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Submission to OSC re 52-112 Non-GAAP and other Financial Measures Disclosure

Published on 29/06/2020

Capital and Assets Financial Reporting > Securities Generally Accepted Accounting Principles (GAAP)

2021 British Columbia Pre-Budget Submission

Published on 24/06/2020

Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare

Advisory: Health Protection Standards for Paramedical Lab Testing for Insurance During COVID-19

Published on 09/06/2020

Risk Management > Underwriting

In response to provinces that are beginning to resume non-emergency health services, the CLHIA issued an advisory on June 9 to raise awareness of paramedical lab testing for insurance. Life and health insurers are urging governments and providers to ensure appropriate health protection standards are met to protect the health and safety of our clients and the broader community.

CLHIA Submission on the Canada Emergency Wage Subsidy Program

Published on 04/06/2020

Government Relations > Government Monitoring

On June 4, the CLHIA shared the life and health insurance industry’s views on the Canada Emergency Wage Subsidy (CEWS) program with the federal government. The CLHIA supports the CEWS and believes it is crucial to help sustain the employer-employee linkage during the COVID-19 pandemic. The CLHIA highlighted that there continues to be uncertainty over the eligibility criteria among some of our members and that more clarity and useful FAQs would be helpful.

Jean-François Chalifoux elected as CLHIA Chair

Published on 08/06/2020

CLHIA Governance > Board of Directors

The members of the Canadian Life and Health Insurance Association have elected Jean-François Chalifoux, Chief Executive Officer of SSQ Insurance as Chair.

Founded in 1944, SSQ Insurance is now one of the largest insurance companies in Canada, with $13 billion in assets under management.

Jean-François holds a bachelor's degree in actuarial sciences from Laval University, is a Fellow of both the Canadian Institute of Actuaries and the Casualty Actuarial Society, and is a graduate of the Queen’s Executive Development Program. Prior to joining SSQ Insurance in 2015, he held several executive roles with major Canadian insurance companies.

Letters to BC Government Re: Medical lab tests for insurance applications

Published on 29/05/2020

Risk Management > Underwriting

The CLHIA sent letters to the Minister of Health and the Minister of Finance in British Columbia with respect to paramedical lab testing for insurance applications. The letters were in response to concerns raised publicly by an advisor in that province criticizing the industry for our approach to accepting test results during COVID-19. The CLHIA advised the Ministers of some temporary changes that have been immplemented since COVID-19 with respect to insurance applications and steps taken by member companies to ensure Canadians continue to receive insurance coverage.

Statement: Update on Canada’s life and health insurers’ response to COVID-19

Published on 01/05/2020

Group Insurance > Employee benefit plans

Beneficial Ownership Transparency Consultations: Canada and British Columbia - input from CLHIA

Published on 30/04/2020

Compliance > Anti-money laundering/anti-terrorist financing

On April 30, the CLHIA responded to federal and British Columbia consultations, expressing support for the creation of a registry of beneficial owners of corporations. A registry could improve transparency and streamline interactions between insurers and their clients by enabling insurers to collect ownership information directly from the registry.

The submission highlights the importance that information contained in the registry be reliable, accurate, complete and current, since there would be an expectation that financial institutions would consult the registry. The database should also be sufficiently flexible to accommodate new forms of digital identification.

Governments should use tools at their disposal, such as auto-populating with licensing and tax information, to ensure the accuracy of the information contained in the registry.

CLHIA welcomes New Brunswick’s announcement on prescription limits for drugs with strong supplies

Published on 24/04/2020

Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

Request to the Canada Revenue Agency to suspend minimum employer contributions to DC pensions

Published on 13/04/2020

Pensions and Retirement > Employer pension plans

Multiple employers who sponsor defined contribution pension plans have expressed concern to CLHIA members about their inability to make required pension contributions given reduced cash flow due to COVID-19. Partly in response to a CLHIA request, the CRA has announced that, for the remainder of 2020, it will waive the 1 per cent “minimum contribution requirement” set out in Registered Plans Directorate Newsletter 91-4R. Note that this is not automatic and is subject to filing of a plan amendment with the CRA. A parallel amendment may also be required with the relevant regulator under pension benefits legislation.

Statement from the Canadian Life and Health Insurance Association on the Canada Emergency Wage Subsidy

Published on 08/04/2020

Government Relations > Government Monitoring

Advisory: Travel cancellation insurance and airline vouchers or credits

Published on 01/04/2020

Group Insurance > Travel insurance

Letter to Canadian Association of Pension Supervisory Authorities (CAPSA) re: Quarterly Meeting COVID-19 Responses

Published on 27/03/2020

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

Each Spring, the CLHIA meets with the Canadian Association of Pension Supervisory Authorities (CAPSA) to recommend issues for consideration in their 3-year strategic plan. This year, the CLHIA made two separate submissions as part of this process, separating COVID-19 priorities and longer-term objectives. Near-term deferral of reporting, pension contribution relief and enhanced withdrawal options to address financial hardship usurped much of CAPSA's longer-term planning agenda. At present, there does not appear to be a coordinated response by pension regulators to COVID-19, although some contribution suspension appears to be forthcoming based on follow-up discussions with individual regulators. While federally regulated pension plans have had limits imposed on de-risking when significantly under-funded, other regulators have not adopted such restrictions; these measures should have limited negative impact on annuity purchases.

Letter to the Secretariat of the Canadian Association of Pension Supervisory Authorities (CAPSA) re: Quarterly Meeting 3 year planning priorities

Published on 27/03/2020

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

Travel insurers confirm individual health insurance coverage for commercial truckers

Published on 25/03/2020

Group Insurance > Employee benefit plans Travel insurance

Urgent notice for Canadians currently in the USA and abroad

Published on 20/03/2020

Government Relations Group Insurance > Government Monitoring Travel insurance

Insurers confirm continued out-of-country health insurance coverage for commercial trucking industry

Published on 19/03/2020

Group Insurance > Employee benefit plans Travel insurance

COVID-19: Statement from the life and health insurance industry

Published on 13/03/2020

Group Insurance > Employee benefit plans Travel insurance

Insurers welcome Insurance Act changes to protect vulnerable seniors

Published on 11/03/2020

Insurance > Provincial & Territorial Legislation

Letter to the Prime Minister in support of the amendments to Patented Medicines Regulations

Published on 03/03/2020

Prescription Drug Costs > Pharmacare

2020 Ontario Budget Submission

Published on 02/03/2020

Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Premium tax

Letter to Chairman Hoogervost re: Ensuring a common global adoption date for IFRS 17

Published on 02/03/2020

Financial Reporting > International Financial Reporting Standards

Consistent with the CLHIA’s recommendations to the International Accounting Standards Board (IASB) in its letter dated March 2, the IASB voted on March 17 in favour of both:  

  • deferring the effective date of IFRS 17 to 2023, and
  • extending the fixed expiry date of the temporary exemption from applying IFRS 9 to 2023.

  • In its deliberations, the IASB reiterated some of the key considerations emphasized by the CLHIA, in particular, the importance of a common global adoption date and the potentially adverse effects for insurers in Canada and certain other regions if they were forced to implement IFRS 17 before Europe. The IASB has concluded its deliberations on the amendments to IFRS 17 and aims to publish the final standard in the second quarter of this year. The CLHIA would like to thank members for their support throughout the IASB’s consultation period in working toward an improved standard. We will continue to collaborate with members on the IFRS 17 Working Group to assess the impacts of the amended standard and ensure a robust implementation in Canada.

    Letter to the Canadian Accounting Standards Board re: Ensuring a common global adoption date for IFRS 17

    Published on 27/02/2020

    Financial Reporting > International Financial Reporting Standards

    2020 New Brunswick Pre-Budget Submission

    Published on 25/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Premium tax

    2020 Prince Edward Island Pre-Budget Submission

    Published on 25/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    CLHIA letter to the Standing Committee on International Trade on the Implementation of CUSMA

    Published on 19/02/2020

    International > International Trade

    On February 19, the CLHIA submitted a letter to the House of Commons Standing Committee on International Trade calling on the federal government to pass Bill C-4, an act to implement the agreement between Canada, the United States of America, and the United Mexican States (CUSMA) as soon as possible. The letter reiterated the industry's support for the free trade agreement and encouraged the government to maintain the NAFTA Financial Services Committee, which provided a mechanism for regulators in the three countries to share information and discuss areas of concern in the financial services sector.

    Patented Medicine Prices Review Board Regulations (PMPRB) Consultation on Draft Guidelines Submission

    Published on 14/02/2020

    Prescription Drug Costs > Drug pricing

    On February 14, the CLHIA responded to the Patented Medicines Review Board’s (PMPRB) consultation on draft guidelines to support implementation of the amendments to the Patented Medicines Regulations that come into effect July 1, 2020. Our submission was supportive of the proposed changes and we conclude that the proposed changes strike the right balance between reducing the high cost of prescription drugs in Canada, while continuing to ensure Canadians have access to affordable and necessary medications. The industry noted that we will continue to look for ways to support these efforts as the PMPRB moves towards implementation.

    2020 Alberta Pre-Budget Submission

    Published on 12/02/2020

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    CLHIA Letter to the Canadian Institute of Actuaries regarding national pharmacare

    Published on 11/02/2020

    Prescription Drug Costs > Pharmacare

    On February 11, the CLHIA responded to a call for input to inform the creation of a level-2 Canadian Institute of Actuaries public statement on national pharmacare. The submission recommended that any reform of the prescription drug system embody three elements: protecting and enhancing existing benefits plans, providing drug coverage for everyone, and ensuring affordability for consumers and taxpayers, including addressing high cost drugs.

    2020 Federal Pre-Budget Submission

    Published on 04/02/2020

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

    The CLHIA has submitted the industry’s views to the federal government’s 2020 pre-budget consultation. The submission focused on key policy areas including pharmacare, pensions, the capital tax on financial institutions, climate change, privacy of consumer information and infrastructure investment.

    Submission to Ontario Ministry of Finance Re: Individual Pension Plans and Designated Plans

    Published on 23/01/2020

    Pensions and Retirement > Employer pension plans

    On January 23, the CLHIA submitted comments on the Ontario Ministry of Finance’s consultation on the removal of Individual Pension Plans (IPPs) from the broad scope of pension law, as several other provinces have already done. The submission expressed support for this streamlining and cost reduction measure, while cautioning that this could limit protection for spouses and other plan beneficiaries and exemptions from seizure by the member's creditors. The CLHIA recommended further consideration before proceeding with removing IPPs from the ambit of Ontario's Pension Benefits Act.

    CLHIA Submission on New Brunswick Restricted Insurance Licensing Regime

    Published on 31/01/2020

    Distribution > Market conduct

    On January 31, the CLHIA submitted comments to New Brunswick's consultation on its proposed restricted insurance licensing regime. Overall, the submission was supportive of New Brunswick's efforts to harmonize with the restricted licensing regimes in Alberta, Saskatchewan and Manitoba. In some cases, where the approaches differ between Alberta, Saskatchewan and Manitoba, the submission recommends a particular approach based on the industry's practical experience.

    Submission presented as part of the consultations on the 2020-2021 Quebec budget

    Published on 30/01/2020

    Taxation > Provincial and Territorial Taxation

    The CLHIA met with opposition parties’ political advisors and staff from the Minister of Finance’s office to present recommendations for the 2020-21 Quebec budget. In its submission, the CLHIA stressed the importance of continuing to work with the government to implement measures to better control drug costs. We also explained the need for amendments to the financial sector legislation and for cooperation to find a solution to the problem of trafficking in life insurance policies. Lastly, we addressed the issue of abolishing the compensation tax, as well as the need for continuing efforts to mitigate climate change.

    2020 Newfoundland and Labrador Budget Submission

    Published on 30/01/2020

    Taxation > Provincial and Territorial Taxation

    CLHIA Comments on FSRA Guidance Framework 2020

    Published on 24/01/2020

    Compliance > Fair treatment of customers (FTC)

    On January 24, the CLHIA responded to FSRA's consultation on its new guidance framework, which will standardize the guidance it issues across regulated sectors. FSRA will use four distinct types of guidance to support requirements set out in legislation, regulations and rules: interpretations, information, approaches, and decisions. Every three to five years, FSRA will review the interpretations, information, and approaches. There is no defined review timeline for decisions. The regulator’s approach will be based on the principles of accountability, effectiveness, efficiency, adaptability, collaboration, and transparency. The CLHIA’s submission is supportive of FSRA's approach, notably the principles-based framework, and indicates the CLHIA’s appreciation for FSRA's collaborative approach and its focus on reducing regulatory burden.

    CLHIA Process on Electronic Declarations

    Published on 24/12/2019

    Trade & Commerce > Electronic Commerce

    Letter to the Attorney General of Ontario Re: Bill 161, Smarter and Stronger Justice Act, 2019

    Published on 23/12/2019

    Insurance > Provincial & Territorial Legislation

    2020 Nova Scotia Budget Submission

    Published on 20/12/2019

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    2020 Manitoba Budget Submission

    Published on 20/12/2019

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Pharmacare Provincial and Territorial Taxation Premium tax

    Enhancing retirement income options for Canadians

    Published on 29/11/2019

    Pensions and Retirement > CLHIA Pensions and Retirement Policy Paper Public pensions (OAS/CPP/QPP/GIS) Pooled registered pension plans/PRPPs (and provincial variations) Employer pension plans

    Comments on proposals to amend the Health Professions Act in British Columbia re: BC Reg 276/2008 and BC Reg 415/2008

    Published on 29/11/2019

    Group Insurance > Dental insurance

    On November 29, the CLHIA sent a letter of support to the College of Dental Surgeons of British Columbia regarding proposed changes to align the Dentists Regulation better to the Health Professions Act. The proposals are considered ‘housekeeping’ changes, given the shared scope of practice statements and restricted activities, including changes to standardized terms to align to the other oral health colleges’ regulations.

    Comments on O. Reg. 201/96, Ontario Drug Benefit Act 'Improving Value of Pharmacy Payments'

    Published on 27/11/2019

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    On November 27, the CLHIA wrote to the Ontario Ministry of Health with comments on proposed regulatory changes made in October that affect public drug programs and payments to pharmacists. The government is looking to replace the tiered mark-up and Meds Check budget proposals with a time-limited (until March 31, 2023) reconciliation adjustment process, resulting in an overall reduction in payments. While the proposed changes do not appear to impact private drug plans, the industry is concerned about the unintended consequences of reducing payments to pharmacists to such a degree, and have encouraged the government to involve CLHIA as a stakeholder to implementation.

    Comments on O. Reg. 201/96, Regulation 935 'Reducing Administrative Burden to Drug Manufacturers and Pharmacies'

    Published on 27/11/2019

    Prescription Drug Costs > Provincial & territorial drug program information

    Comments on Newfoundland's Dementia Care Action Plan Consultations

    Published on 25/11/2019

    Health Care Policy > Long-term Care

    CLHIA comments on Financial Services Regulatory Authority of Ontario (FSRA)'s proposed priorities

    Published on 18/11/2019

    Distribution > Market conduct

    On November 18, the CLHIA responded to the Financial Services Regulatory Authority of Ontario’s (FSRA) public consultation on its draft 2020-21 priorities and budget. Priority areas for the industry include “improving licensing effectiveness and efficiency” and “enhanced market conduct oversight to protect consumers”. The CLHIA indicated support for FSRA’s proposed priorities, noting that a reduction in regulatory burden and improvement to regulatory effectiveness would protect Ontarians and support the industry. It also commented on such proposed priorities as a review of inherited guidance, title protection, sector expertise, the creation of a code of conduct, a new agent conduct team, advisor oversight expectations and MGA oversight. With respect to the budget, there is a proposed payroll increase of $4.9 million for life insurance agent conduct regulation, about which the CLHIA indicated an interest in understanding more.

    Submission to Health Workforce Regulatory Oversight Branch re: RNs prescribing medications

    Published on 17/11/2019

    Group Insurance Prescription Drug Costs > Employee benefit plans Provincial & territorial drug program information Pharmacare

    Submission to the Department of Innovation, Science and Economic Development re: PIPEDA Modernization Proposals

    Published on 04/11/2019

    Trade & Commerce > Intellectual Property Privacy

    The CLHIA recently responded to a May discussion paper published by Innovation, Science and Economic Development Canada (ISED) aimed at modernizing PIPEDA, the private sector privacy legislation that applies to industry members everywhere in Canada except in Alberta, British Columbia and Quebec. In our submission, the CLHIA emphasized the importance of allowing for alternatives or exceptions to consent to facilitate use of personal information by business under specific circumstances including common uses of personal information for reasonable business activities. It also suggested amendments to the legislation to facilitate members’ efforts to fight fraud and confirmed the CLHIA’s interest in recognized voluntary codes of practices and certification schemes. In addition, the CLHIA reiterated its support for the Office of the Privacy Commissioner of Canada (OPC) Ombudsman model while commenting on the possible impact of giving the OPC additional powers.

    Submission to the Department of Finance Proposal to Improve the Tax System

    Published on 10/10/2019

    Taxation Pensions and Retirement > Federal Taxation Tax Deferred Products (RRSP, RESP, TFSA, RDSP, RRIF) Annuities

    On October 7, the CLHIA wrote to Finance Canada with recommendations to further expand the decumulation options for Canadians beyond what was promised in the 2019 federal budget. In particular, we advocate that insurers should be allowed to pool Variable Payment Life Annuities (VPLAs) across plans rather than requiring pooling to happen within each plan only. This would allow member to offer stand-alone "aggregator" VPLAs to increase scale and cost effectiveness for consumers. As well, we advocate that Canadians should be able to use savings in their TFSAs to purchase deferred annuities. Technical refinements to the VPLA and Advanced Life Deferred Annuity proposals have also been provided to Finance Canada.

    Life and health insurers paid out nearly $100 billion to support Canadians' health and financial security

    Published on 05/09/2019

    Capital and Assets Consumers Disability Distribution Group Insurance Health Care Policy Prescription Drug Costs Taxation > Long-term investments Minimum Continuing Capital and Surplus Requirements Complaint Handling Long term disability Market conduct Paramedical benefits Dental insurance Employee benefit plans Travel insurance Drug pricing Pharmacare Provincial and Territorial Taxation Policyholder Tax

    Earlier this month, the CLHIA released the annual “Fact book”, which is the most up-to-date collection of data on the life and health insurance industry and the products and services it provides to tens of millions of Canadians.

    Data in this year’s edition show that the industry:

  • Paid out $98 billion in benefits to Canadians last year, including $36 billion in health benefits for prescription drugs and for extended health providers like dentists and physiotherapists;

  • Worked hard to meet the promise of client satisfaction, with only one in 100,000 claims resulting in a complaint;

  • Provided over 156,000 domestic jobs and made $780 billion in long-term investments that contribute to Canada’s economic growth;

  • Maintains capital reserves 39 per cent higher than regulators’ targets, making insurers among the most stable and secure financial institutions in Canada; and

  • Offered financial protection services to 60 million people in 20 countries - exporting the strength of Canada’s insurers to the world.


  • The Canadian Life and Health Insurance Facts is produced annually and is a go-to resource for policy makers, journalists, academics, and industry insiders.

    CLHIA welcomes amendments to the Patented Medicine Prices Review Board Regulations

    Published on 09/08/2019

    Prescription Drug Costs > Drug pricing Pharmacare

    2020 Federal Pre-Budget Submission

    Published on 08/08/2019

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

    Submission to Health Canada Re: Draft Guidance (Accelerated Review of Human Drug Submissions)

    Published on 22/07/2019

    Prescription Drug Costs > Drug pricing Provincial & territorial drug program information

    On July 27, the CLHIA responded to Health Canada’s accelerated drug review pathway draft guidance, suggesting revisions in the areas of substantial evidence and promising evidence, as well as transparency in bridging indications from an established indication to a new indication. The CLHIA also suggested that there be more clarity and coordination among the national organizations assessing rare drugs, including Health Canada, pCPA, CADTH and INESSS. The draft guidance is meant to provide assistance to industry regarding the criteria to access an accelerated review, what a Notice of Compliance with conditions (NOCc) means to the manufacturer, the collection of real world evidence for rare diseases as well as other information important to manufacturers and insurers.

    2020 British Columbia Budget Submission

    Published on 28/06/2019

    Capital and Assets Group Insurance Prescription Drug Costs Taxation > Long-term investments Employee benefit plans Drug pricing Provincial and Territorial Taxation Premium tax

    Consultation on Comprehensive Review of Yukon Health & Social Services

    Published on 28/06/2019

    Prescription Drug Costs > Catastrophic drug coverage Drug pricing Pharmacare

    On June 28, the CLHIA responded to a recently established independent expert panel in Yukon that is reviewing six key areas within the delivery of healthcare and social services. The CLHIA provided comments into two areas of focus. Under Coordination of Care, within and out of territory, we cited areas of private healthcare funding for treatment/services that are being delivered remotely, including cognitive behavioral therapy and some elements of physical therapy programs. A second area of review was Pharmacare and Pharmaceutical Benefits. We agreed with the expert panel’s position that drug prices are too high and must be lowered for all Yukoners, including those with private benefit plans. The CLHIA also agreed on the need to identify those Yukoners lacking coverage or with limited coverage who could benefit from an established list of common medicines and to a coordinated private-public approach to rare diseases.

    Submission to Saskatchewan re The Massage Therapists Act

    Published on 25/06/2019

    Group Insurance > Regulated professions

    The province of Saskatchewan recently signaled its intention to regulate the practice of massage therapy by issuing the draft Massage Therapists Act for comment by stakeholders. In a submission to the Ministry of Health, the CLHIA expressed its support of regulation of massage therapy in Saskatchewan and other unregulated provinces. Regulation puts in place standards of practice, a formal complaints and disciplinary process and enhances the protection of the public in general. In addition, Saskatchewan residents would benefit from the Canadian Revenue Agency’s (CRA) tax-free treatment of services delivered by regulated healthcare providers, as this may increase access to care. Lastly, the CLHIA encouraged protection of titles such as 'Registered Massage Therapist' that are consistent across Canada.

    Alka Gautam Elected CLHIA Chair

    Published on 25/06/2019

    CLHIA Governance > Board of Directors

    BC Submission re: Cayton Report PIPA and Privacy

    Published on 14/06/2019

    Insurance Trade & Commerce Group Insurance > Provincial & Territorial Legislation Privacy Dental insurance

    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

    On June 12, the Advisory Council on the Implementation of National Pharmacare released its final report. So far the Federal Government response has been muted. The Minister of Health thanked the Council for their report but has not made any commitments with respect to next steps and the Minister of Finance has not made any public statement. The CLHIA news release can be found here.

    The highlights of the report include recommendations that:

    · Canada should adopt a universal, single-payer public pharmacare program. The program should be phased in over eight years
    · The federal government should establish a national standard formulary, and would require that out-of-pocket amounts for individuals be capped at $5 per prescription, with a co-pay of $2 per medicine up to an annual maximum of $100 per household
    · The federal government should finance the incremental costs to the provinces of moving to this model via a new dedicated federal transfer to the provinces
    · Provinces could opt-in to the program subject to agreeing to the requirements outlined above.

    Submission to Health Canada Re: Proposed Generic Drug Regulations

    Published on 07/06/2019

    Prescription Drug Costs > Generic drug pricing

    On June 7, the CLHIA wrote to Health Canada expressing support for its recent proposal to amend the definition of 'equivalence' when evaluating a new generic drug in comparison to the originator. The amended definition would allow a route to market for new generics that are not pharmaceutically equivalent to the reference product, but contain the same identical therapeutically active component, thereby improving choice and potentially resulting in lower costs for plan sponsors and members.

    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