2. ⢠Command Team
⢠MFRC
⢠FMO
⢠AJAG
⢠Pay and Benefits
⢠Health Services
⢠Questions
Agenda
3. What is Op CARIBBE?
Operation CARIBBE takes place in the
Caribbean Sea and the eastern Pacific Ocean.
Under this operation, Canada sends Canadian
Armed Forces (CAF) ships and aircraft in
support of Operation MARTILLO. This United
States-led effort involves 14 countries and aims
to stop narcotics trafficking from Trans-national
criminal organizations.
3
4. Connecting With Your Family
- Quality of life Wifi at Sea
- Email
- Facetime, Google Duo, etc.
- Data msg (Apple msg, Facebook Messenger, etc.)
- Quality of life phones
- Packages
Operational Security (OPSEC)
â Wifi and QoL phones use may be restricted due to operations
â Social Media (official accounts only)
â Pictures with Geo-Tagging
4
5. Mail
⢠Expect most mail to arrive in TBC
⢠Mailing deadlines and Info
â How to mail: MRFC Page
â Deadlines: MFRC Family Network
5
6. OP CARIBBE 21â PRE-DEPLOYMENT
LCdr Tyler Smith/ CO HMCS Edmonton
tyler.smith@forces.gc.ca
Lt(N) Christian Walsh XO HMCS Edmonton
PO1 Nicolas Robichaud COXN HMCS
Edmonton
LCdr James Brun / CO HMCS Yellowknife
James.Brun@forces.gc.ca
Twitter - @lebrunjames81
Lt(N) Ben Scott XO HMCS Yellowknife
PO1 Ley Ireland COXN HMCS Yellowknife
HMCS Edmonton Social Media
Instagram - @HMCSEDMONTON
HMCS Yellowknife Social Media
Twitter - @HMCSYELLOWKNIFE
Instagram - @HMCSYELLOWKNIFE
Facebook - HMCS Yellowknife
7. Your Community, Your Resource Centre
âOffering programs and services unique to the military lifestyle. â
Votre CommunautĂŠ, Votre Centre de Resources
âOffrant des programmes et des services uniques au style de vie militaire.â
We support those who are important to you.
The MFRC proudly honours the diversity of âfamiliesâ.
Nous soutenons ceux qui sont importants pour vous.
Le CRFM honore fièrement la diversitĂŠ des âfamillesâ.
Esquimalt MFRC/CRFM Esquimalt
8. Plan & Prepare/Planifier & prĂŠparer
⢠Download:
-Pre-Deployment Checklist
-Everything Binder
⢠Ensure eligible family members have their Military
Family Identification Card (MFID)
⢠TÊlÊcharger:
-Liste de contrĂ´le de prĂŠ-dĂŠploiement
-Classeur Tout
⢠Assurez-vous que les membres de la famille Êligibles
ont leur carte d'identitĂŠ de famille de militaire
(MFID)
9. Get Connected/Soyez connectĂŠs
Be sure to join the Family Networkâs Facebook group!
Assurez-vous de joindre le Groupe Facebook du RĂŠseau Familial!
Register with us to receive deployment support by:
⢠Becoming a part of your Family Network;
⢠Connecting with the MFRC local to you;
⢠Receiving support in French.
Inscrivez-vous auprès de nous pour recevoir du soutien en
matière de dÊploiement:
⢠En devenant membre de votre rÊseau familial;
⢠En vous connectant avec le CRFM local;
⢠En recevant du soutien en français.
10. Family Network/RĂŠseau familial
MCDV Family Network/RĂŠseau familial MCDV (P)
Network Volunteers
BĂŠnĂŠvoles du rĂŠseau: Akasha & Erica
We are currently seeking Family Network Volunteers who have loved ones serving on
HMCS Edmonton & HMCS Yellowknife. Interested?
Nous recherchons actuellement des bĂŠnĂŠvoles du rĂŠseau familial qui ont des proches
qui servent sur le NCSM Edmonton et le NCSM Yellowknife. IntĂŠressĂŠ?
11. BC
⢠Esquimalt
⢠Comox
⢠Vancouver
⢠Chilliwack (Sat)
AB
⢠Calgary
⢠Cold Lake
⢠Edmonton
⢠Lethbridge
⢠Suffield
⢠Wainwright
⢠Red Deer (Sat)
SK
⢠Dundurn
⢠Moose Jaw
MB
⢠Shilo
⢠Winnipeg
ON
⢠London
⢠Meaford
⢠Borden
⢠Toronto
⢠Trenton
⢠Kingston
⢠North Bay
⢠Petewawa
⢠Ottawa
QC
⢠Bagotville
⢠Montreal
⢠Saint-Hubert (Sat)
⢠Saint-Jean (Sat)
⢠Sherbrooke (Sat)
⢠Valcartier
⢠Quebec City (Sat)
NWT
⢠Yellowknife
NB
⢠Gagetown
NS
⢠Greenwood
⢠Halifax
⢠Shearwater (Sat)
⢠Sydney (Sat)
PEI
⢠Charlottetown
⢠Summerside (Sat)
NL
⢠St-Johnâs
⢠Gander
⢠Goose Bay
Not local to Victoria? There are
MFRCâs across the country if you are
looking for in-person support.
Pas local Ă Victoria? Il y a des CRFM
partout au pays si vous recherchez
du soutien en personne.
12. Programs & Resources for Parents and Children
Programmes & Ressources pour Parents et Enfants
⢠Supporting Children Through Absence Workshops
â A variety of workshop times for children ages 3 to 12
Download a copy of
Parenting from Afar
Not able to participate in the workshops? Pick up or order a copy of our
Childrenâs Deployment Workbooks and Parent Guide!
Vous ne pouvez pas participer aux ateliers? Ramassez ou commandez un
exemplaire de nos cahiers d'exercices de dĂŠploiement pour enfants et notre
guide des parents!
13. Respite Childcare/Soins Occasionels de RĂŠpit
Ages 0-5 years
For deployments or work-related absences of 21 consecutive days or more, you
are entitled to 1 free childcare session per week, up to 4 free sessions per month.
Book up to 8 days in advance by calling 250-363-2674.
*Additional sessions
under 18 months - $15 per 3hr session per child
18 months â 5 years - $12 per 3-hour session per child
Ăge 0-5 ans
Pour les dĂŠploiements ou absences liĂŠs au travail de 21 jours ou plus, vous avez
droit Ă 1 sĂŠance de garde gratuite par semaine jusqu'Ă 4 sĂŠances gratuites par
mois. RĂŠservez jusqu'Ă 8 jours Ă l'avance en appelant le 250-363-2674.
*Sessions additionnelles
moins de 18 mois - 15 $ par session de 3 heures par enfant
18 mois â 5 ans - 12$ par session de 3 heures par enfant
14. Our Team
Notre Ăquipe
⢠The Family Wellness and Counselling Team includes a group of caring and highly trained
professional social workers and counsellors. They are here to support you and your familyâs
mental health and wellness. They offer counselling for individuals and couples with a family
focus.â
⢠LâĂŠquipe de bien-ĂŞtre et de counseling de la famille comprend un groupe de travailleurs
sociaux et de conseillers professionnels attentionnĂŠs et hautement qualifiĂŠs. Ils sont lĂ pour
soutenir la santĂŠ mentale et le bien-ĂŞtre de vous et votre famille. Ils offrent des conseils aux
personnes et aux familles axĂŠes sur la famille.
⢠Intake Phone: 778 533-7736
⢠Intake Email: Intake@emfrc.com
15. How We Support Families
Comment nous Soutenons les Familles
The FWCT provides preventative and responsive programming in the form of group facilitation and counselling.
The FWCT can support you with:â
â˘Mental health questions and concerns.â
â˘Relationship Issues.â
â˘Pre and post-natal supports - Join us for âGrowing Parentsâ.â
â˘Youth Supports.â
â˘Supporting children and dependents with diverse needs.
â˘Emergency and respite childcare is available upon assessment.
La FWCT offre des programmes prĂŠventifs et adaptĂŠs sous forme de facilitation de groupe et de counseling.
Le FWCT peut vous soutenir avec :
â˘Questions et prĂŠoccupations en matière de santĂŠ mentale.
â˘Problèmes relationnels.
â˘Soutiens prĂŠ et postnatals - Rejoignez-nous pour ÂŤ Grandir les parents Âť.
â˘Soutiens Ă la jeunesse.
â˘Soutenir les enfants et les dĂŠpendants ayant des besoins variĂŠs.
â˘Des services de garde dâurgence et de relève sont disponibles lors de lâĂŠvaluation.
16. The MFRC/Le CRFM
⢠Can work with you to develop an Emergency Family Plan
⢠Can help you build your network
⢠May be able to provide some assistance upon
assessment
⢠Peut travailler avec vous Ă lâĂŠlaboration dâun plan familial
dâurgence
⢠Peut vous aider à crÊer votre rÊseau
⢠Peut être en mesure de fournir une certaine aide lors de
lâĂŠvaluation
Be sure to complete your Emergency Family Plan!
Assurez-vous de complĂŠter votre plan familial dâurgence!
17. Contact
Esquimalt MFRC / CRFM Esquimalt
(250) 363-2640
Or toll-free anywhere in Canada
Ou sans frais partout au Canada
1-800-353-3329
emfrc@shaw.ca
cfmws.ca
After hours Duty Padre Line â call the MFRC and Press â2â
Après heures de gardes -appelez le CRFM et Appuyez sur â2â
After hours Family Information Line
Ligne dâinformation Familiale après les heures
1-800-866-4546
Canadian Forces Member Assistance Program
Programme d'aide aux membres des Forces canadiennes
1-800-268-7708
18. CFPU
DĂŠfense National
Nationale Defence
CANADIAN FORCES POSTAL UNIT
PO BOX 1000 STN FORCES
ASTRA ON K8N 5W6
Postal Brief
Deployment Morale Mail
30 Nov 2022
UNCLASS
UNCLASS
UNCLASS
Cpl Morehouse T.F.R
19. ⢠How to send your mail?
⢠Maximum size for morale mail parcel
⢠How to address mail to the ship
⢠How to fill out a Canada Post customs declaration form
⢠List of prohibited items
⢠Extra information
⢠CF Morale mail drop off points
⢠Questions
INDEX
UNCLASS
UNCLASS
20. UNCLASS
UNCLASS
2 ways to send your mail:
⢠Canadian Forces (CF) morale mail service
Free Service
Drop off at the local MFRC or Fleet / Naden Mail Offices
No special services available with CF Morale Mail (i.e. parcel tracking or express post)
⢠Canada Post
Drop off at any Canada Post outlet
Postage is required
Special services including insurance, Registered Mail, Xpresspost, Priority, etc are only in effect until it
reaches Fleet Mail Office.
Proof of delivery available-only up to the Fleet Mail Office
Currently free letter mail-Drop off in any Canada Post Mail Box or outlet
HOW TO SEND YOUR MAIL?
22. Senderâs address
Description of contents of the parcel
Aye Missew
123 My Street
Victoria BC V9A 7N2
Tel: 250-765-4567
Smith A.Pte 123 (Mess #)
HMCS MY SHIP
PO BOX 17000 STN FORCES
VICTORIA BC V9A 7N2
LIST OF CONTENTS
Chips
Newspapers
Books
Photos
Gummies
Documents
Addressee
HOW TO ADDRESS PARCEL TO THE SHIP
UNCLASS
UNCLASS
23. CANADA POST CUSTOMS DECLARATION
Sender:
Same as
on parcel
Destination:
Same as
on parcel
Description of contents
$20.00
*NCV
Sign here
x
*NCV = No Commercial Value
UNCLASS
UNCLASS
**Canada Post Custom Declaration is MANDATORY!**
24. LIST OF PROHIBITED ITEMS
UNCLASS
UNCLASS
⢠Alcoholic beverages and Tobacco
products
⢠Corrosive or Flamable liquids/solids
⢠Pornographic material
⢠Knives
⢠Drugs and Narcotics
⢠(including prescription/Over the
counter drugs/Vitamins)
⢠Compressed Gases/Aerosol/Pop Cans
⢠Perishable Food items
28. EXTRA INFORMATIONS
UNCLASS
UNCLASS
⢠Supplementary restrictions
according to host country
(see Canada Postâs site for up
to date information)
www.canadapost.ca
28
Note: Batteries are
permitted only if they are
in their original sealed
package
31. CF MORAL MAIL DROP OFF POINTS
UNCLASS
UNCLASS
Signal Hill MFRC
CPAC MFRC
Fleet Mail Office
Naden Mail Room
A list of out of area locations is available at all drop off locations
Note: Wrapping paper and tape is available at Fleet Mail
Office and Naden Mail Room.
34. AJAG Pacific
ďŽ AJAG Spectrum of Legal Assistance
ďŽ Power of Attorney (POA)
ďŽ Wills
ďŽ Travel Authorization Letter
ďŽ SDB Beneficiary Form
Discussion Points
35. AJAG Pacific
ďŽ Your personal legal affairs should be dealt
with by a civilian lawyer / notary
ďŽ Legal Officers may provide assistance to
CAF members in case of urgent /
operational necessity (ref: CFAO 56-5)
Spectrum of Services
37. AJAG Pacific
Allows a person (the âadultâ) to appoint
someone 19 years of age or older (BC) to
be their attorney (the âattorneyâ) to take
care of your financial and legal affairs on
your behalf.
ďŽ General POA â ceases when incapable
ďŽ Enduring POA â continues when incapable
Power of Attorney (POA)
38. AJAG Pacific
Examples:
ďŽ Bill payments
ďŽ Banking
ďŽ Insurance for car or home
ďŽ Bank loans
ďŽ Mortgage payments
ďŽ Buying or selling property, including cars and houses
ďŽ Pay issues
ďŽ It does not include decisions about your personal or health care
Power of Attorney (POA)
39. AJAG Pacific
Do you need a Power of Attorney?
ďŽ Some banks have their own âin-houseâ power of attorney forms
so check with your bank first;
ďŽ Online transactions
ďŽ Assets, esp. real estate
ďŽ Does not apply to joint assets / accounts
Note: a POA does not give the attorney the power to make health
care or child care decisions
Power of Attorney (POA)
40. AJAG Pacific
Who should be your attorney?
ď§ Someone you trust.
ď§ Not someone who has financial problems.
ď§ Not someone you donât get along with, like an
estranged spouse.
There are potential consequences
resulting from picking the wrong
attorney!
Power of Attorney (POA)
41. AJAG Pacific
ďŽ Give clear instructions, help the attorney understand what the
adult wants done
ďŽ Make sure it will be accepted by the institutions where it would be
used
ďŽ Complete any other documents that the attorney cannot do (i.e.
statutory declarations)
Duties of the Adult
42. AJAG Pacific
ďŽ Must act in good faith
ďŽ Follow the instructions of the adult
ďŽ Perform transactions with due skill and care
ďŽ Cannot delegate the power of attorney
ďŽ Must respect the title (ownership) of the adultâs property
and money
ďŽ Must keep proper accounts/records
Duties of the Attorney
43. AJAG Pacific
ďŽ SAFEGUARD THE ORIGINAL POA
ďŽ DONâT TAKE IT WITH YOU ON
DEPLOYMENT
The Power is in the Document
44. AJAG Pacific
ďŽ IAW the terms of the document (e.g. an
expiry date)
ďŽ If the attorney is the spouse and the
marriage or marriage-like relationship
ends
ďŽ Death or bankruptcy of the attorney
ďŽ Death of the adult
Termination of POA
45. AJAG Pacific
If you want to stop your attorney
acting for you:
ďŽ Advise them in writing (email is ok)
ďŽ If you revoke the power of attorney,
you must contact your bank to inform
them
ďŽ Get the original document back
Revocation by the Adult
46. AJAG Pacific
Will
The written statement by which a
person instructs how his or her
estate should be distributed after
death.
Complete a Will Certificate.
Wills
47. AJAG Pacific
ďŽ When a person dies without a will or âIntestateâ
their property vests in the court
ďŽ The province then uses a set formula to
distribute their estate, which may not be what
the person wanted
ďŽ No guardianship arrangements for minor
children
ďŽ See the Wills, Estates and Succession Act for
more details or contact a civilian lawyer
Why You Might Want a Will
48. AJAG Pacific
Wills
⢠Basic CAF Will is adequate for:
ď§ First marriage
ď§ Single members
ď§ Simple finances
ď§ No children
49. AJAG Pacific
Suggest you get a Will from a Civilian Lawyer
if:
ďŽ Second or subsequent marriage
ďŽ Home owner
ďŽ RRSPs, trust funds, stocks etc.
ďŽ Children
ďŽ Wish to have several persons as beneficiaries
Will Kits May or May Not be Valid
Wills
50. AJAG Pacific
Review SDB Beneficiary form â
changes in circumstances (i.e.
divorce) will not automatically change
SDB beneficiary
*same thing for private life insurance
and registered investments i.e. RRSPs,
TFSAs, etc.
Supplementary Death Benefit (SDB)
Beneficiary
51. AJAG Pacific
ďŽ Can be signed by any Reg Force Commissioned
Officer
ďŽ Is proof that you consent to your child
traveling with a spouse or another person
ďŽ May assist you when crossing border to US or
other borders with children
ďŽ Example letter available for download from the
AJAG webpage
Travel Authorization Letter
55. Monthly (non-taxable) Allowances
Operations Foreign Service Premium (Ops FSP) â
allowance payable to a member in recognition of service on
operations;
Hardship Allowance (HA) â an allowance to compensate
for the living conditions existing at a specific post;
Risk Allowance (RA) â an allowance to compensate for the
risks associated with a specific post;
Hardship Allowance bonus (HAB) â to compensate a
member for repeated deployments
60. Sea Duty Allowance (SDA)
Refs: A. NAVGEN 023/19
B. CBI Chapter 10 MFSI 10.3.08(1.1)
SDA cannot be paid in conjunction with HA. SDA and
HA are evaluated for the same living conditions
experienced while at sea.
61. Tax Relief
Ref: NAVGEN 019/18
CAF Personnel deployed on named operations are now
eligible for Tax Relief measures while deployed outside
of Canada. The exemption will be applied to
employment income up to the maximum LCol GSO rate.
62. Income Tax Filing
⢠Information will be released via a pay insert with
instructions for Taxation Year 2022.
⢠Members needing to file late will be provided with a
certified letter and will need to complete CRA form
RC4288.
63. OSM-EXP Medal
⢠Once the ship has been in theatre for 21 days the Coxân will send a
message with the shipâs nominal roll to CFP HQ FOR;
⢠OSM-EXP medals will be ordered for those who do not already have it;
⢠OSM-EXP bars will be ordered for those with 210+ days;
⢠CANFORGEN 001/20
64. Custodial Expense
⢠Expenses related to maintaining a vacant
residence
⢠Eligible members:
â Members with no dependants (does not apply
to those living in single quarters);
â Service Couples who are both away for
service reasons;
â Single parents, if their dependants are under
18 and will NOT be residing in the principle
residence during deployment
65. Custodial Expenses contâd
⢠Entitlement:
â $275/month from a commercial firm with
itemized receipt; no receipt no reimbursement
⢠Eligible expenses:
â Snow removal, lawn maintenance, security,
minor maintenance and additional insurance
costs
â Not eligible for pet care
⢠Normal recurring expenses such as property
taxes, electricity are NOT eligible for
reimbursement
66. PMV Storage
⢠Entitlement:
â Veh storage at the nearest available
commercial storage facility at actual and
reasonable cost with receipt (i.e. not your
garage)
â When a vehicle is stored in a commercial
facility, reimbursement up to $200( tax
included) to restore the vehicle to
roadworthiness. Such as labour for a
mandatory safety check, towing charges,
brake cleaning/adjustment and parts for minor
tune ups.
67. Family Care Assistance
⢠FCA is designed to help offset child and family care
costs incurred in excess of those paid during normal
working hours for single parents or service couples
who are both absent for service reasons.
⢠Can be reimbursed up to $75.00/day with receipts
from a commercial provider or $35.00/day with a
personal declaration.
⢠Commercial provider means an individual or
company in the business of providing dependant care
services
68. Rest & Recreation (R&R)
⢠Rest and Recreation (R&R) funds are provided to
Task Force Commanders and Shipâs Captains to
enhance the morale, improve the well-being and add
to the quality of life of deployed members
⢠Individual allocations are based on actual time
deployed â $2.00 a day for part months and $60.00
per full month. For example, a member deployed
from 10 Feb to 22 May 20 can expect an allocation of
approx. $184.00 CAD
69. Rest & Recreation (R&R)
⢠Eligible expenses include: hotels, restaurant meals, organized tours,
Sea-Doo rentals; entrance fees or tickets to cultural, sports,
entertainment or recreational facilities (swimming pools, golf courses,
beaches, etc.); spa treatments (massages, pedicure, manicure, etc.),
and public transportation (bus, taxi, train, etc.). Group activities such
as organized tours (ex. ATV rides in the desert) are eligible but cost per
person must be clearly identified on the receipt.
⢠Non-eligible expenses include: grocery store/gas station receipts as
meal substitutes, pop, energy drinks, snacks (candy, chocolate, spices,
tea boxes, protein powder, cheeses, peanuts, ice cream, chips, etc.),
personal grooming (haircuts, hair colour, waxing), car rental;
transportation, rations or quarters provided at public expense, alcoholic
beverages (if taken during a meal, will be deducted), tobacco products,
expenses incurred during HLTA leave, personal items (gifts, clothing,
souvenirs, games or consoles, electronics, etc.), and UBER or car-
sharing services.
70. Transportation on Special Leave
⢠Prior to and after a deployment outside Canada, single members and
members on IR are eligible for travel benefits to/from their home,
similar to LTA.
⢠For those with dependants âhomeâ is defined as:
â the place to which the memberâs spouse or common-law partner or
dependent child was last moved at public expense;
â if the memberâs spouse or common-law partner or dependent child
has never been moved at public expense, the place where that
person is residing.
⢠For those without dependants, âhomeâ is:
â the place where the memberâs father or mother or guardian
normally resides;
â subject to the approval of an officer commanding a command or
formation, the place where the memberâs child, stepchild or
adopted child who is officially recorded as the memberâs next of kin
normally resides
71. Transportation on Special Leave
⢠This benefit does not count towards an eligible
memberâs annual LTA entitlement. SLTA must be
taken during pre or post deployment leave.
⢠As with standard LTA, you must provide proof of
travel (i.e. leave pass stamped at destination). A
copy of the memberâs deployment CFTPO/attach
posting message will be included with the claim.
⢠Advances can be requested from CFP HQ Claims
Section with a signed leave pass and, if flying
commercial air, a quote or actual receipt.
72. References
MFSI Military Foreign Services Instruction
DCBA Results of the Departmental HA â RA Committee
Tax Relief as of 01 Jan 17 as per
News Release on 18 May 17
Our hours of availability are Monday-Friday, 8:30-4:30pm. Requests for service will be answered within 48 hours but are generally responded to on the same day.
Our hours of availability are Monday-Friday, 8:30-4:30pm. Requests for service will be answered within 48 hours but are generally responded to on the same day.
Free service on some military bases or MFRC in Canada. Will need to check what services are offered at bases across Canada. May have to got thru Canada Post
No special service -i.e. insurance, tracking, priority, express or registered mail.
No receipt will be issued ie; no proof of content.
PROOF of Delivery: CPC tracking number which is recommended for high value items
Note: Highly recommended not to send high value items through the morale mail. Any claims will be processed through AJAG.
SPECIAL SERVICES which are effective only until it arrives at FMO Ops.
FREE LETTER MAIL as well as free REGULAR parcel mail at Christmas time.. Generally is between. (15 OCT-Early January )
Max weight 20 Kgs or 50 Lbs
Max length 1m or 100cm
NCV stand for Non Commercial Value Ex: Documentations.
***** Drugs and narcotics (including prescription drugs) Have to go thru the Medical chain of command.
The Items Circled in red are prohibited.
The Items Circled in Yellow are allowed but not recommended to be sent in Morale mail.
The parcel you are sending could possibly be delayed if prohibited items are included with contents.
The previous list of prohibited items is not a complete list. If in doubt contact your FMO.
CMTT is military transportation that will arrange to send out bulk mail via Commercial Air.
Nothing in this presentation should be construed as the provision of legal advice.
Normally, we provide legal advice to the Chain of Command, only.
The AJAG office no longer provides legal assistance with Powers of Attorney unless you have an urgent/operational need and where no civilian legal assistance is available. This is also subject to the legal officerâs availability, level of experience and areas of competence.
Our services are in no way intended to replace civilian legal advice.
POAs do not apply to health care decisions â âcanât pull the plugâ â Separate agreement that covers that â Representation agreement.
POAs are valid in BC â if planning to use it out of province, confirm with institution first.
+ If you own property in another province, a POA executed under BC law will more than likely not cover it.
General POA
Ceases when you become incapacitated
Enduring POA
Continues even when you`re incapacitated
POA normally used for financial arrangements, such as car insurance or buying or selling physical property.
Covers financial decisions only: it does cover real estate BUT many lenders do not accept them or require additional paperwork â if you anticipate selling or buying real estate, speak to your lawyer and mortgage broker now you will likely require an additional form that needs to be signed and you must have a lawyer notarize it.
Although it is a legal document, there is NO REQR FOR INSTITUTIONS TO ACCEPT! COORDINATE IN ADVANCE â go to each institution and ask AHEAD of TIME - Hence donât leave the signing until the last minute. Probably donât want to waste time litigating this.
May Not be Reqd if:
You have no assets
Have joint accounts
No real estate transactions anticipated
You have reliable access to the internet
Choose your attorney carefully.
Not someone with financial problems â not someone you donât get along with â a bankrupt cannot act as Attorney
There are potential consequences resulting from picking the wrong attorney, among them the wrong attorney could:
Drain bank accounts.
Liquidate assets.
Buy assets with your money.
Does not respect your wishes.
Bottom line is that no matter who you choose there is always some risk that they could misuse or mismanage your finances, your attorney is someone you trust to make decisions that are in your best interest and that they donât have any incentive to act against your best interest.
adult must give attorney clear instructions â An Attorney can only act based on the adultâs instructions unless they cannot obtain instructions, then they must act solely in the Adultâs best interest
Restrictions:
By signing a POA you give another person authority to make all financial decisions on your behalf. â but you can put restrictions on it.
Favourite car, not included.
adult must ensure BEFORE they leave that institutions will accept it
Some docs attorney canât complete: divorce papers, must be done by person themselves
When youâre choosing your adult, your looking for someone who can do all of these â and who you trust to do all of these.
Fiduciary duty to act in good faith & with reasonable level of care
In this case the Fiduciary is the attorney in whom the adult has placed the utmost confidence to manage and protect their money or property
Follow instructions and be diligent in completing them
Cannot delegate power â service couple - this is important when youâre choosing your attorneyâ if youâre part of a service couple, and your spouse may also deploy or go on TD while youâre away, they can not delegate the POA to someone else â (unless the POA states otherwise)
Must respect ownership (title) of adultâs property and money (canât sell off stuff unless it is with instructions or in the adultâs best interest, or the POA says they can)
Must keep proper accounts/keep track of activities done
adult/Attorney: safeguard the original â (you get the original â most institutions want originals or certified true copies from a lawyer/notary)
Do not take the POA with you â it wonât help you on ship
Terminating events â
Expiry âtime of deployment â note here that our office does limited (versus general) POAs that expire at the end of the deployment â if you want a longer one, best to get a civilian one done
Enduring POA can be drawn up to last forever.
change in family situation. If adult is spouse - Divorce.
Death or bankruptcy of the attorney-if the attorney cannot handle their own financial affairs, they should not be handling anyone else's!
death of the adult
Revocation (if you want to stop attorney acting for you):
Revoke authority verbally;
Get original POA back
Write attorney letter saying its revoked (or email); and
Write to institutions saying POA revoked. Contact institutions.
ANY QUESTIONS ABOUT POA AGREEMENTS?
A document that instructs how an estate should be distributed in the case that the will maker dies.
Iâm sure youâve all filled out a military Will certificate under DAOD 7012.
A will certificate provides a record, as applicable, that a CAF member:
-does not wish to complete a will;
-has a will but has decided not to place it with the CF for safekeeping;
-has a marriage or civil union contract that contains testamentary dispositions; or
-has not made a will because the CAF member is domiciled in the province of Quebec and has not reached the age of majority.
*(see DAOD 7012-1)
A will helps make the distribution of an estate much easier. It gives control to the testator to distribute their property and assets as they wish.
In a will you normally appoint an executor, who is a trusted person that will distribute your estate according to your wishes set out in the will
If you have children you will also appoint a guardian
If no will = Intestate, this can tie up estate for a long time and distribution will be based on provincial law. In the meantime the estate is vested/kept with the court.
A CAF Will is perfectly adequate for any circumstance but best suited for:
First marriage
No kids
Single members
Simple finances
******ensure the will is witnessed and an Affidavit of Execution is completed by your witness****
BUT ONLY IF IT IS FILLED OUT PROPERLY!!!!
We strongly recommend that you retain a civilian lawyer and not just rely on a CF will, if:
second or subsequent marriage
Children in or outside marriage
You want to create a trust for your children
You have complicated finances
You have specific requests for division of assets
Notaries can also do Wills, but they cannot do certain things like create trusts.
Will kits: - there are 100s of companies doing these - My recommendation is to get professional advice! â create lots of business for lawyers
If you do a will kit, make sure you also have a CF will certificate. ******If you do ensure a Will Certificate is completed****
Double check who you have named as your beneficiary, ensure that is who you want.
SDB beneficiary does not automatically change with change in life circumstances (ie. Divorce)
SDB â goes to a named beneficiary, if no beneficiary it can go to the estate or to the widow. You can only name one beneficiary on it.
This is proof of your consent for your child to travel with a person/spouse out of the country
May need for travel to the US â out of province
Must have the original on you when you travel, keep with passports OR they will not let you out of the country.
Travel letters should be signed within the unit
There is a template on the AJAG P website.
According to DAOD 7000-1, in BC, any regular force officer can sign these for you Travel letters. Ask any commissioned Reg F officer to sign itâpreferably one who will carry a cell phone in case they need to receive a call from Border Services
Takeaways:
POA and WILL are not required, but you should have one, especially a Will.
At AJAG P we no longer do POAs but will assist in exceptional circumstances
Make an appointment: 250-363-4260.
You must bring your attorney with you when you sign + govât ID each
Ops FSP works on a point system, points are accumulated for service on operations at the rate of one point per calendar month of service.
Hardship and Risk levels are determined for each operations by the Departmental Hardship and Risk Committee (DHRC). During deployment, ships will complete HA/RA submissions for DHRC to determine levels. This Committee meets every 3 months and official rates are communicated through DCBA message.
Hardship Allowance Bonus - The intent of the Hardship Allowance Bonus (HA Bonus) is to compensate a member for repeated deployments. Mbrs with more than six points accumulated will get the HA Bonus.
Hereâs the OPS FSP monthly levels effective 1 Apr 22. Complete list of levels is available in MFSI.
Risk Monthly rates, OP Caribbeâs rate is set at level one as of 1 Sep 22
Hardship Monthly rates, OP Caribbeâs rate is set at level two as of 1 Sep 22
If you received Hardship Allowance for a previous operation you may get the additional Hardship Bonus. Amount is calculated as a percentage of the authorized HA level. See MFSI for complete list of levels.
Effective 1 Aug 19 SDA cannot be paid concurrently with HA. Since the allowances are evaluated the same, payment of both would result in a double compensation.
For the duration of your deployment you will not have Federal Tax deducted from your salary and allowances including PLD. However there is a maximum, if you earn more than $11,001.00 you could see some Federal Tax deducted.
Tax Relief will start as soon as the change of command from RCN to CJOC takes place.
EACH YEAR, DND SEEKS APPROVAL FROM THE CANADA REVENUE AGENCY(CRA) AND REVENU QUEBEC (RQ) FOR AN INCOME TAX FILING EXTENSION FOR CAF PERS AND THEIR SPOUSES WHEN THE CAF MEMBER IS SERVING ON UN, NATO, COALITION OR OTHER DEPLOYED OPERATIONS OUTSIDE CANADA.
Members who file their Tax Returns after 30 Apr 23 will require a certified letter from their supporting unit accounting officer and will need to complete the CRA form RC4288 entitled Request for Taxpayer relief.
When the approval comes out, weâll request Coxnâs provide us with a list of members requiring the letter.
Because the medals can now be ordered while the ship is deployed, the order now becomes a priority for DH&R. They will review the submission from CFP HQ FOR and then immediately begin making medals and send for engraving. However, DH&R is experiencing significant delay. We are still waiting on the medals for OP CARIBBE for Nanaimo and Whitehorse which was submitted in Mar and Apr 20.
Documents required for the claim ::
Contract for custodial expenses ( mbrs responsibility )
Copy of proof of residence ( mbrs responsibility )
Attach Posting Message or CFTPO and /or
Copy of pay screen that confirms the start and cease of your allowances
Original receipts for custodial expenses and incidental relocation expenses ( if applicable )
Vehicle restoration ( commercial storage only )
Not the purchase of new brakes , Oil change & Filter , Gas Filter , Air Filter , Spark Plugs ( not platinum ) , Towing Charges
Documents reqd. for claims::
Contract between the member and the commercial storage facility
Proof of payment including original receipt for storage fees ( or bank statement )
Receipts of roadworthiness