Morale and Welfare
Presentation to RCN HQ Staff
20 March 2014
Steven R. Fash
Organization and background
Programs, services, and initiatives
Defence Team – Morale & Welfare
• 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
Defence Team – Morale & Welfare
5,600 to 6,000 Employees
Canadian Coast Guard
Canadian Security Intelligence Service (CSIS)
Citi Bank
Nav Canada
Organizational View
NPP Governance
• 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
Operational Funding
(FY 12/13)
Scale of Operations
NPP net worth / publicly funded expenditures FY 2012-13
C108 ($28M) Public Funds C134 ($8M)
C109 ($87M)
Base/Wing/Reserve Unit
Funds ($79M)
($25M )
Assistance Fund
CFPAF ($17M )
Central Fund
CANEX 2012-13
Sales: $132M
SISIP FS 2012-13
Revenues: $90M
Total $756M (19.7% Public / 80.3% Non-Public)
DGMWS Vision
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
One Community, One Million Strong
Families of
(Reg. & Res.)
Other Eligible
Serving Members (Reg. & Res.) 130K
Families of Serving Members 144K
of Former
Former Members 595K
Dependants of Former Members 350K
Other Eligible Members 150K
Morale and Welfare Services Directory
Answers one simple question: What services are available to YOU?
Choose the description that best
matches you from the list of
View the full catalogue of CFMWS
services that may benefit you and
follow the links to learn more.
PSP by the numbers
Recreation and Speciality Interest
• 25,000 Force evaluations (Apr-Oct)
• 8 Regional Adapted Fitness Specialists supporting
over 500 JPSU clients
• 6,000+ Recreation activities
Human Performance
• 100,000+ Recreation participants
• 325 DND facilities involved
• 1,534 CAF Personnel took part in the development
and validation of FORCE
• 175 Reg Forces Messes
• Nearly 8000 surveys administered to better understand • 280 Res Forces Messes
what could help CAF Personnel get more active
Health Promotion
• 3,900 courses offered
• 23,600 participants
• 250,000 readers
• Over 20,000 Intersection sport competitors
• 91 Regional competitions – 3,500+ competitors
• 18 National competitions – 1,800 competitors
• 85,000 copies distributed
• 14 locations across Canada
Community Gateway Website
• 139,000+ monthly visits
PSP – Deployed Ops - RCN
• Jul 13 - SLA with RCN
• Nov 13 – Training Course conducted at CFB Esquimalt for PSP
• Deployed Fitness, Sports and Recreation Coordinator:
– HMCS PRESERVEUR 21 Aug - 22 Oct 2013
– HMCS IROQUOIS 21 Aug - 27 Sep 2013
• HMCS Protecteur - Deployed one Ops Mgr at Pearl Harbour
• HMCS Regina – Thailand - Show Tour
Proposed Reactive Interface and Mobile Site
PSP Specialty Interest Activities
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
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;
– 140,560 lives insured under SISIP plans ($28.6B in coverage, $41.3M paid to beneficiaries)
– 93,600 members protected under LTD ($106.6M 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 (7,153 clients in 2012 with assets of $232M invested);
Canadian Forces Group Retirement Savings Plan – a “do-it-yourself”, on-line
investment and savings option (3,379 clients in 2012 with $117M 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.
Commercial Services
SISIP Financial Services
Comparative costs:
SISIP Financial Services
Industry Standard
Financial Planning
(No commission – fee for service
• $6 - $12/month (depending
on rank)
• Unlimited hours of service
• Includes one free income tax
• Approximately $100/hour 1 or 1%
- 3% of assets under
• $59 for one basic income tax
Financial Counselling
• Approximately $1204 / session or
• Fee of 15% of total debt +
monthly charge of $50 +
cancellation fee5
($100,000 in coverage / 25 year
old male / non-smoker)
• Varies $11 - $13 /month6
CBC News (April 2012) / MoneySense Magazine (October 2012)
2 – Where to find a fee-only Financial Planner
H&R Block
Credit Canada
5 – Consumer Credit Counselling sample
Compulife Software Inc.
Commercial Services
SISIP Financial Services
Life insurance plan advantages:
Industry Standard
SISIP Financial Services
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
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 coverage for Accidental Dismemberment
Cost to purchase
Free coverage for Dependent Life of $10,000
Cost to purchase
Commercial Services
• Operates 40 outlets on bases/wings across Canada
10 Retail Stores
10 SuperMarts (3 with petroleum)
17 ExpressMarts (6 with petroleum)
2 Grocery Stores
1 LiquorMarts
• Sales of $114M in FY 12/13
• Over 3.95M customer transactions annually
• 167 local concessions offering additional goods/services
Commercial Services
• 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, Andrei Master Tailor, Subway
• Online Sales and Marketing
− Developing an online e-retailing
strategy to augment existing store
• Elite line of clothing and accoutrements
Commercial Services
• 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
policy for DND controlled quarters, Identity Theft Assistance, Burglar
Alarm Discount also available
− 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, be transferred or retire within Canada
• Home Heating Oil Rebate Program: If home heated by oil, save on regular
delivered price of home heating oil – In Halifax, participants have saved up
to 8 cents per litre for the last six years; average of $1,500 in savings
Joint Personnel Support Unit (JPSU)
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.
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
Joint Personnel Support Unit (JPSU)
Personnel currently being tracked by JPSU
Posted to JPSU
Supported by JPSU
(but not posted)
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
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.
Transition Services
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
Military Family Services
Enabling a mission-ready Force by addressing the issues faced by CAF
members and their families that result from military service.
Military Family Services manages:
• Military Family Services Program, including funding and oversight
of Military Family Resource Centres
• Dependent Education Management, who manages the education
compensation and benefits requirements of military members
with dependent children
• Quality of Life issues that arise and affect military families as a
result of conditions of service of serving CAF personnel
Military Family Services
Support for serving members (Regular and Reserve) and their
families who face issues that arise due to conditions of
service such as:
• Mental health support
• Community integration
• Child care
• Transitions support
• Access to health care
• Education transitions
• Spousal employment
• Special needs of loved ones
Military Family Services
Military Family Resource Centres – On Base, In Person
• 33 in Canada, with programs and services in the United States and Europe
• Third party, non-profit organization located on Bases/Wings or through
outreach programs
• Provide services in both official languages in accordance with the needs of the
local community.
Family Information Line (FIL) – Informed, Connected and Supported
• 1-800-866-4546 – Now 24/7 service, bilingual, information and supportive
• 1620 calls made to the FIL, 4760 calls to the automated system that has
deployment information (2012) – For and about Canadian military families
• A portal to all MFRCs for local information, useful general information of
interest to all Canadian military families
• 328,062 visits to the FamilyForce site, 196,832 total unique visitors (2012)
Military Family Members by Province
Support Our Troops Program
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
Support Our Troops Program
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).
Soldier On Fund
• Supports former and currently serving members with a visible or
non-visible injury/illness to adopt an active lifestyle through sport
and recreation
• Over $1.1M 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
Soldier On Participation
756 Total members supported by Soldier On
New participants
Accumulative Total
As of 1 Nov 13
Soldier On Program
Afghanistan Commemoration
Soldier On Relay
Trenton - Ottawa
04-09 May 14*
Soldier On National Ski Fest
Whistler, BC **
2-8 Feb 14
2nd Annual Allied Winter
Sports Camp
Whistler, BC
9-19 Feb 14
USMC Trials
San Diego, CA
2-13 Mar 14
As of 1 Feb 2014
Big Battle Field Bike Ride
1-8 Jun 14
St Andrews Legacy Golf
St Andrews, Scotland
13-21 Jul 14
30 Jul – 6 Aug 14
Saddle Up Soldier On – RCMP
Ottawa, ON
26-30 May 14
National Golf Camp
Greater Toronto Area
28 May – 3 Jun 14
Cpl Dominic Larocque will participate on the Canadian Sledge Hockey Team competing at the Sochi Paralympics.
MCpl Chris Downey and Cpl Alexandre Beaudin-D’Anjou successfully trekked to the South Pole.
On 4 Jan 14, Soldier On was featured on CBC’s Hockey Night In Canada - Coach’s Corner ref the Soldier On vs USA Warrior
Hockey at the NHL Winter Classic in Detroit. Canada won 7-2.
* Dates TBC by PMO
** Venue moved from Mt Washington, BC due to lack of snow.
Canadian Forces Personnel
Assistance Fund
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
SOT Summer Camps
• 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.
Vacations for Veterans Program
• 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
NPP Outreach
• 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”
SOT Program / Third Party Outreach
• 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
Canadian Defence
Community Banking (CDCB)
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: 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 CFMWS since the
inception of the Program
• Sponsorship: $250K in 2013 for national and
local programs
Canadian Defence
Community Banking (CDCB)
The following is a comparison of similar banking programs available in Canada.
Comparative costs:
CDCB Performance Plan
Industry Standard
Varies from $11.95 to $14.95$ /
month depending of the
2 free months
Fee waived with $3000 minimum
Fee waived with $3000-$4000
minimum balance depending of
the institution
Unlimited transactions
Unlimited transactions
Earn Air Miles
CF Appreciation Program
• 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
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.
CF Appreciation Program
CF R&R Club – Examples:
Silver Lake Resort,
Kissimmee, Florida
7 nights/$369 USD
Barnsdale Country Club
Rutland, England
7 nights/$369 USD
Wyndham Ka'eo Kai
Kauai, Hawaii
7 nights/$369 USD
CFOne Card
• 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.
CFOne Card Benefits
CANEX 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

Canadian Forces Personnel and Family Support Services