- Member of Parliament
- Member of Parliament
- Bloc Québécois
- Shefford
- Quebec
- Voting Attendance: 66%
- Expenses Last Quarter: $81,135.43
- Government Page
- Jun/4/24 3:43:51 p.m.
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Mr. Speaker, seniors are still waiting for dental care. It is not a simple matter. They are still waiting but, meanwhile, it is not as though they have extra money in their pockets. The government is still stubbornly refusing to increase the old age security pension.
That said, I get the impression that the Conservatives' populism is rubbing off on the NDP a bit. The NDP thinks that one wave of a magic wand will solve the problem, but it is much deeper than that.
The issue of grocery prices is being discussed on the Chicago exchange, but the price of inputs is caused by the fact that farmers are currently struggling because of climate change.
How does my colleague continue to justify supporting a government that is not doing enough in response to climate change, which is having a very significant impact on food prices?
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- May/23/24 11:19:25 a.m.
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Madam Speaker, I am dumbstruck. I do not really know how to respond to what people have been saying about our opposition motion all morning. Something my colleague from Terrebonne said this week on social media really stuck with me. The Liberals are good for nothing but spending more and doing less. I am paraphrasing, but that is what I have been hearing. The consequences are profound.
The member who spoke earlier sang the praises of what the government has done for the aerospace industry, but the Bloc Québécois is the only party calling for a meaningful national strategy, which is what the aerospace industry itself wants. That member and this one have been bragging about investments. They talked about helping seniors, but the federal government, which is responsible for pensions, cannot even do that job properly. It is maintaining two classes of seniors by refusing to increase benefits to help seniors aged 65 to 74, who are in dire straits. That is incompetence. It is also increasing the number of public servants without delivering any more services to people.
I have so much more to say, but I will stop there.
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Mr. Speaker, I have the honour to present, in both official languages, the 15th report of the Standing Committee on Human Resources, Skills and Social Development and the Status of Persons with Disabilities, concerning Bill C-319, an act to amend the Old Age Security Act regarding amount of full pension, which I and all the members of my political party, the Bloc Québécois, are advocating for.
The committee has studied the bill and has decided to report it back to the House without amendment.
I sincerely thank the committee for its work and for allowing me to present the report this morning.
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Mr. Speaker, we can agree today that the word urgent does not come to mind after this economic statement.
The situation for our local media is urgent. Last week in my riding I went to Sherbrooke, where the media were gathered and calling on the government to take action. There is nothing.
The homelessness situation is urgent. This week, Granby is organizing a forum on social housing. These people do not need to be dumped on or for the government to interfere in their jurisdiction. They will come up with solutions. The government should have contributed its share of the effort for housing within its own jurisdiction.
The Canada emergency business account repayment situation is urgent. I am getting ready to go out with the Haute‑Yamaska chamber of commerce and industry. The NDP said that it also wanted this measure to help our businesses get through next year to prevent 20% to 30% of bankruptcies.
The situation for seniors is also urgent. The NDP voted in favour of my Bill C‑319, which called on the government to do something in this inflationary context where seniors on a fixed income are especially affected. They needed help. Every senior 65 and over should be getting a higher pension.
My NDP colleague supported my last two points. Where in the fiscal update are the CEBA repayment issue and the seniors issue, if the NDP managed to negotiate something with the government?
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Mr. Speaker, that is not good enough. If seniors were satisfied with the federal government, groups representing them such as AREQ, the Association québécoise des retraité(e)s des secteurs public et parapublic, the Association féministe d'éducation et d'action sociale and the Table de concertation des aînés du Québec would not be on the Hill today. They are here to ask the government to support Bill C‑319. Seniors themselves are the ones telling us that Bill C‑319 will make a difference in their lives. They are the ones saying that only a fair pension increase for all seniors will get them out of their precarious situation. That is what seniors expect from the Liberals.
Will they finally listen and support Bill C‑319?
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Mr. Speaker, the Liberals committed a serious injustice when they created two classes of seniors by refusing to increase the old age pension for seniors 65 to 74. Today, they have an historic opportunity to correct this injustice that they created. They can ensure that every senior is treated fairly in light of the spike in the cost of living and the economic uncertainty.
Will they support the Bloc Québécois's Bill C‑319 and end the two classes of seniors by increasing the pension for all seniors 65 and over?
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Madam Speaker, what can I say in five minutes to close out this second hour of debate at second reading of this important bill, Bill C‑319? The text of the bill amends the Old Age Security Act to increase the amount of the full pension to which all pensioners aged 65 and over are entitled by 10%. It also amends the act to raise the exemption for a person's employment income or self-employed earnings that is taken into account in determining the amount of the guaranteed income supplement from $5,000 to $6,500.
I venture to call it “important” because that is what I have been hearing all summer. Yes, I admit that I set out on a mission this summer and travelled to all four corners of Quebec. I heard the discontent of some seniors and the despair of others, but above all, I heard people asking me to do everything in my power to ensure that the majority of MPs in the House vote in favour of Bill C‑319.
First of all, let us not forget that, for years, the Bloc Québécois has made the condition of seniors one of its top priorities. Seniors were the people hardest hit by the COVID‑19 pandemic. They were among those who suffered the most and they continue to suffer the negative consequences of the pandemic: isolation, anxiety, financial hardship, and so on.
I do not want to paint an overly gloomy picture today. I repeat myself because I believe it: I want seniors to be treated with dignity, like the grey power they are. Right now, old age security benefits fall far short of offsetting the decline in purchasing power or the dramatic rise in housing and food costs.
With inflation rising sharply and quickly and with the shortage of labour and experienced workers, the Bloc Québécois remains focused on defending the interests and desire of some seniors to remain active on the labour market and contribute fully to the vitality of their community. This is why the Bloc Québécois has long been calling for an increase in the earnings exemption for seniors. It is vital that we adjust our public policies so that older Quebeckers can maintain a dignified quality of life in the manner of their choosing.
In May 2018, following an extensive pan-Canadian scan, the Department of Employment and Social Development published a document entitled “Promoting the labour force participation of older Canadians — Promising initiatives”. After identifying the harmful consequences of ageism in the workplace and the challenges faced by seniors, the study proposes a number of measures to facilitate the integration of experienced workers and encourage their participation in the workforce. Socializing in the workplace is beneficial for breaking out of isolation. Since life expectancy is steadily increasing, and more jobs are less demanding than in the past, let us make this happen.
We are also seeing the growing distress of small and medium-sized businesses that are desperately looking for workers, as well the closure of many businesses and the devitalization of certain communities and regions. We must take action.
I find it hard to understand the choices the Liberal government has made since it came to power. At best, it has contented itself with half-hearted or ad hoc measures, as we saw during the pandemic. As previously mentioned, modest sums have been granted to date and one-time assistance was offered during the most difficult times of the pandemic. We appreciate these efforts, but we are clear about the indirect and very minimal effects of this hastily put together aid.
In budget 2021, the Liberal government increased old age security benefits for seniors over the age of 75. This delayed and ill-conceived measure created a new problem—a divide between seniors aged 65 to 74 and those aged 75 and over. The Bloc Québécois opposed this discrimination that would create two classes of seniors. Naturally, today's insecurity, economic context, loss of purchasing power and exponential increase in food and housing prices do not affect only the oldest recipients of OAS; they affect all recipients. This measure misses the mark by helping a minority of seniors. In 2021, there were nearly 2.8 million people 75 and over, compared to 3.7 million between the ages of 65 and 74. To date, nothing has been done to address this injustice. This bill seeks to end this discriminatory measure. The one-time $500 cheque for people 75 and over in August 2021 did not fix anything.
In closing, Bill C‑319 will improve the financial situation of seniors and eliminate the age discrimination that currently exists. Seniors who live on a fixed income are having trouble paying their bills because their daily expenses are going up faster than their pension benefits. Other than the increase to index it to inflation, the full OAS for seniors aged 65 to 74 remains unchanged at $666.83 a month. Who can live on that?
The Bloc Québécois is calling for an increase in old age security for all seniors aged 65 and up, and has even pointed out that the government is discriminating against people aged 65 to 74.
I would like to say one last thing. The RQRA, Afeas, AREQ, AQRP and FADOQ, all of these Quebec organizations, and Quebeckers and Canadians are calling for this bill. Seniors are watching us and asking us not to make them pay the price of partisanship.
I invite my colleagues to take action for the dignity of seniors. I will see them on October 18 for the vote.
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moved that Bill C-319, An Act to amend the Old Age Security Act (amount of full pension), be read the second time and referred to a committee.
She said: Mr. Speaker, I am honoured to introduce my first bill today, Bill C-319. The summary reads as follows:
This enactment amends the Old Age Security Act to increase the amount of the full pension to which all pensioners aged 65 or older are entitled by 10% and to raise the exemption for a person’s employment income or self-employed earnings that is taken into account in determining the amount of the guaranteed income supplement from $5,000 to $6,500.
For years, the Bloc Québécois has made the condition of seniors one of its top priorities. Seniors were the people hardest hit by the COVID-19 pandemic. They were among those who suffered the most and they continue to suffer the negative consequences of the pandemic, such as isolation, anxiety and financial hardship.
That said, I do not want to paint an overly gloomy picture today. Instead, I want to present seniors as a grey force consisting of people who want to continue contributing to our society. They built Quebec, and we owe them respect.
Bill C-319 is designed to improve the financial situation of seniors and is structured around two parts. In my speech today, I will first address the part of my bill that deals with increasing old age security, or OAS, and then I will address the part that deals with increasing the qualifying threshold for the guaranteed income supplement, or GIS. I will end my speech by explaining a bit more about the impact inflation has on the financial health of seniors.
To begin, the first part aims to eliminate the current age discrimination. In the 2021 budget, the Liberal government increased old age security benefits for seniors over the age of 75. This delayed and ill-conceived measure has created a new problem—a divide between seniors aged 65 to 74 and those aged 75 and over. Seniors are not taking it lying down.
The Bloc Québécois opposed this discrimination that would create two classes of seniors. Naturally, today's insecurity, economic context, loss of purchasing power and exponential increase in food and housing prices do not affect only the oldest recipients of OAS; it affects all of them. This measure misses the mark by helping a minority of seniors.
In 2021, there were 2.8 million people 75 and over compared to 3.7 million between the ages of 65 and 74. This opinion is shared by FADOQ and its president, Gisèle Tassé-Goodman, who had this to say about the measure: “In principle, there is a good intention to provide financial assistance to seniors, but, in reality, people under 75 who are eligible for old age security get absolutely nothing.”
To date, nothing has been done to address this injustice, and this bill seeks to end this discriminatory measure. It is not true that the one-time vote-seeking cheque of $500 for people 75 and over in August 2021 will be of any help. Seniors even feel that they have been used.
With Bill C‑319, the Bloc Québécois is proposing a 10% increase to old age security starting at age 65 for every month after June 2023. For example, at present, this increase would raise the benefits paid to single, widowed, divorced or separated persons from $1,032 to $1,135.31 every month. As for the amount paid when both spouses are retired, it would increase from $621.25 to $683.35 per month. You do not live in the lap of luxury with that amount. You certainly do not go down south, and you do not stash your money away in tax havens.
Second, with inflation rising sharply and quickly and with the shortage of labour and experienced workers, the Bloc Québécois remains focused on defending the interests and desire of some seniors to remain active on the labour market and contribute fully to the vitality of their community. This is why the Bloc Québécois has long been calling for an increase in the earnings exemption for seniors.
Back in 2021, during the last federal election, the Bloc Québécois platform proposed to raise the exemption from $5,000 to $6,000 in order to allow those who are willing and able to continue working to do so without a significant reduction in their GIS benefit, which is derived from old age security.
Given the exceptional transformation in Canada's demographics in recent decades, there are now more people aged 65 and over, and they now outnumber children under 15. It is vital that we adjust our public policies so that older Quebeckers can maintain a dignified quality of life in the manner of their choosing.
In fact, Employment and Social Development Canada released a document entitled “Promoting the labour force participation of older Canadians — Promising Initiatives” in May 2018, following an extensive pan-Canadian scan. The document identifies the harmful consequences of ageism in the workplace and the challenges faced by seniors. These include a lack of education or training, health issues, and work-life balance issues due to a lack of workplace accommodations. The study then proposes a number of measures to facilitate the integration of experienced workers and encourage their participation in the workforce.
Socializing in the workplace is beneficial for breaking out of isolation. Life expectancy is steadily increasing, and more jobs are less demanding than in the past.
I find it hard to understand the choices the Liberal government has made since it came to power. At best, the Liberals have taken half-hearted or ad hoc measures, as we saw during the pandemic. Currently, old age security payments are not enough to weather the affordability crisis and the dramatic price increases for housing or intermediate housing resources.
Six years ago, in June 2017, the Standing Senate Committee on National Finance published a report on the financial impact and local considerations of an aging population. Everyone agrees that the economic situation of households has deteriorated significantly with the pandemic, and that sudden inflation is hurting Quebeckers and Canadians. The committee's findings and proposed solutions at that time could not be clearer. It recommended:
That the Government of Canada, in collaboration with its provincial, territorial and Indigenous partners, put measures in place to increase labour force participation of underrepresented groups and to better match labour demand with labour supply in order to mitigate the negative impact of population aging on the economy and on the labour market.
As previously mentioned, modest sums have been granted to date and one-time assistance was offered during the pandemic in June 2020. We appreciate these efforts, but we are clear about the indirect effects of this hastily put together aid. Nevertheless, small and medium enterprises are increasingly stressed out as they desperately look for workers, and about the closure of many shops and the decline in some areas.
We believe that the tax contributions, the tax incentives and the income exemption rates on the old age security pension and the guaranteed income supplement do not entice older people to return to work because they will be denied hundreds of dollars a month.
Let us not forget the sad irony of Liberal measures such as the Canada emergency response benefit and the Canada recovery benefit, which were considered income during the health crisis. In the end, they took away significant sums of money from the most fragile and least fortunate in the population. This aberration was finally corrected by the government in February 2022 after several months of representations by the Bloc Québécois to the Minister of Seniors when Bill C‑12 was tabled.
At the time, Bloc Québécois researchers found that GIS recipients who received CERB lost 50 cents of the supplement for every dollar they received, so a tax rate of 50%, almost double that of the richest people in society. However, at the time, no one informed affected taxpayers of this dramatic impact on disposable household income. During the study for this legislation, the Bloc Québécois pointed out that this major injustice is both harmful and absurd. The FADOQ network called the situation a tragedy.
Let me get back to what we are suggesting. The exemption on earnings and miscellaneous income would increase from $5,000 to $6,500 per year. That would leave an additional $1,500 in the pockets of all claimants aged 65 and older. Compared to the 2021 proposal, then, the current bill suggests an additional $500, for a total of $6,500, to offset the deteriorating economic situation. The goal of these two measures combined is to increase both the monthly base amounts and the annual working income. We believe that this will help seniors deal with inflation and the current hardships. It is the least we can do, to allow millions of people who built our communities to live with dignity.
Third, I want to talk about the impact of inflation. Do not forget that old age security is taxable. The OAS and GIS amounts are revised in January, April, July and October, ostensibly to reflect the cost of living. These benefits were indexed annually until 1973. At that time, inflation was very high, particularly for fuel and food, and officials felt that quarterly indexing would better protect against unexpectedly large price increases during the year. By the summer of 2020, however, even FADOQ had decried the fact that these increases will not even buy a coffee at Tim Horton's.
The consumption habits of seniors differ from those of the rest of the population. As a result, they experience different inflation. Statistics Canada studied this difference in 2005. It found that seniors spend proportionately less on transportation, gasoline or a new car, but much more on housing and food. For every $100, they spend $56, compared to $45 for all other households. Surely we all agree that housing and groceries are not luxuries.
What is the impact of that inflation? From 1992 to 2004, the average annual inflation rate was 1.95% for senior-only households, compared to 1.84% for other households. Again, seniors are harder hit.
I will refresh the Liberals' memory. On March 19, 2022, the Liberal member for Etobicoke North moved motion No. 45. If the Liberal Party and the Green Party are consistent with their support—14 members from these two parties jointly supported this motion—then Bill C‑319 should be adopted.
I will read the text of the motion, because it is worth it:
That:
(a) the House recognize that (i) seniors deserve a dignified retirement free from financial worry, (ii) many seniors are worried about their retirement savings running out, (iii) many seniors are concerned about being able to live independently in their own homes; and
(b) in the opinion of the House, the government should undertake a study examining population aging, longevity, interest rates, and registered retirement income funds, and report its findings and recommendations to the House within 12 months of the adoption of this motion.
On June 15, 2022, 301 members finally voted in favour this motion, while 25 voted against. Out of the 326 members present, only 25 members from the New Democratic Party voted against this motion.
Seniors living on fixed incomes are having a hard time making ends meet because their daily expenses are increasing faster than their pension payments. Old age security, or OAS, is adjusted to inflation every three months, while the Canada pension plan, or CPP, is adjusted every January. However, OAS and the CPP are not enough for some people to make ends meet.
People are feeling the shock of the 10.3% year-over-year increase in the cost of food, as reported by Statistics Canada in the year leading up to September. Food prices rose faster than the generalized cost of living index, which rose 6.9% year over year in September, also according to Statistics Canada.
I met with some representatives from the Salvation Army this morning who told me that they too have noticed, like many other support organizations, that demand for food has doubled, and that a large portion of the demand is from seniors. It is inconceivable that this permanent increase in the OAS, which is the first since 1973, so the first in 50 years, is not indexed to inflation. We hope that this will help seniors who, as we have seen, are turning more and more to food banks.
Let us remember that, in the summer of 2021, one month before the election, the federal government handed out $500 cheques to seniors who were eligible for the old age security pension to supposedly help them with affordability issues related to the pandemic. However, it is going to take a lot more than an ad hoc approach. We really need to focus on the long term.
Other than the increase to index it to inflation, the full OAS for seniors aged 65 to 74 remains unchanged. It is $666.83 a month. With that low monthly income, it is not surprising that Canada has the generation of retirees facing the greatest inequities and injustices.
Since the 2019 election, the Bloc Québécois has been calling for the government to increase the old age security pension for seniors as of age 65 and has been calling the government out on its discrimination and ageism against seniors aged 65 to 74, so this bill is a logical extension of our position.
In closing, I would like to thank Gisèle Tassé‑Goodman from the FADOQ, Pierre‑Claude Poulin from the Association québécoise de défense des droits des personnes retraitées et préretraitées and Diane Dupéré from the Association québécoise des retraités et des retraitées des secteurs public et parapublic for their support of this bill. Like me, they are just the mouthpiece for seniors whose stories they hear every day. I would be remiss if I failed to mention all of the seniors groups from all over Quebec who also sent me messages of support. They think that Bill C-319 is the least we can do to give seniors a little help and bit of fresh air.
One last thing: I wish the House would realize the importance of this bill, which is not a luxury, but a necessity. It is just common sense to help seniors age with dignity. Based on the feedback I have received so far, even from seniors outside Quebec, all I have to say is let us work together. Similar motions have been passed many times, including the Bloc Québécois motion calling for an increase in OAS as part of our opposition day. Only the Liberals voted against it. They were the only holdouts. This time, I am reaching out to them. I am asking them to eliminate the injustice they created and vote with us in favour of Bill C‑319.
Once again, this is a matter of dignity for seniors.
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- Mar/30/23 2:43:14 p.m.
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Mr. Speaker, there is absolutely nothing. Here is what seniors will find in the budget to help them deal with the cost of living: absolutely nothing.
We still have two classes of seniors. Pensions for those aged 74 and under have not increased. Seniors receiving the guaranteed income supplement who want to continue working are still heavily penalized. Others who also want to help mitigate the labour shortage have no incentive to do so.
In a 300-page budget, why did the Liberals not spare a single thought for people aged 65 and over?
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moved for leave to introduce Bill C‑319, An Act to amend the Old Age Security Act (amount of full pension).
She said: Mr. Speaker, I am honoured to rise in the House today to introduce a bill to improve the financial health of seniors.
This bill essentially contains two parts. The first part aims to eliminate the discrimination that currently exists on the basis of age. We are asking that all seniors receive the 10% increase in old age security starting at age 65, not just those aged 75 and over. The second part aims to raise the eligibility threshold for the guaranteed income supplement to $6,500, without cutting it, for seniors who decide to remain in the workforce.
With these two measures, which increase both the basic amount and the working income of seniors, we aim to ensure that they can better cope with inflation. That is the least we can do to allow seniors to live in dignity.
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- Nov/29/22 2:42:14 p.m.
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Mr. Speaker, a study by the AQDR and the Observatoire québécois des inégalités shows that half of seniors do not have the income necessary to live in dignity, and we are not just talking about seniors aged 75 and over. These numbers do not even take into account the record inflation that is currently affecting the cost of groceries and housing.
Unlike the government, inflation does not discriminate against seniors based on their age. We have a study here that shows that half of seniors do not have a livable income. What more will it take for this government to increase the old age security pension for all seniors aged 65 and up?
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- Nov/1/22 3:33:01 p.m.
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Mr. Speaker, my colleague talked about seniors. As the critic for seniors, I obviously paid very close attention to that part of his speech. Seniors' groups in my riding and elsewhere in Quebec have talked to me about the ArriveCAN app. They were, perhaps, disproportionately affected by it.
I would like my colleague to comment on how we can really help seniors. He also spoke about inflation and the carbon tax. That is not what seniors in my riding are asking for to deal with inflation. They are asking for an increase in the old age security pension, the way Canada has of helping them, for all seniors, including those between the ages of 65 and 74.
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- Oct/17/22 2:15:56 p.m.
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Mr. Speaker, the inflation we are currently experiencing is hard to deal with, but it is worse for those who were already in a precarious situation. As we mark the International Day for the Eradication of Poverty, let us remember poor seniors, seniors who were already finding it difficult to pay for groceries before prices skyrocketed, seniors for whom every rent increase means they will have another basic need they cannot meet. Those people must receive support.
As we speak, there are three million seniors who have been abandoned by the federal government as prices increase. There are three million people who are not entitled to even the smallest increase in their pension because they are unfortunate enough to be between the ages of 65 and 74. On this International Day for the Eradication of Poverty, Ottawa should finally realize that this king of age discrimination has the opposite effect: It does not eradicate poverty, it exacerbates it.
On this day, let us push for the government to finally address this profound lack of compassion.
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- Sep/29/22 2:04:08 p.m.
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Mr. Speaker, October 1 is the International Day of Older Persons.
It is an opportunity to recognize their diversity, but also to collectively reflect on their place in our society. In this inflation crisis, let us recognize that those on a fixed income are directly affected and need to see an increase in their old age security pension starting at 65.
Let us not leave them in a precarious financial position. We should also allow those who want to remain in the workplace to do so and give them some tax breaks. The Liberals prefer to impoverish seniors 65 to 75 so they will be forced to stay in the workforce.
In the Bloc Québécois, we are saying that seniors need to be treated as the driving forces behind their community. We owe them respect. They shaped Quebec. The benefits of intergenerational ties and active aging are being proven every day.
Let us take a day to reflect on everything that seniors bring to the table. We have a duty to treat them with the utmost consideration and ensure that their social safety net allows them to age with dignity.
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- Jun/7/22 10:47:52 a.m.
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Mr. Speaker, I thank my hon. colleague from Mégantic—L'Érable for his speech.
As my colleague from Jonquière has said, and we saw again this morning, oil companies are making record profits, and so are the banks. With that in mind, I wonder how today's Conservative motion responds to an important notion of tax fairness. Do we really want the oil companies and the banks to keep getting richer?
That said, the member talked a lot about families, which is fine. We are aware that families are affected by inflation, but what about seniors who are on fixed incomes? I wonder if he could comment on why it might be important to support a measure the Bloc Québécois has been calling for for quite some time. I am talking about increasing seniors' incomes through the universal old age security pension, beginning at age 65. Inflation does not hit only those who are 75 and over. It affects all seniors aged 65 and up.
It seems to me that today's Conservative motion offers a simplistic solution to a much bigger problem and fails to consider the much broader view of the problem of inflation and rising prices.
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- Apr/8/22 11:56:05 a.m.
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Mr. Speaker, the Liberals are definitely continuing to create two classes of seniors.
Not only did the government leave seniors' priorities out of the budget, but it is also trying to show that seniors do not need more support, as if seniors were spoiled rotten, as if they were wrong to worry and to want more health transfers to support quality of care at home and in long-term care facilities, as if they were wrong to think it is unfair that some seniors are receiving a bigger old age security pension than others, when the cost of living is the same for everyone.
Why is the government denying the reality of seniors and ignoring their concerns?
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- Apr/5/22 2:59:19 p.m.
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Mr. Speaker, that is not enough. Seniors have been hardest hit by inflation, especially those aged 74 and under because the federal government abandoned them.
The cost of living is going through the roof, but old age pensions are stagnating. Despite record-breaking food and rent costs, all the federal government can tell people aged 74 and under is to go back to work, as if they were just being lazy.
That is shameful. Seniors should work because they want to, not because the federal government abandoned them and they have no other choice. When will the government increase the pension for those up to age 74?
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- Mar/29/22 6:13:42 p.m.
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Mr. Speaker, I rise today to speak to Motion No. 45 regarding the financial security of seniors. When this was first proposed to me, my initial reaction was to think that this has already been done, and we already have solutions that could be put in place now. However, as the Bloc Québécois critic for seniors, I will give this matter all the attention it deserves. Members will understand that I have studied the content of this motion with great interest. Let me assure the House that the Bloc Québécois will vote in favour of the motion.
The motion asks that:
(a) the House recognize that (i) seniors deserve a dignified retirement free from financial worry, (ii) many seniors are worried about their retirement savings running out, (iii) many seniors are concerned about being able to live independently in their own homes; and
(b) in the opinion of the House, the government should undertake a study examining population aging, longevity, interest rates, and registered retirement income funds, and report its findings and recommendations to the House within 12 months of the adoption of this motion.
For some seniors, however, this means another year of making tough choices.
My speech will focus on three things. First, I will talk about how the Bloc Québécois has fought hard for an increase in the old age security pension. Then I will talk about pension indexing and the protection of retirement funds.
We are not opposed to the federal government conducting studies on the financial situation of seniors, as Motion No. 45 proposes, because it is important to seek out new tools that would enable seniors to better take advantage of their financial wealth and enjoy the best standard of living possible. No one can be against apple pie.
On one hand, we have seniors who have accumulated a fair amount of assets during their life, it is true, but who nonetheless face financial challenges once they retire. On the other hand, we have more vulnerable seniors who absolutely need the support that the social safety net provides. Let us not forget that one in 10 seniors live close to the poverty line. These two groups of seniors do not have the same concerns, do not think the same way and do not turn to the same solutions.
This evening's motion has more to do with the first group of seniors, but that does not mean that we should not also talk about the second group, the so-called most vulnerable seniors who need our help.
Although many seniors have a decent amount of savings when they retire, they are often left to their own devices when it comes to withdrawing that money, even though they are in situation where the risk of longevity could negatively impact their savings, in other words, they could outlive their savings.
Another poll by RBC had similar findings. When respondents from Quebec were asked about their main concerns regarding their retirement finances, 52% of them were worried about not having enough savings. That number was higher than anywhere else in Canada. Some 42% of Quebeckers also expressed concerns about being able to maintain their standard of living. In addition, 31% of Quebeckers expressed concerns about the cost of health care, and again that number was the highest in Canada.
After Japan and South Korea, Quebec has one of the fastest-aging populations, a demographic challenge that is expected to peak in 2030.
The aging population presents many challenges, but there are a number of things we can do to improve living conditions for seniors, and in particular their financial situation, without conducting a new study.
First, the government needs to substantially increase old age security for all seniors 65 and over, on an ongoing basis.
Obviously, we are also not opposed to a motion calling on the House to recognize that all seniors deserve “a dignified retirement free from financial worry”. In fact, seniors' quality of life and their financial security are among the Bloc Québécois's top priorities, and we act accordingly.
Members will recall that, last year, the Bloc Québécois got a motion passed calling on the House of Commons to increase old age security. Everyone but the Liberals supported the motion.
There is currently a petition to increase OAS by $110 a month for people 65 and up. I am sponsoring it, but it was submitted by Samuel Lévesque of Saint‑Eustache on behalf of his grandparents with the goal of achieving intergenerational equity.
Still, it is surprising that the Liberals would put this kind of wording in their motion when they voted against our motion and chose to increase OAS by 10%, but only for people 75 and up, thereby creating two classes of seniors.
That is a funny way of recognizing that seniors have a right to a retirement “free from financial worry”. By making this choice, the Liberals are abandoning seniors aged 65 to 74, who account for about half of those collecting OAS, 57% to be precise. In other words, the government is abandoning 3.7 million beneficiaries.
Regardless of what the Liberals think, financial insecurity does not hold off until people turn 75. The FADOQ agrees. We can share numerous examples of people experiencing financial insecurity before the age of 75. Any of my colleagues here can attest to that.
Given Canada's less-than-stellar record on income replacement in retirement, we might at the very least have expected the Liberals to implement the 10% increase more quickly and to extend it to those 65 and up.
It is also hard to understand how the Liberals can propose the notion of a “dignified retirement free from financial worry” considering how they handled the CERB and GIS file. Despite knowing about the problem since the spring of 2021, the government took too long to correct an inequity in the interaction between CERB and GIS.
Many seniors have had their GIS cut since last July because they legitimately received CERB payments in the previous year.
The member for Joliette and I sent letters to the Minister of Finance and the Minister of Seniors on two separate occasions to demand that the situation be fixed as quickly as possible. It was not until 2022, following significant pressure from the Bloc Québécois, that the government finally decided to take action and reimburse the affected seniors for their losses.
Second, let us talk about the indexing of pensions. It is especially important to talk about it now, considering how high inflation is and how the people most affected are those on fixed incomes, such as seniors.
For a dignified retirement free from financial worry, benefits need to be increased. The transition to retirement usually means a major drop in the average standard of living. According to OECD estimates, the net pension replacement rate was 50.7% of pre-retirement income in Canada in 2018, while the average for member countries was 57.6%. The EU average was 63%.
The runaway inflation we have been seeing for some time now is driving up the cost of groceries and rent. This is having an impact on seniors' finances. Those who are in a tough financial situation have been hit hard, as evidenced by the increased use of food banks everywhere. Organizations that help homeless women have noticed an increase in the number of elderly women among their clients.
The Association québécoise de défense des droits des personnes retraitées et préretraitées, an organization that advocates for the rights of retired and pre-retired people, has noted an increase in incoming messages over the past year, including dozens of emails from seniors who have ended up in disastrous situations. A person's ability to react to the rising cost of living is obviously limited when that person no longer has paid employment.
When it comes to indexing, we know that OAS and the GIS are indexed to the consumer price index. The indexing rate for 2022 is 2.7%, based on the previous year. However, according to Statistics Canada, the rate of inflation reached 5.1% in January 2022, or nearly double the indexing rate. Even setting aside this one-time discrepancy between the indexing rate and the actual inflation rate, what about the performance of the calculation method in the long term?
Indexation is a key determinant of the quality of benefit coverage. As the average life expectancy has increased in recent years, indexation of pensions has become more important, because the payments are made over a longer period of time. The standard of living and purchasing power of seniors are therefore directly affected. Purchasing power is affected when a person's pension increases at a slower pace than the cost of goods and services. It is a question of math.
For example, if the projected level of inflation for the next few decades is 2%, this means an approximately 50% decline in purchasing power over 30 years if a pension is not indexed.
Many pension advocacy groups are suggesting that pensions be calculated based on trends in wages rather than trends in the consumer price index. Many have decried the current situation, including the FADOQ, which spoke out against the sluggish indexation in July 2021, pointing out that the increase is not even enough to buy a coffee at Tim Hortons.
Third, concerning pension funds, my colleague, the member for Manicouagan, worked very hard to protect Bill C-253, which was introduced by that member in 2020 and then died on the Order Paper when an election was called. All four parties had been in agreement, but that bill died anyway. Another bill had met the same fate when the 2019 election was called. We have not made progress.
It is up to the Government of Canada to pass legislation to prevent these mishaps. The public understands very well that we must do everything we can to enhance and protect seniors' buying power. We all know that the population is aging. The number of people over the age of 75 in Quebec is increasing and will double by 2040. The number of people aged 85 and over is actually expected to triple during that time.
We must also help more seniors remain in the labour force. The Bloc Québécois made various proposals during the election campaign. We suggested that a tax credit for experienced workers be created. We also proposed that seniors who want to work longer be allowed to earn a higher income for the purposes of calculating the GIS.
I would like to make one last remark. Having worked in the community setting, at an organization that sought to raise awareness about elder abuse, I am very aware that it is not cool to talk about old people. They are seen as a drain on our society. In other words, we do not care about old people. Let us stop being ageist and recognize them for who they really are: a grey-haired source of strength. They deserve recognition for everything they have done for our society over the years. Truly, let us work together for seniors in our society.
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