Ontario widow denied life insurance payout
Ontario widow denied life insurance payout
If you have a life insurance policy you should check to make sure it's in good standing and you're up to date on your payments. If you're denied a life insurance claim you can also appeal the decision.
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CBC
15 minutes ago
- CBC
Regulator criticizes relaxed labour mobility rules, says some Manitoba nurses can't perform 'very basic' tasks
Social Sharing Manitoba's nursing regulator says some of the province's newest nurses struggle with basic tasks like taking blood pressure or administering medication, as the College of Registered Nurses of Manitoba speaks out against a recent ministerial order to remove what it calls a guardrail for patient safety in the interest of labour mobility. On Wednesday, the college said in an April letter, Health Minister Uzoma Asagwara ordered it to remove a requirement stating nursing applicants registered to practise elsewhere — known as "labour mobility applicants" — needed to have a certain number of hours of practise in Canada in the last two to five years before being allowed to work in Manitoba. College registrar Deb Elias says in 2022, Manitoba's former Progressive Conservative government waived the rule that nurses from other jurisdictions must prove they had worked recently. That means a nurse can now live in Manitoba, but register in another province where it might be easier to get a licence. Elias says it means some new Manitoba nurses missed "critical checks for patient safety," contributing to 35 complaints against labour mobility registrants that involved severe patient harm and two deaths, according to a February college report — something Elias called "deeply concerning and very morally distressing." "The allegations are about really significant, gross nursing incompetence," she told CBC News on Wednesday. "One example is applying a medication patch to an article of clothing, as opposed to skin where it should be — so it's very basic nursing practice issues that have significant effects on patient safety." Manitoba's Labour Mobility Act states that any worker certified by a regulatory authority in another province is recognized as being qualified in Manitoba. But not all Canadian jurisdictions require the same clinical competence assessment. From 2018 to 2022, Manitoba received an average of 168 labour mobility applications, but the number jumped to 637 — a near 300 per cent increase — in 2024, the college said in its February report. Complaints also rose alongside the increase of labour mobility registrants, the report says. Labour mobility registrants were involved in about seven per cent of all complaints in 2023, but that number tripled to nearly 22 per cent the following year. The college says 91 per cent of labour mobility registrants who were subject to a complaint did not meet its standard threshold of 450 registered nursing hours in the last two years, or 1,125 hours in the past five years. 'Looking for loopholes': college Back in December, the college reinstated the rule for Canadian work experience, until the province stepped in. In Asagwara's April letter to the college, the minister cited concerns about compliance with internal trade agreements and provincial legislation, the college says. But Elias claims some nurses are "finding loopholes using the Canadian Free Trade Agreement in order to become registered elsewhere," she said. "Then we have to register them here, so then they're put into practice and potentially put into situations that they're not adequately prepared for." No registered nurses lost their licence due to the change the college made in December, the college said. However, Elias said she'd like to see any nurses who don't have the desired work experience in Canada complete more training before returning to work. "It may delay them being a registered nurse for a period of time, but then when they enter the system, they'll be there for the long haul, providing safe care," she said. Elias says some may think of the requirement as a barrier, but the college sees it as a guardrail for patient safety that's in the public interest. She added that the college is not targeting internationally trained nurses, and that the issue involves "a small group [who are] looking for loopholes to get registered." "We know people are eager to get to work, but being eager and being ready to practise are two different things." 'Have to be reasonable' in welcoming nurses: minister Manitoba Nurses Union president Darlene Jackson says her organization agrees with the college, because without proper training, nurses are set up to fail. "They are coming into our system unprepared for what a Canadian health-care system is," she told CBC News on Wednesday. "We want these nurses in our system. We want them out there working, but we want them practising [safely]." Health Minister Asagwara says all complaints are being handled, but it's unfair to judge all nurses in the same way. "We have to be reasonable in how we welcome nurses … to the front lines of our health-care system," Asagwara said in a Wednesday interview. "There are hundreds of internationally educated nurses who have come to Manitoba through that pathway, who are successfully working on the front lines of our health-care system and providing excellent patient care every single day." Relaxed labour mobility rules leave some nurses unprepared: Manitoba regulator 2 hours ago Duration 1:59 The College of Registered Nurses of Manitoba says patient safety has been jeopardized by the province's decision to remove the requirement that nurses registered in other jurisdictions have previous work experience in Canada before working in Manitoba.
Globe and Mail
31 minutes ago
- Globe and Mail
Ottawa to overhaul financial-crime laws in new border security bill
The federal government is aiming to overhaul Canada's financial-crime laws, including new restrictions on large cash transactions to curb money laundering. A border security bill tabled Tuesday by Prime Minister Mark Carney's Liberal government includes a number of measures intended to disrupt the flow of money from illicit activities through the financial system. The changes are the latest in a string of announcements from Ottawa aimed at reinforcing border measures with the United States after President Donald Trump said that Canada has not done enough to stop illegal crossings and fentanyl trafficking. Among the measures is a ban on businesses other than financial institutions accepting cash payments of $10,000 or more. The new legislation also introduces significant increases to the fines that companies can face for failures in their anti-money-laundering controls. Those increases were first announced in the fall economic statement late last year, prior to the April federal election. Border bill would give authorities sweeping security powers and restrict asylum claims Editorial: Trump crosses the line on the U.S.-Canada border The legislation was introduced ahead of a review of Canada's anti-money-laundering regime by the Financial Action Task Force (FATF) slated for this fall. The task force is an international, intergovernmental organization that sets standards for combatting money laundering and terrorist financing, and that seeks to ensure that those standards are effectively implemented through a process of mutual country evaluations. 'There is a spotlight because we have the FATF review, but now there's more of a spotlight because of the new U.S. administration that is very focused on their mandate on cross-border financial crime and the impact of money laundering,' Borden Ladner Gervais financial services lawyer Suhuyini Abudulai said in an interview. Countries that are found to be deficient in managing financial crime risks are added to the task force's grey list, which can have serious negative consequences for a country, such as curtailing foreign investment into it. Alana Scotchmer, a partner who specializes in financial services regulation at Gowling WLG, said the amendments to Canada's financial-crime laws will need to be implemented swiftly if they are to be factored in to the FATF review. 'Now that we are on the eve of the next evaluation, making a lot of these changes and cleaning up a lot of the things that need to be cleaned up is a more urgent exercise,' Ms. Scotchmer said. Jessica Davis, president and principal consultant of advisory firm Insight Threat Intelligence, said legislation that prohibits non-financial-institution businesses from accepting large cash payments is intended to make it more difficult for criminals to introduce dirty money into the financial system – a process known as placement that is the first stage of money laundering. 'You can't do a $10,000 cash buy into the casino any more. If you have $10,000 in cash and you want to take it to a casino, you have to take it to a bank first,' Ms. Davis said. The bank would then have to transmit the funds to a casino – through a wire transfer, for instance. 'Will this stop money laundering? Of course not, but it will push it so that the placement stage of money laundering is going to be happening in financial institutions, which in theory are best placed to be catching this kind of stuff, because they're going to have the full client history,' she said. The European Union recently announced an EU-wide cap of €10,000 (about $15,600) for cash payments to make it more difficult for criminals to launder money. Canada's new legislation also increases the administrative monetary penalties (AMP) for businesses that violate anti-money-laundering laws – a change that experts have long advocated. The maximum penalty for a violation would be $4-million if the violation is committed by a person and $20-million if committed by an entity. Ottawa has become increasingly critical of Canada's anti-money-laundering practices, putting pressure on the Financial Transactions and Reports Analysis Centre of Canada to crack down on financial crimes. 'You've certainly seen in the last few years more public communication from FinTRAC with respect to their AMP activities and enforcement,' Ms. Abudulai said. While Canadian regulators take enforcement seriously, certain U.S. regulators are known for their determination in levying fines, even for first-time violations, she said. 'Whereas here in Canada, we have some idea – in terms of certain violations – that there may be some flexibility that they may not necessarily receive an AMP immediately, and maybe it's just a matter of discussions with the regulator to address the matter,' Ms. Abudulai said. In May, FinTRAC imposed its largest-ever monetary penalty on Toronto-Dominion Bank – nearly $9.2-million – after a compliance examination found the lender had gaps in its anti-money-laundering controls. In late 2023, the financial crimes watchdog also fined Canadian Imperial Bank of Commerce and Royal Bank of Canada for anti-money-laundering failings. The penalties pale in comparison to the hefty fines and restrictions levied by U.S. regulators and law enforcement. In October, Toronto-Dominion Bank was fined more than US$3-billion and was dealt a host of non-monetary penalties after becoming the first lender in U.S. history to plead guilty to conspiracy to commit money laundering. 'I am interested to see, following all of these changes relating to FinTRAC enforcement powers, how FinTRAC actually uses these powers that it's being given,' Ms. Scotchmer said. 'The question for me is: Are all these added tools and added powers on the enforcement side going to lead to more enforcement activities, different enforcement activities? And I think we will need some time to see how that plays out.'
CTV News
31 minutes ago
- CTV News
SAAQclic: Cost overruns possibly a ‘small detail' overlooked
Monitors are seen in the courtroom of the Gallant Commission, a public inquiry into the failures of the Société de l'assurance automobile du Québec's platform, SAAQclic, in Montreal on Thursday, Apr 24, 2025. (Christinne Muschi/The Canadian Press) It is 'quite possible' that the Société de l'assurance automobile du Québec (SAAQ) failed, at the time of the call for tenders, to consider a scenario in which its digital transformation budget was completely exhausted, according to testimony from a former strategic advisor. On Wednesday, the Gallant commission examined how the call for tenders was developed to find the consortium tasked with creating the SAAQclic platform. It heard from individuals who supported the Crown corporation during that process. Madeleine Chagnon, an external strategic advisor hired for the project, found herself defending what the SAAQ had included in the tender documents in case of cost overruns beyond the initial budget envelope. Chagnon pointed to a risk-sharing clause that outlined certain mechanisms, including potential rate reductions and the option to draw from savings achieved by completing parts of the project more efficiently than expected. She also mentioned a contingency — a percentage of the original budget set aside for unforeseen issues. Commission lawyer Vincent Ranger pressed Chagnon on what had been planned in the event all those funds were used up. 'I think that behind these big ideas of risk-sharing and innovation, a small detail may have been forgotten in the original call for tenders — namely, what would happen in the event of cost overruns. Is that possible?' the lawyer asked. 'We added the concept of zero additional costs and, afterwards, look — maybe. I can't tell you no. It's possible, quite possible,' Chagnon replied. Ranger then presented a document showing questions submitted by potential suppliers during the tendering process. One of them asked how cost overruns would be handled if the entire contingency amount was spent. The response was that it was a 'risk that must be managed,' and that the phased approach to the project 'would help anticipate that type of situation.' It was also noted that the SAAQ did not foresee 'any increase to the budget envelope' and that 'should that envelope be exceeded,' the corporation 'may terminate the business relationship.' The SAAQ's tech modernization project could cost at least $1.1 billion by 2027 — $500 million more than originally planned, according to calculations by the Auditor General. This report by The Canadian Press was first published in French June 4, 2025.
