Robert L. Brown
Rob Brown was Professor of Actuarial Science at the University ofWaterloo for 39 years and a past President of the Canadian Institute of Actuaries. He is currently an expert advisor with, a comprehensive and non-partisan online resource designed to help journalists covering health policy issues in Canada.

Entries by Robert L. Brown

Employer Health Plans Should Be Available To People Over 65

(1) Comments | Posted January 5, 2017 | 4:02 AM

Imagine having your private health insurance -- dental, vision, prescription drug, life, travel and disability coverage -- suddenly terminated by your employer at age 65 while you're still working for them, and just when you may really need it.

That's what happened to Maureen, a senior executive at a large...

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Canadians Will Retire In Uncertainty If We Don't Act Now

(3) Comments | Posted November 8, 2016 | 12:10 PM

The Fraser Institute has argued recently that the federal government has failed to make a convincing case for Canada Pension Plan (CPP) expansion. But their viewpoint depends heavily on trying to determine how much income Canadians need to retire with dignity.

Do we require a 50 per cent...

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Private Health Insurance Coverage In Canada Needs A Review

(3) Comments | Posted September 16, 2016 | 12:54 PM

Last week, the media carried a story about a nine-year-old boy in New Brunswick who was denied private health coverage because of his weight (at 5 foot 2 inches and 135 pounds). His family were shocked -- as were many reading the story -- that a child could...

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Unintended Consequences Of Expanding The Canada Pension Plan

(18) Comments | Posted July 4, 2016 | 10:44 AM

trudeau canada pension
June 22, 2016: Trudeau highlighted progress during his first seven months in power on Canada's national pension plan and tax cuts for the middle class. (Photo: David Kawai/Bloomberg via Getty Images)

Amazingly, eight of 10 provincial finance ministers and the federal government have...

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Canadians Need a Policy Nudge to Enhance Pension Contributions

(8) Comments | Posted June 24, 2015 | 7:18 PM

Pension reform continues to hold interest across the country, especially given the willingness of the federal Conservatives to at least talk about expanding the Canada Pension Plan (CPP). Pundits and politicos are weighing in now with blunt talk of "voluntary" or "mandatory" enhancements to CPP. Neither may be...

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Canada's Baby Boom Is Nothing Like the One in the U.S.

(13) Comments | Posted January 15, 2015 | 5:34 PM

As a retired demographer, I do indeed tire of the endless articles in the Canadian press that either just quote U.S.-based stories about the baby boom or make the incorrect assumption that the Canadian baby boom mirrored that south of the border (see, for example, a recent news...

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Government on Right Track with Target Benefit Pension Plans

(2) Comments | Posted May 13, 2014 | 6:45 PM

In a speech in Toronto a couple of weeks ago, Kevin Sorensen, Minister of State for Finance, introduced details of a new "hybrid" pension plan proposed for all federal workers and other corporations under federal pension regulation. He referred to these proposed plans as Target Benefit Pension Plans.

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The Australian Pension System Won't Work For Canada

(2) Comments | Posted April 8, 2014 | 1:36 PM

Canadians are being told that we might learn a lot from pension reforms that took place in Australia starting in 1992. That, for sure, is correct.

We can learn that retiring with any real level of financial security is expensive.

Employers in Australia must contribute...

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Should Your Genetics Be Available to Insurance Companies?

(4) Comments | Posted November 28, 2013 | 5:39 PM

Ontario is proposing a change to the Ontario Human Rights Code aimed at protecting people's genetic information from being used by insurance companies and employers. This would allow more people to have genetic testing done, for health or research purposes -- testing they would possibly not do if they had...

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Pension Pools: The Way to Go?

(0) Comments | Posted September 17, 2011 | 10:23 AM

Canadians have had a number of suggestions for pension reform placed before them in recent months, including proposals to expand the Canada Pension Plan (CPP).

But another possible model seems to be gaining traction with the federal government. This proposal is referred to as Pooled Registered Pension Plans. These plans...

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