Welcome to the latest issue of CARP Action Online!


August 20, 2014

The beginning of the end of workplace age discrimination
The end of mandatory retirement signals progress but much work remains to be done

How often do you hear: “there oughta be a law!” Changing the law to redress a wrong is certainly the first step but rarely the last. So it is with mandatory retirement – forcing someone to retire at a set age despite being fully capable of doing the job – is no longer legal thanks to the passage of Bill C-13 in December. But that doesn’t mean workplace age discrimination has been eliminated. Law firms are already debating “how” to get rid of older workers – without a thought as to “whether” they should. Read more
Meet Minister Alice Wong, Minister of State for Seniors

CARP members, seniors and other major stakeholders are meeting with Minister Alice Wong to discuss both the opportunities and challenges facing seniors in Canada, as well as their hopes and aspirations. Alice is an educator, entrepreneur and active community leader who immigrated to Hong Kong in 1980. Currently she is the Member of Parliament for Richmond, British Columbia, and Minister of State for Seniors. Read more

Ottawa will not go ahead with securities plan: Flaherty
Sun sets on hopes for a National Securities Regulator

“What this does is set the constitutional platform for us to move forward and actually build a national regulator for Canada, which is essential for our capital markets,” said Ian Russell, President and CEO of the Investment Industry Association of Canada. The seniors advocacy group CARP issued a statement expressing disappointment with the ruling, noting that its members were looking forward to improved investor protection via stronger investigative powers under the proposed national body. “Now the provinces, especially those that opposed the national body, must step up and demonstrate how they would replace that vital investor protection,” said Susan Eng, CARP’s vice-president for advocacy. Read more
Supreme Court decision disallows National Securities Regulator – Dashes hope for better investor protection
CARP Press Release

CARP is disappointed with the Supreme Court decision that will effectively stop the National Securities Regulator. The proposed agency had promised better investor protection – something that CARP members have demanded. The National Securities Regulator had been expected to include an enforcement and investigation function to provide a strengthened, more coordinated regulatory and criminal enforcement regime to better protect investors from misconduct in Canada’s capital markets. Read more
Seniors catch pension break
CPP Changes for 2012

CHANGES: Amendments to the federal plan mean Canadians over 60 can improve retirement incomes while working on the job Changes to the Canada Pension Plan could help seniors who un-retire while they collect, and add to, their pensions. Pension amendments, which quietly took effect Jan. 1, allow people older than 60 the option of improving their retirement incomes at the same time as they work at a job. “There there are some people who are growling but for the larger part, the changes are positive,” said Susan Eng, vice-president of advocacy at CARP, Canada’s national organization for older people. Read more
Susan Eng on Power and Politics
CARP Video

On December 21st, 2011 CARP VP of Advocacy Susan Eng appeared on Power Politics to debate why Federal Spending should be directed towards the retiring boomer population. Read more
Ottawa Chapter Chair Discusses CBC Changes with CBC Radio
Ottawa Chapter Chair Discusses CPP Changes with CBC Radio

In early January CARP Ottawa Chapter Chair Janet Grey spoke with CBC Radio about CPP Changes for 2012. If you're looking for a quick way to get up to date, this clip is for you. Read more
CARP Press Release Gets Full Page Coverage in Retired Living
In December 2011, CARP’s press release on PRPPs and pension reform received full page placement in the print edition of Retired Living. Read more

Your Guide to the Supreme Court’s Recent Securities Ruling and Protecting your Investments
Part 1: Investor Recourse and the Regulatory Landscape

As far as CARP is concerned, the best reason of them all was that having a single, Canadian securities regulator would also address the issue of inadequate enforcement and inconsistent investor protection across Canada. Currently, fraudsters banned in one province simply move to a new province and continue operating. Canada has a securities enforcement mosaic, where each provincial securities commission has its own priorities, resources and varying levels of expertise. In 2006, the Crawford Panel on a Single Canadian Securities Regulator expressed “profound concern about ineffective enforcement,” which it called a “domestic and international embarrassment for Canada”. Read more
If you experience problems completing the survey, please fill it in here.
CARP Investor Protection Poll
CARP advocates for a National Investor Protection Agency like that envisaged by the Canadian Securities Regulator with enforcement powers to protect investors. How important is it to you that CARP supports this effort?

Extremely important

Very important


Not very important

Not at all important


How would you describe your reaction to the idea of a National Investor Protection Agency with enforcement power to protect investors?

Good thing - provides protection for investors

Good thing - imposes national standards on securities dealers

Good thing - provides redress and restitution for investors

Good thing - OTHER

neither good thing nor bad thing

Not such a good thing - ignores provincial differences

Not such a good thing - This is provincial responsibility, not federal

Not such a good thing - Needs to be locally accessible

Not such a good thing - OTHER


How important to you is it, now that a Canadian Securities Regulator has been turned down by the Supreme Court, that the provinces cooperate to create a National Investor Protection Agency that has enforcement powers and the ability to order restitution to investors?

Extremely important

Very important


Not very important

Not at all important


CARP has called for a National Investor Protection Agency with the following components: specialized investigators and prosecutors, tribunal with authority to cancel deals and order restitution, a compensation fund to pay restitution and direct coordination with the RCMP. How effective do you think this type of agency would be at protecting investors?

Extremely effective

Very effective


Not very effective

Not at all effective


What do you think is the best solution to protecting investors against financial fraud?

Financial literacy awareness and instruction program

‘Name and shame’ perpetrators in public

Searchable online database of perpetrators/types of scams

National hot line to report fraud/suspect offers/pitches

Specialized fraud investigation/prosecution teams working with police

National Investor Protection Agency with enforcement and restitution powers

Provincial Securities Regulators working closely together on enforcement

More research and study



The most common form of elder abuse is financial elder abuse. Which one of the following do you think is the most damaging form of elder financial abuse?

Charities targeting seniors

Unscrupulous door-to-door salesmen

Telephone pitches for stocks and other products

Children/grandchildren demanding early inheritance/bequest Children/grandchildren expecting to live rent-free in seniors’ homes

Children/grandchildren expecting expensive gifts/travel

Unauthorized bank charges/withdrawals/cheque cashing

Inappropriate financial advice for older investors

Friends/family borrowing/not repaying money



Thinking of these examples, have you ever been a victim of elder financial abuse?



Do you know anyone who has been a victim of elder financial abuse?



What do you think would be the most effective way of punishing perpetrators of elder financial abuse?

Stiffer sentences than are currently imposed

Mandatory jail time

Public ‘naming and shaming’ in the media

Perpetrators to conduct public awareness workshops

High profile prosecution of offenders

Asset-stripping/wage garnishing of wages to repay investors



What do you think is the primary thing individuals can do to protect themselves against financial fraud?

Don’t give out PIN

Know about your risk tolerance and be knowledgeable about investments

Never give out personal information over the telephone/to strangers

Shred all all bank/credic card statements that come through the mail or opt to have electronic statements

Know how your advisers/brokers are being paid (on commission/fee etc.)

Remain socially active (avoid isolation)

Always seek third party advice when dealing with financial matters with family

Always check references and perform due diligence when hiring caregivers, advisors and helpers



How important is it to you that CARP helped convince the federal government to outlaw mandatory retirement in federally-regulated industries?

Extremely important

Very important


Not very important

Not at all important


How would you describe your reaction to the success of ending mandatory retirement?

Good thing - qualified people have the right to work as long as they want to

Good thing - older workers need the work/money

Good thing - we have a labour shortage

Good thing - OTHER

Neither a good thing nor a bad thing

Not such a good thing - prevents younger workers from moving up

Not such a good thing - older workers are expected to keep on working

Not such a good thing - interferes with employer/employee relationship

Not such a good thing - OTHER


What do you think is the best solution to ensuring older workers have the right to contribute to the workplace as long as they want to?

Anti-age discrimination awareness programs

Government job set-asides for older workers, similar to those for veterans

Government funded job fairs

Government funded retraining/lifelong learning

Mentorship programs to use experience of older workers

More job creation in all age groups across the economy

Seniors’ Jobs Corps, to work as paid ‘volunteers’ in education, health care, etc

More research and study



CARP has also helped make more stringent sentencing for perpetrators of elder abuse a priority of this government. How important is this to you?

Extremely important

Very important


Not very important

Not at all important


How would you describe your reaction to this?

Good thing - will reduce incidence of elder abuse

Good thing - will bring more awareness of the issue

Good thing - will prove government is serious about ending elder abuse

Good thing - OTHER

Neither a good thing nor a bad thing

Not such a good thing - won’t do anything to reduce elder abuse

Not such a good thing - doesn’t get at the root causes of elder abuse

Not such a good thing - distracts attention from real problems

Not such a good thing -OTHER


What do you think is the best solution to eliminating elder abuse?

Anti-elder abuse awareness programs

Specialized investigation and prosecution teams working with police

A nationwide hot line with a 3 digit number like 911

A nationwide network of elder shelters

Elder Protection Agencies in every province, like in US states

National home care program

Publicly ‘name and shame’ perpetrators

More research and study



If you have an estate, or a legacy to leave, what do you plan to do with it, for the most part?

Leave it all to children/grandchildren

Mostly leave to children/grandchildren

Both equally

Mostly donate to charity or institution

Leave it all to charity or institution




If a federal election were held tomorrow, which party’s candidate would you support? OTHER UNDECIDED




Green Party

Bloc Quebecois



Where do you live?


Nova Scotia


New Brunswick







What is your gender?



  [See Results]

Previous Issues of CARP Action Online

December 21st, 2011
December 6th 2011
November 18th 2011
November 4th, 2011
October 21st, 2011
October 7th 2011
September 29th, 2011


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Caregiver’s Diary: Visiting Dad in His New Home
A Family Connection to General Wolfe is Lost and Found

My widowed 88 year old father had survived the trip from his now-empty house in the Maritimes to his splendid new retirement residence in Niagara. There had been a flu quarantine (always a concern in a retirement home – a real room clearer) but it had lifted, and now it was time to see him in his new digs. Dad had spiffed up his apartment and done his laundry, with a crisp new J Crew shirt and an Irish sweater. But oh, he was SO thin. And short now, barely my height. He says he weighs 140 (which is about 5 more pounds than I weigh). Read more
Back to Opioids: the dual tragedy continues – PART I
Abusers Getting too Many Drugs and People who Need them Not Getting Any

Over a year ago I wrote a column about the “Opioid Public Health Crisis” in Ontario. Opioids are a class of medications that are a natural derivatives of morphine and that can be also synthesized in the lab. They are the most potent medications available for the treatment of most types of severe pain, but they are also associated with several adverse events, including abuse and addiction. Read more
Freedom 55…65…75… Desire to work is only part of the story
guest editorial by Mary Hynes, Older Women's Network

Amendments to the Canadian Human Rights Act enacted this December end mandatory retirement at a specific age. The new provisions, which come into force December 2012, give most federally regulated workers the same right to continue working as workers governed by most provincial employment legislation. Read more
Once You Get Over Discriminatory Practices, A Compelling Business Case Can be Made for Retaining and Hiring 50+ Workers
guest editorial by Karen Gilmour, Older Worker Advocate

Age discrimination in the workplace is a reality in today’s world; many older workers are unable to remain in the labour force or to re-enter it because of age prejudice. As early as the age of 45, employers may identify individuals as ‘older workers’. Age discrimination does not appear to generate the same degree of moral outrage as other forms of discrimination. Read more
Kindergarten in a retirement home proves a hit with young and old

The sun-drenched common room at the south end of Columbia Garden Village retirement home in Invermere, B.C., is quiet most days. The shuffle of slippers on linoleum, the clink of a coffee mug in the sink, or the click of knitting needles are often the only sounds. But every Tuesday and Friday, 18 kindergartners from Eileen Madson Primary School arrive in a yellow school bus and take over, turning the home’s common room into a classroom, and the home’s residents into active participants. The kindergartners go about their lessons, crafts and play time surrounded by the seniors who live there. Some elders watch from the sidelines, others roll up their sleeves and build block towers or indulge in a reading of a Scooby-Doo storybook. Read more
Caregivers: Input needed for Survey
online survey

CARP is working with the Sheridan Elder Research Centre (SERC) at Sheridan College in Oakville, Ontario. SERC undertakes research and projects aimed at understanding and supporting ways to enhance the quality of life for older Canadians and those who provide support. Read more
Counting is ‘For the Birds’
CARP is once again supporting the annual Great Backyard Bird Count Canada, in association with Bird Studies Canada, the Cornell Lab of Ornithology and the Audubon Society in the USA...CARP members are encouraged to get outside, or just spend some time at the window and share your count. Read more

Political/Charitable Giving Poll

A majority of members feel majority governments should take the concerns of the opposition into account when drafting legislation, and a majority disagree a majority government has the right to pass any legislation it wants, regardless of opposition input. Read more
Published by CARP
Copyright © 2012 CARP, A New Vision of Aging for Canada. All rights reserved.
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