One of the changes in the 2014 Ontario budget – passed on
July 24, 2014 – is to amend the Insurance Act
(Ontario) to prohibit the provision of long-term disability
benefits in Ontario unless those benefits are provided through an
insured arrangement with a licensed insurer. Exemptions or
transitional provisions (if any) may be set out in regulation. This
change will come into force on a future date to be proclaimed.
This change is similar to legislation passed by the federal
government in 2012 that requires long-term disability plans for
federally regulated employees to be insured. The federal
legislation came into effect on July 1, 2014. The federal
legislation applies on a go-forward basis, meaning that long-term
disability benefits that are in pay to employees on July 1, 2014 do
not have to be insured.
Employers in Ontario and federally regulated industries who
currently self-insure their long-term disability benefit programs
will need to consider these arrangements in light of the new
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Please join members of the Blakes Commercial Real Estate group as they discuss five key provisions of a commercial real estate purchase agreement that are often the subject of much negotiation but are sometimes misunderstood.
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