no risk from COVID-19, is there a rational connection to harmful health measures? Are there better opportunities for minimal impairment from less intrusive and harmful alternatives? It is healthier for our children, young adults and families to have hope for bright futures.
Government public health measures should – to the extent possible -leave families and their fundamental freedoms alone.
Societies and families are healthier and happier when they are free. A principled vision of hope is healthy, valuing freedom, requiring government to trust adults in positive ways, to govern themselves, allowing their families to carry on the activities of daily living in ways they individually deem fit appropriate to their own circumstances, in a good faith while respecting reasonable health measures and the rights of their neighbors to do the same.
Guest column from Jason Stephan, MLA for Red Deer-South
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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