Operations Management - Book1.p - Dr. Abdulfatah A. Salem
HMCS Vancouver Pre-Deployment Brief - May 2024 (Web Version).pptx
1. • Commanding Officer Address
• Deployment Overview
• Military Family Resource Centre
• Fleet Mail Office
• AJAG-Personal Legal Issues
• Pay/Allowances & Benefits
• SISIP Financial
• Chaplain
Outline
2. HMCS Vancouver’s Command Team
2
Cdr Tyson Bergmann
Commanding Officer
LCdr Nicholas (Nick) Kucher
Executive Officer
CPO1 Ian Biller
Coxswain
3. Command Priorities
HMCS Vancouver Command Priorities:
1. Maintenance of leadership philosophy;
• Every Sailor, Every Day
2. Train to float, move and fight;
• Ownership delegation
3. Communicate;
• Never too busy to say hello
• Enhance trust and teamwork by maintaining a culture of respect and inclusion
• Social Media / Newsletter
4. Esquimalt Military Family Resource Centre
Centre de Ressources pour les Familles des Militaires d’Esquimalt
5. Deployment & Absences
Déploiement & Absences
Jennifer Switzer & Marlena Wright
Deployment & Absences Navigators
Navigateurs de déploiement et d'absences
6. • Download out our Preparing for Deployment & Absence Resources webpage
– Includes downloadable resources, checklists, tip sheets, and videos
– Support to Parents Facebook Group
• Ensure eligible family members have a current Military Family
Identification Card (MFID)
• Consultez notre page Web de ressources de préparation au déploiement
et aux absences
– Comprend des ressources téléchargeables, listes de préparations,
des fiches de conseils et des vidéos
– groupe de Facebook Soutien aux parents
• Assurez-vous que les membres de la famille éligibles ont leur
carte d'identité de famille de militaire (MFID) actuel
Plan & Prepare
Planifier & préparer
7. Deployment & Absence Support Registration
Enregistrement de support en cas de
déploiement & absence
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 déploiement:
• En devenant membre de votre réseau familial;
• En vous connectant avec le CRFM local;
• En recevant du soutien en français.
8. 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-John’s
• Gander
• Goose Bay
Not local to Victoria? There are
MFRC’s across the country if you are
looking for in-person support.
Pas local à Victoria? Il y a des CRFM
partout au pays si vous recherchez
du soutien en personne.
9. HMCS Vancouver Family Network
Réseau familial NCSM Vancouver
Network Volunteer
Bénévoles du réseau: Carla
Email Address
Adresse électronique: vancouver.family@esquimaltmfrc.com
Family Networks
Réseaux Familiaux
Be sure to join the Family Network’s Facebook group!
Assurez-vous de joindre le Groupe Facebook du Réseau Familial!
13. Upcoming Programs
Programmes à venir
• Stay & Play (April 3 to June 19, Colwood)
• 123 Music & Me (April 5 to June 21, Colwood)
• Big Steps for Kinder Prep (July 3 to August 19, Colwood)
• Stay & Play in the Park (July 10 to August 28,
• Wellness Wednesday: Family Forest Fun (May 22, Colwood)
• Wellness Wednesday: Family Forest Fun (June 12, Esquimalt)
Esquimalt & Colwood)
14. Preparing for Deployment & Absences
Préparation pour déploiement et absences
• Learn a bit about what you can expect
• Discover some resources that may aid you
and your family
• Connect with other Military Families anticipating
a deployment or work-related absence
• In-Person Session (Colwood) – Wednesday, May 15th from 6:00 – 7:00pm
• Online Session – Thursday, May 23rd from 6:30 – 7:30pm
15. Ages 6 months to 5 years
• Available at no cost when a military parent is deployed or away for
work-related reasons for 21 consecutive days or more
• Receive one 3-hour session per week up to a maximum of
4 free sessions per month
• Book up to 8 days in advance of session by calling 250-363-2674
*Additional sessions available at Casual Child Care rates.
Âge 6 mois à 5 ans
• Disponible gratuitement lorsqu'un parent militaire est déployé ou absent
pour des raisons professionnelles pendant 21 jours consécutifs ou plus
• Recevoir une séance de 3 heures par semaine jusqu'à un maximum de
4 séances gratuites par mois
• Réservez jusqu'à 8 jours avant la session en appelant le 250-363-2674
*Des sessions supplémentaires sont disponibles au tarif de la garde d'enfants occasionnelle.
Respite Child Care
Soins Occasionels de Répit
16. Affordable Child-Minding Options for School Age Children
Options de garde d'enfants d'âge scolaire économiques
PSP Recreation Activities
Low Cost ($8-9.50 for 1.5 - 2.5 hours)
• Fantastic Fridays
• Splash & Swim
• Movie Nights (Dinner included!)
Recreation Centres
• Check your local Rec Centres for childminding services – Low cost ($4-5/hr) childminding while you use the
facilities to take a class, use the gym or pool. Offered at Esquimalt Rec, Commonwealth, the Westhills and
Downtown YMCAs.
• Try to sign your child up for lessons/ rec activities that facilitate a break for you!
In Your Neighbourhood
Hire a teen babysitter or try swapping childminding with a trusted friend!
17. • Supporting Children Through Absence Workshops
– A variety of workshops times for children ages 3 to 12
Not able to participate in the workshops? Pick up or order a
copy of our Children’s Deployment Workbooks and Parent Guide!
These are available in English and French.
Vous ne pouvez pas participer aux ateliers? Ramassez ou commandez un
exemplaire de nos cahiers d'exercices de déploiement pour enfants et
notre guide des parents! Ceux-ci sont disponibles en anglais et en français.
Programs & Resources for Parents and Children
Programmes & Ressources pour Parents et Enfants
18. Family Wellness & Counselling Team
Équipe de bien-être familial et de counselling
Jackie Carlé
Executive Director
Directeur exécutive
19. 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:
• Mental health questions and concerns
• Relationship Issues
• Pre and post-natal supports
• Youth Supports
• Supporting children and dependents with diverse needs
• Emergency and respite childcare is available upon assessment
La FWCT offre des programmes préventifs et adaptés sous forme de facilitation de groupe et de counseling.
Le FWCT peut vous soutenir avec :
• Questions et préoccupations en matière de santé mentale
• Problèmes relationnels
• Soutiens pré et postnatals
• Soutiens à la jeunesse
• Soutenir les enfants et les dépendants ayant des besoins variés
• Des services de garde d’urgence et de relève sont disponibles lors de l’évaluation
Intake Phone: 778-533-7736
Intake Email: intake@emfrc.com
20. Plan & Prepare
Planifier & préparer
• Childcare Planning/Emergency
• It’s critical to have a solid care plan and backup plan
• When the best-laid plans fall through
• Get connected – join the Family Network and attend MFRC activities
to make connections
• Planification de la garde d'enfants/urgence
• Il est essentiel d'avoir un plan de soins et un plan de secours solides
• Quand les plans les mieux conçus échouent
• Établissez des liens - joignez le réseau des familles et participez aux
activités du CRFM pour établir des liens
21. Family Information Line
Ligne d'information pour les familles
1-800-866-4546
Canadian Forces Member Assistance Program
Programme d'aide aux membres des Forces canadiennes
1-800-268-7708
After hours Chaplain Line
Après heures de gardes
250-363-4032
Contact Information
Informations de contact
22. Esquimalt MFRC Phone
Téléphone du CRFM Esquimalt
250-363-2640
Toll-free anywhere in Canada
Sans frais partout au Canada
1-800-353-3329
Email / Courriel
info@emfrc.com
Website / Site web
cfmws.ca/esquimalt
Contact Information
Informations de contact
24. Sender’s 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
26. UNCLASS
UNCLASS
MAXIMUM SIZE FOR MORALE MAIL PARCEL
Max weight:
20Kgs
Max length of one side: 1m
Max Size:
H+W+H+W=Girth
Girth+Length= <2m
27. LIST OF PROHIBITED ITEMS
UNCLASS
UNCLASS
• Alcohol
• Tobacco products (including vape
juice)
• Corrosive or Flamable liquids/solids
• Pornographic material
• Knives
• Drugs and Narcotics
(including prescription/Over the
counter drugs/Vitamins)
• Compressed Gases/Aerosol
• Perishable Food items
• Lithium Batteries
28. PROHIBITED ITEMS
LITHIUM-ION BATTERIES FOR E-CIGARETTE CAUSED FIRE ON WESTJET FLIGHT: TSB
WestJet flight 113, bound for Vancouver, returned to Calgary soon after takeoff in June 2018 18 Jan 2019
"The passenger ... inadvertently packed two spare lithium-ion batteries for his e-cigarette ... in the front pocket of
the bag. The pocket also contained a dry herb vaporizer, a portable speaker, and USB cables,"
https://www.cbc.ca/news/canada/calgary/calgary-westjet-emergency-landing-tsb-report-1.4984057
LITHIUM BATTERIES
29. Could this break?
• Soda
• Food sauces
• Lotion
• Freezies
• Glass containers
31. CF MORALE MAIL DROP-OFF POINTS
UNCLASS
UNCLASS
Signal Hill MFRC
CPAC MFRC
Fleet Mail Office (Dockyard 37)
Naden Mail Room (Basement Nelles Block)
443 Squadron
Any Canada Post Post Office (Paid service)
Any MFRC Location (Free service)
36. AJAG Pacific
AJAG Spectrum of Legal Assistance
Power of Attorney (POA)
Wills
Travel Authorization Letter
SDB Beneficiary Form
Discussion Points
37. AJAG Pacific
Your personal legal affairs should be dealt
with by a civilian lawyer or notary
Legal Officers may provide assistance to
CAF members in case of urgent /
operational necessity (ref: CFAO 56-5)
Spectrum of Services
38. AJAG Pacific
Allows a person (the “adult”) to appoint
someone 19 years of age or older (BC) to
be their attorney (the “attorney”) to take
care of your financial and legal affairs on
your behalf.
General POA – ceases when incapable
Enduring POA – continues when incapable
Power of Attorney (POA)
39. AJAG Pacific
Examples of when you might use a POA:
Bill payments
Banking
Insurance for car or home
Bank loans
Mortgage payments
Buying or selling property, including cars and houses
Pay issues
Power of Attorney (POA)
40. AJAG Pacific
Do you need a Power of Attorney?
Some banks have their own “in-house” power of attorney forms
so check with your bank first;
Online transactions
Assets, esp. real estate
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)
41. AJAG Pacific
Who should be your attorney?
Someone you trust.
Not someone who has financial problems.
Not someone you don’t get along with, like an
estranged spouse.
There are potential consequences
resulting from picking the wrong
attorney!
Power of Attorney (POA)
42. AJAG Pacific
Allows a person (the “adult”) to appoint
someone 19 years of age or older (BC) to
be their Representative (the
“representative”) to make medical and
personal care decisions on their behalf.
Unlike a POA, it only applies when the adult is not
capable of making decisions themselves
When choosing a representative, you should use the
same care and diligence as choosing an attorney
Representation Agreement
(Rep Agmt)
43. AJAG Pacific
Major medical decisions
i.e. end of life care, major surgeries, treatment plans, etc.
Minor medical decisions
i.e. simple elective surgeries, choice between
medications, etc.
Personal care decisions
i.e. where you live, what you eat, the clothes you wear,
etc.
Representation Agreement
(Rep Agmt)
44. 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
45. AJAG Pacific
When a person dies without a will or “Intestate” someone
must apply to the Superior Court in their jurisdiction to act as
the Administrator/Personal Representative of the Estate
The province has a set formula to distribute estates, which
may not be what the person wanted
Guardianship arrangements for minor children
Establish trusts for minor/dependent children IOT avoid
involvement by the Public Guardian & Trustee
See the Wills, Estates and Succession Act for more details or
contact a civilian lawyer
Why You Might Want a Will
46. AJAG Pacific
Wills
• Basic CAF Will may be adequate for:
Single members
Simple finances
Spouse, but no children
47. AJAG Pacific
Suggest you get a Will from a Civilian Lawyer
if:
Mixed/Blended Families
Home owner
RRSPs, trust funds, stocks etc.
Children
Wish to have several persons as beneficiaries
Trusts for dependants
Will Kits May or May Not be Valid
Wills
48. AJAG Pacific
SAFEGUARD THE ORIGINAL POA,
REP AGMT, AND WILL
DON’T TAKE THEM WITH YOU ON
DEPLOYMENT
The Power is in the Document
49. AJAG Pacific
Review SDB Beneficiary form –
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
50. AJAG Pacific
Can be signed by any Reg Force Commissioned
Officer
Is proof that you consent to your child
traveling with a spouse or another person
May assist you when crossing border to US or
other borders with children
Example letter available for download from the
AJAG webpage
Travel Authorization Letter
53. Information Handling Instructions
54
This overall classification for this presentation is UNCLASSIFIED
This document is the property of the RCN and/or DND and shall not be altered,
copied and / or distributed without the permission of the Information Asset
Owner.
Information Asset Owner: HMCS Vancouver
55. UNDERSTANDING YOUR PAY STATEMENT
56
UNCLASSIFIED
Excerpt from Canadian Armed Forces Compensation and Benefits
Booklet for the Regular Force – See the SHO for a copy
57. UNDERSTANDING YOUR PAY STATEMENT
58
A – Amount Direct Deposited into your bank (for deployment purposes, it is the PDP amount set by SHO)
B – Date of the Direct Deposit
C – Date the Statement was issued
D – Currency used to calculate the amount (CAD)
E – Closing balance from your previous pay (as you retain a balance from pay to pay, this will carry over – from M)
F – Current pay and adjustments (breakdown shown in the Transaction Details section)
G & H – Taxable and non-taxable allowances
I – Year to Date totals
J – Sum of pay, taxable and non-taxable allowances (Total Credits for the month)
K – Total of pay deductions section (Total of Debit items such as EI, CPP, Pension, SDB, PMQ, etc for the month)
L – Total entitlement as of the statement date (usually ½ Net Monthly Entitlement )
M – Amount remaining in account as of the statement date (mid-month statements have the second half of NME, end-month
normally zero – unless on deployment. This is where the balance will be building)
N – Other pay allotments (mess dues, CANEX plans – identified as NPF as well as LARs)
O – Other deductions (PPLD and CFHD are broken down here, PSHCP as well as extra tax (for those who opt to pay more tax
through the year for larger return at tax time)
P – Notes (things DMPAP in Ottawa want you to know about your pay)
UNCLASSIFIED
58. DEPLOYED ALLOWANCES
59
Refs: A. MFSI 10.3
B. CBI Chapter 10
•Operations Foreign Service Premium (Ops FSP):
Ops FSP is based on points you accumulate while serving on overseas operations.
Points are calculated at the rate of one point per month of service outside
Canada on an operation. You are considered to have completed one month of
service where there is an entitlement to ten consecutive compensation days of
service in a calendar month.
•Hardship and Risk Allowances:
Hardship Allowance compensates for the living conditions existing at a specific
post while the Risk allowance compensates for the risks associated with a specific
post. This Allowance is set for each mission by the Departmental Hardship and
Risk Committee.
UNCLASSIFIED
59. HARDSHIP AND RISK LEVELS
60
Refs: A. MFSI 10.3
B. CBI Chapter 10
OP HORIZON – Indo Asia Pacific
Hardship Level 1 - $230/Month
Risk Level 1 - $230/Month
Effective 1 Jan 23 – 31 May 25
Departmental Hardship and Risk Committee Meeting Held 24 Nov 23
OP NEON
Hardship Level 1 - $230/Month
Risk Level 1 - $230/Month
Effective 1 Jan 23 – 30 Nov 24
Departmental Hardship and Risk Committee Meeting Held 31 May 23
UNCLASSIFIED
60. PRE-DETERMINED PAY
61
Ref: MHRRP Section 24 – Attach Postings and Attach Posting Messages – International Operations
With the support of the CO, all mbrs of the ships company will be placed on PDP (1/2
NME) which will be DFT’d to bank accounts twice a month as per any normal pay day.
All earned allowances will remain in the pay system to cover any pay parades that occur
during the deployment and any money owed after the ceasing allowances and tax relief.
PDP and tax relief will come into effect when we depart Pearl Harbour in August. All
other operational allowances will start when we enter the “box”.
The Ships Office will be able to make additional deposits of your allowances and tax relief
funds on a case by case basis.
UNCLASSIFIED
61. MEDALS
62
OP HORIZON – Special Service Medal Expedition (SSM EXP)
• Time needed for medal: 45 days cumulative days
• Bars: There are no bars for this medal
• This medal is not engraved
UNCLASSIFIED
62. MEDALS
63
OP NEON – Operational Service Medal Expedition (OSM EXP)
• Time needed for medal: 21 cumulative days
• Bars: Rotation bars can be awarded after a total of 210
days (including the 21 days needed to receive the medal
originally), and additional bars are awarded for each
subsequent period of 180 days
• This medal is engraved with service number, rank, initials
and surname
UNCLASSIFIED
63. DEPLOYED BENEFITS OUTLINE
64
• Family Care Assistance
• Transportation on Special Leave (SLTA)
• Home Leave Travel Assistance (HLTA)
• Custodial Expenditures
• Storage of Private Motor Vehicle and Related Expenses
• Rest & Recreation Fund
UNCLASSIFIED
64. FAMILY CARE ASSISTANCE
65
Ref: CBI 209.335
ELIGIBILITY
An officer, Regular Force Non-Commissioned Member, or Reserve Force on Class B/C Service, who has a
dependant who is less than 18 years of age or
18 years of age or older but requires assistance due to a physical or mental disability and is not in receipt of a
pension and who, for service reasons, is absent from their place of duty for a period of 24 hours or more if:
a) the member does not have a spouse or common-law partner; or
b) has a spouse or common-law partner who is a service member but that spouse or common-law
partner does not live at the member's place of duty for service reasons, or lives at the member's place of duty,
but for service reasons is absent from that place of duty during the same period.
UNCLASSIFIED
65. FAMILY CARE ASSISTANCE
66
Ref: CBI 209.335
ENTITLEMENT
Reimbursement is limited to (for commercial care services only):
a)$75/day with receipts; or
b)$35/day with a declaration in lieu of receipts.
Furthermore, members are entitled to the difference up to the maximums determined above between:
a) The amount paid by the member for dependant care services as a direct result of their being
absent from their family home or place of duty for a period of 24 hours or more; and
b) The amount normally paid by the member for dependant care services.
UNCLASSIFIED
66. TRANSPORTATION ON SPECIAL LEAVE (SLTA)
67
Refs: A. CBI 10.3.11
B. CBI 209.52
ELIGIBILITY
Members who would normally be entitled to LTA.
All conditions must be satisfied:
a) Member is on Special Leave (Embarkation or Disembarkation) immediately prior to or after
deployment;
b) Neither the member nor the family member utilized LTA in the 3 months prior to the travel (when
SLTA is being claimed before deployment);
c) Service outside Canada is/was more than 60 continuous days; and
d) During the Special Leave period, the member travelled to their family member at the family
members’ principle residence
UNCLASSIFIED
67. TRANSPORTATION ON SPECIAL LEAVE (SLTA)
68
Refs: A. CBI 10.3.11
B. CBI 209.52
ENTITLEMENT
Reimbursement is limited to transportation, accommodation (to facilitate the travel there and return) and meal
expenses, as if they are travelling on duty under the Canadian Forces Temporary Duty Travel Instruction
(CFTDTI). There is no entitlement to incidentals or any expenses while the member is at the principle
residence of the family member.
For greater clarity, SLTA does not have a cap on the reimbursement of transportation costs that would be
applied to LTA.
UNCLASSIFIED
It is important to note: SLTA is for travel to your NOK location only.
68. TRANSPORTATION ON SPECIAL LEAVE (SLTA)
69
Submit your SLTA package to the pay office with the following documents
1. Approved leave pass with Special leave dates
2. Verification of entitlement for SLTA form – completed.
3. Flight cost:
a) Either a fully purchased flight and/or;
b) Flight quote
UNCLASSIFIED
HOW TO REQUEST SLTA
Advances will be permitted up to 80% of the provided flight cost to assist with booking costs.
If claims are not provided to the Pay office 10 business days after the members return date;
the advance will be taken back off the members pay.
69. TRANSPORTATION ON SPECIAL LEAVE (SLTA)
FINALIZING SLTA CLAIMS
70
Upon your return from HLTA you will provide all below documentation to the PAY
office for reimbursement:
UNCLASSIFIED
What is required:
• Stamped Leave pass – from NOK location
• Verification of entitlement for SLTA form completed
• Receipts for claimable expenses incurred
• Flights and Taxi’s
Receipts MUST clearly indicate, Amount,
Currency paid in, Date of Purchase
A Credit Card Statement should only be
submitted to substantiate any cost occurred, in
other than CAD, for cost member was charged
by the card provider in CAD.
• Completed travel worksheet
• DND 432-E if advance was requested
70. HOME LEAVE TRAVEL ASSISTANCE (HLTA)
71
Refs: MFSI, Sect 21
CDIO 1000, 1.4-9 Annex F
For travel to a member’s home or previous place of duty, reimbursement
calculated in accordance with CBI 10.21.05 -HLTA for Travel to Home or Previous
Place of Duty for the direct return journey.
Reverse HLTA is no longer authorized.
UNCLASSIFIED
71. HOME LEAVE TRAVEL ASSISTANCE (HLTA)
72
Refs: A. MFSI, Sect 21
B. CDIO 1000, 1.4-9 Annex F
INTENT
Assists a member who is deployed or assigned to a place of duty outside Canada to reunite with their family
member. Is not taken in the first 30 or last 30 days of deployment.
ELIGIBILITY
All members of Ship’s Company deploying for a minimum consecutive 60 days.
ENTITLEMENT
Reimbursement subject to the number of consecutive days members will deploy with the ship and the type of
HLTA taken.
UNCLASSIFIED
72. HOME LEAVE TRAVEL ASSISTANCE
THIRD LOCATION HLTA
73
Refs: A. MFSI, Sect 21
B. CDIO 1000, 1.4-9 Annex F
For third location, Director of Compensation and Benefits Administration (DCBA) determines an allowance.
Travel is limited to one member or one member and a family member and must be taken outside the area of
operations. On completion of leave travel, the member is sent to the ship's location (next port of call, if
applicable). This travel is not included in the HLTA reimbursement calculation; it is only to enable the member
to rejoin the ship.
Members are authorized to book their own third location travel, but are encouraged to use PSP due to their
expertise in handling such requests. Third location HLTA will only be booked by PSP if requested by the
member. If PSP is used, and the costs are going to exceed the HLTA entitlement, the member must complete
a credit card authorization form to cover the additional amount.
UNCLASSIFIED
73. HOME LEAVE TRAVEL ASSISTANCE
OP CONSTRAINTS
74
It cannot be overstated the importance for personnel to understand, and to pass on to their
families, that HLTA will not be available for all members, and that these dates will be
subject to change at short notice, as operational requirements and mission sets may change
frequently throughout our deployment.
UNCLASSIFIED
74. HOME LEAVE TRAVEL ASSISTANCE
HOW TO REQUEST HLTA
75
1. Submit to your HLTA Request Package for pre-approval/screening:
a. Memo
b. Leave Pass
c. HLTA Request Form
d. Scanned/Copy Passport & Visa if req’d
e. Gov. of Canada Travel Advisory
f. Detailed Travel Plan (ie. Flight Itinerary quote for yourself and family member)
2. Once HLTA Request Package is approved and LEAVE PASS SIGNED travel can be booked by
PSP or yourself.
UNCLASSIFIED
If your Duty falls on a day while you are on HLTA you are responsible to
identify your replacement in your memo.
75. HOME LEAVE TRAVEL ASSISTANCE
CLAIMING
76
UNCLASSIFIED
What is required:
•Boarding passes
•Receipts for claimable expenses incurred
Receipts MUST clearly indicate, Amount,
Currency paid in, Date of Purchase
Statutory Declarations cannot be accepted and
Credit Card Statements cannot be used in lieu
of an actual receipt.
A Credit Card Statement should only be
submitted to substantiate any cost occurred, in
other than CAD, for cost member was charged
by the card provider in CAD.
Upon your return from HLTA you will provide all below documentation to the
PAY office for submission to PSP for processing.
76. CUSTODIAL EXPENDITURES
77
Ref: CBI 10.28.01
INTENT
Provides assistance for expenses associated with maintaining a vacant residence while on deployment
outside Canada.
ELIGIBILITY
Single members, service couples where both (and any dependants if applicable) will be away from the
residence, and deployed single parents with dependants under 18 years of age where the dependant will not
remain at the residence during the time the member is deployed.
UNCLASSIFIED
77. CUSTODIAL EXPENDITURES
78
Ref: CBI 10.28.02
ENTITLEMENT
Actual and reasonable expenses from a commercial firm of up to $275 per month, supported by receipts.
Costs include those related to snow removal, lawn maintenance, security, minor maintenance and additional
insurance costs. Reimbursement for partial months will be based on the number of calendar days in the
month.
NO ENTITLEMENT
Members who place their Household Goods & Effects (HG&E) in storage for the deployment or those
occupying single quarters.
UNCLASSIFIED
78. STORAGE OF PRIVATE MOTOR VEHICLE AND RELATED
EXPENSES
79
Ref: CBI 10.28.03
INTENT
To reimburse a member for the storage of a Private Motor Vehicle (PMV) when the shipment of the PMV to the
location of the deployment is not authorized.
ELIGIBILITY
All deployed members of Ship’s Company.
UNCLASSIFIED
79. STORAGE OF PRIVATE MOTOR VEHICLE AND RELATED
EXPENSES
80
Ref: CBI 10.28.03
ENTITLEMENT
Storage of the vehicle at public expense:
a) At the nearest place where commercial storage facilities are available at actual and reasonable
cost, supported by receipts; or
b) When commercial storage is unavailable or not practical, DCBA may authorize the use of a non-
commercial storage facility, of which the member's reimbursement is limited to $30 per month (See Pay Office
to confirm your circumstances prior to deployment); and
c) Return travel to the location of storage, where such storage facilities are necessarily outside the
place of duty, in accordance with Compensation and Benefits Instruction (CBI) 209.30 -Entitlements and
Instruction, (see Canadian Forces Temporary Duty Travel Instruction) in respect of that journey.
UNCLASSIFIED
80. STORAGE OF PRIVATE MOTOR VEHICLE AND RELATED
EXPENSES
81
Ref: CBI 10.28.03(3)
ENTITLEMENT
On return from deployment, reimbursement of expenses required to restore the vehicle to roadworthiness up
to $200. These expenses may include labour charges associated with a mandatory safety check, towing
charges, brake cleaning/adjustments and labour and minor parts associated with a minor tune up.
UNCLASSIFIED
81. STORAGE OF PRIVATE MOTOR VEHICLE AND RELATED
EXPENSES
OP CONSTRAINTS
82
It is important to note: Storage entitlements do not begin until HMCS Vancouver
leaves for Operation – Departing from Hawaii.
Please plan wisely and ask questions if there are any issues regarding the storage
and maintenance to your personal vehicle.
UNCLASSIFIED
82. REST & RECREATION FUND
83
Refs: A. CJOC CDIO 1000 Section 3 AnxC
B. PSP Policy Manual Chapter 2-1
INTENT
a) Enhance morale of deployed members;
b) Improve well being of individuals; and
c) Add to quality of life of deployed members.
ENTITLEMENT
Can be applied on a unit scale or individual basis to purchase Morale and Welfare products/services or offset
expenses incurred by members while in port. Subject to Commanding Officer approval.
UNCLASSIFIED
83. REST & RECREATION FUND
84
Refs: A. CJOC CDIO 1000 Section 3 AnxC
B. PSP Policy Manual Chapter 2-1
ELIGIBLE EXPENSES (INDIVIDUAL REIMBURSEMENT)
a) Accommodations, meals, transportation and other eligible expenses such as entrance fees to
cultural, sport or entertainment activities or to pay for entrance fees to recreation areas;
b) Organized tours for transportation, entrance fees, meals and other eligible expenses; and
c) Rental of recreation facilities for access to swimming pools, exercise facilities, golf courses,
beaches or similar recreational facilities.
ENTITLEMENT AMOUNT:
$60 per member per full month + $2 per day per member for partial month
Calculations for HMC Ships begin the day we leave after RIMPAC and stop the day we come alongside
Esquimalt.
UNCLASSIFIED
84. Conclusion
85
The Canadian Armed Forces Compensation and Benefits Booklet for the Regular Force is available through the SHO. It is for
informational purposes only. It is intended to summarize, not establish, compensation and benefits. It is not intended to
replace, modify or interpret Policies, Directives and Orders such as, but not limited to, QR&Os, DAODs, CBIs, or CFLPM.
Any concerns or questions can be addressed by the HRAs in SHO
UNCLASSIFIED
86. Financial Services Advisor - Insurance
Esquimalt – Workpoint Rainbow Building
Noakes.ted@cfmws.com
Ted Noakes MA CIM® CLU® CFP®
DEPLOYMENT
87. We are a team of financial advisors
offering unbiased advice and solutions
exclusively for CAF members, veterans
and their families.
DEPLOYMENT
SISIP Financial
88. We’re Here to Plan
Joining
the CAF
Posting/
Moving
Changing
Ranks
Deploying
Releasing
Buying a car
Marriage
Buying a
home
Becoming a
parent
Relationship
changes
Estate
planning
Retiring
Loss of a
loved one
89. How To Book an Appointment
Scan This
You Can Also Call
250-363-3301
Email
caissie.alicia@cfmws.com
harwood.erin@cfmws.com
ONLINE OR IN PERSON
91. SISIP Financial Advisors can help you:
• Maximize allowances and tax refunds to kick start
your finances
• Pay down debt?
• Start emergency fund?
• Invest in RRSP? TFSA? FHSA?
• Assist with the smooth transition of the finances
upon return
• Financial assistance if needed through Support our
Troops
Planning for Success
DEPLOYMENT
Financial Planning & Investing
92. Supplementary Death Benefit (SDB)
• How much will your beneficiaries
• Some people don’t know what this is
Protecting Yourself with Insurance
Life
Insurance
Beneficiaries
• Is your spouse or your ex-spouse? Parents?
• Would your kids get $500,000 when they turn
18? Do you want that?
Amount
• Is there enough?
• Are your debts covered?
• How soon would your family have
to move?
• Do you already have it from basic?
$50K
$4 / month
$500K
$40 / month
Wills?
Power of Attorney?
*35 year old non-smoker
93. HMCS VANCOUVER - Onboard May 13 – 17
• Go over financial health
• Check on coverage
• Check on beneficiaries
• Do insurance applications
94. “With EVERYTHING we do, we BELIEVE that each CAF Member and Family
deserves lifetime financial security.
EVERYTHING we offer in terms of service and advice stems from this conviction.
We believe those who serve have earned the right to feel safe in the knowledge
that, no matter what changes life brings, their futures are secure – and their
families can thrive.”
OUR VALUE STATEMENT
95
95. Happy to Help - Here for You and Your Family
Scan This
ONLINE OR IN PERSON
250-363-3301
CALL
EMAIL caissie.alicia@cfmws.com
harwood.erin@cfmws.com
97. Outline
98
The Chaplain for HMCS Vancouver is Chaplain Robert Schweyer:
robert.schweyer331@forces.gc.ca
To access the Ship’s Chaplain during the deployment please follow this process:
1. Phone the Esquimalt Duty Chaplain: 250-363-4032.
2. The Duty Chaplain will contact RJOC.
3. RJOC will contact the chaplain on the ship.
Religious/Spiritual Needs: Before the deployment, please advise the chaplain of anything
you may need. This includes special items for upcoming religious/spiritual holidays and
festivals.
98. Monthly Information Sessions with
HMCS Vancouver's Command Team
during the deployment are to be
determined. Information will be shared
when dates are confirmed.
Des séances d'information mensuelles
avec l'équipe de commandement du
NCSM Vancouver pendant le
déploiement doivent être déterminées.
Les informations seront partagées
lorsque les dates seront confirmées.
Additional Questions?
Questions Additionnelle?
Editor's Notes
Every Sailor, Every Day. Never too busy to say hello. Our success will be derived from our focus on our three main tasks (Lead, Train, Communicate), that will enhance trust and teamwork by maintaining a culture of respect and inclusion onboard. These priorities do not stand alone –they are intertwined, and we must live them – every day and in every interaction we share.
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. Sessions are currently happening virtually but in-person sessions can be scheduled as needed.
February 11, 2021 at 7pm-8:30. Kim Bartel will be speaking on supporting military connected children with the military lifestyle (deployments and postings for example). She’ll focus on attachment and regulation.
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. Sessions are currently happening virtually but in-person sessions can be scheduled as needed.
Aprox. 10 min
Morale mail needs BOTH a customs declaration – covered on the next slide – AND a list of contents.
This is to satisfy host nation customs requirements.
In recent years, Canada Post has moved away from hardcopy forms, meaning some post offices don’t have them.
Contact the MFRC, or the FMO, and we can provide you with a small supply.
NCV stand for No Commercial Value Ex: Documents/letters/handmade goods.
BE AS COMPLETE AND DETAILED AS POSSIBLE.
Failure to list items WILL lead to the parcel being opened and inspected.
This may cause delays, or the parcel being returned.
Remember – We x-ray ALL items.
Max weight 20 Kgs or 50 Lbs
Max length 1m or 100cm
The FMO is limited to a what can fit into the mailbag – thus these maximums.
A photocopier paper box is a good size, ideally use something the size of a shoebox.
Alcohol
Tobacco and Tobacco Products – Includes snuff, Chew, and vapes
Corrosive or flammable liquids and solids – i.e. hand sanitizer.
Porn –
Knives – and other weapons
***** Drugs and narcotics (including prescription drugs) Have to go thru the Medical chain of command. This can also include over the counter medication depending on the country
Compressed gases, Aerosol, pop cans – danger of rupturing in transit
Perishable food items.
Lithium batteries have become widespread in a variety of small electronics.
They have also been the cause of numerous – and sometimes lethal – aircraft fires.
The damage show here was caused by an e-cigarette battery inadvertently packed in the passenger’s checked bag.
You can also see the damage to the aircraft’s cargo hold.
In this case the fire was detected shortly after takeoff and the plane was able to return to the Calgary to make an emergency landing.
Others are were not so lucky.
This is what happened when a jar of salsa chip dip broke before it arrived in the FMO.
Take care when packing your shipment. Liquids – where allowed – should be in plastic bag/wrap so if the container breaks it will not damage the rest of the contents or someone else’s mail.
Imagine what that parcel would have been like after two weeks – including sitting outside in a tropical port.
We x-ray all Ship’s Mail and 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.
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 does not provide 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 officer’s availability, jurisdiction of call, level of experience and areas of competence.
Our services are in no way intended to replace civilian legal advice. Our lawyers do not practice in these areas of law.
*Be aware that in some jurisdictions notaries are limited in the types of services they can provide i.e. in BC they cannot create testamentary trusts. Whereas in Quebec, notaries draft nearly all estate/incapacity planning documents
POAs do not apply to health care decisions – “can’t pull the plug” – Representation agreement covers medical/personal care decision making.
POAs are valid in BC – if planning to use it out of province, confirm with institution first. You may need to consult with a lawyer in the jurisdiction you wish to use the POA.
+ If you own property in another province, a POA executed under BC law will more than likely not cover it.
If you have a POA from another jurisdiction, it can be valid in BC if it comes with a notarized letter stating that it meets all of the validity requirements in the originating jurisdiction.
Two main categories of POAs:
1. General POA
Ceases when you become incapacitated
2. Enduring POA
Continues even when you`re incapacitated
POAs can:
Can come into effect upon the occurrence of a certain event (springing)
Have time limits
Restrict certain activities/decision
Constrain the Attorney to specified activities/decisions
Have alternates
Give the attorney the power of appointment (i.e. can name a replacement Attorney)
*can even allow the attorney to transfer property to, or otherwise benefit, themselves* ***typically only used when a spouse is the attorney, very risky***
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 – if you anticipate selling or buying real estate, speak to your lawyer and mortgage broker immediately as you will need the consent of the lender and may require an additional form that needs to be signed and you must have a lawyer notarize it.
- A POA not witnessed by a lawyer is not valid for conveyances in BC, Land Titles will not accept the transfer.
Although it is a legal document, there is NO REQR FOR INSTITUTIONS TO ACCEPT! COORDINATE IN ADVANCE – go to each institution and ask AHEAD of TIME - Hence don’t leave the signing until the last minute. Probably don’t want to waste time litigating this.
- To clarify, an institution has a legal obligation to take instructions from an Attorney, however, if they refuse to recognize the POA, the only way to force them to act on the Attorney’s instructions is to obtain a court order, it is hardly ever worth the time and money to take these issues to court, just use whatever documents they want you to use.
May Not be Required if:
You have no assets
You have joint accounts
No real estate transactions are anticipated
You have reliable access to the internet
Your insurance policies will not be up for renewal while you are away
Health/personal care decisions will be discussed next
Decisions around child care are legally complex and fall under each province’s family law regime. If the member is separated or divorced or is living in a mixed/blended family, they should speak to a family law lawyer to get advice on their specific circumstances.
- In BC it is sometimes possible to appoint a temporary guardian, but members should consult a lawyer as a court order may still be required.
Choose your attorney carefully.
Not someone with financial problems – not someone you don’t get along with – 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 they can’t have any incentive to act against your best interest.
Rep Agmts are valid in BC – if planning to use it out of province, confirm with a lawyer in that jurisdiction first
Other provinces will have different names for Rep Agmts
If you do not have a Rep Agmt, the Health Care (Consent) and Care Facility (Admission) Act sets out who the doctors would turn to as a substitute decision maker i.e. spouse, adult children, parents, siblings, etc. (it may not be who you want and all members in each class are considered equals)
A Rep Agmt can place restrictions and/or constraints on the types of decisions a pers representative can make
A Rep Agmt can work with or independently of an advance directive
An advance directive sets out specific treatments that you want or do not want
A Rep Agmt gives your representative the authority to make medical decisions on your behalf
The Personal Representative must only act in the best interest of the Adult and in accordance with their instructions, or if those are not known, in accordance with their values and beliefs.
A document that instructs how an estate should be distributed in the case that the will maker dies.
It can also set out who is to care for any minor children or adult dependents, who takes the pets, funeral arrangements, etc.
Everyone has likely 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 will maker to distribute their property and assets as they wish.
In a will you normally appoint an executor and trustee, who can be one or more individuals or an institution 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 sits until an administrator is appointed.
A CAF Will is best suited for:
Spouse and 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!!!!
Clerks are generally good about ensuring names, dates, signatures, and witness affidavits are complete
Member must name an executor
Member must name must complete the residue portion of the will at a minimum
- Even if you are a single member with no children or dependents it may not be suitable. As an example, a CAF will is not suitable if you wanted to leave money to other minors or disabled family members because it does not allow for the creation of trusts.
We strongly recommend that you retain a civilian lawyer and not just rely on a CF will, if:
Mixed/blended families
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 many companies doing these - My recommendation is to get professional advice! – create lots of business for lawyers due to validity issues and unclear terms
If you do a will kit, make sure you also have a CF will certificate.
adult/Attorney: safeguard the original – (you get the original – most institutions want originals or certified true copies from a lawyer/notary)
Do not take them with you – they won’t help you on ship
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)
When a beneficiary is named in any registered investment or insurance policy, it does not form part of the deceased’s estate and goes directly to the named beneficiary.
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 – 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 it—preferably 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 + gov’t ID each
This presentation is owned by the RCN and the information therein is not to be disclosed outside of RCN lines without prior approval of the Information Asset Owner (IAO), or senior person being briefed.
If a limited distribution list is in force, ensure you detail who can have access to the information.
Briefers are to ensure audiences are aware of sensitivities of information in the presentation and any special handling required.
1. IAO is the position (not persons) responsible for the produced information. Normally Director and above (or equivalent positions).
2. Special Handling Instructions are those mandated in RCN Security of Information Directive or NDSODs Ch 6 - for example Controlled Goods.
Examples of SPECINST are “Advice to xxxx – Limited Distribution” (specifying the distribution) or “Honours and Awards – Limited Distribution”.
Drafters should re-assess any SPECINST as the situation changes.
A – Amount Direct Deposited into your bank (for deployment purposes, it is the PDP amount set by SHO)
B – Date of the Direct Deposit
C – Date the Statement was issued
D – Currency used to calculate the amount (CAD)
E – Closing balance from your previous pay (as you retain a balance from pay to pay, this will carry over – from M)
F – Current pay and adjustments (breakdown shown in the Transaction Details section)
G & H – Taxable and non-taxable allowances
I – Year to Date totals
J – Sum of pay, taxable and non-taxable allowances (Total Credits for the month)
K – Total of pay deductions section (Total of Debit items such as EI, CPP, Pension, SDB, PMQ, etc for the month)
L – Total entitlement as of the statement date (usually ½ Net Monthly Entitlement )
M – Amount remaining in account as of the statement date (mid-month statements have the second half of NME, end-month normally zero – unless on deployment. This is where the balance will be building)
N – Other pay allotments (mess dues, CANEX plans – identified as NPF as well as LARs)
O – Other deductions (PPLD and CFHD are broken down here, PSHCP as well as extra tax (for those who opt to pay more tax through the year for larger return at tax time)
P – Notes (things DMPAP in Ottawa want you to know about your pay)
I’ll begin by introducing myself (and colleagues) and SISIP Financial.
As a CAF member, veteran and families, you have exclusive access to SISIP Financial.
SISIP Financial is a team of advisors located at bases and wings across Canada offering advice and solutions such as:
Insurance Needs Assessments designed for CAF members,
Life, Critical Illness, & CAF Long Term Disability or LTD Insurance, (note, CAF LTD coverage is automatic for members; this plan is administered by SISIP and insured by Manulife)
Financial Planning and Advice
Savings & Investment solutions,
Financial Counselling, such as budgeting and debt reduction, and Financial Education tailored to CAF members
What makes SISIP unique is:
We are dedicated to CAF members, veterans and your family members. This means we understand the CAF lifestyle. We understand your pay and allowances. We know your pension. We know what a posting is, a DAG, a release....and we know what financial impacts these can have and how to help you plan accordingly.
The second thing that makes SISIP unique, is, as mentioned earlier, we are a social enterprise. This means we exist to serve you, our members. Period. Regular financial institutions and banks are designed to maximize profits for shareholders, and this can impact the service and advice their customers receive. As a social enterprise, at SISIP we provide unbiased advice and solutions that are in your best interest. When members get their insurance and investments with us, we do earn some revenue. This goes towards paying our expenses, such as salaries of our financial professionals, like me. Any remaining revenue is invested in programs and services on bases and wings. Since 2015, SISIP Financial has contributed over $140M to these programs. You may have been to an event at your base or wing and seen a big cheque presented to the CO, or seen picture on the wall in Canex? This is SISIP giving back to the CAF community.
Good morning [afternoon], my name is [name], I'm a [title], and I’m happy to be here to speak with you about finances and how SISIP Financial can help. [Introduce SISIP co-presenter if applicable].
Life is a journey with its fair share of twists and turns. Whether it's saying, "I do," expanding the family, or embarking on a new career, each transition requires a thoughtful approach to navigate money matters successfully.
Navigating the financial landscape during your releasing transition is like solving a puzzle. From understanding pension intricacies to adapting to new health care dynamics and establishing a new financial baseline, it's a multi-faceted journey.
Releasing from the Canadian Armed Forces isn't just about returning your gear; it's also about recalibrating your financial compass.
There are many reasons that members release: retirement, medical, new career opportunities, or perhaps a change in life priorities. Each one brings its own unique financial considerations and opportunities.
SISIP Financial is here for you during your release transition and after; we serve veterans too. Whether you’re in the early stages of planning your release or already have your release date in mind, a SISIP Advisor can provide advice on all types of money matters.
We understand the ins and outs of your CAF pension, insurance transfer options, and the intricacies of the release process.
We work exclusively for CAF members, Veterans and their families. Members count on us for unbiased advice and quality solutions that are in your best interest.
Taxes are something we’d all prefer to pay less of, and financial advice can help minimize the taxes you pay. We apply four main strategies, and work closely with you and your accountant, if you have one, to ensure measures are taken to minimize taxes and plan for possible tax shortfalls in transition years.
Deduct – Defer – Divide – Tax Credits are the key strategies we use and advise on.
Within each of these strategies are several options. Of course, there is no one size fits all. The strategies most effective for you will depend on your financial situation.
Regardless of the type of life insurance you proceed with, it is key to check your current beneficiaries and make sure everything is up to date.
We have many examples where a former spouse or partner is a beneficiary of a policy – which means they get the money should something happen.
We also want to remind you that, as ______ mentioned in the pension presentation, the Supplementary Death Benefit (SDB) coverage can be continued if you meet certain conditions. This is something SISIP knows to ask about and will be considered during the Insurance Needs Analysis and any advice we provide to ensure members aren’t excessively covered (and overpaying for insurance). SISIP doesn’t administer SDB, but it needs to be considered in your overall coverage and as part of your plan.
If you are eligible for tax breaks or allowances, seize the moment and make a plan for your money. Can this be used to pay down bad debt or your mortgage? Set up an emergency fund? Invest in an RRSP / TFSA / FHSA for your future? A SISIP advisor will talk to you about your goals and help determine the best plan for your finances.
Regardless of the type of life insurance you proceed with, it is key to check your current beneficiaries and make sure everything is up to date.
We have many examples where a former spouse or partner is a beneficiary of a policy – which means they get the money should something happen.
We also want to remind you that, as ______ mentioned in the pension presentation, the Supplementary Death Benefit (SDB) coverage can be continued if you meet certain conditions. This is something SISIP knows to ask about and will be considered during the Insurance Needs Analysis and any advice we provide to ensure members aren’t excessively covered (and overpaying for insurance). SISIP doesn’t administer SDB, but it needs to be considered in your overall coverage and as part of your plan.
Regardless of the type of life insurance you proceed with, it is key to check your current beneficiaries and make sure everything is up to date.
We have many examples where a former spouse or partner is a beneficiary of a policy – which means they get the money should something happen.
We also want to remind you that, as ______ mentioned in the pension presentation, the Supplementary Death Benefit (SDB) coverage can be continued if you meet certain conditions. This is something SISIP knows to ask about and will be considered during the Insurance Needs Analysis and any advice we provide to ensure members aren’t excessively covered (and overpaying for insurance). SISIP doesn’t administer SDB, but it needs to be considered in your overall coverage and as part of your plan.
Taxes are something we’d all prefer to pay less of, and financial advice can help minimize the taxes you pay. We apply four main strategies, and work closely with you and your accountant, if you have one, to ensure measures are taken to minimize taxes and plan for possible tax shortfalls in transition years.
Deduct – Defer – Divide – Tax Credits are the key strategies we use and advise on.
Within each of these strategies are several options. Of course, there is no one size fits all. The strategies most effective for you will depend on your financial situation.
Be sure to fill out your evaluation forms or online.