Consistent Results Across Most of The Board
|
|
- Curtis Ryan
- 8 years ago
- Views:
Transcription
1 Canadian Health Care Trend Survey Results 2015
2 Consistent Results Across Most of The Board Our 2015 Health Care Trend Survey demonstrates that drug, health and dental cost trend factors have remained consistent with the results from As we do every year, we asked the major Canadian group insurance carriers to provide the annual inflation factors they are using to project health and dental claim costs for the upcoming year in the pricing of their premium rates. We then compared these factors to those provided in our previous surveys in order to get a sense of the long-term health care pricing trends for group insurance plans. The insurers provided us with inflation factors for each type of coverage: prescription drugs, medical, hospital and dental care. The factors account for the insurer s expected increases in claims resulting from the following: Cost inflation Increases in utilization of services New services and products entering the market Legislative changes Changes in the mix of services Shifting costs from the public to the private sector Despite last year s reduction in inflation factors for all of components of health care, this year the overall trend in cost increases showed a slight increase. Looking at all of the health care components on a blended basis, insurers are using an average factor 11.69%, up from 11.56% last year. With prescription drug costs representing the majority of private payer health spend, they have the greatest influence on employer benefit cost trends. Insurer s inflation factors for prescription drugs demonstrate an increase from 10.64% in 2014 to 11.57% for Hospital inflation factors have been consistently on the upswing from 2011 to 2014, however in 2015, there was a drop from 11.24% in 2014 to 9.70%, which is close to the 2013 trend factor. Expected utilization trend of dental services has increased from 5.47% in 2014 to 5.93% this year. Dental cost inflation varies across the country as each province publishes its own fee guide. Our composite fee guide factor over the previous five-year period reveals a slight decrease in the fee guide factor compared to each of the last four years. With the rate of utilization increasing and the slowing of dental cost inflation, there was a small anticipated net increase in total dental trend, from 7.81% in 2014 to 8.02% in
3 Qualification and Commentary The trend factors in this survey reflect insurers projected rates of inflation/claims tend in health and dental care costs: The final premium rate adjustment requested by an insurer may also reflect: Actual plan experience which is higher or lower than originally projected Changes in the insurer s administration expenses Cost of capital and risk charges Funding changes to insurer reserve requirements Changes in any explicit margins for conservatism Recovery of any prior period losses Plan sponsors therefore may see annual premium rate adjustments that differ from the health care trend factors summarized in this report. Our Canadian Health Care Trend Survey is conducted and published annually, although some insurers may update their trends more frequently. 3
4 Summary of Survey Results Health Care Overall Blended Health Care Trend % % % % % *Where insurers did not provide a blended health care factor; this was calculated using a breakdown of 70% for drugs, 25% medical (including vision) and 5% hospital % 11.67% 11.79% 11.56% 11.70% The trend has remained stable and significantly lower than the high reached in Additional commentary follows by component. Results by Benefit Three insurers provided trend factors for each of the health components separately versus using one trend factor for all components of health care. These results show the factors, broken down by component for those insurers who provided the breakdown. Coverage Average Annual Total Trend Factor Prescription Drugs % % % % % Medical Services and Supplies % % % % % Hospital % % % % % 14.20% 12.11% 11.69% 10.64% 11.57% 12.20% 11.14% 13.18% 13.68% % % 8.41% 9.73% 11.24% 9.70%
5 Prescription Drugs The impact of the generic drug price reforms in Alberta, Ontario, Quebec, British Columbia and Nova Scotia that began in 2010 and were phased in over three years can be seen in the historic insurer trend line. The reduced rate of increase was further supported by the expiry of the patents of several widely prescribed drugs through this period. It is interesting to note the trend rate seems to have bottomed-out in 2014 for insurers, while the experience of the Telus book of business suggests the trend has actually been on an upward, although significantly lower than that of the insurers, trajectory since Insurers are anticipating higher increases in the cost of drugs in 2015 than in This reflects both the increase in the utilization of drugs at all ages in the population as well as the release of new expensive drugs, such as the recently introduced drugs for the treatment of Hepatitis C. As insurers drug trends have decreased over the past few years, it was possible to become somewhat complacent in drug plan management, however the new upward direction and the Telus trend line remind us that appropriate plan design and management is key to sustainable affordability of drug plans. Average annual trend factor % % % % % 17.0% 12.0% 7.0% 2.0% -3.0% Insurers Telus Medical Services and Supplies (excluding prescription drugs) -8.0% Note: Telus data is actual, therefore only 2014 is available at the time of publication. The expected inflation has decreased from 2014, after two years of increases, although claims experience indicates increasing utilization under many of the catergories under services and supplies. Many of the covered services and supplies include an annual limit that restrains the inflation. While costs may be rising for a service such as physiotherapy treatment, the annual limit holds. This may result in the plan member receiving less treatment for the same cost to the plan, controlling the plan cost increases but shifting the cost to employees, potentially undermining the value of the benefit. Average annual trend factor % % % % % Hospital 14.0% 13.5% 13.0% 12.5% 12.0% 11.5% 11.0% 10.5% Hospital trend expected by insurers decreased this year, after four years of increases. This is somewhat surprising as hospitals across Canada are seeking increased revenue opportunities. However, with the shift toward outpatient care, shorter hospital stays for routine procedures, the use of drug therapy administered outside the hospital and hospital overcrowding, utilization may be falling slightly % % % % % Average annual trend factor 12.0% 11.0% 10.0% 9.0% 8.0% 5
6 Dental Care Dental trend factors are made up of two components. One is a utilization factor representing the expected increase in utilization of dental services from one year to the next. Each insurer sets this factor according to its own experience and projections. The other component is the increase in fees for dental services from one year to the next, as determined by the provincial dental associations. Dental Care (Utilization Only) The anticipated trend resulting from increased utilization is up slightly from 2014 s 5.47% at 5.93% for Average annual utilization factor % % % % % Dental Care (Fees) 6.0% 5.5% 5.0% 4.5% 4.0% 3.5% 3.0% Dental fee guides are published annually by the Dental Associations in most provinces. In the annual review, the Dental Associations determine the cost adjustment of each procedure code. A blended trend is used by insurers reflecting the typical spread of dental procedures claimed and the distribution of the population of a group throughout the provinces. To determine the five-year trend in overall fees, we developed a composite fee based on the distribution of Canada s labour force according to recent StatsCan labour statistics. The trend continues to decrease in 2015 to 2.09% from 2.34% in Composite fee guide % % % % % Dental Care (Utilization and Fees Combined) 3.0% 2.5% 2.0% 1.5% 1.0% Pricing for employer dental plans incorporates trend factors that combine both the utilization and fee components depending on the location or distribution of the workforce. The trend for the combined utilization and fee components increased from 7.81% in 2014 to 8.02% in Dental combined % % % % % 9.0% 8.5% 8.0% 7.5% 7.0% 6.5% 6.0% 6
7 Provincial General Practitioner Fees The following shows the average increase in general practitioner fees set out in the fee guides published each year across Canada by the provincial Dental Associations. The results show a lower increase than in 2014 for the majority of the provinces. Newfoundland & Labrador posted the largest decrease once again this year from 2.64% to 1.76%. Province Alberta % 4.24% 3.79% 3.77% 3.66% British Columbia 1.88% 2.22% 2.42% 1.86% 1.96% Manitoba 3.49% 3.24% 3.21% 3.16% 3.00% New Brunswick 2.36% 3.30% 2.11% 2.89% 2.04% Newfoundland & Labrador 5.98% 4.29% 4.97% 2.64% 1.76% Nova Scotia 2.39% 2.58% 2.53% 2.09% 2.20% Ontario 2.04% 2.66% 2.20% 1.97% 1.51% Prince Edward Island 2.25% 2.34% 2.80% 2.24% 2.22% Quebec 1.78% 2.29% 3.05% 2.23% 2.09% Saskatchewan 3.07% 3.00% 4.17% 2.49% 1.98% 2 Since the Alberta Dental Association does not publish a Fee Guide, it is common for insurers to use their own experience to determine increases required in conjunction with CLHIA data. Dental (Combined Trend by Province) As noted above, the trend factor that insurers use in their pricing of dental services consists of a combination of the utilization factor and fee guide increase and the province of residence of the employees. The following table shows the combined utilization and fee guide trend by province. As in previous reports, Alberta stands out as having the highest expected cost increases, exceeding 9% again. As it did last year, Manitoba shows the second highest expected cost increase, this year at 8.93%. The remaining provinces fall between 7.4% and 8.2%. The cross-section shows that there is significant variation among the provinces. Most provinces showed an increase in the expected cost increase from 2014: Alberta (9.24%), British Columbia (7.33%), Manitoba (8.63%), Nova Scotia (7.56%) Prince Edward Island (7.71%) and Quebec (7.70%) Dental Utilization and Fee Guide Increases by Province AB BC MB NB NL NS ON PE QC SK Province Increase Alberta % British Columbia 7.89% Manitoba 8.93% New Brunswick 7.97% Newfoundland & Labrador 7.69% Nova Scotia 8.13% Ontario 7.44% Prince Edward Island 8.15% Quebec 8.02% Saskatchewan 7.91% 7
8 Looking Ahead In looking back over the past four years, we can see the projected increases were significant. When piled on top of each other year-over-year, they mean benefit cost increases have well outpaced general inflation. Fortunately, many employer plans have performed below the insurer s anticipated rate of inflation, although still exceeding general inflation. While much of the trend is driven by external forces such as new developments in drugs and technology, the rate of increase may be impacted by plan design. Looking ahead we see no end to the rising cost of benefits. This upward trend is driven by health care inflation and utilization. However, we encourage a holistic approach to employee benefits in order to stem the tide. Some claims patterns can be changed through better consumer behavior. This can be managed with tools like claim costs through co-payments, a plan design that promotes the use of preferred providers and of course targeted communication educating employees around mitigating costs and shopping smart. Behaviour change is difficult to achieve, however, it can be impactful. As detailed in the results of Buck Consultants at Xerox s Working Well A Global Survey of Health Promotion, Workplace Wellness, and Productivity Strategies, workplace wellness initiatives can change the trend of Health Plan costs. While the impact of wellness on benefit cost is not widely measured by Canadian employers, 28% of survey participants from the U.S. indicated their wellness program reduced their Health trend rate. The same survey shows the majority of Canadian participants (88%) do not have specific measures for the outcomes of their wellness programs. The top three wellness outcomes identified by Canadian employers in the survey are: Reducing employee absence due to sickness or disability; Improving worker productivity/reducing presenteeism; Improving workforce morale/engagement; and Reducing health care or insurance premium costs. These outcomes can all be quantified to some degree, although reducing employee absence and health care and insurance costs are definitely measurable. Canadian employers do not typically leverage risk assessments or even their plan claims data to tailor wellness initiatives to their employee population with the intention of addressing modifiable health risk factors or improving treatment compliance for better outcomes. Our framework for future cost management proposes an employer-employee relationship based on the concept that employers can create a workforce of informed, engaged consumers. These consumers will make better decisions to further modify their claims patterns, reflecting positive outcomes through behavior changes in other aspects of their lives, that will reduce the trend line in the future. Conclusion It s a given that medical, prescription drugs and dental plans will account for a major portion of an employer s costs. An aging population and advances in technology suggest that the trend will continue upward. And while many employers currently feel that they reinforce a healthy lifestyle and smart consumerism through the benefit plan they provide to their employees, wellness programs that build a healthier, better educated workforce better may be the best cost containment strategy for the future. If you would like to discuss the details of your plan and possible enhancements or modifications to better align with corporate objectives or to reduce the trend rate of your plan, please contact us. 8
9 Participating Organizations Desjardins Financial Securities Great-West Life Green Shield Industrial Alliance Manulife Financial Medavie Blue Cross SSQ Financial Standard Life Sun Life Financial Contact Us Promoting a culture of health in your organization has never been more important. We can help you develop, update, or enhance your health care programs to keep your offerings competitive, your costs under control, and your employees healthy and productive. Buck Consultants, A Xerox Company 155 Wellington Street West, Suite 3000 Toronto, ON M5V 3H1 Phone: Fax: Toronto: Montreal: Ottawa: This survey is also available electronically at Xerox Corporation and Buck Consultants, LLC. All rights reserved. Xerox and Xerox and Design are registered trademarks of Xerox Corporation in the United States and/or other countries. Buck Consultants is a registered trademark of Buck Consultants, LLC. in the United States and/or other countries. BR15653
4.0 Health Expenditure in the Provinces and Territories
4.0 Health Expenditure in the Provinces and Territories Health expenditure per capita varies among provinces/territories because of different age distributions. xii Population density and geography also
More informationEmployment termination and group insurance coverage
HEALTH & DENTAL / DISABILITY, LIFE AND AD&D 14-11 Employment termination and group insurance coverage This GroupLine is a revised version of GroupLine 07-02. Previous versions also include 05-21, 02-11
More informationInstructions NDEB Equivalency Process
NDEB Equivalency Process Table of Contents Submitting an online application... 3 Website... 3 Online registration portal... 5 Submitting required documents... 10 Application Instructions-Final.docx 2 /
More informationUniversity tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014
University tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014 Canadian full-time students in undergraduate programs paid 3.3% more on average in tuition
More informationHealth Care Coverage and Costs in Retirement
Health Care Coverage and Costs in Retirement Health care coverage and costs should be an important consideration in your retirement planning. You need to have an idea of what coverage you will need and
More informationAtlantic Provinces 71 COMMUNITIES
NATIONAL STUDY OF AUTOMOBILE INSURANCE RATES Third Release Atlantic Provinces 71 COMMUNITIES vs. British Columbia, Alberta Saskatchewan, Manitoba & Ontario 3,985,162 Auto Insurance Rates Compared October
More informationEngineers Canada 2012 Membership Survey
Engineers Canada 2012 Membership Survey June 3, 2013 Contents List of Tables... i List of Figures... ii Descriptions of Membership Categories... iii 1 Introduction... 1 2 Membership Composition... 1 2.1
More informationStatus of Extended Health Insurance Companies Note: this does not include other types of insurance such as workers compensation or veterans benefits.
1 Status of Extended Health Insurance Companies Note: this does not include other types of insurance such as workers compensation or veterans benefits. Status as of February 19, 2008 AIG Life of Canada
More informationCLHIA Submission to the New Brunswick Advisory Committee on Health Benefits Concerning Developing a Drug Plan for Uninsured New Brunswickers
CLHIA Submission to the New Brunswick Advisory Committee on Health Benefits Concerning Developing a Drug Plan for Uninsured New Brunswickers 1 Queen Street East Suite 1700 Toronto, Ontario M5C 2X9 1, rue
More informationDIGITAL ECONOMY ANNUAL REVIEW
DIGITAL ECONOMY ANNUAL REVIEW LABOUR MARKET DIGITAL ECONOMY TALENT ICT 2 0 1 4 THE INFORMATION AND COMMUNICATIONS TECHNOLOGY COUNCIL (ICTC) RESEARCH BY: THE INFORMATION AND COMMUNICATIONS TECHNOLOGY COUNCIL
More informationAnalytical Bulletin Certified and Non-Certified Specialists: Understanding the Numbers
Analytical Bulletin Certified and Non-Certified Specialists: Understanding the Numbers CIHI Physician Databases 2004:2 Introduction Physician count information is available from a number of Canadian data
More informationH - Pharmacy Technicians
/ Hospital Pharmacy in Canada Report Chapter H Pharmacy Technicians H - Pharmacy Technicians Kyle MacNair, Chuck Wilgosh Introduction The landscape of pharmacy technician practice in Canada is rapidly
More informationHouse for sale (Dept. of Finance) Real Estate
House for sale (Dept. of Finance) Real Estate The residential real estate market turned in another solid performance in 2010. Strong demand for housing during the first half of 2010 was fuelled by record
More informationCanadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT
Canadian Provincial and Territorial Early Hearing Detection and Intervention (EHDI) Programs: PROGRESS REPORT www.sac-oac.ca www.canadianaudiology.ca 1 EHDI PROGRESS REPORT This progress report represents
More informationAdditional Tables, Youth Smoking Survey 2008-09
Additional Tables, Youth Smoking Survey 2008-09 Table 1. cigar use in last 30 days, cigarillo/little cigar/cigar use in last 30 days, cigarette use in the last 30 days, self defining as a smoker, Canada,
More informationD HUMAN RESOURCES MICHELE BABICH
D HUMAN RESOURCES MICHELE BABICH In the 2007/08 Hospital in Canada Report it was noted that the Health Council of Canada Report had stated that human resource shortages are perhaps the most serious challenge
More informatione-brief Equipping Ourselves in Tough Times: Canada s Improved Business Investment Performance By Colin Busby and William B.P.
e-brief July 9, 2009 I N D E P E N D E N T R E A S O N E D R E L E V A N T ECONOMIC GROWTH AND INNOVATION Equipping Ourselves in Tough Times: Canada s Improved Business Investment Performance By Colin
More informationTobacco Use in Canada: Patterns and Trends. 2012 Edition
Tobacco Use in Canada: Patterns and Trends 212 Edition Tobacco Use in Canada: Patterns and Trends 212 Edition This report was prepared by Jessica Reid, MSc, and David Hammond, PhD. Data analysis was completed
More informationAPPLICATION FOR PROFESSIONAL AND COMMERCIAL GENERAL LIABILITY INSURANCE FOR MEMBERS OF THE CANADIAN ASSOCIATION OF OPTOMETRISTS
Canadian Association of Optometrists APPLICATION FOR PROFESSIONAL AND COMMERCIAL GENERAL LIABILITY INSURANCE FOR MEMBERS OF THE CANADIAN ASSOCIATION OF OPTOMETRISTS Name of Applicant: Business/Corporation
More informationReport of the CMEC Quality Assurance Subcommittee
Report of the CMEC Quality Assurance Subcommittee 2007 2007 CMEC Jurisdictional Update on Activities Related to Quality Assurance Introduction In February 2007, ministers responsible for advanced education
More information2010 National Physician Survey :
2010 National Physician Survey : Family Physician Usage of Electronic Medical Records Inese Grava-Gubins, Artem Safarov, Jonas Eriksson College of Family Physicians of Canada CAHSPR, Montreal, May 2012
More informationFraser Alert. Canadians Celebrate Tax Freedom Day on June 6. June 2009. Main Conclusions. Market solutions to public policy problems
Fraser Alert Market solutions to public policy problems June 2009 Canadians Celebrate Tax Freedom Day on June 6 Main Conclusions On Tax Freedom Day, the average Canadian family has earned enough money
More informationResolving Customer Complaints
Resolving Customer Complaints When a Problem Occurs - We Can Help As an MCAP Client you have come to expect a high level of customer service. If you have a complaint regarding our service or policy, we
More informationArticle from: The Actuary Magazine. October/November 2013 Volume 10, Issue 5
Article from: The Actuary Magazine October/November 2013 Volume 10, Issue 5 the increase in drug costs for private plans is about 5.2 percent per year, while the annual growth for governmentsponsored drug
More informationAGREEMENT IN PRINCIPLE Labour Mobility Chapter of the Agreement on Internal Trade/Teaching Profession 1999 09 29
AGREEMENT IN PRINCIPLE Labour Mobility Chapter of the Agreement on Internal Trade/Teaching Profession 1999 09 29 This agreement in principle is developed in conformity with the provisions of Chapter 7
More informationResponse to the New Brunswick Government Consultation on a Prescription Drug Plan for Uninsured New Brunswickers
Response to the New Brunswick Government Consultation on a Prescription Drug Plan for Uninsured New Brunswickers Brief submitted by The New Brunswick Nurses Union April 2012 Background The New Brunswick
More informationThe Regulation and Supply of Nurse Practitioners in Canada: Health Expenditure Estimates
The Regulation and Supply of Nurse Practitioners in Canada: Preliminary Technical Provincial Appendix and Territorial Government Health Expenditure Estimates 1974 1975 to 2004 2005 The Regulation and
More informationPatterns of Job Growth and Decline
Patterns of Job Growth and Decline www.brandonu.ca/rdi/ July 2014 Highlights In Manitoba, 34% of employment is in non-metro, higher than the 28% share for Canada. Manitoba s non-metro employment has shown
More informationNursing Education in Canada, Consolidated Statistics for Entry-to-Practice Certificate, Diploma and Baccalaureate Programs: 2006-2007
STATISTICS Nursing Education in Canada, Consolidated Statistics for Entry-to-Practice Certificate, Diploma and Baccalaureate Programs: 2006-2007 The Canadian Association of Registered Psychiatric Nurse
More informationBRM Programs What to Expect for the 2013 Program Year
Growing Forward 2 is a five-year policy framework for Canada s agriculture and agri-food sector and the basis for the delivery of federal-provincial-territorial programs. Growing Forward 2 includes ongoing
More informationRx Atlas. The Canadian. Third Edition. The following pages are an excerpt from. December 2013
The following pages are an excerpt from The Canadian Rx Atlas Third Edition December 2013 British Columbia Alberta Saskatchewan Manitoba Ontario Quebec New Brunswick Nova Scotia Newfoundland and Labrador
More informationOur Employees. CIBC s vision, mission and values are at the centre of our commitment to create an environment where all of our employees can excel.
Our Employees CIBC s vision, mission and values are at the centre of our commitment to create an environment where all of our employees can excel. CIBC focuses on the things that matter to our employees
More informationFAIRNESS IN INTEREST GRACE PERIOD Eliminating the Interest During a Student s Immediate Post-Loan Grace Period 49% $716
FAIRNESS IN INTEREST GRACE PERIOD Eliminating the Interest During a Student s Immediate Post-Loan Grace Period Currently, at the conclusion of a student loan period, students are given a six month grace
More informationPROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation
PROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation Almost all of the provinces and territories either had existing labour legislation
More informationThe False Promise of Government Auto Insurance: Estimating Average Auto Insurance Premiums in Ten Provinces, 2004-05
The False Promise of Government Auto Insurance: Estimating Average Auto Insurance Premiums in Ten Provinces, 2004-05 By Brett J. Skinner Contents Executive Summary / 2 Introduction / 3 Private sector versus
More informationReport of the Advisory Committee on Health Benefits: An Insurance Plan for Prescription Drugs for Uninsured New Brunswickers
Report of the Advisory Committee on Health Benefits: An Insurance Plan for Prescription Drugs for Uninsured New Brunswickers Prepared for ESIC Board of Directors Final Report December 2012 Final Report
More informationPharmacist Workforce, 2012 Provincial/Territorial Highlights
pic pic Pharmacist Workforce, 2012 Provincial/Territorial Highlights Spending and Health Workforce Our Vision Better data. Better decisions. Healthier Canadians. Our Mandate To lead the development and
More informationCHAPTER 4. Eye Care in the Private Sector: Innovation at the Service of Patients
CHAPTER 4 Eye Care in the Private Sector: Innovation at the Service of Patients In Canada, it is professionals working essentially in private practices who provide patients with the eye and vision care
More informationSaskatchewan Small Business Profile 2012
Saskatchewan Small Business Profile 2012 October 2013 Economic and Competitive Analysis Branch www.economy.gov.sk.ca Table of Contents INTRODUCTION... 1 KEY FACTS... 3 1. SMALL BUSINESS SECTOR... 4 2.
More informationStreet Smart: Demographics and Trends in Motor Vehicle Accident Mortality In British Columbia, 1988 to 2000
Street Smart: Demographics and Trends in Motor Vehicle Accident Mortality In British Columbia, 1988 to 2000 by David Baxter 3-Year Moving Average Age Specific Motor Vehicle Accident Death Rates British
More informationThe Dietitian Workforce in Canada
The Dietitian Workforce in Canada Meta-Analysis Report MARCH 2011 www.dietitians.ca www.dietetistes.ca Dietitians of Canada 2011. All rights reserved. DIETITIANS OF CANADA 1 Executive Summary The purpose
More informationIncome tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013
Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Federal income tax rates for income earned by a CCPC 1 Small Active Income between $400,000 and General Active General corporate
More informationHealth and Safety - Are you in danger? Health and Safety Awareness. Why is health and safety awareness important?
Health and Safety - Are you in danger? This summer, thousands of students across Canada will become employed in small and medium businesses, and in institutions such as hospitals and schools. Some will
More informationOccupational Injuries and Diseases in Canada, 1996 2008
Fair, Safe and Productive Workplaces Labour Occupational Injuries and Diseases in Canada, 1996 2008 Injury Rates and Cost to the Economy Jaclyn Gilks and Ron Logan Research and Analysis, Occupational Health
More informationCollege of Nurses of Ontario. Membership Statistics Highlights 2014
College of Nurses of Ontario Membership Statistics Highlights 2014 Revised February 25, 2015 VISION Leading in regulatory excellence MISSION Regulating nursing in the public interest Membership Statistics
More informationArticle. Work absences in 2011. by Maria Dabboussy and Sharanjit Uppal
Component of Statistics Canada Catalogue no. 75-001-X Perspectives on Labour and Income Article Work absences in 2011 by Maria Dabboussy and Sharanjit Uppal April 20, 2012 Statistics Canada Statistique
More informationAttachment A. Electricity Rate Comparison Annual Report. May 1, 2011 Rates
Electricity Rate Comparison Annual Report May 1, 2011 Rates List of Tables Table 1 Residential Monthly Bills... 4 Table 2 Small Power Monthly Bills... 5 Table 3 Medium Power Monthly Bills... 6 Table 4
More informationMortgage Loan Insurance Business Supplement
CANADA MORTGAGE AND HOUSING CORPORATION Mortgage Loan Insurance Business Supplement YEAR-END December 31, March 31, The following Mortgage Loan Insurance Business Supplement is prepared for the year ending
More informationCONTENTS. Executive Summary... 3 BC Labour Market. Credentials. Employment Outcomes
CONTENTS Executive Summary... 3 BC Labour Market Skills Deficit 2016 to 2020. 5 Labour Market Outlook 2010 to 2020. 6 Employment by Sector..... 7 Job Openings 2010 to 2020..... 8 Regional Job Openings
More informationWant to know. more. about. midwives? Promoting social change through policy-based research in women s health
Want to know more midwives? about Promoting social change through policy-based research in women s health What is a midwife? A midwife is a health care professional who provides care to women throughout
More informationTHE PRIVATE PROVISION AND INSURANCE OF DIAGNOSTIC IMAGING SERVICES IN CANADA
THE PRIVATE PROVISION AND INSURANCE OF DIAGNOSTIC IMAGING SERVICES IN CANADA Nathaniel De Bono; Project Manager Renee Carter; MSc Dr. Amélie Quesnel-Vallée; PhD International Research Infrastructure on
More informationDoes Private Insurance Protect Canadians from the Cost of Cancer Drugs?
Does Private Insurance Protect Canadians from the Cost of Cancer Drugs? by CHRIS BONNETT Private health insurance, the largest part being prescription drug coverage, has become the security blanket for
More informationControl and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014
Control and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014 Beer and liquor stores and agencies sold $21.4 billion
More informationBLUEPRINT FOR THE FEDERATION OF IDENTITY MANAGEMENT
BLUEPRINT FOR THE FEDERATION OF IDENTITY MANAGEMENT Identity Policy and Programs (IPP) June 7, 2010 - Draft Page 1 of 29 TABLE OF CONTENTS BLUEPRINT FOR THE...4 Executive Summary...4 FEDERATION OF IDENTITY
More informationMEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams
MEMBER RETIREMENT INCOME OPTIONS Achieve Your Retirement Dreams Achieve Your Retirement Dreams With a Registered Retirement Income Fund (RRIF) Wise Ways to Make the Most of Your Money Now that you re getting
More informationCatalogue no. 89-640-X. 2008 General Social Survey: Selected Tables on Social Engagement
Catalogue no. 89-640-X 2008 General Social Survey: Selected Tables on Social Engagement 2008 How to obtain more information For information about this product or the wide range of services and data available
More informationPublic Health Care - Drug Spending in Ontario, Canada
daleorr@economicinsight.ca June 21 Is Controlling Spending on Drugs the Key to Controlling the Health Care Budget? It is well known that spending by governments on health care has far outpaced growth in
More informationPolicy in Focus SUMMARY. Maytree. Featured Research. Fix Employment Insurance to support the temporarily unemployed. Background and Context...
The Maytree Foundation Maytree Policy in Focus issue 2 Dec 07 Background and Context...2 Employment Insurance Doesn t Insure Many Canadians Featured Research...4 Towards a New Architecture Canada s Adult
More informationCMHC Mortgage Loan Insurance Overview
CMHC Mortgage Loan Insurance view Mortgage loan insurance is typically required when homebuyers make a down payment of less than 2% of the purchase price. Mortgage loan insurance helps protect lenders
More informationControl and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013
Control and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013 Beer and liquor stores and agencies sold $20.9 billion
More informationHow is poverty measured in Canada?
How is poverty measured in Canada? Unlike the United States and some other countries, Canada has no official, governmentmandated poverty line. It is generally agreed that poverty refers to the intersection
More informationONE INTERESTING DEVELOPMENT in the labour
Health-related insurance for the self-employed Ernest B. Akyeampong and Deborah Sussman ONE INTERESTING DEVELOPMENT in the labour market in the 199s was the rapid growth of self-employment relative to
More informationPROVINCIAL OUTLOOK UPDATE February 6, 2015
PROVINCIAL OUTLOOK UPDATE February 6, 2015 Real GDP growth 2015 Annual % change CANADA B.C. 2.4 2.7 2.9 3.1 Several developments have occurred since the publication of our most recent Provincial Outlook
More informationGuide to Canadian benefits Legislation
Guide to Canadian benefits Legislation 2014 PROVINCIAL ROADMAP PROVINCIAL ROADMAP to the Canadian Benefits Legislation Landscape BC-ALBERTA-SASK - 1 The federal government, ten provinces, and three territories
More informationSprott Flow-Through Limited Partnerships. Sprott Tax-Assisted Investments
Sprott Flow-Through Limited Partnerships Sprott Tax-Assisted Investments sprott asset management lp Natural resources an essential element of a well-structured investment portfolio Adding natural resource
More information2015 Annual Alberta Labour Market Review. Employment. Unemployment. Economic Regions. Migration. Indigenous People. Industries
2015 Annual Alberta Labour Market Review Employment. Unemployment. Economic Regions Migration. Indigenous People. Industries Occupations. Education. Demographics Employment Despite the economic downturn,
More informationFunds for Fleets. A guide to government funding opportunities for employers in Canada s trucking industry
Funds for Fleets A guide to government funding opportunities for employers in Canada s trucking industry Funds for Fleets Government funding opportunities for employers in Canada s trucking industry 1.
More informationComplaints or concerns about health care services or business services can be directed to a number of sources.
What to do if you are not happy with service you received from your ENT, Audiologist, Speech- Language Pathologist, Hearing Aid Dispenser or Service Provider. Complaints or concerns about health care services
More informationProposed Amendments to the Fatal Accidents Act Discussion Paper. Prepared by the Department of Justice
Proposed Amendments to the Fatal Accidents Act Discussion Paper Prepared by the Department of Justice Contents About the proposed Amendments to the Fatal Accident Act... 3 Background and Purpose... 4 Proposed
More informationResearch Paper. Funding of Public Personal Injury Compensation Plans
Research Paper Funding of Public Personal Injury Compensation Plans Committee on Workers Compensation April 2011 Document 211038 Ce document est disponible en français 2011 Canadian Institute of Actuaries
More informationCompetitive Alternatives 2014: Special Report - Focus on Tax
Competitive Alternatives 2014: Special Report - Focus on Tax Focus on Tax is a supplement to the 2014 Competitive Alternatives report, a global report released in March examining significant business costs
More informationJ.D. Power Reports: Canadian Wireless Network Performance: No Service, No Satisfaction
Kw J.D. Power Reports: Canadian Wireless Network Performance: No Service, No Satisfaction and Tie for Highest Rank in the Ontario Region; SaskTel Ranks Highest in the West Region; and Videotron Ranks Highest
More informationOverview How BC teacher salaries rank among the provinces and territories in 2011
13 BARGAINING PROPOSAL BRITISH COLUMBIA TEACHERS FEDERATION Document Number: U102 Date: Time: Overview How BC teacher salaries rank among the provinces and territories in 2011 Minimum The minimum salary
More informationSpending on Postsecondary. of Education, Fact Sheet. Education Indicators in Canada. June 2011
Catalogue no. 81-599-X Issue no. 007 ISSN: 1709-8653 ISBN: 978-1-100-18860-7 Education Indicators in Canada Spending on Postsecondary Education June 2011 Tourism and the Centre for Education Statistics
More informationParents and employers must ensure
Guide to Child Labour Laws in Canada Parents and employers must ensure that the safety and health at work of employed youths are protected. Where children are employed, employers must make special efforts
More informationTobacco Use in Canada: Patterns and Trends
Tobacco Use in Canada: Patterns and Trends 214 EDITION University of Waterloo I Waterloo, Ontario www.tobaccoreport.ca Tobacco Use in Canada: Patterns and Trends 214 Edition This report was prepared by
More informationNCLEX-RN 2015: Canadian Results. Published by the Canadian Council of Registered Nurse Regulators (CCRNR)
NCLEX-RN 2015: Canadian Results Published by the Canadian Council of Registered Nurse Regulators (CCRNR) March 31, 2016 Contents Message from the president 3 Background on the NCLEX-RN 4 The role of Canada
More informationIf you have an accident
LABOUR PROGRAM If you have an accident What to do and how to do it LT-058-03-05 This publication is available in multiple formats (large print, audio cassette, braille and diskette) in English and French.
More informationTobacco Use in Canada: Patterns and Trends
Tobacco Use in Canada: Patterns and Trends 21 EDITION University of Waterloo Waterloo, Ontario www.tobaccoreport.ca Tobacco Use in Canada: Patterns and Trends 21 Edition This report was prepared by Jessica
More informationRed Seal Endorsement and Employer Satisfaction in Private Sector
Survey of Employers in Specific Trades Regarding the Red Seal Program FINAL REPORT Submitted to: John Kealey Trades and Apprenticeship Division Human Resources and Skills Development Canada EKOS RESEARCH
More informationRegulatory, Professional Liability and Payment for Telemedicine in Canada
Regulatory, Professional Liability and Payment for Telemedicine in Canada Presented by: Dr. Rob Williams, CMO, Ontario Telemedicine Network 2013 ATA Fall Forum, September 8 th, 2013 Toronto ON AGENDA Regulatory,
More informationehealth across Canada 2008 European ICT Mission January 28-February 5 (Stockholm, Helsinki, Oslo, Copenhagen, Brussels, Nuremberg, Amsterdam)
ehealth across Canada 2008 European ICT Mission January 28-February 5 (Stockholm, Helsinki, Oslo, Copenhagen, Brussels, Nuremberg, Amsterdam) Branham Group Inc. Introduction Agenda Branham ehealth 2007
More informationNotices / News Releases
Chapter 1 Notices / News Releases 1.1 Notices 1.1.1 CSA Staff Notice 45-314 Updated List of Current Exempt Market Initiatives January 28, Introduction CSA Staff Notice 45-314 Updated List of Current CSA
More informationProfessional Corporations An Attractive Option
Professional Corporations An Attractive Option Recent and planned corporate income tax rate reductions mean that now is a good time for eligible professionals to consider incorporating their practices.
More informationDEGREE PROGRAM DEVELOPMENT STATUS CHART
DEGREE PROGRAM DEVELOPMENT STATUS CHART For As of September 18th, 2003: This information is accurate (to the best of our knowledge) as provided to CAMRT by Provincial Member Associations and Education
More informationAlberta Government Health Insurance Plan offers Limited Coverage.
Alberta Government Health Insurance Plan offers Limited Coverage. Alberta government provides supplementary health coverage via Blue Cross to individuals in low-income; assured-income or other programs
More informationIssues in Canadian Universities and Impact on Business Schools
Issues in Canadian Universities and Impact on Business Schools November 14, 2012 Carleton University, Ottawa, Ontario By Christine Tausig Ford, Vice-President and Chief Operating Officer, AUCC Summary
More information2016 CARE. Chartered Accountancy Reciprocity Examination
2016 CARE Chartered Accountancy Reciprocity Examination Information for Applicants Seeking to Qualify as Chartered Professional Accountants, Chartered Accountants and as Public Accountants in Ontario Preface
More informationPublic Health Care Insurance in Canada:
A Comparison of Provincial and Territorial Programs Provisions current to October 1 2010 A Comparison of Provincial and Territorial Programs i CANADA Supplementary group employee health benefit programs,
More informationEconomic Impacts of MLS Home Sales and Purchases in Canada and the Provinces
Economic Impacts of MLS Home Sales and Purchases in Canada and the Provinces Economic Impacts of MLS Home Sales and Purchases in Canada and the Provinces Prepared for: The Canadian Real Estate Association
More informationSoftware Development and Computer Services
Catalogue no. 63-255-X. Service bulletin Software Development and Computer Services 2011. Highlights revenue in the Canadian software development and computer services industry group increased by 9.5%
More informationCanadian Gambling Digest 2013-2014
Canadian Gambling Digest 213-214 Prepared by the Responsible Gambling Council on behalf of the Canadian Partnership for Responsible Gambling. August, 215. Canadian Gambling Digest 213-14 Introduction a
More informationCanadian Public / Private Travel Health Insurance - A Consumer s Report
Canadian Public / Private Travel Health Insurance - A Consumer s Report An analysis of information obtained from response to a survey on Travel Health Insurance sent to Provincial Ministers of Health in
More informationRegulated Nurses, 2012 Summary Report
Spending and Health Workforce Our Vision Better data. Better decisions. Healthier Canadians. Our Mandate To lead the development and maintenance of comprehensive and integrated health information that
More informationRegulation of Paramedics and Emergency Medical Attendants: A Jurisdictional Review
Regulation of Paramedics and Emergency Medical Attendants: A Jurisdictional Review Health Professions Regulatory Advisory Council (HPRAC) Regulation of Paramedics and Emergency Medical Attendants: A Jurisdictional
More information