Morale and Welfare

Presentation to 4th Canadian Division Support Group 25 September 2014, Petawawa

D.W. LangtonAssoc DGMWS

• Introduction• Organization and background• Vision• Programs, services, and initiatives

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Agenda

• Approximately 5,600 “Staff of the Non-Public Funds, Canadian Forces”– Number varies due to casual employment,

esp. in summer– 2,125 full time, 1,066 part time, 2,395 casual– 40% CAF affiliation (Retired and/or Family)

• 253 Canadian Armed Forces members• 153 National Defence public servants• 1,000 at MFRCs (locally employed)• Plus many, many volunteers

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Defence Team – Morale & Welfare

CFMWS 5,600 to 6,000 Employees

Canadian Coast Guard

Canadian Security Intelligence Service (CSIS)

Citi Bank

Nav Canada

4,500

3,311

5,000

5,000

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Defence Team – Morale & Welfare

Organizational View

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• Full governance assigned to CDS• Authorities delegated to DGMWS as Managing

Director of NPP• NPP Board serves as an advisory board:– Provides stakeholder input to CDS– Strategic plans, policies and direction– NPP investments– Approval of audited financial statements

• NPP Board and AFC engagement is key– NPP is a “Chain of Command” responsibility

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NPP Governance

$4.11M

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(FY 13/14)

Operational Funding

Fiscal ResourcesNPP net worth / publicly funded expenditures FY 2013-14

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Public Funds

Make CFMWS one of the strongest military Morale and Welfare organizations in the Western world by providing programs that provide widest possible benefits to the greatest number of serving and former service personnel and their families:

One Community, One Million Strong

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My Vision

One Community, One Million Strong

Serving Members (Reg. & Res.) 130K

Families of Serving Members 144K

Former Members 595K

Dependants of Former Members 350K

Other Eligible Members 150K

1 MILLION

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Morale and Welfare Services Directory

Choose the description that best matches you from the list of categories.

View the full catalogue of CFMWS services that may benefit you and follow the links to learn more.

Answers one simple question: What services are available to YOU?

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Visit: www.cfmws.com/YourServices

PSP by the numbersFitness• 25,000 Force evaluations (Apr-Oct)• 8 Regional Adapted Fitness Specialists supporting

over 500 JPSU clients

Human Performance• 1,534 CAF Personnel took part in the development

and validation of FORCE• Nearly 5,000 surveys administered to better understand

what could help CAF Personnel get more active

Health Promotion• 3,900 courses offered• 23,600 participants

Sports• Over 20,000 Intersection sport competitors• 91 Regional competitions – 3,500+ competitors• 18 National competitions – 1,800 competitors

Recreation and Speciality Interest• 6,000+ Recreation activities • 100,000+ Recreation participants • 325 DND facilities involved

Messes• 175 Reg Forces Messes• 280 Res Forces Messes

Newspapers• 250,000 readers• 85,000 copies distributed

Golf• 14 locations across Canada

Community Gateway Website• 139,000+ monthly visits• 328,000+ page views

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PSP – FORCE

Visit: www.cfmws.com/forceprogram

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PSP – DFIT.CAIntroduce Reactive Interface and Mobile Site

(Fall 2014)• Focus on fitness

required for operations

• Exercise Prescription for FORCE Evaluation

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Access to:

• Golf: 14 locations across Canada and 7 social clubs using civilian courses

• Marinas and Sailing: 8 locations

• Campgrounds & Cabins: 5 locations

• Rod and Gun Clubs: 7 locations across Canada

• Horseback Riding: 4 locations across Canada

• Curling: 7 locations across Canada

• Skeet Shooting: 5 locations across Canada

www.cfmws.com/en/AboutUs/PSP/specialtyinterest 15

PSP Specialty Interest Activities

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Commercial Services SISIP Financial Services

• Term life insurance plans including Long Term Disability (LTD) and Vocational Rehabilitation Program (VRP) – no exclusions for war, dangerous occupations, hobbies, volunteer activities or sports;– 140,351 lives insured under SISIP plans ($29.034B in coverage, $44.3M paid to beneficiaries)

– 94,420 members protected under LTD ($138.85M paid out when combined with the VRP)

• Accidental Dismemberment Insurance Plan –covers injuries or illness attributable to military service;

• Financial Planning – personalized recommendations, investment advice to assist clients in achieving their financial goals (7,344 clients in 2013 with assets of $292.8M invested);

• Canadian Forces Group Retirement Savings Plan – a “do-it-yourself”, on-line investment and savings option (3,421 clients in 2013 with $137.8M invested);

• Financial Counselling – free, confidential support in the resolution of serious financial distress, with access to CFPAF loans and grants and other SOT programs;

• Personal Financial Management Education – courses for recruits and officer cadets.

Comparative costs:SISIP Financial Services Industry Standard

Financial Planning(No commission)

• $6 - $12/month (depending on rank)

• Includes one free income tax return

• Approximately $100/hour 1 or 1% - 3% of assets under management2

• $59 for one basic income tax return3

Financial Counselling(Confidential)

Free • Approximately $1204 / session or enrollment

• Fee of 15% of total debt + monthly charge of $50 + cancellation fee5

Insurance($100,000 in coverage / 25 year old male / non-smoker)

$6/month • Varies $11 - $13 /month6

1 CBC News (April 2012) / MoneySense Magazine (October 2012)2 moneysense.ca – Where to find a fee-only Financial Planner3 H&R Block

4 Credit Canada5 debtfreesolutions.ca – Consumer Credit Counselling sample contract6 Compulife Software Inc.

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Commercial Services SISIP Financial Services

Life insurance plan advantages:

SISIP Financial Services Industry Standard

No exclusion for war risk May be excluded or declined

No exclusions for dangerous occupations, hobbies, volunteer activities and/or sports

Some or all may be excluded or increase in premium

Less stringent medical underwriting Lengthy medical required

No medical required to convert insurance after release (If done within 60 days of release)

Not available

Includes Accidental Dismemberment clause Cost to purchase

Free coverage for Dependent Life of $10,000 Cost to purchase

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Commercial Services SISIP Financial Services

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Commercial Services CANEX

• Operates 39 Outlets on Bases/Wings across Canada– 10 Retail– 8 SuperMarts (2 with petroleum)– 18 ExpressMarts (5 with petroleum)– 2 Grocery– 1 LiquorMart

• Sales of $114M in FY 12/13

• Over 3.95M customer transactions annually

• 180 Concessions offering additional goods/services

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Commercial Services CANEX

• No Interest Credit Plan: 12, 24 or 36 month plans (No money down, not even the taxes), 12 month payment plan: no hidden handling or administration fees (24 months: 2% ; 36 months: 3%)

• National vendor partnerships: Tim Hortons, ARAMARK (Food Services), OK Tire, Pizza Pizza, Subway

Initiatives:• CANEX.ca - Online Sales/E-retailing– Launching an online E-retailing

platform this Fall to augment existing store operations

• TACTIX Boutiques with Kit Shops and Pride of Association merchandise

– Elite line of clothing and accoutrements

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Commercial Services CANEX

• The Personal Home & Auto Insurance: Coverage that fits your way of life.

− Home: All policies include $5K coverage for military kit; $3K coverage for personal belongings while deployed outside Canada. Military Renters coverage for DND controlled quarters

− Auto: Accident-Free Protection, Loyalty Savings (up to 7%), Winter Tire Discount (5% off premium), Students Rates, RV’s and more

− Portability: If you should move, are transferred or retire within Canada

• Home Heating Oil Rebate Program: Discounts on regular delivered price of home heating oil – Participants save up to 8 cents per litre

Mission

Through an integrated and individual-centric service delivery model, to

ensure the coordination and facilitation of standardized, high

quality, consistent personal and administrative support during all

phases of recovery, rehabilitation, and reintegration on return to

service or transition following release, for all injured and ill

Canadian Armed Forces personnel and former personnel, their

families and the families of the deceased.

Ottawa

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Joint Personnel Support Unit (JPSU)

24 Integrated Personnel Support Centres across Canada:• Personnel support through multi-disciplinary staff and linkages to VAC,

SISIP, PSP, MFRC and Base/Wing agencies• Responsive to Commanding Officers

Return to Work Program: 1,974 participants in 2012 ; 26% returned to full-time duty, 47% moved to transition, 27% remained on RTW.

Casualty Administration and Advocacy: Home adaptations/special needs equipment, vehicle adaptations, home assistance ; Assistance through Funds

Peer Support: Operational Stress Injury Social Support (OSISS), Soldier On, Injured Soldier Network, Helping Others by Providing Empathy (HOPE)

Outreach & Education: Average 100 briefings a month across the country, training of approx 1,100 Designated Assistants per year

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Joint Personnel Support Unit (JPSU)

Posted to JPSU 1,800Supported by JPSU

(but not posted)3,500

Total 5,300

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Personnel currently being tracked by JPSU

Joint Personnel Support Unit (JPSU)

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Transition Services • National Coordination of all Career Transition activities:

– Second Career Assistance Network seminars, – Medical seminars, Long Term Planning seminars– Career Transition Workshops– Transition support and programs specific to ill & injured, – Publications/tools that support transition counselling.

• Liaise with other organizations: VAC, HRSDC, PS Commission, SISIP-LTD & VRP, Industry, Academia, Accreditation bodies and others.

Canada Company – Military Employment Transition (MET) Program A one-stop-web-portal for all things related to transition for serving and retired military members. Serving as a bridge between business and community leaders and the CAF. Includes Corporate Canada employers, Entrepreneurship, Education and Franchising opportunities.

137 Military Friendly employers, such as Amazon, BMO Financial Group, CN, Coca-Cola Canada, Royal Bank of Canada, Shell Canada, Sobeys Inc., Suncor Energy, Etc.

• Prince’s Charities-Operation Entrepreneur: Based In Business (BIB) with Memorial University, Enactus and Canadian Youth Business Foundation

• Prospect: Forces @ Work: Sustainable Job Placement Pilot Project• H2H: Helmets to Hardhats• Association of Canadian Community Colleges (ACCC)• The Canadian Franchise Association: Military Veterans Program • Forum for International Trade Training (FITT)

In addition to previously mentioned programs and services, the following are specifically for ill and injured members of the Reg and Res force:

• Vocational Rehabilitation Program-Serving Members (VRPSM)• Priority Hiring-Public Service• Integrated Transition Plan

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Transition Services

• Serving and Former Regular Force and Primary Reserve Members

• One additional family member

• Application for pre-arrangement without further obligation

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National Military Cemetery

To contribute to the well-being of CAF families, enabling a mission-ready force that protects Canadians and Canadian interests across the country and around the world.

Military Family Services manages:

•Military Family Services Program, including funding and oversight of Military Family Resource Centres

•Family Information Line and www.familyforce.ca

•Children’s Education Managements, including the education compensation and benefits requirements of military members with children

•Issues that arise and affect military families as a result of conditions of service of serving CAF personnel

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Military Family Services

Support for serving members (Regular and Reserve) and their families who face issues that arise due to conditions of service (i.e. mobility, separation, risk)

•Mental health support

•Child care

•Access to health care

•Spousal employment

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Military Family Services

• Community integration

• Transition support

• Education transitions

• Special needs of loved ones

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Military Family Resource Centres – On Base, In Person•32 in Canada, with programs and services in the United States and Europe•Third party, non-profit organizations located on Bases/Wings/Units or through outreach programs•Provide services in both official languages

Family Information Line (FIL) – Informed, Connected and Supported•1-800-866-4546 – Now 24/7 service, confidential, bilingual, information and supportive counselling •1642 calls made to the FIL, 3769 calls to the automated system that has deployment information (2013)

www.FamilyForce.ca – For and about Canadian military families•A portal to all MFRCs for local information, useful general information of interest to all Canadian military families•387,294 visits to the FamilyForce site, 242,253 total unique visitors (2013)

Military Family Services

Military Family Members by Province (2013)

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Support Our Troops Fund is an umbrella for the following:• Military Families Fund − linked to conditions of service

− $4M dispersed to >1,000 members/families− $5K per incident at local level

• Soldier On Fund − contributes to a healthy, active lifestyle− $1.1M dispersed to 630 members/families − Funded a wide range of programs

• Hospital Comforts Fund − basic amenities for hospitalized members− $85K dispersed annually to >300 members

• Op Santa Claus − gift for deployed members over holidays− Gifts delivered to 1,400 members in 2013

$15M has been received since 2006 from: • Personal contributions to SOT Fund• Proceeds from third party events• Contributions from external charities/foundations

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Support Our Troops Program

Examples:• Army Run: Generated almost $500K in funds for the MFF

and Soldier On during the past 2 years.

• Graham Group Charity Golf Tournament: Golf tournament held in 2011 and 2012, generated almost $100K for the MFF

• Royal Canadian Mint – Highway of Heroes Collector Coin: Operated two coin campaigns to highlight the CAF and the sacrifices of military members and their families, collectively generated $200K for the MFF.

• Honourable PM Stephen Harper – History of Hockey book: Released Fall 2013, all proceeds to MFF.

• Winnipeg Jets True North Foundation: Will donate $75K to the MFF/Soldier On yearly for the next 10 years.

• Sears: 7 year relationship, annual donation of $10K to the Hospital Comforts Fund (under the SOT Fund umbrella).

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Support Our Troops Program

• Supports former and currently serving members with a visible or non-visible injury/illness to adopt an active lifestyle through sport and recreation

• Over $1.8M has been disbursed to provide access to equipment, training and events allowing participants to: – learn a new sport such as skiing, horseback riding, fly fishing, and kayaking;

– train with and compete against soldiers with similar injuries and illnesses from other nations; and

– push their physical and mental limits through participation in regional and national sporting events.

• $2.4M has been raised by donations from Canadians, corporations and other organizations

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Soldier On Fund

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Soldier On Participation900 Total members supported by Soldier On

As of 1 Sep 14

Soldier On ProgramAs of 1 Sep 2014As of 1 Sep 2014

News:•Capt Maranda and Cpl (retired) Christine Gauthier competed at the 2014 World Sprint Para-Kayak World Championships in Moscow, Russia. Christine captured two Silver and a Bronze medal.•Soldier On will be sending 12 athletes to compete at the Invictus Games in London, UK. •Two foursomes participated at the Soldier On to St. Andrew’s event in Scotland. Pat of their experience included playing a round at the Old Course and watching the final round of the British Open. * Dates for US Marine Corps Trials TBC

Saddle Up Soldier OnToronto, ON2-9 Nov 14

USMC TrialsSan Diego, CA2-13 Mar 15 *

Canada Army RunOttawa, On

19-21 Sep 14

3rd Annual Allied Winter Sports CampWhistler, BC15-25 Feb 15

Soldier On National Ski FestMt Washington, Comox, BC

1-7 Feb 15

Invictus GamesLondon, UK10-14 Sep 14

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Soldier On Down UnderSydney, Australia

21-30 Nov 14

Financial assistance in the form of low interest loans and/or grants:Minor Disbursement Program ($33K to 194 members)* Grants up to $200 (on a once per lifetime basis) to relieve temporary distress or to promote well-being.

Education Assistance Loan Program ($1.9M to 476 members)*Loans ($1,2k to $4k per year, max $16k per student) to assist eligible serving members, former members and their recognized dependants to obtain a post-secondary education (full-time studies).

Self Improvement Loan Program ($7.5M to 2,208 members)* Financial assistance through small loans ($1k-$5k) to assist in emergency situations such as: compassionate travel, urgent home and car repairs, minor renovation projects, etc.

Financial Distress Program ($1.1M to 154 members)* Grants and loans when warranted by distress or other qualifying circumstances. The lifetime maximum for

assistance is $5,000 for a grant and $25,000 for a loan.

•Access to the fund is normally through an agent of the fund, Veteran Affairs Canada, SISIP Financial Counsellors or designated Base/Wing Program Administrators•Eligibility to make an application does not guarantee approval•Each request adjudicated against specific criteria before a decision is rendered

*data based on calendar year 2012

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Canadian Forces Personnel Assistance Fund

• The SOT Summer Camps provide an opportunity for children of military families to escape from the stressors of military life, with priority given to children of deployed personnel.

• In summer 2013, more than 400 children of military members enjoyed a complimentary week at Camp Maple Leaf and Muskoka Woods.

• The Military Families Fund, Canada Company and personal donations have unwritten the cost of camp registrations.

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SOT Summer Camps

• Launched in January 2012• Program is available to CAF members (former and currently

serving) who have sustained an injury or illness while serving in a Special Duty Area/Operation and who are in receipt of a VAC benefit as a result

• Eligible members may apply for 1-week of accommodation at one of Shell Vacations Club’s 26 properties in Canada, the US and Mexico

• More than 100 CAF members/families have benefited from this program

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Vacations for Veterans Program

• SOT programs / funds attracting significant contributions from Canadians– Individual donations of dollars and products / services– Proceeds from third party events– Contributions from events / campaigns held by charitable organizations

• e.g.: True Patriot Love, Canada Company and Wounded Warrior

• As number and complexity of events increases – There are greater demands for DND/CAF support– There is little adherence to policy provisions and– There are diminishing efforts to align with CAF priorities

• Some external organizations competing with internal NPP “charities”

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NPP Outreach

SOT Program / Third Party Outreach

DGMWS is the CAF OPI:• Registering organizational events• Coordinating to avoid duplication and scheduling conflicts• Assisting in staffing requests for public support, military

equipment and/or personnel• Approving the use of any official logos and/or images within

their promotional materials• Assisting with senior CAF representation at key events• Concluding MOUs for complex relationships/partnerships• Providing feedback on the success of donations

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Key relationship with BMO, Bank of Montreal • Personal Banking: Saves the current 10,000 members approximately

$1 million in banking fees every year

• Customized Mortgage Plans and Student Line of Credit: Highly competitive rates

• ABM/ATM: Over 900 branches and 2681 ATMs across Canada so that you can easily receive uninterrupted service as you move

• SOT MasterCard: Contributed over $155,000 to morale and welfare programs and services since the inception of the Program

• Sponsorship: $250K in 2013 for national and local programs

Canadian Defence Community Banking (CDCB)

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Comparative costs:CDCB Performance Plan Industry Standard

$5.45/month Varies from $11.95 to $14.95$ / month depending of the institution

2 free months None

Fee waived with $3000 minimum balance

Fee waived with $3000-$4000 minimum balance depending of the institution

Unlimited transactions Unlimited transactions

Earn Air Miles None

Canadian Defence Community Banking (CDCB)

The following is a comparison of similar banking programs available in Canada.

Source: www.fcac-acfc.gc.ca/eng/resources/publications/banking/

• Official discount program of the CF• Members can save at more than 26,000 locations locally,

nationally and worldwide• Categories: Accommodations, Attractions, Entertainment,

Dining, Recreation, Services, Shops, Travel & Transportation, House & Home

Visit: www.cfappreciation.ca

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CF Appreciation Program

CF R&R Club: • Linked to US Armed Forces

Vacation Club

• Linked to Gov Rewards and International Cruise Excursions

• Access to 3,500 accommodations in 80 countries starting at $369 USD per week

• Access to cruise lines, airlines, and 3,000 US golf courses at guaranteed low prices.

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CF Appreciation Program

CF R&R Club – Examples:

Visit: www.cfappreciation.ca

Silver Lake Resort, Kissimmee, Florida 7 nights/$369 USD

Barnsdale Country ClubRutland, England

7 nights/$369 USD

Wyndham Ka'eo KaiKauai, Hawaii

7 nights/$369 USD

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CF Appreciation Program

• Confirms that an individual is a member of our One Community – One Million Strong

• Provides access to MW programs, services and facilities

• Over 53,000 CFOne Cards issued

Multi-phased approach• Phase 1: (22 Oct 13) access to the CANEX Loyalty Program and CF

Appreciation Program

• Future Phases: expanded to include access to select PSP programs and services; administration of mess fees, access to clubs and activities, as well as other MW services.

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CFOne Card

CFOne Card BenefitsCANEX Rewards Program • Easier to earn and redeem points • Points balance printed on receipt • Redeem points directly in-store

CF Appreciation Program • Discounts and savings at thousands of industry partners at

locations locally, nationally and internationally• Access to R&R Club which includes:

– Armed Forces Vacation Club– Gov Vacation Rewards– Anderson Vacation

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Questions?

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