[Timpo]

ICBC says B.C. drivers will soon have to pay more

The Canadian Press
Published Monday, August 31, 2015 1:26PM PDT

VANCOUVER - It will be two months before the Insurance Corp. of B.C. applies for a specific change to basic insurance rates, but drivers across the province are being warned they will pay more.
ICBC has begun filing its basic insurance rate application with the BC Utilities Commission, but final parts of the application, including any request for a rate change, aren't due until the end of October.
Despite that, the provincial auto insurer says a recent leap in injury claims means that if its request were filed today, it would have to ask for a 6.7 per cent rate hike, the highest possible under current legislation.

ICBC president Mark Blucher says the corporation will work with government over the next few weeks to identify ways to reduce the impending rate increase.
The insurance corporation says costs for bodily injury claims topped $2 billion for the first time last year.
They are expected to climb to $2.3 billion this year, an increase ICBC says amounts to 64 per cent, or almost $900 million, since just 2008.

ICBC says B.C. drivers will soon have to pay more | CTV Vancouver News (http://bc.ctvnews.ca/icbc-says-b-c-drivers-will-soon-have-to-pay-more-1.2541469)

[Timpo]

ICBC rates could climb 6.7% because of fraud, spike in claims
Transportation Minister Todd Stone has called the proposed hike 'unacceptable'

CBC News Posted: Aug 31, 2015 1:58 PM PT Last Updated: Aug 31, 2015 1:58 PM PT

http://i.cbc.ca/1.1524180.1379102350!/httpImage/image.jpg_gen/derivatives/16x9_620/hi-bc-130830-downtown-traffic-vancouver-icbc-drivers-insurance.jpg

ICBC says a spike in injury claims and fraud will likely force it to increase basic auto insurance rates this October by as much as 6.7 per cent.

The Crown corporation says its payouts for pain and suffering, future care and loss of wages rose 10 per cent last year to $2.17 billion.

CEO Mark Blucher says if ICBC were to ask for a rate increase today, it would seek 6.7 per cent — which is the maximum allowable under current legislation.

But Transportation Minister Todd Stone said on Monday such a hike would be "unacceptable" and he is working with the provincial insurance company to minimize the rate hike.

"While the number of crashes is relatively unchanged, ICBC is also reporting more crashes with multiple injuries than ever before, with more cases being potentially fraudulent," said Stone.

"Just last month, ICBC released a media bulletin about a 'jump-in' scheme, where it was able to determine only one individual was in an accident, but two other relatives fraudulently filed bodily injury claims," said Stone.

ICBC rates could climb 6.7% because of fraud, spike in claims - British Columbia - CBC News (http://www.cbc.ca/news/canada/british-columbia/icbc-rates-could-climb-6-7-because-of-fraud-spike-in-claims-1.3210330)

[Tone Loc]

Blame all of the people claiming injury/missed work for being rear-ended in stop-and-go traffic at 5 km/h....

[CharlesInCharge]

Its all theater... by raising rates we throw the middle class in the bike lanes this way and reduce street traffic.

[Hondaracer]

Blame all of the people claiming injury/missed work for being rear-ended in stop-and-go traffic at 5 km/h....

Girlfriend backed into a car who was attempting to pull into the spot she was backing out of. A collision of probably LESS than 5km's. Woman in the sun fire claimed injury..:rukidding:

All this bullshit is why if I'm going to get into an accident knowing aka sliding into somone etc. you best believe I'm going to try and write off my truck. Might as well get a chunk of cash for my bending over and getting fucked in the ass even though I've got 15 years of perfect driving..

[320icar]

I've only ever been in one accident (which was my fault) many many years ago. Hit the front fender/front bumper of their vehicle (vision was blocked trying to turn right out of a gas station into the road) no one was injured and their vehicle didn't have much damage. Got s letter from icbc months later and I wa being sued for 2.5 million in damages. Of course icbc dealt with it and I'm sure shot that down like crazy.

This is the crazy of society we live in though. How do you think that no injuries equates to 2.5 million?!?!?

[melloman]

Best part of that article is that ICBC wants to hike rates 6.7%, the maximum allowable meanwhile our wonderful transportation minister Todd Stone thinks 3.9% is a much better number..

:fulloffuck:

The government should pass a law that if someone is caught trying to commit insurance fraud, they get the gas chamber. We don't need people like this in our society to begin with, might as well exterminate them like the cockroaches they are.

[6o4__boi]

yup...been bitten by this before.
rear ended some skank under 5 km/h
hell, it was a slight tap. I've been tackled harder than I hit that bitch

she claimed something like $25k+ in injuries
i hope that dumb skank got herpes and aids and is blowing anyone for meth.

[DHP 1]

^


thought usually low speed impact ICBC wont approve shit, will be consider as low impact. how the hell did tat bitch get $25g...even with lawyer that seems a bit excessive

[knight604]

I bet you the rates are going to increase yearly cause of this.

[6o4__boi]

thought usually low speed impact ICBC wont approve shit, will be consider as low impact. how the hell did tat bitch get $25g...even with lawyer that seems a bit excessive


one of my buddies knew a guy who scammed icbc way back (10ish years ago) for $75k+
similar to my situation, apparently he got rear ended at an intersection by a guy that just let off the brakes after stopping

the guy didnt show up to work for a long time and pretty much just did shit all and pretended that his back and neck was all messed up for at least a couple of years

if the stories are true apparently this guy got hooked on blow and is now homeless in TO :lawl:

[willystyle]

If anything, this is one good reason for automatic-driven vehicles. Cuts off most of the BS.

[VR6GTI]

^


thought usually low speed impact ICBC wont approve shit, will be consider as low impact. how the hell did tat bitch get $25g...even with lawyer that seems a bit excessive
They probably did fight it, so maybe the bitch got 5g but the lawyers that icbc hired cost 15g to fight it.
Sometimes its more cost effective to throw a lower number at someone then have the lawyers hash it out

[flagella]

What a fucking society we live in.

[DHP 1]

^

pretty sad to be honest...


Another loop hole is anyone looking for a new paint job,......u grab a set of key.....and ..............


pay the deductible and...voila!!!

:rukidding:

[!LittleDragon]

Low velocity is hard to get shit out of ICBC. I took a 5km bump and had to pay for 10 months of physio myself... well, extended medical did. Didn't care about the settlement. If there's medical costs involved, ICBC should cover that but they didn't. In case anyone's wondering, I was still recovering from a 40km hit at a red light. Not everyone's circumstances are the same.

[fsy82]

I've actually been in a low velocity impact. I was stopped at a crosswalk to let people cross on steveson. A driver behind didn't see we were stopped and he slammed into me going about 15 km/h. It doesn't seem like a lot to cause back pains but I tell you I'm still suffering from it.

The reason is because I wasn't braced for the hit. If i was braced for it I think I would have been fine. The impact was hard enough that it pushed my car through the cross walk. Thank god the people had already made it across.

[subordinate]

I've actually been in a low velocity impact. I was stopped at a crosswalk to let people cross on steveson. A driver behind didn't see we were stopped and he slammed into me going about 15 km/h. It doesn't seem like a lot to cause back pains but I tell you I'm still suffering from it.

The reason is because I wasn't braced for the hit. If i was braced for it I think I would have been fine. The impact was hard enough that it pushed my car through the cross walk. Thank god the people had already made it across.

I believe if you had braced for impact, you would have been in worse shape. The body gets less injured if you are in a relaxed state.

And I doubt it's all these minor claims against ICBC. It's the liberals/Province using ICBC as their get out of jail card/piggy bank.

[J-Chow]

ICBC president Mark Blucher says the corporation will work with government over the next few weeks to identify ways to reduce the impending rate increase.



Here's a way to reduce the impending rate increase.

Reduce everyone's salary who makes $300,000 per year in ICBC, particularly the CEO, President and/or Directors. :rukidding:

[jasonturbo]

The main problem is the law, the courts are bound by the law.

Precedents are set and from that point on there becomes a basic framework or procedure to abuse ICBC for injury/pain and suffering related compensation - and the legal community knows this.

There are too many people in BC that view accidents as opportunities to better their finances IMO, seen it many times in my personal life.

My insurance costs were barely any different between Alberta and BC, the main difference is that if I get hit by another driver here in Alberta, it's going to be hard to obtain financial compensation beyond the cap imposed by the Province... which is a measly 5k... not a very attractive number to a lawyer.

Minor Injury Cap Amount Announced by Alberta Government for 2015 | Cummings Andrews Mackay LLP (http://www.camllp.com/blog/2015-minor-injury-cap-amount-announced-alberta-government/)

[J-Chow]

BC should follow Alberta's way. Cap it!

[46_valentinor]

^


thought usually low speed impact ICBC wont approve shit, will be consider as low impact. how the hell did tat bitch get $25g...even with lawyer that seems a bit excessive
If you do some research, low speed impact is not recognized in court. If the party sues icbc and goes to court, the low speed impact rule will be eliminated and the court will be the one who will be deciding the payout.

ICBC's Low Velocity Impact Program | ICBC Personal Injury Claims Lawyer Erik Magraken | Victoria & Vancouver Island BC (http://bc-injury-law.com/icbc-low-velocity-impact-program)

[JesseBlue]

this is not news anymore. It seems like a recycled email/memo to news places. the only thing they change is the date and percentage its going up.

[vitaminG]

icbc needs to institute no-fault insurance.

would put all the ambulance chasers and scam artists out of business and give us all our lower rates back.

[Jmac]

I believe if you had braced for impact, you would have been in worse shape. The body gets less injured if you are in a relaxed state.

And I doubt it's all these minor claims against ICBC. It's the liberals/Province using ICBC as their get out of jail card/piggy bank.
In a front collision, it's best to relax but it's best to brace in a rear collision.

[SoNaRWaVe]

got rear ended in low speed impact too. rode out 2 years of physio and back still fucked.

apparently city vehicles play with a different set of rules as advised by a lawyer. scum bags icbc workers didn't even tell me any of this and they are suppose to be experts in this field and help you out. so i got fucked because papers weren't filed in time and i couldn't get more further treatment from icbc past the 2 years.

[subordinate]

In a front collision, it's best to relax but it's best to brace in a rear collision.

haha, so exactly the opposite of what a person can do.

If you can relax when an oncoming car is headed for you, *claps.

[mr_chin]

It's bullshit how perfect drivers have to pay for others' injury claims. It should just be the rate of individual insurance increase instead of the mass.

Guy A hits Guy B hard from the back. Guy B claim injuries (real or fraud), it should only come out of Guy A's insurance and Guy A's insurance premium will take a hit.

Why should the perfect guy that has been driving forever with no accidents have to pay more for others' fault?

[Hondaracer]

Even if it's coming out of guy A's premiums, everyone is still paying for it. That's how "insurance" works. Their funds are generated by the people paying their premiums

Insurance in general is one of, if not the biggest scam of modern times. Although you'd be crying to the media like all the other losers if somthing happened and you didn't have it :/

[MarkyMark]

Yeah how about raising the amount of discount you top out at for drivers who manage to not get in accidents, that would be nice

[meme405]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

[smoothie.]

most people aren't healthy, and might have old injuries.

15km/h from a semi would total your car.

but yes, there are a lot of fakers as well.

My injury from 4 years ago which I didn't feel more than being a bit sore at the time is really showing itself now, and there's pretty much nothing I can do about it. Sometimes its better to be safe, earlier.

[Timpo]

Yeah I got involved in a motorcycle accident couple years ago.

This 70 year old guy crossed the line and came up right in front of me, I was going at 50km/h and didn't have much time to brake so I probably smashed into his car at 40km/h.

I flipped over and rolled over on the ground like typical motorcycle accident. Luckly the injury was not life threatening or anything because I didn't have spinal cord injury or anything like that. There certainly was impact landing on the ground and all that.

The doctor told me that my injury was very similar to competitive athletes and he said he has dealt with these kinds of injury when he was working with competitive football and rugby players.

What I want to say is that my body could absorb some impact, as it supposed to and I could recover within couple months or so.
I do have a hard time believing when young and healthy people get hit at low velocity and claiming that they're suffering for more than 2 years. Maybe if you're an old man with health conditions, yeah I'd believe it but normal person should be fine.

[Timpo]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.Yeah true. If you're living in a wild, like many people do in Africa, South America, Amazon and many Asian countries... you'd be dead in no time if you're that fragile.
We're living in a rich society where we have food, medical service, roof over the top, TV, smart phones, cars, etc.

[twitchyzero]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

I doubt speed upon impact in rear-enders are ever really recorded. It's always by eyewitness or one's own memory and we know how unreliable those are during an accident. When someone says low impact and unless there's no noticable damage...the actual fact was probably closer to 20kph+...and those bumps are certainly not light. I would hazzard a guess most people aren't in the optimal seating position to minimize the impact (head turned away/looking around during red light etc)

[underscore]

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I think part of it comes from the unexpected nature of the impact and the restraints in the car only holding part of your body, but I could be wrong.

[AWDTurboLuvr]

I think part of it comes from the unexpected nature of the impact and the restraints in the car only holding part of your body, but I could be wrong.

The speed of the other vehicle is only one part of the equation. Mass and direction of impact are some of the others. A Smart Car is not gonna do anything to your car, but a 4500 lb pickup truck? Much more damage.

[quasi]

It's bullshit how perfect drivers have to pay for others' injury claims. It should just be the rate of individual insurance increase instead of the mass.

Guy A hits Guy B hard from the back. Guy B claim injuries (real or fraud), it should only come out of Guy A's insurance and Guy A's insurance premium will take a hit.

Why should the perfect guy that has been driving forever with no accidents have to pay more for others' fault?


The basic principal of insurance is spreading the risk among all the people that use it. Those who make claims pay a higher premium then those who don't. In order for it to only effect the person who's at fault they would have to cover the whole amount out of pocket. If everyone is paying out of pocket 100% what's the point in having insurance at all?

I feel your pain, I pay $4,600 a year to insure my 3 vehicles and haven't had a claim in almost 20 years.

[Hehe]

The whole insurance industry in North America needs a major overhaul.

The current system basically created this impression that if you ever got hit by someone, it's like you've won the lottery.

When I lived in South America, insurance there covered cars and/or properties, and not people. If you want to cover people, there's an extra coverage for that. And even so, the person claiming damage would have to prove how his/her life has been really affected by it. So, unless it's something obvious (broken leg/arm), one'd have to go great length to actually show such a damage (you get back pain? Go through CT/MRI scan to determine the actual cause, get an expert opinion on its cause and its effect on your life... etc).

The thing is, it makes hard for people to claim fake injuries and leave the money to those who truly need.

[van_city23]

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

[mr_chin]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

[CharlesInCharge]

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.Its from the old divide and conquer play book. Make people think their problems are caused by other people then blind side them into even more debt slavery.

[JaPoola]

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

What surplus? That's the Liberals' slush fund.

Vaughn Palmer: Ratepayers be damned, ICBC has become a valuable cash cow for unrepentant Liberals (http://www.vancouversun.com/business/Vaughn+Palmer+Ratepayers+damned+ICBC+become+valuab le+cash+unrepentant+Liberals/8875836/story.html)

[Jmac]

The speed of the other vehicle is only one part of the equation. Mass and direction of impact are some of the others. A Smart Car is not gonna do anything to your car, but a 4500 lb pickup truck? Much more damage.
This ^

Force = Mass x Velocity Delta / Time

I don't know how long it takes for a car to come to a complete stop in a collision, but let's say 1 second for simplicity's sake. It's probably less time than that (so greater force).

Take a typical car weighing 1500 kg.

15 km/h = 4.17 m/s

1500 kg x 4.17 m/s / 1 second = 6.255 kN of Force

That's a shitload of force. Most of it is transferred to your vehicle and some of that is transferred to the occupants. How much depends on a number of factors.

[rd01]

doesn't icbc run a surplus every year? As much as ppl make these claims, I think it's more about icbc diverting attention away from them hiking rates. They increase rates every year and every year have a different reason for why. Yet icbc has a surplus in revenue. My information on the surplus may be out of date, correct me if i'm wrong.

ICBC did make money last year. Funny how it's always basic insurance that goes up. The optional ones never do. Ever since private companies were allowed to sell optional insurance, ICBC has been raising basic and lowering optional. By the way the Liberals took $138 million from ICBC last year. But its okay, no income tax increase right? just increases in ICBC, Hydro, and MSP.

[meme405]

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

This is exactly the wrong kind of attitude.

"Taking every opportunity to get as much back" is exactly the reason our insurance is so fucking high, because a bunch of whiners and complainers think that getting rear ended at 10km/h is a reason to not go to work for a month and claim their back is broken.

NEWS FLASH your back ain't broken you bitch ass loser, get the fuck back to work and make something of yourself instead of being a drain on society...

[Tone Loc]

It's not if you can sustain the impact or not. It's the fact that you've just been in an accident, where you shouldn't be. First, you'll want to make sure you get any pain checked out. Second, you're buying insurance for a reason, and should take every opportunity to get as much as you can back.

I don't think there's anything wrong with going to see a doctor after ANY accident, just to make sure there are no underlying issues that could arise later on down the road. Going to a doctor after you get involved in an accident is not only better from a health perspective but is also good to have on your ICBC report just in case.

I strongly disagree with your last point though. Insurance isn't supposed to be seen as some kind of financial windfall, and people with that shitty attitude are the reason our premiums are so "high" in the first place. Because they take every collision as an opportunity to be dishonest and game the system for personal gain. Fraud affects all of us and I personally see no problem with paying more for insurance if it means more fraudulent claims are investigated and these scumbags are brought to justice.

[i-vtecyo]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

It's very common for re-occurrence of back injury if ppl have had it from the past before caused by some other injury. Also everyone is different which means everyone has different durability and bone density due to many factors such as age, sex, calcium intake and ect. In addition, back pain/injury is very broad. We could be talking about a strain in the back muscle, caused by a tear in the tendon/muscle fiber, a fractured vertebrae or sprain ligaments in the spine, or even more severe conditions such as shifting and compressing of vertebrates. Regardless, any back injury or head injury shouldn't be taken too lightly until further assessed by physicians.

And for sport activities such as snowboarding ppl do fall and theyre lucky to have not suffer any life threatening damage, but sometimes signs and symptoms do take days to show up and many unfortunate ppl have died from those listed activities.

[meowjinboo]

Holy crap some of you guys must be made of glass. 15km/h and you are hurting from back pain? Not calling you a liar, but I certainly don't believe you. A healthy person should be able to take a lot more abuse than that.

Think about it, in any sport, mountain biking, snowboarding, etc the human body is constantly taking hits at velocities much higher than 15km/h.

Hell there are pedestrians that get hit at 15km/h and get up brush it off and walk away.

I'd love to see the statistic on at fault driver claims vs. not at fault driver claims. I'm willing to bet at speeds less than 20 or 30 that one side is going to be almost 100% of the claims.

revscene consists of 110 pound asian kids who don't do manual labour, what do you expect.

and some guy who keeps bragging about his life

and some guy who is a fucking lunatic.

[SoNaRWaVe]

i do manual labour and my rear ender was from a f150 truck. low velocity as i recall it. bumper replacement was in 1.3k range and my physio said somewhere between my 3rd or 4th something on the upper spine (between neck to mid shoulder blade) was wacked.

2 years of treatment and there was improvement but its not fully back to what it was prior. no back injury prior either.

so i personally can say that low velocity rear enders are real, but i am also sure that alot of it are false claims for max payout.

[Timpo]

Consider expanding ICBC?s offerings (http://www.timescolonist.com/opinion/letters/consider-expanding-icbc-s-offerings-1.2059790)

Consider expanding ICBC’s offerings

Times Colonist
September 15, 2015 04:49 PM

Re: “Stop bleeding ICBC for profits,” editorial, Sept. 13.
The editorial notes that the Insurance Corp. of B.C. will seek a 6.7 per cent increase in basic car insurance due to pressure to balance the books, given the massive increase in the cost and frequency of injury claims. That’s right, but there’s a bit more to it.

A big part of the upward pressure is ICBC’s “representation rate”— the percentage of cases where an ICBC client seeks legal counsel to resolve their claim. This number has skyrocketed in recent years to almost 50 per cent. Claims centres are understaffed and overworked so, despite ICBC employees’ best efforts, customer service is suffering. Lawyers swoop in and promise bigger settlements for their clients, increase claim costs and drive up rates for the rest of us.

Next, as the editorial points out, government draws revenue from ICBC. However, simply cutting this funding might not be the answer. Revenues lost would mean more taxes or fees elsewhere, or cutbacks to government services. What would make sense is clarity, transparency and equity in the way British Columbians are taxed.

The government should also consider expanding ICBC’s offerings to other areas of insurance and other jurisdictions, as Saskatchewan Government Insurance has done. As SGI has shown, this diversification of insurance offerings spreads out risk, lowers rates and provides increased value for consumers. Further, rather than sapping money out of government, it would provide more income to spend on key priorities.

David Black, president, Local 378

Canadian Office and Professional Employees Union