INDEX 1. The First Thing to Do / Estate Planning... 2. Recommended Hymns and Scripture Readings

INDEX
1. The First Thing to Do / Estate Planning & Funeral Pre-Arrangements
2. Recommended Hymns and Scripture Readings
3. Proposed Obituary
4. Canadian Forces Superannuation Act (CFSA) – Military Pension
- Proof of Death Certificates
- Survivor Benefits
5. Supplementary Death Benefit (SDB)
6. Canada Pension Plan (CPP)
7. Old Age Security (OAS) Program
8. Veterans Affairs Canada (VAC) Disability Pension (for Hearing Loss Associated with
Tinnitus
9. Public Service Health Care Plan (PSHCP)
10. Pensioner’s Dental Service Plan (PDSP)
11. WILLs – for Ray and Muriel
12. Beneficiaries
13. Life Insurance Policy - Service Income Security Insurance Plan SISIP)
- Coverage After Release (CAR)
14. Organ and Tissue Conation – Donor Cards
15. CIBC / TD Canada Trust / MANULIFE Securities
16. Other Government Cards / Credit Cards / Registries and Agencies
17. Royal Canadian Navy Benevolent Fund (RCN BF)
18. Canadian Forces Member Assistance Program (CFMAP)
19. Office of the Ombudsman
20. Request for Marriage or Death Certificates
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21. Bereavement Support
22. The Importance of Pre-Planning
23. Who to Call
ESTATE PLANNING AND FUNERAL PRE-PLANNING
The needs of survivors are a fundamental concern of estate planning. Without estate
planning, a survivor ends up with what is left to chance. Having a pension plan, such as
one of the superannuation plans, with a survivor benefit, as well as the survivor benefit
provisions of the Canada Pension Plans certainly simplifies estate planning.
However, pension plans were never designed as a substitute for proper estate planning and,
in particular, were never intended to provide all the income a survivor needs to maintain
the same standard of living enjoyed while the spouse was still alive.
Estate planning and making pre-arrangements for your funeral, and leaving clear
instructions where all important paperwork, bank account information, RRSP information,
etc., may be found, are just as sensible, and essential, as having your WILL professionally
completed and certified by a lawyer.
I prepared this Comfort Book for my family because securing ‘Peace of Mind’ is really what
‘estate planning’ and ‘funeral pre-planning arrangements’ are all about. It deals with the
wishes of __________ and my spouse, __________ (nee _____), and was prepared in
order to spare as much anxiety, expense and inconvenience as possible to our surviving
family members.
Planners share a common goal – to plan a funeral service that will help survivors to
celebrate the planner’s life and accomplishments and not just mourn their death.
THE FIRST THING TO DO
When death occurs, the first thing to do is contact the Funeral Home:
Call one of the Beechwood Cemetery - Funeral Representatives at Telephone: 613 7419530.
Their Funeral Director / Funeral Representative will make all of the necessary
arrangements, in accordance with your pre-planned funeral arrangements.
Note: The earlier they are called, the earlier they can begin.
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The body must be pronounced dead by medical personnel before transfer from the home or
hospital to the funeral home. It is the attending physician’s responsibility to complete the
Medical Certificate of Death. This document requires the person’s name, age, and the
date and cause of death.
This certificate, together with the Statement of Death, must be completed in full before
registration of the death can take place, and before a Burial Permit can be issued by the
local registrar.
PRE – ARRANGED FUNERAL ARRANGEMENTS
BURIAL ARRANGEMENTS
All current and former Canadian Forces members, who have been honorably discharged are
eligible for burial in the National Military Cemetery (NMC) of the Canadian Forces in
BEECHWOOD Cemetery in Ottawa. In addition, one family member, (wife - _____), may
be interred in the same plot.
Burial pre-arrangements for both _____ and I, for interment in the National Military
Cemetery (NMC) of the Canadian Forces at BEECHWOOD Cemetery, Section Number ___,
Grave Number ____, have already been arranged. The cemetery is located at:
280 Beechwood Avenue
Ottawa, Ontario
K1L 8E2
Tel No: 613 741-9530
FAX No.: 613 741-8584
See the File titled ‘National Military Cemetery (NMC) of the Canadian Forces’ filed in the
home office filing cabinet.
For more information, you can visit their website at:
http://www.forces.gc.ca/hr/nmc/engraph/home_e.asp
You will be required to select a date, time and place where the funeral service will take
place (at Beechwood Cathedral or in a Church).
Consult with our Minister, Reverend __________ , and ask him / her to conduct the
Funeral Service at Beechwood or in the Church that has been selected. If a Minister is
not available, there is a Warrant Officer on staff at Beechwood, telephone: 613 7419530 who will acquire the services of a military padre for you.
The Canadian Forces Warrant Officer on staff at Beechwood Cemetery has been tasked to
provide whatever guidance and assistance are necessary to the military family.
Note that whenever consistent with the exigencies of the service and the wishes of the
next of kin, the Canadian Forces will provide a military presence as a token of respect and
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remembrance at all burials in the National Military Cemetery of the Canadian Forces. The
Commandant at Canadian Forces Support Unit (Ottawa) is responsible for the provisions of
such presence or for recommending such presence in accordance with the relevant
regulations.
Because I served with the Canadian Forces Supplementary Radio System for over 35
years, and I am currently a member of the Supplementary Radio System (SupRad)
Oldtimers Association, you could ask the Commanding Officer - CFS Leitrim, to provide a
military presence at the Church funeral service, and at the BEECHWOOD National Military
Cemetery.
The CO CFS Leitrim telephone number is: 613 945-5350.
If it is your desire, the Minister can arrange to have a choir in attendance at the funeral
service.
Select the Scripture readings, Psalms, or any other particular readings, poems, etc.,
(Section 2), that will be read, and who will read them. Reverend __________ , could be
asked for his / her assistance in selecting these readings.
I will leave it up to you to determine who, (either a family member or a friend of the
family), will deliver the Dedication / Words of Tribute (Eulogy).
VISITATION / FUNERAL AND BURIAL PRE-ARRANGEMENTS
VISITATION
It is my wish to not have my body laid out in a casket and put on display. I have been to
traditional funerals where the body has been on display in a coffin, and I have been to
funerals where an urn, containing the cremains, was present. The urn was surrounded by
flowers, family pictures and other family memorabilia. Although both types of visitations
present a difficult time for everyone, it has been my experience that it was made easier
for everyone when the body is not on display in the funeral home.
Before cremation takes place, I want my family members to be given the opportunity to
have their own private service and to say their last good-byes.
At the Funeral Home visitation, I would like to have the following items displayed:
Guest Register with pen
Military Shadow Box with Canadian Flag
My framed Commissioning Scroll
My court-mounted medals
My Navy Hat
Porcelain Statue – A Sailor’s Homecoming
In Memory cards
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Picture Display Board (you can select the family pictures that you would like to have
displayed)
etc.
If a donation in lieu of flowers is requested, you may decide on an appropriate memorial
(Memorial Donations) to which gifts may be made (Church, Hospital, Cancer Society,
Charity, etc.)
At my Funeral Service, I would like to have the following items displayed in the Church /
Chapel:
Military Shadow Box with Canadian Flag
Navy Ensign
Navy Hat
Court-Mounted Service Medals
Supplementary Radio System ‘Friends Forever’ pin
Flowers
etc.
Decide what you would like to do with the flowers after the funeral service. You may wish
to keep a flower each, ask friends to take them or leave them in the Church.
Don’t forget about the Minister’s Honorarium and a stipend for the organist. It is
customary to give the Minister $100.00 and the organist $50.00. I will leave the
determination of these amounts up to you.
(NOTE: You should bring this 3-ring binder with you to the lawyer’s office)
INTESTATE
Note that if you pass away intestate, that is, without having a Will, the Intestate
Succession Act dictates where your assets will go. In other words, the Government will
make these decisions for you. Do not let this happen to you. The Wills for _____ and
_____ can be found in the office filing cabinet.
FUNERAL INFORMATION SOCIETY OF OTTAWA
This ‘Final Planning Guide – Comfort Book’ was prepared using some of the information that
was provided by the Funeral Information Society of Ottawa. Funeral Information Societies
and Memorial Societies across Canada encourage pre-planning as a cost-effective way to
protect family members at a most vulnerable time.
The Funeral Information Society compares costs of funerals, cremation, burial and all
related matters.
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Located in major urban centers of Canada, the Funeral Information Society and Memorial
Society negotiate an agreement with one selected Funeral Home Service agency in each
area of coverage to provide a full range of funeral services at much more economical costs
than an individual could negotiate.
For more information, you can visit their website at: http://myfuneralplan.org/ottawa.htm
I am a member of the Funeral Information Society of Ottawa. If you have any questions,
or if you require assistance in selecting a Funeral Home, (ie. if one has not already been
pre-determined), they can be reached at:
1386 Richmond Road,
PO Box 32057,
Ottawa, Ontario, K2B 1A1
Telephone Number: (613) 828-4926.
DISPOSITION OF REMAINS – CREMATION
Over the years, we have been to many funerals and attended many grave-side services.
After giving this subject careful consideration and discussing it with each other, _____
and I have chosen cremation over a traditional burial.
Cremation most commonly occurs before the funeral service.
If you have concerns about cremation, remember this Scripture taken from John 5:2829. At the resurrection it will not make any difference whether a person’s body has been
buried or cremated. God knows how to raise the body, either in the resurrection of life
or the resurrection of condemnation.
Also, 1 Corinthians 15:35-54 and Philippians 3:20-21. The new body of a Christian will be
a radically changed and glorified body like the body of the exalted Christ. It will be an
eternal, spiritual body never again to experience weakness, disease, suffering or death.
Crematoria are operated almost exclusively by cemeteries. Ordinarily, the public does not
witness the process by which the human body is reduced to cremated remains. If a family
member does wish to be present, all they have to do is ask the National Military Cemetery
/ Family Services Coordinator.
The body is always cremated in the casket purchased. Some funeral homes provide an
inexpensive cardboard casket for this purpose.
As our remains will be cremated at the BEECHWOOD National Military Cemetery, they can
help you with selecting an inexpensive suitable container.
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URN WITH CREMAINS
Urns and other types of containers to hold the cremains are available from the
BEECHWOOD National Military Cemetery.
Following cremation, the ashes may be stored in an urn and then buried in the burial plot
(Section ___ Grave ____) at the National Military Cemetery of the Canadian Forces,
BEECHWOOD Cemetery.
GRAVE MARKER OR MONUMENT
The military crest on the headstone that I have chosen is that of the Canadian Forces
Supplementary Radio System (CFSRS). CFSRS was the Signals Intelligence (SIGINT) and
Electronics Intelligence (ELINT) Branch of the Canadian Forces.
The CFSRS motto ‘Scrutatio et Quaestio’ translates to ‘Search and Researc
RECOMMENDED HYMNS
Hymn selections for ________:
Eternal Father, Strong to Save
(For my military service in the Royal Canadian Navy. This is the Naval Hymn – Hymn #
659 in Voices United)
The Servant Song
(For my volunteer work in the community – Hymn # 595 in Voices United)
What A Friend We Have In Jesus
O God, Our Help In Ages Past
(Hymn # 806 in Voices United)
Go Now in Peace (Sung Blessing)
(To be sung at the conclusion of the service)
Hymn selections for ________
In the Bulb There is a Flower
(Hymn # 703 in Voices United)
RECOMMENDED SCRIPTURE READINGS
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You can use these Scripture readings or pick others that you may wish to read.
John 14: 1-6
‘Jesus, the Way to the Father’
Ecclesiastes 3: 1-8
‘A Time for Everything’
Mark 4: 35-41
‘Jesus Calms a Storm’
2 Timothy 4: 6-8 and 16-18
‘To all Those Who Wait with Love’
Psalm 23
‘The Lord Our Shepherd’
Canadian Forces Superannuation Act (CFSA) - Pension
The Canadian Forces Superannuation Act (CFSA) is the pension plan for all members of the
Regular Force. When I retired, I became entitled to an annual pension calculated at 70
percent of my last five years of active service.
NOTE: When I started receiving my monthly Old Age Security (OAS) payments, my
military pension was clawed back.
My current annual military pension, as of 1 January 2014 is
$ __________
($ __________ x 12 = $ __________
As I am entitled to receive an annual increase to my military pension (indexing), it is
automatically increased on the 1st of January every year.
My Pension Number is - __________
The Pension Office must be notified immediately after death, and the death certificate or
the certificate issued by the Funeral Director showing the date of death, must be mailed,
(recommend Registered Mail), to:
Director Canadian Forces Pensions Services 5
National Defence Headquarters
Albion Tower
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25 Nicholas Street, 10th Floor
Ottawa, ON, K1A 0K2
Tel: 613 971-6012
FAX: 613 971-6005
Internet: http://www.forces.gc.ca
[email protected]
www.cmp-cpm.forces.gc.ca/pen/pa-ap/index-eng.asp
Canadian Forces Pension Call Centre
(to report the death of a pensioner)
For CF pension cheques, source deductions, mailing addresses, bank accounts, etc.
Ottawa Region: Telephone 613 952-9933 or
Toll Free: 1 800 267-0350
[email protected]
www.tpsgc-pwgsc.gc.ca/forces-pensions/txt/index-eng.html
__________ will be entitled to receive a Survivor Allowance, under the CFSA, which at
the present time, is 50 percent of my Pension.
NOTE: The Federal Superannuates National Association (FSNA) is attempting to get this
Survivor Allowance increased to 60 percent.
MAKE SURE THE DECEASED’S PENSION NUMBER IS ON ALL DOCUMENTS SENT TO
THE PENSION OFFICE.
See the File titled ‘Pension and Release Benefits’ filed under ‘Financial Records’ in the home
office filing cabinet.
NOTE: Within one month after the spouse calls, the Pension Office will send the survivor
a letter outlining the benefits the survivor will receive and provide other related
information.
PROOF OF DEATH CERTIFICATES
All funeral homes provide Death Certificates, (proof of death), which may be used for
many purposes. You will need a Death Certificate to obtain the Canadian Forces Pension
Plan benefits, Canada Pension Plan (CPP) Survivor benefits, bank and credit union releases;
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insurance claims (SISIP); the Supplementary Death Benefit (SDB); and all other legal
requirements.
You should not have to do this, but if it is necessary, an official Certificate of Death can
be obtained by writing to the Office of the Registrar General of the Province of Ontario.
Application forms to apply for a certified copy of the Certificate of Death are available
from the local funeral home, city clerk or post office. There is a fee for each certificate.
For birth, death and marriage certificates and certified copies, walk-in counter services
are available at:
Ottawa Land Registry Office
161 Elgin Street, 4th Floor
For an additional fee, SAME DAY SERVICES, are available for births registered since
1930, marriages registered since 1965, and deaths registered since 1980.
The Supplementary Death Benefit (SDB)
The Supplementary Death Benefit (SDB) is a declining term life insurance that provides a
lump sum to the designated beneficiary of a CF pensioner who paid premiums to the plan.
The Canadian Forces SDB contact is:
Director Canadian Forces Pension Office (DCFPS)
Albion Tower
25 Nicholas Street, Ottawa, ON
K1A 0K2
Telephone: toll free 1 800 267-0325 or 613 971-6012.
You will have to call to advise them of the death of the pensioner, (Service Number (___
___ ___) and inquire about payment of the SDB to the surviving spouse.
NOTE: Payment of benefits under the SDB will normally be madeyour beneficiary within
two to four days of receipt of notification of death.
NOTE: Make sure that your spouse, (or some other person), has been clearly identified
(the Beneficiary’s Name in Full on your Supplementary Death Benefits Plan CF 497 (2-91))
as your beneficiary.
The SDB is initially twice the amount of the military member’s salary at the time of
retirement and is NOT subject to income tax when paid to an individual designated as
beneficiary.
NOTE: From the age of 61 to 70, the SDB will be reduced by ten percent per year. At
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the age of 70, there are no more deductions from the Pension, but the benefit is reduced
to a lump sum payment of $5000.00. For example, the benefit:
Up
At
At
At
At
At
At
At
At
At
to age 60 – it was $ __________
age 61 –
age 62 –
age 63 –
age 64 age 65 –
age 66 –
age 67 –
age 68 –
age 69 –
And so on . . . . . until age 70, when the SDB will be worth a lump sum, tax-free benefit
of $5000.00.
See the File titled Supplementary Death Benefit (SDB), filed under WILLs in the home
office filing cabinet.
Director – Canadian Forces Pensions Services (CDFPS 8) Website Address:
http:/www.admfincs.forces.gc.ca/pension
Canada Pension Plan (CPP)
When I turned 60 years old, __ _____ ____, I elected to start taking the Canada
Pension Plan (5 years) early. The penalty for taking the CPP early was a 30 percent
reduction of the maximum allowable pension benefit.
When my spouse ________ turned 60 years old, __ ______ ____, she elected to start
taking her CPP.
To save on our annual taxes, my spouse __________ and I do Canada Pension Plan splitting.
As a result of CPP income splitting, my monthly CPP, as of 1 January 2014 is $
__________ and __________ is $ __________.
When a death occurs, call the Human Resources Development Centre (HRDC)
Tel No. 1 800 277-9914 (toll-free)
to advise them about the death and to inquire about the Survivor Benefits.
CPP Website: www.hrdc-drhc.gc.ca
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You have to advise the Canada Pension Plan office of your spouse’s death. You need to
apply to receive survivor benefits and the Canada Pension Death Benefit. If you do not
apply, you may loose benefits you are entitled to receive.
See the file titled Canada Pension Plan located in the home filing cabinet
CPP Death Benefit – Upon the death of a contributor there may be a lump sum ($2500.00)
benefit payable to the estate.
NOTE: This benefit must be applied for. It does not come automatically.
CPP Survivor’s Benefit – There is a monthly benefit available for the widow(er) whose
spouse contributed to the plan, for the minimum qualifying period. This must be applied
for. It does not come automatically.
CPP Disability Benefit – A Disability Pension may be paid to a contributor who becomes
disabled and who has made sufficient contributions to the Plan.
For information concerning any up-to-date the changes to the Canada Pension Plan, write
to:
CPP-INFO
P.O. Box 5400
Postal Station D
Scarborough, Ontario
M1R 5E8
See the File titled ‘Canada Pension Plan’ filed under Canada Pension Plan in the home office
filing cabinet.
Old Age Security (OAS) Pension
I became eligible for the Old Age Security Pension on the __ ______ ____. My spouse
__________ became eligible on the __ _______ ____.
As of 1 January 2014, my monthly OAS pension is $ __________ and my spouse
________ is $ ________.
See the OAS website at:
http://www.servicecanada.gc.ca/eng/services/pensions/oas
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Veterans Affairs Canada (VAC) – Disability Pension for _______________
File Number:
__________
Service Number:
___ ___ ___
Disability Pension – for __________
As of __ _____ ____, I was granted a monthly Veterans Affairs Canada (VAC), taxfree, disability pension for __________ under subsection 21(2) of the Pension Act,
Regular Force service.
This disability pension is indexed and therefore the amount is increased every January 1st.
As of 01 January 2014, the monthly pension is $ __________.
The surviving spouse of a disability pensioner receives, for one full year, all the monthly
benefits that were in place at the time the pensioner passed away.
At the end of the one-year period, a survivor pension is paid, based on the amount of
disability benefit that was paid at the time the pensioner passed away.
For all information related to this disability pension, see the VAC – __________ Claim in
the office filing cabinet.
It is up to you to report changes in circumstances. You can contact the VAC National
Contact Centre Network at:
Tel: 1 866 522-2122 (Monday to Friday from 08:30AM to 4:30PM)
Veterans Affairs Canada (VAC) Assistance Service
The mission of Veterans Affairs Canada is to provide exemplary client-centered services
and benefits that respond to the needs of veterans and their families, in recognition of
their services to Canada, and to keep the memory of their achievements and sacrifices
alive for all Canadians.
The Veterans Affairs Canada Assistance Service is for former Canadian military members
and their families.
All questions on VAC Assistance Services and benefits may be directed to:
Tel No: 1 800 268-7708 (toll-free) 24 hours a day
1 800 883-6094
613 995-1457.
To review the list of services and benefits, go to the Veterans Affairs Canada (VAC)
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Website at:
www.vac-acc.gc.ca
See File titled ‘Veterans Affairs Canada Assistance Service’ filed under Occupational
Records in the home office filing cabinet.
CONTINUING MEDICAL COVERAGE UNDER THE
PUBLIC SERVICE HEALTH CARE PLAN (PSHCP)
The Public Service Health Care Plan (PSHCP) is administered by Sun Life Assurance
Company of Canada.
Public Service Health Care Plan Tel: 1 800 267-6542
Surviving spouses should be aware that all PSHCP deductions previously taken from a
pension will be stopped when the pension office is notified of the pensioner’s death. This
means that survivors will no longer have access to other benefits paid at the family rate
by the pensioner.
Survivors who want to continue their coverage under the PSHCP will have to call the
Canadian Forces Pension Office and then fill out an Application Form to have the premiums
deducted from their survivor’s pension payment.
NOTE: You have 60 days following the death of the contributor to elect coverage.
Canadian Forces Pension Office Tel No. – 613 971-6012
If the surviving spouse is in receipt of an allowance under the Canadian Forces
Superannuation Act (CFSA), the plan contains an option for the surviving spouse to continue
medical insurance coverage.
Once you have completed the paperwork received from the Pension Office, call the Sun
Life Assurance Company of Canada (Ottawa Call Centre) at Tel: 613 247-5100 or 1 888
757-7427 to advise them current status of:
Contract _________, Member ID ________ Hospital Level ___
The Sun Life Assurance Company staff will assist you in completing a Positive Enrolment
Form.
PSHCP website:
http://www.pshcp.ca/
CONTINUING DENTAL COVERAGE UNDER THE
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PENSIONERS’ DENTAL SERVICE PLAN (PDSP)
The Pensioners’ Dental Service Plan (PDSP) is a dental plan sponsored by the Government of
Canada for pensioners from the Canadian Forces. It is administered by the Sun Life
Assurance Company of Canada.
Survivors in receipt of an annual allowance are eligible to apply for the PDSP membership
at any time. Enrolment forms must be obtained through the Canadian Forces Pension
Office and completed within 60 days of the death of the pensioner.
I recommend that you call the Pension Office to advise them that you want to continue
coverage under the Pensioners’ Dental Services Plan.
Office of the Canadian Forces Pension Plan
Tel: 613 971-6012
Canadian Forces Pension Call Centre
1 800 267-0350
NOTE:
If a pensioner decides to enroll, he/she must remain in the plan for a minimum of three
years. A plan member who opts out of the PDSP will not be allowed to join again.
Call the Sun Life Assurance Company of Canada (Ottawa Call Centre) at:
Tel No. 613 247-5100 or 1 888 757-7427
to advise them current status of :
Member Certificate/ID No. __________
Provider ID No. __________
NOTE that under the PDSP, there is no requirement to complete a Positive Enrolment Form.
www.pdsp.gc..ca
WILLS – for __________ and __________
(Have your Wills secured in a safe place)
IN THE EVENT OF A DEATH - NOTIFY THE FAMILY LAWYER
Lawyer’s Name
-
_______________
Law Firm Name
Complete Address
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Tel No: ___-___-____
NOTIFY THE EXECUTOR
Your executor will wrap up your affairs efficiently, in accordance with your last wishes.
Be sure that your executor knows where all of your accurate records, relating to your
estate, are located. This document has been prepared for this specific purpose.
Your executor will execute the instructions in your WILL after you have died. He or she
will distribute your assets and attend to other matters related to the administration of
the estate, like the payment of taxes, debts, funeral and testamentary expenses.
As spouses commonly appoint one another, ________ has agreed to act as the executor
for me, and I have agreed to act as the executor for her.
Executor for _____
-
____________
(SIN Number)
Executor for _____
-
____________
(SIN Number)
ALTERNATE EXECUTORS
An alternate executor is named in case your first choice is unable to act or dies before
you do.
_____ brother, ____________ has agreed to provide assistance to either _____ and / or
_____ as necessary.
My brother _____ is the first Alternate Executor for _____ and _____.
_____ Brother:
(complete address)
Tel: ___-___-____
In the event of something happening to _____, this responsibility would be transferred to
our oldest daughter, __________.
Daughter :
Name and complete address
Tel: ___-___-____
Both of the alternate executors have indicated that they were willing to serve in this role
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before they were named in our WILLs.
NOTE: Executors are entitled to be paid for their administration duties – usually a
percentage, (up to 5 percent), based on the total value of your estate. Where they are
already named as beneficiaries, this payment is usually waived.
Our Alternate Executors were provided with copies of our WILLs.
IF AN EXECUTOR IS INEXPERIENCED
Our lawyer, __________, said that his office, (Name of office), would provide the
executors with expert, professional or other advice or assistance, with the fees for such
advice or assistance as an expense of the estate.
POWERS OF ATTORNEY
Many Canadians become mentally incapacitated because of accidents or illness. This is why
many people draw up a legal document known as a ‘Powers of Attorney’ to ensure their
affairs will be managed by someone they know and trust – a person they choose versus
someone selected through government and/or court intervention.
For your own and your family’s peace of mind, a ‘Powers of Attorney’ should be part of
your estate planning. In Ontario, separate Powers of Attorney may now be made for two
key areas of decision-making:
Property and Personal Care.
In order to ensure that the family’s interests and welfare are fully protected, and given
the extreme important nature of the decisions outlined in Powers of Attorney, you can see
why legal assistance in their preparation is highly advisable.
Powers of Attorney for Property -
(Lawyers Info)
Many people leave the original executed copies of the powers of attorney with a trusted
third party (such as your lawyer) with a direction as to when it may be released to the
attorney. Your attorney must have an original copy of the power of attorney to act on
your behalf.
I appoint my spouse, __________, to be my Attorney for my Property.
In the alternate, I appoint my brother, __________, to by my Attorney, in the event
that my primary Attorney is unable or unwilling to act as my Attorney at any time while
this Powers of Attorney is in effect.
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Powers of Attorney for
Personal Care
1st – daughter / son _____
-
Spouse – __________
2nd – daughter / son _____
etc.
NOTE: A Powers of Attorney may only be used during your lifetime and terminates at the
time of your death. A WILL, in contrast, deals with the disposition of your property
after death and only takes effect after your death.
SECURITY
You should ensure that you have some form of home security, for example, a Home
Security Alarm System or house-sitter, etc., during the funeral visitation and the
funeral. Unfortunately, break-ins occur after a death notice has appeared in the papers.
LIFE INSURANCE POLICY (SISIP – CAR)
Term Life Insurance Plan for Member (__________) and Spouse (__________) is with the
Service Income Security Insurance Plan (SISIP) Financial Services - Coverage After
Release (CAR)
Date of Issuance of (Revised) Policy
-
__ _______ ____
Policy Number – ____________
In the event of the death of _____ and / or _____ the SISIP CAR will provide the
beneficiary with tax-free lump sum payment.
Amount for _____ death, $ ________ , with _____ as the beneficiary; and
amount for _____ death, $ ________ , with _____ as the beneficiary.
NOTE: _____ amount will be dropped on the first anniversary of your sixty-fifth
birthday.
In the event of the death of both _____ and _____, the SISIP - CAR will transfer all of
the beneficiary money ($ __________) to the estate, to be divided equally amongst our
___ surviving sons/ daughters.
Call SISIP - CAR at 1 800 565-0701 (the Manulife Financial / SISIP Services
Department in Halifax that looks after my policy), or SISIP Financial Services in Ottawa
at 613 233-2177 to advise of the death and send them a certified copy of the Death
Certificate.
SISIP Website: http://www.sisip.com
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See the File titled ‘Life Insurance (SISIP) - Coverage After Release (CAR)’ filed under
Life Insurance in the home office filing cabinet.
This should be reviewed every year, and revised if necessary.
ORGAN AND TISSUE DONATION - DONOR CARDS
The decision to donate your organs upon death is a personal choice to be made by you,
preferably in consultation with your family.
For _____:
I wish to donate my organs for transplantation after my death.
See my signed and dated ‘Gift of Life Consent Form for Organ and Tissue Donor
Registration’ contained in this section.
NOTE: At the time of death, you should tell the doctor, or attending physician, of my
decision to donate organs for transplantation, since time is of the essence.
------------------------------------------------------------------------------------------For _____:
OTHER GOVERNMENT CARDS / CREDIT CARDS
REGISTRIES AND AGENCIES
The executor should contact the following government offices and agencies:
Social Insurance Number
Contact the Canada Employment Centre (Tel No: 1 800 206-7218)
to advise them of the status of:
(SIN Number and Name)
Ontario Health Card
Contact the Service Ontario Office (Tel No: 1 800 268 1153) to advise them of the
status of:
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Card Number Card Number -
__________TW (Name)
__________ MX (Name)
Names and Phone Numbers for:
Hospitals, Credit Card Companies, Financial Institutions, etc.
Other Cards
Canadian Blood Services
THE LAST POST
Call 613 235-8741 to put a death notice in ‘The Last Post’ section of the Royal Canadian
Legion magazine.
KEEP INFORMED
Read up on subjects such as hospice care, alternative housing, and estate planning. Your
local library has books on these topics and also on bereavement and dealing with grief.
Other sources of information are the inter-net, trust companies, funeral co-ops and law
societies.
REVIEW ANNUALLY
To ensure that ‘The Final Planning Guide’ is kept up-to-date, it should be reviewed on an
annual basis and revised as necessary. Try to keep all of the information as accurate as
possible.
THANK YOU CARDS
All floral gifts, memorial donations and spiritual offerings (visitors and those who supplied
food) should be acknowledged. Prepare a mailing list of those persons who should receive
thank you cards and notes.
If a personal note is more than can be managed, acknowledgement stationery is available
from the funeral director.
CONCLUSION
(REMEMBER AND BE THANKFUL FOR THE GOOD TIMES)
Tombstone Humour
“I came into this world without my consent and left the same way”
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The Royal Canadian Navy - Benevolent Fund (RCN BF)
The Royal Canadian Navy Benevolent Fund provides assistance to eligible applicants who
enlisted prior to 1 February 1968.
NOTE: I enlisted in the Royal Canadian Navy - __ ________ ____.
Assistance is provided in the form of grants and interest-free loans, to relieve distress
and promote the well being for applicants and their spouse. Interest-free loans for
educational purposes for dependants, including grandchildren are also available.
I enlisted in the (Navy, Air Force, Army), on (date).
Tel No: 1 888 557-8777 or 613 996-5087
E-mail: [email protected]
Canadian Forces Member Assistance Program (CFMAP)
As a retired member of the Canadian Forces, you, your spouse (_____) and your children
(_____, _____, _____, _____) are entitled to the professional services of the CF
Member Assistance Program. It is a voluntary and confidential service to help members,
and family members, who have personal concerns that affect their personal well-being and
/ or work performance.
The Member Assistance Program, offered by the Employee Assistance Services of Health
Canada in partnership with the Canadian Forces, is a voluntary program that was developed
to assist in overcoming almost every problem that can affect your professional or personal
life.
CFMAP meets the member’s and the family member’s requirement for a confidential and
timely response to a number of individual or family needs, for example, feelings of sadness
and the grief experienced over the loss of a loved person.
Tel No: 1 800 268-7708 (24 hours a day, 365 days a year)
Office of the Ombudsman
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The services of the Office of the Ombudsman are available to both active and veterans /
retired military personnel.
If you are not sure what procedure to use to address a concern, the Office of the
Ombudsman can give you advice and refer you to the appropriate existing channels of
assistance within the Department of National Defence and the Canadian Forces.
For a complete description of professional services provided by the Ombudsman of the
Canadian Forces, call:
Tel No: 1 88-88-BUDMAN
1 888 828-3626
If you want further information about the Office of the Ombudsman, visit their website
at:
www.ombudsman.forces.gc.ca
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