Rich Man, Poor Man: The Policy Implications of Canadians Living Longer
A longevity gap between rich and poor has persisted over the years in Canada with significant policy implications, according to a new report from the C.D. Howe Institute. In “Rich Man, Poor Man: The Policy Implications of Canadians Living Longer” – the first study of long-term changes in longevity across earnings groups in Canada – […] The Regent Debate: Hugh Segal – The Case for a Universal Basic Income
In the C.D. Howe Institute’s inaugural Regent Debate four prominent voices sparred over the following question: Should Western democracies, such as Canada, establish a universal basic income? Today, former senator Hugh Segal’s argument in the affirmative. I will be humble in my presentation except to say this: Janice (MacKinnon) made some very good points. None […] The Regent Debate: Conrad Black – The Case against a Universal Basic Income
In the C.D. Howe Institute’s inaugural Regent Debate four prominent voices sparred over the following question: Should Western democracies, such as Canada, establish a universal basic income? Today, Conrad Black’s argument against. I would say of the subject tonight that, as Mark Twain said of Richard Wagner’s music, “It’s not as bad as it sounds.” […] The Regent Debate: Paul Begala – The Case for Universal Basic Income
In the C.D. Howe Institute’s inaugural Regent Debate four prominent voices sparred over the following question: Should Western democracies, such as Canada, establish a universal basic income? Today, we present CNN commentator Paul Begala’s argument in favour. We face a crisis of work. Automation, technology, and artificial intelligence are changing the very nature of work […] Bonnie-Jeanne MacDonald – After 85: How Pooled Risk Insurance Can Give Seniors Financial Protection
From: Bonnie-Jeanne MacDonald To: Middle Class Baby Boomers Date: July 27, 2018 Re: After 85: How Pooled Risk Insurance Can Give Seniors the Financial Protection They Want and Need (In a midsummer revisit to recent Intelligence Memos, we republish this.) With Canadians living longer, running out of savings in old age is a real possibility. In my recent report, […]Let Canadians Defer Public Pensions To Age 75 — It Would Save Them Tens Of Thousands – Financial Post Op-ed
Canadians want a reliable retirement income so they can enjoy life without worrying about outliving their savings. They also want flexibility so they can adapt to changing circumstances, particularly relative to their health. Delaying receipt of public-pension benefits — Canada or Quebec Pension Plans (C/QPP) and Old Age Security (OAS) — to age 75 can help on both counts.
Retirement planning is challenging. Most of us struggle with how much money we need to save, and we see post-retirement financial decisions as a separate and secondary consideration. Yet, as we show in our recent C.D. Howe Institute study, the manner in which savings are used in retirement has a direct impact on how much we need to accumulate prior to retirement…
Deferring Receipt of Public Pension Benefits: A Tool for Flexibility
June 26, 2018 – Retirement savers would benefit from greater flexibility and security with a longer Canada and Québec Pension Plans (C/QPP) deferral period, according to a new report by the C.D. Howe Institute. In “Deferring Receipt of Public Pension Benefits: A Tool for Flexibility” authors Antoine Genest-Grégoire, Luc Godbout, René Beaudry, and Bernard Morency […] Un Allongement Des Périodes De Report Du Rrq/rpc Et De La Psv Profiterait à Ceux Qui épargnent En Vue De La Retraite
Ceux qui épargnent en vue de la retraite profiteraient de plus de flexibilité et de sécurité financière grâce à une période de report plus longue pour leurs prestations de la sécurité de la vieillesse (PSV), du Régime de rentes du Québec (RRQ), et du Régime de pensions du Canada (RPC), selon une nouvelle étude de […] Robson, Laurin – The Surprising Hidden Costs of Federal Employee Pensions
From: William B.P. Robson and Alexandre Laurin To: Canadian Taxpayers Date: June 5, 2018 Re: The Surprising Hidden Costs of Federal Employee Pensions Taxpayers are on the hook for the unfunded liability of pension plans for federal employees, and official figures for federal pension obligations understate future costs and leave many plans seriously underfunded. The […]Retiring Employees, Unretired Debt: The Surprising Hidden Cost of Federal Employee Pensions
Taxpayers are on the hook for the unfunded liability of pension plans for federal employees, according to a new report published by the C.D Howe Institute. In “Retiring Employees, Unretired Debt: The Surprising Hidden Cost of Federal Employee Pensions” authors William B.P. Robson and Alexandre Laurin argue that official figures for federal pension obligations understate […] A basic universal income in Canada is more realistic than you think: Maclean’s
Hugh Segal is principal of Massey College. He served in the Canadian Senate as a Conservative from Ontario and was vice-chair of the subcommittee on urban poverty.
Every democracy’s internal legitimacy is tied to how fair the residents of that country feel…
Inflated Expectations: More Immigrants Can’t Solve Canada’s Aging Problem on Their Own
Higher immigration can ease, but not entirely mitigate, the impacts of demographic change on the workforce, according to a new report from the C.D. Howe Institute. In “Inflated Expectations: More Immigrants Can’t Solve Canada’s Aging Problem on Their Own” authors William B.P. Robson and Parisa Mahboubi encourage governments to adopt policies to complement immigration that […]