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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

Submission to Health Canada Re: Proposed Generic Drug Regulations

Published on 07/06/2019

Prescription Drug Costs > Generic drug pricing

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.

2019 Alberta Budget Submission

Published on 11/02/2019

Pensions and Retirement Prescription Drug Costs Taxation > Annuities Pooled registered pension plans/PRPPs (and provincial variations) Drug pricing Premium tax

2019 Ontario Budget Submission

Published on 05/02/2019

Prescription Drug Costs Capital and Assets Taxation Insurance > Drug pricing Generic drug pricing Long-term investments Provincial and Territorial Taxation Premium tax Provincial & Territorial Legislation

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.

2019 Newfoundland and Labrador Budget Submission

Published on 30/01/2019

Prescription Drug Costs > Pharmacare

CLHIA Submission on the 2019 Federal Government Budget Consultation

Published on 29/01/2019

Pensions and Retirement Prescription Drug Costs Taxation Trade & Commerce International > Annuities Registered Products (RRSP, LIRA, RRIF) Drug pricing Pharmacare Federal Taxation Corporate Tax International Trade

The CLHIA has submitted the industry's views into the 2019 federal pre-budget consultation and a number of provincial consultations, including BC, Alberta, Ontario, Newfoundland, Manitoba, and Nova Scotia. These submissions focused on key policy issues for the industry, including pharmacare, infrastructure investments, pensions, provincial taxes, and climate change. Final submissions can be found on the public side of the CLHIA website.

2019 Nova Scotia Budget Submission

Published on 17/12/2018

Government Relations > Government Monitoring

Global insurance industry letter on IFRS 17 follow up on IASB November Board Meeting

Published on 07/12/2018

International Taxation > Network of Insurance Associations International Taxation

Submission on the 2019 Quebec Budget

Published on 28/11/2018

Government Relations > Government Monitoring

CLHIA Submission on Reducing Regulatory Burden for Private Label Products

Published on 28/11/2018

Prescription Drug Costs > Drug pricing Generic drug pricing

CANADIAN LIFE AND HEALTH INSURANCE INDUSTRY RESPONDS TO ADVISOR INPUT: Makes Key Changes to New Guideline on Compensation Disclosure

Published on 21/11/2018

Distribution > CLHIA Distribution guidelines and reference documents Advisor regulatory requirements Market conduct Sales practices

2019 Manitoba Budget Submission

Published on 05/11/2018

Government Relations > Government Monitoring

CANADIAN LIFE AND HEALTH INSURANCE INDUSTRY LAUNCHES NATIONAL CAMPAIGN TO COMBAT FRAUD

Published on 31/10/2018

Advocacy Campaign Group Insurance > Employee benefit plans

Cannabis Use and Insurance

Published on 16/10/2018

Group Insurance Prescription Drug Costs > Employee benefit plans Drug pricing

2019 British Columbia Budget Submission

Published on 15/10/2018

Capital and Assets Prescription Drug Costs Taxation > Long-term investments Drug pricing GST/HST/Sales Tax Premium tax

Enhancing the efficiency of retirement income options for older Canadians

Published on 27/09/2018

Pensions and Retirement > Retirement Income System Reviews

CLHIA Submission to Advisory Council on National Pharmacare

Published on 03/10/2018

Prescription Drug Costs > Pharmacare

CANADIAN LIFE AND HEALTH INSURANCE SHOWS STRONG GROWTH ACROSS THE BOARD IN 2017

Published on 27/09/2018

Group Insurance > Coordination of benefits Dental insurance Employee benefit plans Travel insurance

Consultation re Guideline No. 9 – Searching for Un‐locatable Members of a Pension Plan

Published on 06/09/2018

Pensions and Retirement > Employer pension plans Retirement Income System Reviews

Unclaimed Pension Entitlements

Published on 23/08/2018

Pensions and Retirement

Cooperative Capital Markets Regulator

Published on 07/08/2018

Submissions

IFRS 17 - Canadian request for two-year Implementation Date Deferral

Published on 02/08/2018

Financial Reporting > International Financial Reporting Standards

CLHIA 2019 Federal Pre-Budget Submission

Published on 02/08/2018

Taxation > Federal Taxation

CLHIA WELCOMES THE ANNOUNCEMENT OF CHANGES TO OHIP +

Published on 30/06/2018

Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

MARK SYLVIA OF EMPIRE LIFE ELECTED AS CLHIA’S 2018-19 CHAIR

Published on 21/06/2018

CLHIA Governance > Board of Directors

CLHIA WELCOMES THE ANNOUNCEMENT OF ADVISORY COUNCIL ON THE IMPLEMENTATION OF PHARMACARE

Published on 20/06/2018

Prescription Drug Costs > Provincial & territorial drug program information Pharmacare

Adoption du projet de loi 141 sur la réforme du secteur financier

Published on 13/06/2018

Government Relations Insurance > Government Monitoring Provincial & Territorial Legislation

CLHIA RESPONDS TO ADVISOR CONCERNS OVER NEW COMPENSATION DISCLOSURE GUIDELINE G19

Published on 31/05/2018

Distribution > CLHIA Distribution guidelines and reference documents Advisor regulatory requirements

TAXING HEALTH BENEFIT PLANS WOULD HURT MAJORITY OF CANADIANS

Published on 24/05/2018

Group Insurance Prescription Drug Costs > Employee benefit plans Pharmacare

L’industrie de l’assurance tient à l’adoption du projet de loi 141

Published on 10/05/2018

Government Relations > Government Monitoring

Joint Letter to Alberta Regarding a Single Financial Sector Regulator

Published on 09/03/2018

Compliance > Conduct of business (Commercial practices)

Globe and Mail supplement: Fraud Prevention Month, March 2018

Published on 08/03/2018

Group Insurance > Employee benefit plans

NORTH AMERICAN INSURANCE ASSOCIATIONS AFFIRM SUPPORT OF NAFTA

Published on 01/03/2018

International > International Association of Insurance Supervisors (IAIS)

Comments on Health Canada’s consultation on the proposed amendments to the Patented Medicines regulations

Published on 13/02/2018

Health Care Policy Prescription Drug Costs > Drug pricing Pharmacare

CLHIA DELAYS IMPLEMENTATION OF NEW COMPENSATION DISCLOSURE GUIDELINE BY SIX MONTHS

Published on 05/02/2018

Insurance > CLHIA Insurance guidelines and reference documents

LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES LOWERING OF GENERIC DRUG PRICES

Published on 29/01/2018

Health Care Policy > Generic drug pricing

Consultation on the Proposed Approach to the Regulation of Cannabis

Published on 20/01/2018

Insurance Prescription Drug Costs > Federal Legislation Drug pricing

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

This Reference Document is meant for informational purposes only. All claims for PAP devices will be adjudicated in accordance with the terms of the group benefit plan under which they are being claimed. In the event of a discrepancy between this Reference Document and the group benefit plan, the provisions of the group benefit plan will apply.

Industry input to the external review of Canada's eight pan-Canadian health organizations

Published on 24/11/2017

Health Care Policy > Business continuation / pandemic planning

Submssion to Health Canada

OSFI IFRS 17: Insurance Contracts Standard - Project Plan Timelines

Published on 23/11/2017

Financial Reporting > International Financial Reporting Standards

Submission to OSFI

New Regulatory Capital Framework and Taxation of Non-resident Life Insurers

Published on 22/11/2017

Capital and Assets > Minimum Continuing Capital and Surplus Requirements

Submission to Department of Finance

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.

CLHIA's further comments on the Life Insurance Agent Market Conduct Questionnaire

Published on 16/10/2017

Distribution > Advisor regulatory requirements

The CLHIA has identified a few comments on the Life Insurance Agent Market Conduct Questionnaire missed in our original submission. We believe these comments may be of value to FSCO and have summarized them.

Submission to the Department of Finance Canada on the Review of the Federal Financial Sector Framework

Published on 06/10/2017

Capital and Assets > Long-term investments

The Canadian life and health insurance industry appreciates the opportunity to provide comments on the Department of Finance’s second consultation paper on the review of the federal financial sector review, Potential Policy Measures to Support a Strong and Growing Economy: Positioning Canada’s Financial Sector for the Future.

LIFE AND HEALTH INSURANCE COVERAGE IN CANADA EXPERIENCES GROWTH IN 2016

Published on 27/09/2017

Pensions and Retirement > Annuities Public pensions (OAS/CPP/QPP/GIS) Employer pension plans Registered Products (RRSP, LIRA, RRIF) Retirement Income System Reviews

Financial sector reform: consumers deserve a more modern regulatory framework

Published on 27/09/2017

Insurance > Federal Legislation

The Canadian Life and Health Insurance Association (ACCAP-Quebec) joins the many other associations and businesses who have long been calling for the introduction of the financial sector reform bill.

CLHIA welcomes new detailed invoice at Quebec’s pharmacies

Published on 15/09/2017

Prescription Drug Costs > Provincial & territorial drug program information

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

BC Dental College statement on third party billing

Published on 11/09/2017

Group Insurance > Dental insurance

The draft Statement addresses the current obligations of dentists to treat colleagues and patients fairly in all financial dealings. The insertion of a third party biller into the referral to a dental laboratory or other third party entity, can introduce inflated or hidden fees that BC plan sponsors and individual plan members may be funding. These kinds of practices can threaten the sustainability of dental benefit plans.

CLHIA Standardized Advisor Practice Review for Use in the MGA channel

Published on 21/08/2017

Distribution > CLHIA Distribution guidelines and reference documents

2018 Federal Budget Submission

Published on 04/08/2017

Taxation > Federal Taxation

Our recommendations align with the Government's priorities to support the middle class, create jobs and set the right conditions for long-term prosperity for Canadians.

CLHIA comments on the CCIR Strategic Plan 2017 - 2020

Published on 31/07/2017

Distribution > Advisor regulatory requirements

We commend the CCIR on developing a progressive Strategic Plan that balances the need for consumer protection with a thriving marketplace for life and health insurance products and services.

CLHIA response to Health Canada Consultation on amendments to Patented Medicines Regulations

Published on 26/06/2017

Prescription Drug Costs > Drug pricing

The Canadian Life and Health Insurance Association Inc. (CLHIA) appreciates the opportunity to provide comments on Health Canada’s Consultation on proposed amendments to the Patented Medicines Regulations.

Consultations on the renegotiation of the North American Free Trade Agreement (NAFTA)

Published on 24/07/2017

Trade & Commerce

On behalf of our member companies, the Canadian Life and Health Insurance Association (CLHIA) would like to take this opportunity to submit the industry’s views on the renegotiation of the North American Free Trade Agreement (NAFTA).

LIFE AND HEALTH INSURANCE INDUSTRY SUPPORTS LOWER PRICING FOR GENERIC DRUGS

Published on 17/07/2017

Health Care Policy > Generic drug pricing

The life and health insurance industry in Quebec welcomes Health Minister Gaétan Barrette’s announcement that an agreement has been reached with generic drug manufacturers to significantly lower generic drug prices.

North American Insurance Associations Agree on the Benefits of NAFTA

Published on 22/06/2017

Government Relations International > Government Monitoring International Association of Insurance Supervisors (IAIS) International Monitoring Network of Insurance Associations International Trade

The Canadian Life and Health Insurance Association, Insurance Bureau of Canada, American Council of Life Insurers, American Insurance Association, and Mexican Association of Insurance Companies have come together to issue a joint statement supporting efforts to modernise NAFTA. Insurers in all three markets continue to benefit from the agreement. As such, while we will support efforts to modernise the Agreement, we would not wish to see any changes that would jeopardise gains already achieved.

Serving Clients Through Needs-Based Sales Practices - Training Module

Published on 06/06/2017

Insurance > CLHIA Insurance guidelines and reference documents

Reference Document

Advisor Disclosure Best Practices - Training Material

Published on 06/06/2017

Insurance > CLHIA Insurance guidelines and reference documents

Reference Document

CLHIA Comments on FSCO's draft 2017 Statement of Priorities

Published on 23/05/2017

Compliance Insurance > Fair treatment of customers (FTC) Conduct of business (Commercial practices) Provincial & Territorial Legislation

Submission

APPOINTMENT: PAUL MAHON

Published on 12/06/2017

CLHIA Governance > Board of Directors

The members of the Canadian Life and Health Insurance Association (CLHIA) have elected Paul Mahon, President and CEO, Great-West Lifeco, Great-West Life, London Life and Canada Life as Chair.

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.

RVER : un début prometteur, selon les assureurs

Published on 28/04/2017

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

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

Letter to the Alberta Minister of Health Re: High cost of dental care

Published on 14/03/2017

Group Insurance > Dental insurance

Submission

Opening remarks to the Quebec Public Finance Committee as part of the consultations on the future of the Quebec Pension Plan

Published on 18/01/2017

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

Submission on the document "Strengthening the Plan to Promote Greater Intergenerational Fairness", and the support document "Observations on Retirement in Quebec"

Published on 17/01/2017

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

When it comes to buying life insurance, there's no time like now when you're young and healthy > notimelikenow.ca

Published on 21/03/2017

Information Updates

When it comes to buying life insurance, there’s no time like now when you're young and healthy
notimelikenow.ca

2017 New Brunswick Budget Submission

Published on 08/12/2016

Taxation

CLHIA Response to "Pooled Registered Pension Plans (Manitoba) Act"

Published on 25/11/2016

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

CLHIA submission to Finance Canada regarding the Review of Federal Financial Sector Framework

Published on 15/11/2016

Insurance > Federal Legislation

Submission

LIFE AND HEALTH INSURANCE INDUSTRY APPLAUDS ONTARIO ADOPTION OF PRPPS

Published on 11/11/2016

Pensions and Retirement > Pooled registered pension plans/PRPPs (and provincial variations)

LIFE AND HEALTH INSURANCE INDUSTRY WELCOMES SUPPORT FOR GREATER TRANSPARENCY AT THE PHARMACY

Published on 10/11/2016

Prescription Drug Costs > Drug pricing