Canada's Public Pension System Made Simple


Book Description

Get the Most Out of Your Canadian Government Pension! Are you getting everything you can from the government? The public pension system is complex and often changes, which means many people are not claiming money that they’re entitled to. Could you use more money to pay your bills? Do you know all of your options for maximizing your pension? Many people missed out on government pensions because they failed to take action to maximize their benefits. Read this book to make sure you’re not missing out on benefits that could help you pay your bills. Did you know? * Government pensions are not automatic. You have to apply for it. * You do not have to stop working to receive your government pension. * You may be eligible for government pensions from Canada even if you are living abroad and have never worked in Canada. * You may have to pay back part or all of your Old Age Security pension if your annual income is higher than a certain level. It is also known as the OAS clawback. * Many people missed out on government pensions because they failed to take action to minimize the clawback. * You can minimize the clawback, maximize your pension, and save taxes by following a few simple and proven strategies. This book was written to help you get the most out of your government pensions. Inside you'll find everything you need to know about Canada's public pension system and the actions and strategies that you can take to reduce the clawback on your OAS pension. Specifically, you will learn: * What benefits are offered, how to qualify, and how to apply for it. * Why it is important to have an RRSP withdrawal strategy. * Why it is important to have a tax-efficient investment strategy. * How you can minimize the clawback, maximize your pension, and save taxes by following a few simple and proven strategies. Read this book and start getting the money you deserve!




Beyond the Welfare State


Book Description

In Beyond the Welfare State, Sirvan Karimi utilizes a synthesis of Marxian class analysis and the power resources model to provide an analytical foundation for the divergent pattern of public pension systems in Canada and Australia.




Welfare State and Canadian Federalism


Book Description

The first edition of The Welfare State and Canadian Federalism focused on the impact of federalism on social policy during a period of economic growth and expanding social expenditures. The revised edition extends the analysis by asking how the federal syatem has shaped the social policy response to neo-conservatism, recession, and restraint. It analyses policy trends in detail; examines the implications of constitutional changes, including the Charter; and highlights the continuing role of federalism.




Aging as a Social Process


Book Description




Do Institutions Matter?


Book Description

As a stunning tide of democratization sweeps across much of the world, countries must cope with increasing problems of economic development, political and social integration, and greater public demand of scarce resources. That ability to respond effectively to these issues depends largely on the institutional choices of each of these newly democratizing countries. With critics of national political institutions in the United States arguing that the American separation-of-powers system promotes ineffectiveness and policy deadlock, many question whether these countries should emulate American institutions or choose parliamentary institutions instead. The essays in this book fully examine whether parliamentary government is superior to the separation-of-powers system through a direct comparison of the two. In addressing specific policy areas—such as innovation and implementation of energy policies after the oil shocks of 1970, management of societal cleavages, setting of government priorities in budgeting, representation of diffuse interest in environmental policy, and management of defense forces—the authors define capabilities that allow governments to respond to policy problems. Do Institutions Matter? includes case studies that bear important evidence on when and how institutions influence government effectiveness. The authors discover a widespread variation among parliamentary systems both in institutional arrangements and in governmental capabilities, and find that many of the failings of policy performance commonly attributed to American political institutions are in fact widely shared among western industrial countries. Moreover, they show how American political institutions inhibit some government capabilities while enhancing others. Changing American institutions to improve some aspects of governmental performance could hurt other widely valued capabilities. The authors draw important guidelines for institutional reformers wh




Pensions Under Attack


Book Description

Canada's aging population has raised cries of alarm from some quarters. Critics warn of a demographic time bomb waiting to explode and an age war over pensions as the baby boom generation starts to retire in the next decade. They say the answer is to get rid of public pension programs like the Canada Pension Plan and force people to contribute to their own personal savings plans instead. Will this spell disaster for the elderly, or is it a bold new idea for coping with rising costs? Monica Townson, a prominent independent economist, discusses the forces behind the push to privatize public pensions and looks at the likely impact of privatization on the financial security of futre seniors. She describes how Chile, under the Pinochet dictatorship, replaced its public pension plan with a forced savings scheme and became the darling of right-wing governments around the world, and how Britain, under Margaret Thatcher, introduced opting out of public pensions and triggered a major scandal involving some of the big names in the insurance industry. As the debate about pivatization heats up the new millennium, Pensions Under Attack provides the information needed to question the hidded agenda behind the current push to privatize public pensions. It will be a timely contribution to a discussion whose outcome affects the personal financial security of every Canadian.










Governance and Investment of Public Pension Assets


Book Description

And key messages -- Key principles of governance and investment management -- Governance of public pension assets -- Governance structures and accountabilities -- Qualification, selection, and operation of governing bodies -- Operational policies and procedures -- Managing fiscal pressures in defined-benefit schemes -- Policy responses to turbulent financial markets -- Investment of public pension assets -- Defining the investment policy framework for public pension funds -- Managing risk for different cohorts in defined-contribution schemes -- An asset-liability approach to strategic asset allocation for pension funds -- In-house investment versus outsourcing to external investment managers -- International investments and managing the resulting currency risk -- Alternative asset classes and new investment themes.




Human Resource Management in the Public Sector


Book Description

'An impressive collection of authoritative treatments of major current and ongoing topics in public sector human resource management, provided by both well-established experts and up-and-coming scholars who are becoming leaders in the field. A valuable resource for courses on the topic and an important reference for scholars and those seeking to maintain expert knowledge about it.' – Hal G. Rainey, The University of Georgia, US This insightful book presents current thinking and research evidence on the role of human resource management policies and practices in increasing service quality, efficiency and organizational effectiveness in the public sector. Internationally, public sector organisations face enormous challenges, including increasingly uncertain political and economic environments, more vigilant and cost-conscious governments, rapidly evolving community needs and an ageing workforce. This collection examines a range of HRM-related topics that will influence the capacity of public sector agencies to negotiate and respond to the challenges ahead. These topics include managing public sector human resources during an economic downturn, enhancing the satisfaction and motivation of public sector employees, attracting and retaining talent, leadership development, and case studies in successful public sector organizational change. With each chapter drawing on the latest research, but also emphasizing the practical implications, this collection is suitable for practitioners, researchers and students alike. It will also be valuable for HR specialists and managers of HR units in the public sector.