Canada ENDORSES.. Age, Sex and Disability Discrimination


Here it is Canada. Our Federal and Provincial Governments DO support Discrimination based on Sex, Age and Disability.

     I lodged a formal complaint with the Human Rights Commission of Saskatchewan. The complaint was based on the amount that Life Insurance Companies charge for Term Insurance to seniors or almost seniors, the fact that your are male or female and if you have any kind of disability.

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    The older you are, the more you pay etc. Life Insurance Companies have got their butt covered with the help of Government. They get around the law, by saying that the buyer is signing a contract. Life insurance is a Provincial responsibility and every Government prohibits certain contracts because they might discriminate but it seems others are above the law. So it’s up to them to change the law. Here’s the reply from The Saskatchewan Human Rights Commission…
Human Rights reply

    Insurance Companies have been getting away with this law breaking practice forever, but in their case it’s age, sex and disability discrimination. You can hear the insurance companies whining, “well, we base all of our policies on Actuarial Tables”. These tables are the result of exhaustive studies that have been done to more less tell insurance companies just how long people will live and it’s these studies that are the bedrock of the insurance business. As you can see most Canadians choose Term Life contract.
what-life-insurance-policy-do-canadians-have   SO lets say, you were to open a business, where the only way to shop there, was if you had a membership and you only to sell to Asians? You surely would get your knuckles rapped by any Human Rights Commission. By the way, a membership is a contract. Of course you would have done study after study and maybe come up with an Actuarial Table to prove that Asians have a higher annual income than First Nation, White or Black people. Thus proving your contract is valid and you should be able to sell only to those who could, on a constant basis, afford your product.

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   If you are considering launching a complaint with your Provincial Human Rights Commission, I did a bit of leg work for you. I thought this just might be a Saskatchewan problem, so I reached out to all the Human Rights Commissions in every Province in Canada. I wanted to know that if they had a similar laws on their books protecting Life Insurance companies. Manitoba would consider investigating a Life Insurance discrimination complaint. PEI, Newfoundland, Labrador and British Columbia are in line with Saskatchewan and do protect Life Insurance from any such complaint. Alberta said that if the insurance complaint is reasonable and justifiable. Really, good luck with that, because in all matters about insurance are under the umbrella of “Reasonable and Justifiable”. I have to say when faced with a question all of the above Commissions were very good at replying and more than willing to help. At the time of publishing, Quebec, New Brunswick, Nova Scotia and Ontario had no comment. I can’t wait any longer. What, a week wasn’t good enough? You’re SOOOO busy, that you can even answer 1 email? I can only surmise that they have no interest in helping.

    Provincial Governments support the Life Insurance industry in Canada. Thus in turn, they’re supporting age, sex and disability Discrimination. The law, in all provinces is much different when it comes to insurance regarding a job. Discrimination in that case is a huge NO- NO. When it comes to the ordinary joe on the street, sorry we have to put up with it.

   This gives me pause to ask the question, how much do insurance companies contribute to election campaigns?
Someone asked me why the mainstream media hasn’t picked up on this massive scale of Discrimination. The answer is very simple, DOLLARS! The media doesn’t want to bite the hand that feeds. Insurance companies are one of the largest advertisers in the country.

    In my opinion, as this whole article has been, Insurance companies should start by scrapping term insurance or level the playing field for a 20 something to pay the same as a 60 year old person.
I’m so tired to frivolous claims of discrimination and mistreatment. These sometimes lead to lawsuits that are just as frivolous. When you find a true complaint that really hurts folks financially, it’s shrugged off and supported and endorsed by the Federal and Provincial Governments. In their mind it’s not worth it. So, we say to Politicians and the Insurance Industry “Hey Get Off My Lawn!”

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BRYAN COX (Speaker, Humourist, Columnist, Comedian)

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