Tax levies, subsidies could pay for high-risk flood insurance, report says

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Heavy snow and bitter cold in Environment Canada’s forecast for Ontario

TORONTO _ The Environment Canada forecast says Ontario is in for a blast of heavy winter weather today.

Snowfall warnings, and special weather advisories have been issued for most areas of the province.

A weather system moving from west to east is expected to dump five to 15 centimetres of snow across the region starting this morning. As much as 25 centimetres could fall on parts of the Greater Toronto Area.

Winds gusting to 50 kph are expected to blow the snow around, making for treacherous driving conditions.

And it will be cold, with frostbite inducing wind chill values of minus 20 C to minus 30 C.

Extreme cold warnings have been posted across northern Ontario. The forecast high today for Thunder Bay is minus 21 C with wind chill values ranging from minus 28 to minus 50.

Fewer CDN’s have disability coverage through workplace benefits, leaving them more at risk


Summary: The number of Canadians with disability coverage through workplace benefits has fallen significantly since 2015 – 48% vs 57%. Of those Canadians without disability coverage through their workplace, 84% have not bought coverage themselves. Yet, if faced with the possibility of becoming disabled and unable to work for three months, 68% admit they would face serious financial trouble. However, when it comes to accessing disability coverage, where and how Canadians find work are strong barriers, along with affordability.

The number of Canadians with disability coverage through workplace benefits has declined significantly since 2015, according to a recent RBC Insurance survey. Fewer than half (48 per cent) of employed Canadians say they have disability coverage through their workplace benefits, compared to 57 per cent in 20151. Of those without disability coverage through their workplace, 84 per cent have not bought coverage themselves, leaving them at financial risk if unable to work due to a disability.

“With the majority of employed Canadians indicating that they do not have disability insurance through their workplace benefits package, workers need to review what coverage they do have and take immediate steps to ensure that they are well protected in case something were to happen,” explains Maria Winslow, Senior Director, Life & Health, RBC Insurance. “Without the proper financial protection in place, Canadians are putting themselves and their families at risk if they are faced with a disability and have to take time off work.”

Being off work takes a financial toll that many people are not prepared to handle. A majority (68 per cent) of working Canadians acknowledge the possibility of serious financial implications for them and their family if they were to become disabled and unable to work for three months. In fact, when faced with a disability, 45 per cent of working Canadians would have liked to take time off due to disability but could not because of finances, and 51 per cent said they were forced to go back to work earlier than they wanted because of their financial situation.

“When confronted with a disability, the last thing that should be on your mind is worrying about finances. Purchasing individual disability coverage provides you with the security of knowing you will have money coming in to replace your lost income,” says Winslow.

Barriers to Accessing Disability Coverage
Increasingly, where and how Canadians find work are strong barriers to accessing disability insurance coverage. Those without coverage say:

  • Their workplace doesn’t offer group benefits or disability insurance (35 per cent)
  • They work part-time or on contract and aren’t eligible for benefits (25 per cent)
  • They’re self-employed or freelance (22 per cent)

Cost is another key barrier – one in four (26 per cent) working Canadians without disability coverage feel they cannot afford it.

“There’s a misconception that disability insurance is expensive, yet it’s much less than you might think – generally costing between one and three per cent of your income,” adds Winslow.

Here are a few things Canadians should consider:

  • The best time to buy disability insurance is before an injury or illness occurs.
  • Don’t choose a policy on price alone. Be aware that the prices are aligned with the features and benefits of the policy. Make sure you know the policy’s definition of disability, as the definition may vary among carriers.
  • Review the coverage available through your employer and consider whether you need additional coverage to fill in the gaps.
  • Disability insurance is essentially an income replacement policy; it is designed to cover a portion of your income should you become unable to work.

About the RBC Insurance Survey
These are some of the findings of an Ipsos poll conducted between January 2nd and January 4th, 2018 on behalf of RBC Insurance. For this survey, a sample of 1,505 employed Canadians aged 18+ was interviewed. Weighting was then employed to balance demographics to ensure that the sample’s composition reflects that of the adult population according to Census data and to provide results intended to approximate the sample universe. The precision of Ipsos online polls is measured using a credibility interval. In this case, the results are considered accurate to within ±3.0 percentage points, 19 times out of 20, had all working Canadian adults been polled. The credibility interval will be wider among subsets of the population. All sample surveys and polls may be subject to other sources of error, including, but not limited to coverage error, and measurement error.

About RBC Insurance
RBC Insurance® offers a wide range of life, health, home, auto, travel, wealth and reinsurance advice and solutions, as well as creditor and business insurance services to individual, business and group clients. RBC Insurance is the brand name for the insurance operating entities of Royal Bank of Canada, one of North America’s leading diversified financial services companies. RBC Insurance is among the largest Canadian bank-owned insurance organizations, with approximately 2,500 employees who serve more than four million clients globally. For more information, please visit

1 2015 RBC Insurance survey


The Weather Network’s Halloween Forecast–should Canadians be frightened

After experiencing freakishly warm temperatures during parts of the fall, some Canadian trick-or-treaters could be startled by the cold this Halloween.

“With fall in Canada, you’re never quite sure what’s lurking behind the corner,” said Chris Scott, Chief Meteorologist at The Weather Network. “In the final days leading up to Halloween, conditions will vary sharply across Canada and this active weather pattern has the potential for a few surprises, so be sure to check the forecast frequently.”

In addition to paying close attention to the weather, Canadians are encouraged to take note of the sunset times in their area. If planning to trick-or-treat after dark, think about adding reflective tape to costumes or incorporating glow sticks to make your little ones more visible to drivers. And, because nothing ruins a great costume like a bulky jacket, remember to help your kids stay warm by layering clothing under their outfits.

Since it’s scary how fast a weather forecast can change in the fall, parents should stay prepared by visiting or by downloading The Weather Network App. Canadians can also upload photos and videos of their spooky decorations and costumes, and share them with The Weather Network on Twitter and Facebook using #ScareYourWeather.

Sunset Times & Historical Halloween Weather  


Sunset Time (Local)

Average Temperature

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Thunder Bay


















































St. John’s




















About Pelmorex Weather Networks
Pelmorex Weather Networks, a division of Pelmorex Corp., is a leading international provider of weather-related information services. It operates in North AmericaEuropeLatin AmericaIndia and Australia under the brands The Weather NetworkMétéoMé and Clima. The Weather Network and its French counterpart MétéoMédia are Canada’s most popular weather and information services on TV, web and mobile apps. Eltiempo is Spain’s leading multi-platform weather information provider. Pelmorex also operates Canada’s National Alerting Aggregation and Dissemination System (Alert Ready) which aggregates and distributes emergency alerts issued by authorized government agencies.

SOURCE The Weather Network

If You Can’t Take the Heat…Speak Up!

What’s at Stake?

The body normally cools itself by sweating. During hot weather, especially with high humidity, sweating isn’t enough. Body temperatures can rise to dangerous levels if you don’t drink enough water and rest in the shade. You can suffer from heat exhaustion or heat stroke.

In 2014 alone, 2,630 workers suffered from heat illness and 18 died from heat stroke and related causes on the job. Heat illnesses and deaths are preventable.

What’s the Danger?

Any worker exposed to hot and humid conditions is at risk of heat illness, especially those doing heavy work tasks or using bulky protective clothing and equipment. Some workers might be at greater risk than others if they have not built up a tolerance to hot conditions, including new workers, temporary workers, or those returning to work after a week or more off. All workers are at risk during a heat wave.

The three main heat related illnesses are heat stroke, heat exhaustion, and heat cramps. Heat stroke can be fatal and heat exhaustion and heat cramps can quickly lead to heat stroke if left untreated.

How to Protect Yourself

To prevent heat related illness and fatalities:

  • Drink water every 15 minutes, even if you are not thirsty.
  • Rest in the shade to cool down.
  • Wear a hat and light-colored clothing.
  • Learn the signs of heat illness and what to do in an emergency.
  • Keep an eye on fellow workers.
  • “Easy does it” on your first day of work in the heat. You need to get used to it.

Source: SafetyNow

Auditor general finds climate change action items lack implementation plans and timelines

Source: Auditor General of New Brunswick

Auditor General Kim MacPherson has tabled her report assessing New Brunswick’s progress towards reducing greenhouse gas (GHG) emissions and adapting to climate change. This report is part of ongoing work on climate change by all auditors general across Canada.

Emissions in New Brunswick have declined from their peak in 2005 and reduction targets set for 2020 in the provincial climate change action plan are on track to be met. However, MacPherson found emissions are not projected to decline much further under the status quo, and meeting 2030 and 2050 targets will require significant action from provincial and federal initiatives.

“Overall, we found many action items do not have timelines or implementation plans,” said MacPherson. “If targets were legislated, it would give government authority to enforce these actions.”

Nova Scotia and three other provinces have demonstrated commitment to reducing emissions by legislating GHG reduction targets. MacPherson recommended New Brunswick GHG emission targets also be legislated.

MacPherson’s report shows New Brunswick emissions represent only a small portion of Canada’s overall output, but the province ranks as the seventh highest GHG emitter per capita.

Electricity generation, industry and transportation are the three dominant contributors to New Brunswick’s GHG emissions.

The report also shows that while NB Power has renewable energy targets, it does not have specific GHG reduction targets to guide reduction efforts in the future.

In addition, a recently announced federal initiative to phase out coal-fired electricity by 2030 also poses potential operational risks to NB Power, as its Belledune Generating Station produces 13 per cent of NB Power’s total capacity.

“As one of the province’s largest emissions producers, NB Power should have specific reduction targets set,” said MacPherson. “In addition, impacts and solutions relating to a potential phase-out of the Belledune coal-fired plant should be developed and analyzed.”

MacPherson found vulnerability assessments have been completed in 46 communities in New Brunswick. However, no provincial comprehensive risk assessment or vulnerability assessment specific to NB Power has been performed.

“Adapting to climate change may be one of the greatest challenges for communities, governments and corporations in the coming decades,” said MacPherson. “Without a comprehensive risk assessment for the province, it will be difficult to consistently identify risks and priorities.”

MacPherson made five recommendations to the Department of Environment and Local Government which include:

  • proposing to cabinet that GHG emission targets be legislated;
  • setting specific GHG emission reduction targets for NB Power to ensure the provincial targets are achievable; and
  • finalizing an implementation plan that describes how and when the actions identified in New Brunswick’s Climate Change Action Plan will be implemented.

MacPherson also made three recommendations to NB Power, which include performing a corporate climate change vulnerability assessment and one recommendation specific to the Belledune Generating Station.

The chapter on climate change can be found in Volume I of the 2017 Auditor General’s Report, which also contains a chapter on a Department of Social Development advisory services contract. The report and one-page summaries for the chapters are available online.

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