Vince McKay

Thank you, Mr. Speaker. The territorial government is on a working group with the federal government that is talking about insurance and affordability, also insurance coverage that is not available. For an example, some flood insurance is not available depending on the type of flood. So there is a working group out there to work on insurance coverage. And to mention to the point of the gray area, there is a lot of confusion about insurance and what can and cannot be covered. So there is a federal working group, and the government is part of it. Also, I believe the NWTAC is also part of...

Thank you, Mr. Speaker. I know the last year we've -- MACA has done a good job promoting the Be Ready campaign which also included making sure that you have insurance available for your assets. We have staff, like the Pathfinders, who work with residents to make sure they have their documents or assist them in getting documents from insurance companies. So it's important that, you know, residents reach out and even just work with Pathfinders that are available to see what they need. So thank you, Mr. Speaker.

Thank you, Mr. Speaker. I'd like to recognize Elise Scott, chief governance officer with WSCC.

Mr. Speaker, I wish to table the following document: Workers' Safety and Compensation Commission Northwest Territories and Nunavut Annual Report 2023. Thank you, Mr. Speaker.

Thank you, Mr. Speaker. The issue of affordability is getting to be worse. It's not just -- you know, it used to be hard to get insurance for some folks, and now it's continuing to be harder and harder for most of us to get insurance for certain things. And that just relates to a lot of the disasters that have happened throughout Canada. You know, with the affordability, you know, there's documentation that's needed to show that it's not affordable for them to have insurance. You know, if you can't afford it, make sure you have that documentation so that it can help you in an event of...

Thank you, Mr. Speaker. Residents who are obtaining insurance must obtain documents from their insurance company to state that what their insurance covers. And I think it's important for all residents that, you know, we all look at our insurance documents. They're pretty thick, and I'm sure probably most of us here have never read the fine lines of the insurance documents. I know I have after the last couple years. But it's important to go through them and get the information you need out of your insurance documents. If you have documents that are showing that you're refused uncertain...

Mr. Speaker, the Workers' Protection Fund provides no-fault insurance coverage for employers and benefits and care for workers in events of workplace injury.

All employers share the cost of this compensation system by making payments based on their assessable payroll, which is the amount of earnings they report for each worker, and the group rate for their industry. Each year's assessment rate must generate enough revenue to cover all current and future costs associated with workplace injuries occurring in the assessment year, including health care, rehabilitation, and wage replacement benefits...

Mr. Speaker, I don't want to throw any communities under the bus here, but I will say that we have roughly about six communities -- I think a little bit more -- that are overfunded by -- by over 100 percent they're overfunded. And, again, the goal is not to impact the communities, but the goal is to distribute the funding fairly and equitably based on services provided, equipment being used, infrastructure within the community. So there is a little bit behind it. Again, we're trying to get the information out there, work with the communities, but it is over six communities that are overfunded...

Thank you, Mr. Speaker. So this review of the formula funding has been going on for a while. Before my time, it's been reviewed a few times. In 2014, it was part of the NWTAC who brought in all the community governments, did a review. They had representations from communities across the North as part of their review. That review was done. It was then decided that changes needed to start happening in order to make the funding more fair and equitable. And since August of this year, our regional superintendents have been meeting and offering to meet with community governments to explain the...

Thank you, Mr. Speaker. Currently, right now a lot of the communities can apply to MACA to get that cost covered. However, again, depending on the level of service, so for an example the city of Yellowknife was raised -- you know, you'll have a base level of service of having an FP1001 it's called, which is a base level training for career firefighters. In a small community, that would be really excessive for them and that's a very expensive cost, so you'd probably end up with something like a defensive level. So depending on the community is what the cost is going to be. It's hard to actually...