Notice of Default in Complying with the Corporations Tax Act

The Director has been notified by the Minister of Finance that the following corporations are in default in complying with the Corporations Tax Act.

Notice Is Hereby Given under subsection 241(1) of the Business Corporations Act, that unless the corporations listed hereunder comply with the requirements of the Corporations Tax Act within 90 days of this notice, orders will be made dissolving the defaulting corporations. All enquiries concerning this notice are to be directed to Ministry of Finance, Corporations Tax, 33 King Street West, Oshawa, Ontario L1H 8H6.

Date

Name of Corporation

Ontario Corporation Number

2010-06-26

Able Regional Towing & Recovery Inc.

000793244

2010-06-26

Altair Transport & Travel Ltd.

001695673

2010-06-26

B.T.E.P. Trading Co. Ltd.

001609175

2010-06-26

Barber Holdings Inc.

001477911

2010-06-26

Behruz Brewing Inc.

001686668

2010-06-26

Best Leather Tiles Inc.

002110228

2010-06-26

Biogenova Inc.

001585769

2010-06-26

Bull On The Run Inc.

001119517

2010-06-26

C.A.M.C. Bookeeping & Income Tax Services Inc.

000923389

2010-06-26

Cherished Scrapbooks Inc.

001454462

2010-06-26

Cordan Business Services Inc.

002111827

2010-06-26

Crazy Lee’s (Richmond Hill) Limited

000779953

2010-06-26

Daniel Wood Works Limited

001660540

2010-06-26

Degeneration Reversal Inc.

000688225

2010-06-26

Eini Real Estate Ltd.

000389913

2010-06-26

Emmanuel Transport Inc.

002065898

2010-06-26

Evolve Entertainment, Inc.

001580282

2010-06-26

First Canadian American Capital Corporation

002039725

2010-06-26

Geert Van Der Veen Fine Art Inc.

000400025

2010-06-26

Greenwin Environmental Inc.

002034425

2010-06-26

Herculean Educational Solutions Inc.

001628018

2010-06-26

Impulse Energy Canada Inc.

001665779

2010-06-26

Imsu Group Inc.

002100417

2010-06-26

Innerview Kitchen & Renovations Inc.

001595277

2010-06-26

Interworld Cleaning Supplies Inc.

001706609

2010-06-26

Intimoda Lingerie Inc.

001623688

2010-06-26

Itam Solutions Ltd.

001707551

2010-06-26

King View Lettuce Corporation

000584268

2010-06-26

Lakeridge Media Inc.

001709155

2010-06-26

Legacy Doors Inc.

001663000

2010-06-26

Little Empire Artistry & Designers Corp.

002103877

2010-06-26

Mar-Del Metal Products Inc.

002030609

2010-06-26

Marmora Investments Inc.

002110583

2010-06-26

Marquis Courier Service Inc.

001539112

2010-06-26

Mastermind Graphics&Printing Inc.

002073764

2010-06-26

Mcguire Hockey Inc.

001245003

2010-06-26

Mcminn Aggregates Inc.

001276586

2010-06-26

Merit It Consulting Inc.

001690339

2010-06-26

Micro Tek Systems Inc.

001202252

2010-06-26

Min Enterprises Inc.

001643310

2010-06-26

Mitchell Technologies Ltd.

000812241

2010-06-26

Mojogin Corporation

001683574

2010-06-26

Motipalace Inc.

001601414

2010-06-26

Northwind Investments Ltd.

000339829

2010-06-26

Omaa Development Corporation

000652153

2010-06-26

Onward Investments Limited

000443901

2010-06-26

P.A.S. Professional Audit Services Inc.

000992709

2010-06-26

Paramount Technologies Inc.

002065702

2010-06-26

Pentraco Ltd.

000339828

2010-06-26

Pushkin Private Academy Inc.

001606937

2010-06-26

Quadrafemme Incorporated

001636560

2010-06-26

Regnat Holdings Inc.

000637323

2010-06-26

Risk Diagnostics Inc.

001617748

2010-06-26

Shapesense Inc.

002035887

2010-06-26

Softek Computer Technologies Incorporated

002011949

2010-06-26

Spruce Forest Products Ltd.

001144934

2010-06-26

Sree Balaaji Management Inc.

002111695

2010-06-26

Sscg Enterprises Inc.

002042177

2010-06-26

Super Val-U Foods Ltd.

001216187

2010-06-26

T. J. Barratt Ltd.

000429164

2010-06-26

T.S.S. International Incorporated

001054725

2010-06-26

Techsentinel Inc.

002073065

2010-06-26

Tecumseh Metal Works Manufacturing Inc.

002115042

2010-06-26

The Publican’s House Limited

001601692

2010-06-26

The Seedy Group Inc.

001674051

2010-06-26

The Sun Factory Inc.

001419389

2010-06-26

Third And Fifth Financial Group Inc.

001665438

2010-06-26

Titan Flooring Ltd.

002030773

2010-06-26

Tom Rheaume Consulting Inc.

001120965

2010-06-26

Trium-Group Inc.

001487877

2010-06-26

United Property Holding Inc.

002071833

2010-06-26

Vista Advanced Technologies Inc.

002110867

2010-06-26

Vulcan Steel Detailing Inc.

001570871

2010-06-26

West-Steeles Developments Iv Inc.

000767089

2010-06-26

Winges Developments Limited

000663257

2010-06-26

1030121 Ontario Inc.

001030121

2010-06-26

1058596 Ontario Corp.

001058596

2010-06-26

1076701 Ontario Inc.

001076701

2010-06-26

1099261 Ontario Ltd.

001099261

2010-06-26

1114555 Ontario Inc.

001114555

2010-06-26

1124846 Ontario Limited

001124846

2010-06-26

1131337 Ontario Ltd.

001131337

2010-06-26

1138784 Ontario Inc.

001138784

2010-06-26

1159587 Ontario Inc.

001159587

2010-06-26

1198202 Ontario Limited

001198202

2010-06-26

1231064 Ontario Inc.

001231064

2010-06-26

1235693 Ontario Inc.

001235693

2010-06-26

1425976 Ontario Inc.

001425976

2010-06-26

1438248 Ontario Ltd.

001438248

2010-06-26

1458973 Ontario Ltd.

001458973

2010-06-26

1471456 Ontario Ltd.

001471456

2010-06-26

1492759 Ontario Inc.

001492759

2010-06-26

1516120 Ontario Limited

001516120

2010-06-26

1558741 Ontario Ltd.

001558741

2010-06-26

1582930 Ontario Inc.

001582930

2010-06-26

1592040 Ontario Inc.

001592040

2010-06-26

1615441 Ontario Ltd.

001615441

2010-06-26

1620503 Ontario Inc.

001620503

2010-06-26

1620511 Ontario Limited

001620511

2010-06-26

1629377 Ontario Limited

001629377

2010-06-26

1636858 Ontario Inc.

001636858

2010-06-26

1642776 Ontario Limited

001642776

2010-06-26

1659192 Ontario Ltd.

001659192

2010-06-26

1681160 Ontario Limited

001681160

2010-06-26

1695689 Ontario Ltd.

001695689

2010-06-26

2009019 Ontario Inc.

002009019

2010-06-26

2021796 Ontario Inc.

002021796

2010-06-26

2035983 Ontario Ltd.

002035983

2010-06-26

2038745 Ontario Incorporated

002038745

2010-06-26

2058403 Ontario Ltd.

002058403

2010-06-26

2068748 Ontario Inc.

002068748

2010-06-26

2071478 Ontario Limited

002071478

2010-06-26

2073366 Ontario Inc.

002073366

2010-06-26

2097669 Ontario Inc.

002097669

2010-06-26

2105705 Ontario Inc.

002105705

2010-06-26

2106276 Ontario Inc.

002106276

2010-06-26

2110612 Ontario Inc.

002110612

2010-06-26

894369 Ontario Ltd.

000894369

2010-06-26

925480 Ontario Ltd.

000925480

2010-06-26

946872 Ontario Limited

000946872

Katherine M. Murray
Director, Ministry of Government Services
(143-G316)

Cancellation of Certificate of Incorporation (Corporations Tax Act Defaulters)

Notice Is Hereby Given that, under subsection 241(4) of the Business Corporations Act, the Certificate of Incorporation of the corporations named hereunder have been cancelled by an Order for default in complying with the provisions of the Corporations Tax Act, and the said corporations have been dissolved on that date.

Date

Name of Corporation

Ontario Corporation Number

2010-05-31

Acrnum Inc.

002096566

2010-05-31

All-Way Plumbing Inc.

001692121

2010-05-31

Ambar Property Care Inc.

002095993

2010-05-31

Assessment Centres Network Inc.

002098592

2010-05-31

Atherton Kovacic Marketing Ltd.

001691024

2010-05-31

Aya Contracting & Trading Ltd.

002096694

2010-05-31

Bavany Transport Ltd.

002096505

2010-05-31

Bbws Torres Inc.

001691594

2010-05-31

Big City Squad Ltd.

001405929

2010-05-31

Billmar Construction Limited

002095879

2010-05-31

Bw&W Consulting Inc.

002095510

2010-05-31

Cafe Toulouse Inc.

002097660

2010-05-31

Cameo Trading Inc.

002098015

2010-05-31

Canex International Solutions Inc.

001691079

2010-05-31

Cdx Acquisition Corp.

001693664

2010-05-31

Countrywide Leslie & Associates Inc.

001266954

2010-05-31

Encon Controls Ltd.

002095738

2010-05-31

Ets Trading Ltd.

001693655

2010-05-31

European Arches & Shutters Inc.

001691195

2010-05-31

First Choice International Ltd.

001693524

2010-05-31

Frank Roy Consulting Inc.

001693595

2010-05-31

G Source Automotive Inc.

002095949

2010-05-31

Gold Line Fine Cars Inc.

002098514

2010-05-31

Greenwood International Inc.

001692004

2010-05-31

Higher Definition Inc.

002096813

2010-05-31

Homesource Ontario Ltd.

001691491

2010-05-31

International General Suppliers Ltd.

001395280

2010-05-31

Kavana Group Inc.

002096320

2010-05-31

Kysco Inc.

002097082

2010-05-31

Liquidation Discount 4:U Inc.

001691660

2010-05-31

Lnn Holdings Inc.

002096159

2010-05-31

Mambet Inc.

001566259

2010-05-31

Midnight Moon Associates Inc.

002097802

2010-05-31

Mitecc Inc.

000982920

2010-05-31

Morgan Metal Recyclers Ltd.

002097172

2010-05-31

National Guard And Patrol Security Inc.

001653143

2010-05-31

Noorstar Telecommunications Inc.

001694925

2010-05-31

Novo Tools And Moulds Inc.

002098319

2010-05-31

Over The Road Logistics Inc.

002096215

2010-05-31

Pencor Foods Inc.

001006297

2010-05-31

Primrose Landscaping Inc.

001693057

2010-05-31

R & B Investments Ontario Inc.

001691867

2010-05-31

Rafina Hardwood Floors Inc.

002096345

2010-05-31

Rana Nurseries & Produce Ltd.

001691164

2010-05-31

Rostrevor Ventures Fund Inc.

002095507

2010-05-31

Run 7 Enterprises Inc.

001693746

2010-05-31

Sahara Entertainment Group Inc.

002096522

2010-05-31

Sandhu Carriers Inc.

002004693

2010-05-31

Schlichter Transport Inc.

002096342

2010-05-31

Sci3 Holdings Inc.

002098440

2010-05-31

Security Boot Camp Inc.

001691470

2010-05-31

Seriously Screwed And Sanded Inc.

002096365

2010-05-31

Sibyl International Inc.

001693093

2010-05-31

Sinjul Nominees Limited.

001691109

2010-05-31

Skilton Kitchens Inc.

001109588

2010-05-31

Smbi Consulting Inc.

001686785

2010-05-31

Somerset Sales Inc.

001048651

2010-05-31

Springs Of Life Employment Services Inc.

001693114

2010-05-31

Stanley Transport Inc.

001692209

2010-05-31

The Realty Shoppe Limited

000342242

2010-05-31

Two Little Pickneys Inc.

001691420

2010-05-31

Untouchable Cleaners Inc.

001536718

2010-05-31

V & K Group Inc.

002097853

2010-05-31

Val Motors Ltd.

001691841

2010-05-31

Vitro Insulated Glass Limited

002096508

2010-05-31

Vivide Enterprise Inc.

002098357

2010-05-31

Wiki Concepts Inc.

002096582

2010-05-31

Woojung Canada Incorporated

001694908

2010-05-31

Yard Works Landscapes Ltd.

002098257

2010-05-31

1111905 Ontario Inc.

001111905

2010-05-31

1377174 Ontario Inc.

001377174

2010-05-31

1467696 Ontario Ltd.

001467696

2010-05-31

1469245 Ontario Limited

001469245

2010-05-31

1652652 Ontario Inc.

001652652

2010-05-31

1687560 Ontario Incorporated

001687560

2010-05-31

1687627 Ontario Ltd.

001687627

2010-05-31

1690058 Ontario Ltd.

001690058

2010-05-31

1691147 Ontario Inc.

001691147

2010-05-31

1691457 Ontario Inc.

001691457

2010-05-31

1691558 Ontario Limited

001691558

2010-05-31

1691760 Ontario Ltd.

001691760

2010-05-31

1691771 Ontario Inc.

001691771

2010-05-31

1691809 Ontario Inc.

001691809

2010-05-31

1691810 Ontario Inc.

001691810

2010-05-31

1691951 Ontario Limited

001691951

2010-05-31

1691977 Ontario Inc.

001691977

2010-05-31

1692008 Ontario Inc.

001692008

2010-05-31

1692022 Ontario Limited

001692022

2010-05-31

1692242 Ontario Limited

001692242

2010-05-31

1692248 Ontario Inc.

001692248

2010-05-31

1693154 Ontario Inc.

001693154

2010-05-31

1693499 Ontario Ltd.

001693499

2010-05-31

1693604 Ontario Inc.

001693604

2010-05-31

1900 Bayview Limited

002097086

2010-05-31

2F Steak House Inc.

001691441

2010-05-31

2024616 Ontario Limited

002024616

2010-05-31

2070250 Ontario Limited

002070250

2010-05-31

2095506 Ontario Limited

002095506

2010-05-31

2095907 Ontario Ltd.

002095907

2010-05-31

2096229 Ontario Limited

002096229

2010-05-31

2096475 Ontario Inc.

002096475

2010-05-31

2096678 Ontario Inc.

002096678

2010-05-31

2096683 Ontario Limited

002096683

2010-05-31

2096765 Ontario Inc.

002096765

2010-05-31

2097048 Ontario Inc.

002097048

2010-05-31

2097186 Ontario Inc.

002097186

2010-05-31

2097218 Ontario Inc.

002097218

2010-05-31

2097486 Ontario Limited

002097486

2010-05-31

2097654 Ontario Inc.

002097654

2010-05-31

2097677 Ontario Ltd.

002097677

2010-05-31

2097922 Ontario Inc.

002097922

2010-05-31

2098000 Ontario Inc.

002098000

2010-05-31

656553 Ontario Limited

000656553

2010-05-31

854032 Ontario Inc.

000854032

Katherine M. Murray
Director, Ministry of Government Services
(143-G317)

Certificate of Dissolution

Notice Is Hereby Given that a certificate of dissolution under the Business Corporations Act, has been endorsed. The effective date of dissolution precedes the corporation listings.

Date

Name of Corporation

Ontario Corporation Number

2010-05-19

T. Edward Stuckless Enterprises Limited

000370691

2010-05-19

1552074 Ontario Inc.

001552074

2010-05-19

1734476 Ontario Inc.

001734476

2010-05-19

932947 Ontario Limited

000932947

2010-05-20

Ed Oldford Construction Ltd.

000654529

2010-05-20

Kipata Inc.

002122820

2010-05-28

Pyramids Auto Sales Incorporated

001614856

2010-05-28

1619258 Ontario Inc.

001619258

2010-05-28

1688962 Ontario Inc.

001688962

2010-05-31

Apple Valley Homes Ltd.

002073041

2010-05-31

Apsley Tire Service Limited

001410791

2010-05-31

Bai & Associates Inc.

002146771

2010-05-31

Datascape Technologies Inc.

001026040

2010-05-31

Elspaul Holdings Inc.

000139210

2010-05-31

Envirofreighter Canada Ltd.

002146766

2010-05-31

Frank Mann Holdings Limited

000223845

2010-05-31

Heuvelholm Farms Inc.

000653556

2010-05-31

Insoft Professionals Inc.

000964364

2010-05-31

Jejen Home Care Inc.

001775097

2010-05-31

Mcknight Sales Inc.

001528095

2010-05-31

Milliard Capital Ltd.

001206429

2010-05-31

Moony’s Bites Ltd.

001787410

2010-05-31

Mynton Technology Inc.

001201981

2010-05-31

Oakland Park Rh Inc.

001233268

2010-05-31

Owl Films Limited

000357797

2010-05-31

Prem Taneja Associates Inc.

001634461

2010-05-31

Preston Paul & Associates Inc.

001361210

2010-05-31

Renfrew Wholesale Company Limited

000137268

2010-05-31

Rsd Internet Inc.

001424240

2010-05-31

Sheppard’s Life Centre Inc.

001709581

2010-05-31

Southlake Systems Inc.

000889659

2010-05-31

The Cedar Chest Ltd.

001256505

2010-05-31

True Serve Tire & Auto Service Ltd.

001255678

2010-05-31

Vanginhoven Construction Limited

000262044

2010-05-31

West Brant Iron & Metal Limited

000115038

2010-05-31

Xperience Plus Transport Inc.

001737915

2010-05-31

1035272 Ontario Inc.

001035272

2010-05-31

1066881 Ontario Limited

001066881

2010-05-31

1124899 Ontario Inc.

001124899

2010-05-31

1259772 Ontario Inc.

001259772

2010-05-31

1261158 Ontario Inc.

001261158

2010-05-31

1353561 Ontario Inc.

001353561

2010-05-31

1538332 Ontario Inc.

001538332

2010-05-31

1624460 Ontario Inc.

001624460

2010-05-31

1640504 Ontario Inc.

001640504

2010-05-31

1754113 Ontario Inc.

001754113

2010-05-31

1787364 Ontario Inc.

001787364

2010-05-31

2060447 Ontario Inc.

002060447

2010-05-31

2085177 Ontario Limited

002085177

2010-05-31

2184559 Ontario Inc.

002184559

2010-05-31

2190785 Ontario Limited

002190785

2010-05-31

333110 Ontario Limited

000333110

2010-05-31

428212 Ontario Limited

000428212

2010-05-31

499188 Ontario Limited

000499188

2010-05-31

750230 Ontario Limited

000750230

2010-05-31

915419 Ontario Limited

000915419

2010-06-01

Goodworld Enterprise Ltd.

001714592

2010-06-01

Hvorup Enterprises Inc.

001017053

2010-06-01

International Calendars & Millennium 2000Products Ltd.

001274196

2010-06-01

Lush Beverages Inc.

002090553

2010-06-01

Northview Industries Limited

000369966

2010-06-01

Oak Transportation Services Ltd.

001078939

2010-06-01

Power Deal Inc.

001695253

2010-06-01

Robin Hill, Inc.

001519196

2010-06-01

Shananigans Beanery Inc.

001554539

2010-06-01

Silverstone Canada Inc.

001621418

2010-06-01

Spectrumway Consulting Limited

001203590

2010-06-01

Winnex Import Inc.

001491967

2010-06-01

Yahia Trading Kingston Inc.

001178371

2010-06-01

1274771 Ontario Inc.

001274771

2010-06-01

2101599 Ontario Limited

002101599

2010-06-01

2183678 Ontario Inc.

002183678

2010-06-01

801744 Ontario Limited

000801744

2010-06-01

878505 Ontario Inc.

000878505

2010-06-02

Alternative Travel Agency Inc.

001043261

2010-06-02

Atl Automotive Systems Inc.

001317909

2010-06-02

Capco Environmental & Hydrostatic Testing Inc.

001528521

2010-06-02

Doppler Tile Ltd.

000730637

2010-06-02

Dr. Stephan C. Mostowy Medicine Professional Corporation

001645288

2010-06-02

Faith And Praise Inc.

001585339

2010-06-02

Iqc Tech Corp.

001600989

2010-06-02

Krista Transport Inc.

002084570

2010-06-02

Larry Nickerson Trucking Ltd.

000825492

2010-06-02

Maroon Bells Polo Inc.

001150632

2010-06-02

Panda Shoes Ontario Inc. Chaussures Panda Ontario Inc.

000582660

2010-06-02

Ref-Air Thermal Products Ltd.

001053841

2010-06-02

Rv-Jv Land Corporation

001199814

2010-06-02

Shutter Nonsense Inc.

002131456

2010-06-02

Toronto Eight At Eight Internet Corporation

001647249

2010-06-02

Tracey’s Kandy Korner Ltd.

000717702

2010-06-02

Virk Brothers Truck Repair Services Inc.

002136130

2010-06-02

1684111 Ontario Inc.

001684111

2010-06-02

2084901 Ontario Inc.

002084901

2010-06-02

2131557 Ontario Inc.

002131557

2010-06-02

2139548 Ontario Inc.

002139548

2010-06-02

268682 Ontario Limited

000268682

2010-06-02

723364 Ontario Inc.

000723364

2010-06-02

906354 Ontario Limited

000906354

2010-06-03

Bmbc Enterprises Inc.

002173518

2010-06-03

Bros.Mart Holdings Inc.

001196600

2010-06-03

Canada Jadeland International Ltd.

001548625

2010-06-03

Canada Metal Investments Limited

000705634

2010-06-03

Case-Pro Case Management Systems Inc.

002005223

2010-06-03

Easyhome Mortgages Inc.

002081792

2010-06-03

Edpo-V International Inc.

000717924

2010-06-03

Frato Rama Developments Inc.

002080716

2010-06-03

Gape Promotions & Consultant Ltd.

001632525

2010-06-03

Hair Removal & Laser Aesthetic Centre Inc.

001686450

2010-06-03

Howlee Furniture Inc.

001549701

2010-06-03

Jit Trucking Inc.

002055776

2010-06-03

Kai-Lee Inc.

001154486

2010-06-03

Kiru Travel Inc.

001686896

2010-06-03

Norman Jenkens Investments Limited

000686965

2010-06-03

R.J.’S Hair Studio Inc.

001576628

2010-06-03

Rally Energy Gulf Investments Ltd.

002209168

2010-06-03

Recall Records Canada Inc.

001685295

2010-06-03

Request Direct Hire Inc.

002080361

2010-06-03

Richardson Road Inc.

001577897

2010-06-03

Richardson Road No. 2 Inc.

001577902

2010-06-03

Sol Electronics Inc.

002035788

2010-06-03

1062924 Ontario Inc.

001062924

2010-06-03

1065065 Ontario Inc.

001065065

2010-06-03

1267831 Ontario Inc.

001267831

2010-06-03

1442559 Ontario Ltd.

001442559

2010-06-03

1494456 Ontario Inc.

001494456

2010-06-03

1530342 Ontario Limited

001530342

2010-06-03

1632943 Ontario Inc.

001632943

2010-06-03

1715662 Ontario Ltd.

001715662

2010-06-03

1763550 Ontario Inc.

001763550

2010-06-03

2004078 Ontario Inc.

002004078

2010-06-03

24 Colonnade Road Inc.

001534258

2010-06-03

807477 Ontario Limited

000807477

2010-06-03

813817 Ontario Limited

000813817

2010-06-03

823816 Ontario Inc.

000823816

2010-06-03

958764 Ontario Inc.

000958764

2010-06-03

977664 Ontario Inc.

000977664

2010-06-04

Atok Group Of Co. Ltd.

001620770

2010-06-04

Captiva Foods Ltd.

002118810

2010-06-04

Dccw International Trading Inc.

002158458

2010-06-04

Edr Construction Inc.

001752741

2010-06-04

Herbert Gerrish Inc.

002065071

2010-06-04

Hoken Trading Limited

000378272

2010-06-04

Ia Snacks Inc.

001722180

2010-06-04

Immediate Placement Network Inc.

001545995

2010-06-04

Jam Catering Corp.

001298676

2010-06-04

John Regina & Associates Ltd.

000559609

2010-06-04

L&A Forum Financial Inc.

001363772

2010-06-04

Lakeshore Wholesale Party Supplies Limited

000313522

2010-06-04

Les Entreprises Jacques Briere Inc.

000499979

2010-06-04

M.J.B. Construction Services Ltd.

000910360

2010-06-04

Meadowvale Acquisitions I Ltd.

001289566

2010-06-04

Minialoff Family Holdings Ltd.

000517720

2010-06-04

Mohawk Plaza Limited

000201086

2010-06-04

Ontariostar Aircraft Company Incorporated

000366878

2010-06-04

P&O Global Investments Inc.

001363773

2010-06-04

Peek-A-Boo-Tique (Port Dover) Ltd.

001195706

2010-06-04

The Mez Group Inc.

002203999

2010-06-04

1173592 Ontario Limited

001173592

2010-06-04

1244775 Ontario Limited

001244775

2010-06-04

1259591 Ontario Limited

001259591

2010-06-04

1365987 Ontario Limited

001365987

2010-06-04

1485243 Ontario Limited

001485243

2010-06-04

1691518 Ontario Inc.

001691518

2010-06-04

1738255 Ontario Ltd.

001738255

2010-06-04

2122168 Ontario Inc.

002122168

2010-06-04

2122983 Ontario Inc.

002122983

2010-06-04

2138439 Ontario Limited

002138439

2010-06-04

2202531 Ontario Inc.

002202531

2010-06-04

751449 Ontario Inc.

000751449

2010-06-07

A Tech Real Estate Development Inc.

000529855

2010-06-07

Ai J. Chen Importing Co. Ltd.

000436647

2010-06-07

Cruisedocktors Inc.

000979024

2010-06-07

Danbro Restaurant Equipment Representatives Ltd.

000403603

2010-06-07

Ho Won Restaurant Inc.

000923549

2010-06-07

Innovative Internet Products Inc.

002024913

2010-06-07

Kprm Solutions Inc.

001706738

2010-06-07

L. P. Holly Developments Inc.

001326083

2010-06-07

Orbtide Ltd.

002124477

2010-06-07

Sight & Scents Ltd.

002071627

2010-06-07

The Beer Man Inc.

001309960

2010-06-07

Tiger Force Labour Agency Inc.

001734034

2010-06-07

1096135 Ontario Inc.

001096135

2010-06-08

Alaira Inc.

002070550

2010-06-08

Northern Auto Supply Company Limited

001816186

2010-06-08

Polestar World Enterprises Inc.

000880421

2010-06-08

Slyfield Oshawa Ltd.

001534267

2010-06-08

T&T Flooring Inc.

002006817

2010-06-08

Verrall Holdings Inc.

001125892

2010-06-08

1161392 Ontario Ltd.

001161392

2010-06-08

1333787 Ontario Ltd.

001333787

2010-06-08

1715143 Ontario Ltd.

001715143

2010-06-08

1717187 Ontario Inc.

001717187

2010-06-08

2092562 Ontario Inc.

002092562

2010-06-08

2134702 Ontario Inc.

002134702

2010-06-08

539439 Ontario Inc.

000539439

2010-06-08

619213 Ontario Limited

000619213

2010-06-09

Curran Contracting Inc.

001664221

2010-06-09

Dmcc Tv Inc.

002044619

2010-06-09

Dualift Corp.

000539590

2010-06-09

Hamond Industries Limited

000095877

2010-06-09

Harry Yip Enterprise Corp.

002092542

2010-06-09

Hq Technologies Inc.

001151276

2010-06-09

Jati Trading Company Inc.

002117069

2010-06-09

Raval 611 Inc.

002059374

2010-06-09

Technical Welding Inc.

001342673

2010-06-09

1479350 Ontario Inc.

001479350

2010-06-09

2010314 Ontario Inc.

002010314

2010-06-09

2175131 Ontario Inc.

002175131

2010-06-09

55 Horner Ks Inc.

002078144

Katherine M. Murray
Director, Ministry of Government Services
(143-G318)

Notice of Default in Complying with the Corporations Information Act

Notice Is Hereby Given under subsection 241(3) of the Business Corporations Act that unless the corporations listed hereunder comply with the filing requirements under the Corporations Information Act within 90 days of this notice orders dissolving the corporation(s) will be issued. The effective date precedes the corporation listings.

Date

Name of Corporation

Ontario Corporation Number

2010-06-11

Bayard Capital Corporation

2171102

2010-06-11

Dpr Windsor Inc.

2114481

2010-06-11

Ed'S Purely Organic Lawn And Garden Products Ltd.

1655627

2010-06-11

Harpers Gardening Centre Ltd.

597052

2010-06-11

Rci - Store #1 Inc.

2002172

2010-06-11

Sani-Clean Systems Inc.

1376834

2010-06-11

Tires And More Inc.

662432

2010-06-16

Basement Systems Canada Inc.

1242437

2010-06-16

1340957 Ontario Inc.

1340957

Katherine M. Murray
Director
(143-G319)

Cancellation of Certificate of Incorporation (Business Corporations Act)

Notice Is Hereby Given that by orders under subsection 241(4) of the Business Corporation Act, the certificates of incorporation set out hereunder have been cancelled and corporation(s) have been dissolved. The effective date of cancellation precedes the corporation listing.

Date

Name of Corporation

Ontario Corporation Number

2010-06-09

J&C Flooring And Renovations Ltd.

1641205

2010-06-09

1760656 Ontario Inc.

1760656

2010-06-09

1773626 Ontario Limited

1773626

2010-06-09

1787662 Ontario Inc.

1787662

2010-06-11

Barrie Stars Limousine Services Inc.

2111363

2010-06-11

Broadbelt & Fonte Model Centre Inc.

887990

2010-06-11

Mccarda Holdings Inc.

384373

2010-06-11

New Stream Enterprises Inc.

465160

2010-06-11

Novus-Intersign Engineering Inc.

798265

2010-06-11

657413 Ontario Limited

657413

2010-06-14

Ultratech Tool & Gauge Inc.

1117651

2010-06-15

Cabana-Rama Inc.

1580977

2010-06-15

Mr. Fine Food (2004) Inc.

1631525

2010-06-15

1314364 Ontario Inc.

1314364

2010-06-15

1760443 Ontario Inc.

1760443

Katherine M. Murray
Director
(143-G320)

Cancellation for Cause (Business Corporations Act)

Notice Is Hereby Given that by orders under section 240 of the Business Corporation Act, the certificates set out hereunder have been cancelled for cause and in the case of certificates of incorporation the corporations have been dissolved. The effective date of cancellation precedes the corporation listing.

Date

Name of Corporation

Ontario Corporation Number

2010-06-11

A.L.C. Manufacturing Inc.

1058172

2010-06-11

Djp Systems Corporation

1012416

2010-06-11

Paul Kechnie Ford Sales Ltd.

706706

2010-06-11

Rich Top Flooring Inc.

1793663

2010-06-11

Toall Investments Inc.

2122368

2010-06-11

W. Lam Ltd.

1793598

2010-06-15

E-Mac Services Inc.

1683422

2010-06-15

Nouman Ahmed Inc.

1796479

2010-06-15

Raine Daze Investments Ltd.

1370219

2010-06-15

2017311 Ontario Inc.

2017311

2010-06-15

2024827 Ontario Limited

2024827

2010-06-15

2078248 Ontario Inc.

2078248

Katherine M. Murray
Director
(143-G321)

Cancellation for Filing Default (Corporations Act)

Notice Is Hereby Given that orders under Section 317(9) of the Corporations Act have been made cancelling the Letters Patent of the following corporations and declaring them to be dissolved. The date of the order of dissolution precedes the name of the corporation.

Date

Name of Corporation

Ontario Corporation Number

2010-06-11

Cross Cultural Community Centre

1792482

2010-06-15

Sudbury Cancer Support

1796865

Katherine M. Murray
Director
(143-G322)

Erratum Notice

Ontario Corporation Number 2128037

Vide Ontario Gazette, Vol. 142-19 dated May 9, 2009

Notice Is Hereby Given that the notice issued under section 241(4) of the Business Corporations Act set out in the May 9, 2009 issue of the Ontario Gazette with respect to Tech-Venture International Inc., was issued in error and is null and void.

Katherine M. Murray
Director
(143-G323)

Marriage Act

Certificate Of Permanent Registration as a person authorized to solemnize marriage in Ontario have been issued to the following:

June 7 - June 11

Name

Location

Effective Date

Turner, David Aleksander

Toronto, ON

10-Jun-10

Melby, Eric Kristian

Ottawa, ON

10-Jun-10

Cran, Juliet

Ottawa, ON

10-Jun-10

Park, Kenneth Andrew

Toronto, ON

10-Jun-10

Hawley, Randy

Kingston, ON

10-Jun-10

Skeete, Lionel

Mississauga, ON

10-Jun-10

Maiuri, Darla E

Keswick, ON

10-Jun-10

Punnoose, Chacko K

London, ON

10-Jun-10

Gilbert, Gloria Joyse

Kingsville, ON

10-Jun-10

Benson, Gillian Leigh

Toronto, ON

10-Jun-10

Newman, Judith

Toronto, ON

10-Jun-10

St-Laurent, Louis-Paul

Ottawa, ON

10-Jun-10

Montgomery, Anne

Ottawa, ON

10-Jun-10

Missaghi, Farshid M

Woodbridge, ON

10-Jun-10

Vafi, Rezvan

Woodbridge, ON

10-Jun-10

Denys, Jennifer Lyn

Parkhill, ON

10-Jun-10

Church, Lori

Orangeville, ON

10-Jun-10

Cullen, Robert

Minden, ON

10-Jun-10

South, Doreen K

Cornwall, ON

10-Jun-10

Smith, Levi Theophilus

Brampton, ON

10-Jun-10

Cassanova, Audrey

Scarborough, ON

10-Jun-10

Church, Timothy David

Georgetown, ON

10-Jun-10

Re-registrations

Name

Location

Effective Date

Stryker, John

Waterloo, ON

10-Jun-10

MacDonald, James

Moosonee, ON

10-Jun-10

Lobban, Donovan

Pickering, ON

10-Jun-10

Certificates Of Temporary Registration as person authorized to solemnize marriage in Ontario have been issued to the following:

June 7 - June 11

Date

Name

Location

Effective Date

August 12, 2010 to August 16, 2010

Biggar, Danny James

Sydney, NS

07-Jun-10

July 1, 2010 to July 5, 2010

Sampara, Kamal

Tantallon, NS

07-Jun-10

June 24, 2010 to June 28, 2010

Goldsmith, Daniel

Abbotsford, BC

07-Jun-10

June 10, 2010 to June 14, 2010

Overland, Jonathan L

Okotoks, AB

07-Jun-10

June 17, 2010 to June 21, 2010

McLeod, Donald Angus

Calgary, AB

07-Jun-10

July 1, 2010 to July 5, 2010

Beunk, Andrew E

Burnaby, BC

07-Jun-10

July 14, 2010 to July 18, 2010

Beunk, Andrew E

Burnaby, BC

07-Jun-10

July 29, 2010 to August 2, 2010

D'sa, Denis Alexander

Kankanady, Mangalore Karnataka

07-Jun-10

June 24, 2010 to June 28, 2010

Joseph, Johnykutty Kochuchira

Roma, Italy

07-Jun-10

July 1, 2010 to July 5, 2010

Francois, Jorel

Chelmsford, ON

07-Jun-10

July 22, 2010 to July 26, 2010

Francois, Jorel

Chelmsford, ON

07-Jun-10

August 26, 2010 to August 30, 2010

Francois, Jorel

Chelmsford, ON

07-Jun-10

June 17, 2010 to June 21, 2010

Mc Farlane, William Murdock

Beaconsfield, QC

07-Jun-10

July 29, 2010 to August 2, 2010

Mc Farlane, William Murdock

Beaconsfield, QC

07-Jun-10

July 9, 2010 to July 13, 2010

Springett, Judith

Hanover, ON

10-Jun-10

July 8, 2010 to July 12, 2010

Novak, Krunoslav

Rome, Italy

10-Jun-10

July 15, 2010 to July 19, 2010

Gannett, Ronald George

Birmingham, AL

10-Jun-10

September 29, 2010 to October 3, 2010

Gannett, Ronald George

Birmingham, AL

10-Jun-10

June 24, 2010 to June 28, 2010

Jansen, Paul Jacob

Rocky View, AB

10-Jun-10

September 10, 2010 to September 14, 2010

Matsugu, Ken

Scarborough, ON

10-Jun-10

August 12, 2010 to August 16, 2010

Barrett, Harry Bernard

Vancouver, BC

10-Jun-10

July 14, 2010 to July 18, 2010

Easterbrook, Ken

Vauxhall, AB

10-Jun-10

July 29, 2010 to August 2, 2010

Fletcher, Michael

Drumheller, AB

10-Jun-10

August 5, 2010 to August 9, 2010

Crosby, David Douglas

Corner Brook, NL

10-Jun-10

Certificate Of Cancellation Of Registration as a person authorized to solemnize marriage in Ontario have been issued to the following:

June 7 - June 11

Name

Location

Effective Date

Johnston, Jason

Jacksonville, KY

09-Jun-10

Agyeman, Philip

North York, ON

09-Jun-10

Gill, Todd

Brampton, ON

09-Jun-10

Williams, Octavia

Mississauga, ON

09-Jun-10

Thompson, Susan

Toronto, ON

09-Jun-10

King, Christine

London, ON

09-Jun-10

King, Micheal

London, ON

09-Jun-10

DeGrasperis, Joanne

Wasaga Beach, ON

09-Jun-10

Bland, Gregory T A

Lively, ON

11-Jun-10

Vos, Daniel

Emo, ON

11-Jun-10

Warmington, Paul

Ottawa, ON

11-Jun-10

Watton, Joseph G

Bradford, ON

11-Jun-10

Elertson, Michael John

Mississauga, ON

11-Jun-10

Judith M. Hartman,
Deputy Registrar General
(143-G324)

Financial Services Commission of Ontario

June 2010

Superintendent’s Guideline No. 02/10

Minor Injury Guideline

  1. Introduction

    This Guideline is issued pursuant to section 268.3 of the Insurance Act for the purposes of the Statutory Accident Benefits Schedule - Effective September 1, 2010 (Sabs).

    As required by section 268.3 (2) of the Insurance Act, this Guideline shall be considered in any determination involving the interpretation of the Sabs.

    For the purposes of this Guideline, the terms “injury” and “injuries” have the same meaning as “impairment” and “impairments” respectively as used in the Sabs, and “regulated health professional” and “health practitioner” have the same meanings as in the Sabs.

    This Guideline is effective for any Treatment Confirmation Form (Ocf-23) submitted on behalf of an insured person or when the insurer has waived the requirement for an Ocf-23, in respect of an accident that occurred on or after September 1, 2010.

    The Pre-approved Framework Guideline for Grade I and Ii Whiplash Associated Disorders (Superintendent’s Guideline No. 02/09) remains in effect for Treatment Confirmation Form (Ocf-23) forms that are submitted on behalf of an insured person, or when an insurer has waived the requirement for a Treatment Confirmation Form (Ocf-23) form, in respect of an accident that occurred before September 1, 2010.

    The objectives of this Guideline are to:

    1. Speed access to rehabilitation for persons who sustain minor injuries in auto accidents;
    2. Improve utilization of health care resources;
    3. Provide certainty around cost and payment for insurers and regulated health professionals; and
    4. Be more inclusive in providing immediate access to treatment without insurer approval for those persons with minor injuries as defined in the Sabs and set out in Part 2 of this Guideline.

    Consistent with these objectives, this Guideline sets out the goods and services that will be paid for by the insurer without insurer approval if provided to an insured person who has sustained a minor injury.

    This Guideline is focused on the application of a functional restoration approach, in addition to the provision of interventions to reduce or manage pain or disability.

    The Sabs and this Guideline are intended to encourage and promote the broadest use of this Guideline, recognizing that most persons injured in car accidents in Ontario sustain minor injuries for which the goods and services provided under this Guideline are appropriate.

    Usage of the Guideline by all stakeholders will be monitored on an ongoing basis, with a view to early identification and response to inappropriate application or interpretation of the Sabs and the Guideline.

  2. Definitions

    This Guideline is focused on the application of a functional restoration approach in the management of minor injuries in the acute and sub-acute phases of the injury.

    For the purposes of this Guideline:

    1. minor injury means a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae. This term is to be interpreted to apply where a person sustains any one or more of these injuries.
    2. sprain means an injury to one or more tendons or ligaments or to one or more of each, including a partial but not a complete tear.
    3. strain means an injury to one or more muscles, including a partial but not a complete tear.
    4. subluxation means a partial but not a complete dislocation of a joint.
    5. whiplash injury means an injury that occurs to a person’s neck following a sudden acceleration-deceleration force.
    6. whiplash associated disorder means a whiplash injury that:
      1. does not exhibit objective, demonstrable, definable and clinically relevant neurological signs, and
      2. does not exhibit a fracture in or dislocation of the spine.
    7. Functional restoration refers to an approach in which the health practitioner is oriented toward function and to the delivery of interventions that help the insured person to reduce or manage his/her pain and associated psycho-social symptoms. Interventions are focused on what the insured person needs to do in order to function at his/her pre-accident level in his/her home and work environment. The insured person is assessed to determine the level of current functioning relative to these critical demands and any functional limitations that have arisen as a result of the injury. The interventions delivered by the health practitioner or by regulated health professionals coordinated or supervised by the health practitioner are then designed to address these areas of limitation such that the individual will be able to maintain and/or resume normal activities at home and at work.
    8. Recommended interventions refers to interventions that are ideally provided each time the insured person attends the health practitioner’s clinic.
    9. Discretionary interventions refers to interventions that are provided at the discretion of the health practitioner based upon the specific needs of the insured person. These interventions should not be interpreted to be less important in the treatment of the insured person.
  3. Impairments that come within this Guideline

    Subject to the exception in Section 4 below, an insured person’s impairment comes within this Guideline if the impairment is predominantly a minor injury.

  4. Impairments that do not come within this Guideline

    An insured person’s impairment does not come within this Guideline if the insured person’s impairment is predominantly a minor injury but, based on compelling evidence provided by his or her health practitioner, the insured person has a pre-existing medical condition that will prevent the insured person from achieving maximal recovery from the minor injury if he or she is subject to the $3,500 limit referred to in section 18(1) of the Sabs or is limited to the goods and services authorized under this Guideline.

    Compelling evidence should be provided using the Treatment and Assessment Plan (Ocf-18) with attached medical documentation, if any, prepared by a health practitioner.

    The existence of any pre-existing condition will not automatically exclude a person’s impairment from this Guideline. It is intended and expected that the vast majority of pre-existing conditions will not do so.

    Only in extremely limited instances where compelling evidence provided by a health practitioner satisfactorily demonstrates that a pre-existing condition will prevent a person from achieving maximal recovery from the minor injury for the reasons described above is the person’s impairment to be determined not to come within this Guideline. Exclusion of a person from this Guideline based on reasons or evidence falling short of this requirement is inconsistent with the intent of the Sabs and this Guideline.

  5. Providers able to deliver services within this Guideline

    Providers who are able to deliver services within this Guideline are any health practitioners, as defined by the Sabs, who are authorized by law to treat the injury and who have the ability to deliver the interventions referred to in this Guideline. The health practitioner may also co-ordinate or directly supervise the provision of services to the insured person by other appropriate health care providers.

  6. Changing health practitioners within this Guideline

    Where insured persons under this Guideline decide to change their health practitioner, the new health practitioner will inform the insurer, who will advise the health practitioner as to what services have already been provided under the Guideline. The health practitioner will then resume delivery of Guideline services. Payment to the new health practitioner will be limited to the balance of the remaining services under this Guideline.

  7. The initial visit

    1. Timing of the initial visit

      The initial visit will ideally occur as soon as possible following the date of accident and health practitioners are encouraged to commence intervention during the initial visit.

    2. Components of the initial visit

      1. Assessment

        In assessing the insured person, the health practitioner will be responsible for:

        • Undertaking a history, including, but not limited to: demographics;

          prior injuries; current injury.

        • Completing a physical examination, including, but not limited to:

          range of motion determination; neurological examination; assessment of associated injuries.

        • Reviewing and documenting functional status and psychosocial risk factors associated with the injury including, but not limited to: changes in functional status; psycho-social issues; other risk factors or barriers to recovery. It is understood that the review and documentation of functional status and psycho-social risk factors is within the scope of practice of the health practitioner and does not involve a formal psychological assessment. While it is recommended that the health practitioner employ standardized tools and instruments in the review of functional status and psychosocial risk factors, the specific tools used are left to the discretion of the individual health practitioner.
        • Identifying the diagnosis and/or impairment description, including: the

          Primary Diagnosis/Impairment Description (Icd 10 Codes); and the Secondary Diagnosis/Impairment Description (Icd 10 Codes).

        • Obtaining and recording the insured person’s informed consent to treatment.
        • Reviewing the completed Treatment Confirmation Form (Ocf-23) with the insured person and obtaining the insured person’s signature on the Form unless the insurer has waived the requirement for the form.
      2. Recommended interventions during the initial visit

        The interventions that are recommended during the initial visit include:

        • Activity prescription

          Encouraging the insured person, when appropriate, to remain active and maintain normal activities as an important factor in facilitating recovery.

        • Reassurance

          Providing reassurance, when appropriate, to the insured person regarding his/her injuries and the recovery process.

        • Education

          Distributing the brochure “Getting the Facts About Whiplash” (attached as Appendix A), when appropriate, and providing education regarding minor injuries, symptoms, the natural healing process and prognosis for recovery.

        • Home exercise program

          Demonstrating and providing advice, when appropriate, on how the insured person should exercise his/her injury; and customizing an exercise program for the insured person to engage in at home, work or school.

      3. Discretionary interventions during the initial visit

        At the discretion of the health practitioner, and to facilitate the insured person’s recovery and return to function, these include:

        • Exercise and functional activities

          The interventions should be based on the specific needs and functional requirements of the insured person and may include: range of motion exercises; muscle re-education; and low load isometric exercise.

        • Mobilization and manipulation

          The health practitioner may provide these interventions if the insured person would benefit from mobilization and/or manipulation.

        • Diagnostic imaging

          X-rays may be undertaken without the prior approval of the insurer under the following circumstances:

          • The fees charged do not exceed those listed in Appendix C and any available funding from Ohip or collateral insurance is utilized before the insurer is charged;
          • No other comparable x-rays have been taken by another health practitioner or facility since the accident; and
          • The insured person displays one or more of the following:
            • Suspicion of a bony injury;
            • Suspicion of degenerative changes, instability or other conditions of sufficient severity that counter indications to one or more interventions must be ruled out;
            • Suspicion of rheumatoid arthritis;
            • Suspicion of osteoporosis; or
            • History of cancer.
        • Other interventions that facilitate pain management, activation and return to function

          If the insured person would benefit from other specific interventions to facilitate pain management, activation and return to function, these interventions may be provided during the initial or subsequent visits. These may include, but are not limited to: massage therapy; intervention for psycho-social issues; coping skills education; advice regarding hurt versus harm and maintaining active engagement; energy conservation techniques; etc.

    3. Recommendations for intervention at the conclusion of the initial visit and Documentation/Invoicing

      The health practitioner will determine which of the following statements describes the recommendations for intervention at the conclusion of the initial visit:

      1. No additional intervention is required. The health practitioner submits an Auto Insurance Standard Invoice (Ocf-21) for the initial visit.
      2. Additional interventions as described in this Guideline are required and are appropriate as described in Part 3 of this Guideline (i.e., the insured person’s impairment comes within the Guideline). The health practitioner completes the Ocf-23 and submits it to the insurer within 10 business days of the initial visit unless the insurer has waived this requirement. The health practitioner will complete and submit the Ocf-21.
      3. Additional intervention is required but is not appropriate under this Guideline as described in Part 4 of this Guideline (i.e. the insured person’s impairment does not come within the Guideline). The health practitioner either completes and submits the Ocf-18 providing compelling evidence of the pre-existing medical condition that prevents the insured person from achieving maximal recovery or makes an appropriate referral. The health practitioner submits an Ocf-21 for the initial visit.

    4. Fee for the initial visit (see Appendix B - Fee Schedule)

      The fee that will be paid for the initial visit is $215.00, inclusive of all assessment and intervention services provided during the initial visit, regardless of the amount or type provided. This fee also includes completion of the Ocf-23.

  8. The treatment phase

    If the health practitioner determines that the Guideline applies to the insured person and that intervention under the Guideline is required to facilitate recovery and return to function, the insured person continues on to the treatment phase.

    1. Timing and duration in the treatment phase

      The treatment phase sessions are treatments provided in addition to any intervention delivered during the initial visit and will not typically exceed twelve weeks in duration following the date of the initial visit. The appropriate health care provider will deliver treatment sessions based on the needs of the insured person and the health practitioner’s clinical judgement.

    2. Components of the treatment phase

      Recommended and discretionary interventions

      1. Recommended interventions during the treatment phase
        • Continuing clinical review

          Regular review of the insured person’s clinical status and progress toward functional restoration, based on which the health practitioner will make any necessary modifications in the approach to intervention.

        • Activity prescription; Reassurance; Education; and Home Exercise

          Program (as described above under the initial visit)

      2. Discretionary interventions during the treatment phase
        • Exercise and functional activities; Mobilization and manipulation (as described above under the initial visit)
        • Pain management and coping skills education

          If the insured person is displaying signs of distress or difficulties coping with the effects of his/her injury, the health practitioner may introduce pain management and coping skills education (a standardized approach is recommended).

        • Diagnostic imaging (as described above under the initial visit)
        • Other Interventions that will facilitate pain management, activation and return to function (as described above under the initial visit)

      Treatment blocks

      1. Block 1

        During the first four-week block of treatment (beginning immediately following the initial visit), the health care practitioner is expected to provide or oversee the interventions established through the Ocf-23 from the initial visit.

        If the insured person reaches maximal recovery during this period, he or she is discharged from the Guideline (see part (e) of this section). If the insured person requires additional intervention(s), the health practitioner continues treatment under Block 2.

        The fee for this period is $775.00 for treatment or $200.00 to provide monitoring services under part (c) of this section, but not both.

      2. Block 2

        During the second four-week block of treatment, the health care practitioner is expected to provide or oversee the interventions established through the Ocf‑23, if applicable, and/or will continue any additional intervention(s) established in Block 1.

        If the insured person reaches maximal recovery during this period, he or she is discharged from the Guideline (see part (e) of this section). If the insured person requires additional intervention(s), the health practitioner continues treatment under Block 3.

        The fee for this period is $500.00 for treatment or $200.00 to provide monitoring services under part (c) of this section, but not both.

      3. Block 3

        During the final four-week block of treatment, the health care practitioner is expected to provide or oversee the interventions established through the Ocf‑23, if applicable, and/or will continue any additional intervention(s) established in Block 1 and/or Block 2.

        If the insured person reaches maximal recovery during this period, he or she is discharged from the Guideline (see part (e) of this section). If the insured person requires additional intervention(s) beyond Block 3, the insured person must submit an Ocf-18 to the insurer.

        The fee for this period is $225.00 for treatment or $200.00 to provide monitoring services under part (c) of this section, but not both.

      1. Monitoring by health practitioner

        The health practitioner may provide guidance, advice, coaching, counselling and or reassurance to the insured person in lieu of the treatment provided in any of the Blocks. A fee for this intervention is not payable if treatment under Block 3 has commenced.

        Provision of the monitoring intervention is conditional on the following requirements:

        1. the monitoring is provided within 12 weeks of the initial visit;
        2. the insured person is determined to have reached maximal recovery and no longer requires further treatment;
        3. the insured person has resumed some or all of his or her pre-accident activities (e.g., work, home, school, etc.); and
        4. no treatment or further monitoring is provided under subsequent Block(s).

        The fee for this service is $200.00.

      2. Supplementary goods and services during the treatment phase

        Additional funds are available to provide supplementary goods and additional services to support restoration of functioning and address barriers to recovery. The supplementary goods and services may include but are not limited to:

        • Treatment services for the additional minor injuries arising from the same accident.
        • Goods required for self-directed exercise and/or pain management such as, but not limited to: theraband; gym ball; hot/cold packs; Obus Forme back support; lumbar roll; etc.
        • Assistive devices required to maintain/return to work/school/home or personal activity such as but not limited to: head set; trolley; braces.
        • Supportive interventions such as advice/education to deal with accident-related psycho-social issues, such as but not limited to: distress; difficulties coping with the effects of his/her injury; driving problem/stress.

        The health practitioner, a regulated health professional or an appropriate health care provider may provide the supplementary goods and/or services that are deemed necessary, up to a maximum cost of $400.00, without approval of the insurer.

      3. Discharge status during or at the conclusion of the treatment phase and Documentation/Invoicing

        The health practitioner will determine which of the following statements describes the insured person’s status when discharged during or at the conclusion of the treatment phase and provide documentation as required:

        1. No additional intervention is required
          • Submit the Minor Injury Guideline Discharge Report (Ocf-24) with all the relevant sections completed and include functional and employment status.
          • Submit an Ocf-21C to bill for the goods and services delivered during this phase.
        2. Additional intervention outside this Guideline is required
          • Submit the Ocf-24 with the relevant sections completed and include functional and employment status.
          • Submit an Ocf-21C to bill for the goods and services delivered during this phase.
          • Inform the insurance company of the intervention outside of this Guideline that is recommended for the insured person via submission of an Ocf-18 or refer the insured person to another health practitioner, as appropriate.
        3. The insured person has been discharged from treatment under this Guideline because he/she is non-compliant, is not attending sessions or voluntarily withdrew from treatment
          • Submit the Ocf-24 with the relevant sections completed and include functional and employment status.
          • Submit an Ocf-21C to bill for the goods and services delivered during this phase.
      4. Fees for the treatment phase (see Appendix B - Fee Schedule)

        The block fees that will be paid during the treatment phase are $775.00 for weeks 1-4, $500.00 for weeks 5-8, and $225.00 for weeks 9-12.

        The maximum fee for supplementary goods and services under this Guideline is $400.00. The transfer fee, if an insured person changes his/her health practitioner is $50.00, payable to the health practitioner receiving the file.

Appendix A

Getting the Facts about Whiplash Brochure*
Getting the facts about Whiplash: Grades I and II

People injured in car accidents sometimes experience a strain of the neck muscles and surrounding soft tissue, known commonly as whiplash. This injury often occurs when a vehicle is hit from the rear or the side, causing a sharp and sudden movement of the head and neck. Whiplash may result in tender muscles (Grade I) or limited neck movement (Grade II). This type of injury is usually temporary and most people who experience it make a complete recovery. If you have suffered a whiplash injury, knowing more about the condition can help you participate in your own recovery. This brochure summarizes current scientific research related to Grade I and II whiplash injuries.

Understanding Whiplash
  • Most whiplash injuries are not serious and heal fully.
  • Signs of serious neck injury, such as fracture, are usually evident in early assessments. Health care professionals trained to treat whiplash are alert for these signs.
  • Pain, stiffness and other symptoms of Grades I or II whiplash typically start within the first 2 days after the accident. A later onset of symptoms does not indicate a more serious injury.
  • Many people experience no disruption to their normal activities after a whiplash injury. Those who do usually improve after a few days or weeks and return safely to their daily activities.
  • Just as the soreness and stiffness of a sprained ankle may linger, a neck strain can also feel achy, stiff or tender for days or weeks. While some patients get better quickly, symptoms can persist over a longer period of time. For most cases of Grades I and II whiplash, these symptoms gradually decrease with a return to activity.
Daily Activity and Whiplash
  • Continuing normal activities is very important to recovery.
  • Resting for more than a day or two usually does not help the injury and may instead prolong pain and disability. For whiplash injuries, it appears that "rest makes rusty."
  • Injured muscles can get stiff and weak when they're not used. This can add to pain and can delay recovery.
  • A return to normal activity may be assisted by active treatment and exercises.
  • Cervical collars, or "neck braces," prevent motion and may add to stiffness and pain. These devices are generally not recommended, as they have shown little or no benefit.
  • Returning to activity maintains the health of soft-tissues and keeps them flexible - speeding recovery. Physical exercise also releases body chemicals that help to reduce pain in a natural way.
  • To prevent development of chronic pain, it is important to start moving as soon as possible.
Tips For Return To Activity
  • Avoid sitting in one position for long periods.
  • Periodically stand and stretch.
  • Sit at your workstation so that the upper part of your arm rests close to your body, and your back and feet are well supported.
  • Adjust the seat when driving so that your elbows and knees are loosely bent.
  • When shopping or carrying items, use a cart or hold things close to the body for support.
  • Avoid contact sports or strenuous exercise for the first few weeks to prevent further injury. Ask your health care professional about other sporting or recreational activities.
  • Make your sleeping bed comfortable. The pillow should be adjusted to support the neck at a comfortable height.
Treating Whiplash
  • Research indicates that successful whiplash treatment requires patient cooperation and active efforts to resume daily activity.
  • A treating health care professional will assess your whiplash injuries, and discuss options for treatment and control of pain.
  • Although prescription medications are usually unnecessary, temporary use of mild over-the-counter medication may be suggested, in addition to ice or heat.
  • Your treating health care professional may recommend appropriate physical treatment.
Avoiding Chronic Pain
  • Some whiplash sufferers are reluctant to return to activity, fearing it will make the injury worse. Pain or tenderness may cause them to overestimate the extent of physical damage.
  • If your health care professional suggests a return to activity, accept the advice and act on it.
  • Stay connected with family, friends and co-workers. Social withdrawal can contribute to depression and the development of chronic pain.
  • If you are discouraged or depressed about your recovery, talk to your health care professional.
  • Focus on getting on with your life, rather than on the injury!
Preventing Another Whiplash Injury
  • Properly adjusting the height of your car seat head restraint (head rest) will help prevent whiplash injury in an accident. In an ideal adjustment, the top of the head should be in line with the top of the head restraint and there should be no more than 2 to 5 cm between the back of the head and the head restraint.

This brochure provides general information about whiplash injuries. It does not replace advice from a qualified health care professional who can properly assess a whiplash injury and recommend treatment.

The information highlights the latest available scientific research on whiplash and has been endorsed by the following groups:

Insurance Bureau of Canada (Ibc)
Ontario Chiropractic Association (Oca)
Ontario Massage Therapist Association (Omta)
Ontario Physiotherapy Association (Opa)
Ontario Society of Occupational Therapists (Osot)

*This brochure was originally released in 2003 and is available at www.ibc.ca.

Appendix B

Minor Injury Guideline Fee Schedule
 

Interventions

FEE

1
  • Initial visit (1 session)

$215.00

2
  • Treatment phase (up to 12 weeks post-accident)
    • Block 1 (weeks 1-4)
    • Block 2 (weeks 5-8)
    • Block 3 (weeks 9-12)

$775.00

$500.00

$225.00

3
  • Health practitioner monitoring (Refer to section 8.(c) of this Guideline for conditions)

$200.00

4
  • Completion of Minor Injury Discharge Report (Ocf-24) (payable once at discharge)

$85.00

5
  • Supplementary goods and services

To an aggregate maximum of $400.00

6
  • Transfer fee if insured person changes health practitioner

$50.00

7
  • X-Ray fee

See Appendix C

Appendix C

Payment Schedule for X-Rays
 

Description

FEE

1

Cervical Spine

  • 2 or fewer views
  • 3 - 4 views
  • 5 - 6 views
  • more than 6 views

$36.80

$43.91

$50.19

$59.22

2

Thoracic Spine

  • 2 or fewer views
  • 3 - 4 views

$34.34

$45.20

3

Lumbar or Lumbosacral Spine

  • 2 or fewer views
  • 3 - 4 views
  • 5 - 6 views
  • more than 6 views

$36.80

$43.91

$50.19

$58.40

(143-G326E)

Financial Services Commission of Ontario

Statement Of Priorities

June 2010

Introduction

The Financial Services Commission of Ontario (FSCO) is a regulatory agency established under the Financial Services Commission of Ontario Act, 1997 (FSCO Act).

Section 11 of the FSCO Act requires that FSCO publish in The Ontario Gazette and deliver to the Minister of Finance by June 30 of each year a statement setting out the proposed priorities of the Commission.

This is FSCO’s thirteenth Statement of Priorities. The statement is part of a three-year strategic planning process that allows FSCO to develop appropriate strategies to meet changing economic and marketplace conditions. As an agency of the Ministry of Finance, FSCO’s strategic priorities are developed as part of government-wide planning and reflect broader government priorities.

To fulfill its mandate, FSCO has adopted a culture of partnership and dialogue with the Ministry of Finance, consumers, pension plan beneficiaries and other stakeholders. FSCO interacts with and updates its stakeholders as needed during the year through formal consultations and other communications channels. These strong working relationships help to further inform and refine FSCO’s activities.

This Statement of Priorities outlines FSCO’s strategic goals for the 2010-11 fiscal year and notes recent progress on significant projects. It includes a summary of environmental factors that were considered in setting the direction of these initiatives and a report-back section listing FSCO’s accomplishments in the previous year.

Many projects undertaken by FSCO are complex, involving many participants and require implementation in conjunction with federal and provincial jurisdictions. For this reason, some initiatives may span several years, with work continuing on an ongoing basis.

FSCO in Profile

FSCO is comprised of: the five-member Commission, the Superintendent of Financial Services and staff. FSCO regulates insurance, pension plans, loan and trust companies, credit unions and caisses populaires, mortgage brokerages and administrators and co-operative corporations in Ontario.

FSCO has a well-established and effective relationship with the Ministry of Finance, the ministry responsible for overseeing the activities of the agency. FSCO works with the Ministry to implement changes to legislation and regulations that have been identified as priorities by the Ministry and the government. FSCO also makes recommendations to the Minister on matters affecting the regulated sectors.

As of March 31, 2010, FSCO licensed or registered:

365 insurance companies
8,300 pension plans
186 credit unions and caisses populaires
56 loan and trust companies
1,346 mortgage brokerages
2,812 mortgage brokers
8,342 mortgage agents
83 mortgage administrators
1,630 co-operative corporations
43,224 insurance agents
4,275 corporate insurance agencies
1,510 insurance adjusters

Our Mandate

To provide regulatory services that protect the public interest and enhance public confidence in the regulated sectors.

Our Vision

To be a progressive and fair regulator working with its stakeholders to support a strong financial services sector.

Our Values

Organizations reflect the shared values of their members. FSCO employees are committed to the values set out below.

Professionalism Strive to achieve the highest standards of behaviour, competence and integrity in our work.

Fairness Strive to deal with stakeholders in an even-handed manner and demonstrate fairness in the workplace.

Equity Strive to balance the interests of the public, including consumers and regulated stakeholders.

Accountability Ensure that the policies and objectives of the provincial government are upheld.

Excellence Strive to do the best in everything FSCO does.

Respect Value and treat individuals with respect and dignity in everything FSCO does.

Teamwork Work together as a team in serving consumers, the government and stakeholders.

In addition to following its own set of values, FSCO employees also adhere to the core values of the Ontario Public Service, including collaboration, creativity, diversity, efficiency, responsiveness and trust.

Current Environment and Approach

One of FSCO’s key roles is to make recommendations to the Minister of Finance relating to financial services regulation in order to keep the regulatory system current. To fulfill this mandate and set effective organizational priorities, FSCO takes into consideration external factors influencing the financial services industry. The following factors were considered in setting the direction of the initiatives contained in this
year’s statement.

Uncertain Economic Conditions

Like many jurisdictions around the world, Ontario continues to face significant economic challenges. The financial and economic crisis that emerged in the fall of 2008 highlighted the increasingly interdependent relationships that exist between the various financial services sectors. The crisis brought to bear broad economic pressures that have had a negative impact on sectors of the financial services industry, including insurance, pension plans and lending institutions.

While the Ontario economy continues to face a challenging and uncertain global economic environment, financial markets have begun to stabilize, and equity and housing markets have improved. Consumer confidence is improving and sales of financial services products continue to recover. Recent economic output numbers in the U.S. and Canada are showing an improvement, however, the global economy remains vulnerable to a number of risks that could adversely affect future growth.

The cyclical nature of financial markets, coupled with the unpredictability of market conditions has made it especially difficult to forecast changes in the regulated sectors. It is therefore critical for FSCO to remain vigilant and flexible in the current economic environment. At FSCO, our focus is on market conduct and prudential regulation of the pension sector, while protecting consumers in the marketplace. Increases in the number of complaints we receive, growth in the demand for mediation services and sudden financial product changes are important indicators. They serve as market conduct risk rating mechanisms, providing evidence of potential problems in the marketplace.

Focused Regulatory Approach

The Ontario government is moving forward with automobile insurance and pension reform and has brought into force modernized legislation and regulations that encourage competition and enhance consumer protection in the credit union and mortgage broker sectors. To support these government priorities, FSCO has identified automobile insurance reform, pension regulatory services, and mortgage broker compliance as key focus areas. Work in these areas will be carried out along with FSCO’s core responsibilities in the regulated sectors.

In November 2009, the Ontario government announced a package of reforms to automobile insurance in Ontario. The reforms are based on recommendations provided by the Superintendent’s Five-Year Automobile Insurance Review report, as well as feedback received from dozens of insurance industry, health care, legal, consumer and stakeholder groups.

The reforms that will take effect September 1, 2010, will streamline processes for insurers and health care providers, create a less complex auto insurance system, and protect consumers while giving them more choice to buy coverage that best meets their insurance needs and budgets. FSCO is working closely with industry stakeholders and the Ministry of Finance to educate drivers about the new choices available to them when purchasing or renewing auto insurance policies.

Ontario is proposing to strengthen and modernize the employment pension system to help pension plans adapt to economic changes while balancing the need for benefit security. Building on recommendations from the Ontario Expert Commission on Pensions (Oecp), the government has introduced the Pension Benefits Amendment Act, 2009. FSCO has identified a number of opportunities for enhancing its pension regulatory services in support of the government’s commitment to pension reform that are detailed in the key initiatives section of this document. The goal of these initiatives is to make FSCO a more effective and efficient regulator and to develop broader frameworks for communicating with and collecting input from pension stakeholders.

FSCO continues to support the regulatory regime brought about by the enactment of the Mortgage Brokerages, Lenders and Administrators Act, 2006 (Mblaa) and associated regulations. In addition to its continuing efforts to educate mortgage broker stakeholders and consumers about the act, FSCO is closely monitoring compliance with the act and regulations. Administrative penalties are a new enforcement option provided under the new legislation and FSCO continues to improve its efforts in this area.

Ontario continues to modernize its business and financial sector regulation to maintain a regulatory climate that reflects global market standards and is attractive to business. A responsive, modern regulatory framework protects consumers and investors while supporting a healthy and competitive marketplace. FSCO’s focus on auto insurance, pensions, and mortgage brokers is a reflection of current government priorities related to the regulation of these sectors.

Partnership and Quality Service

FSCO is committed to providing quality service to all its clients, stakeholders and customers and continuously improving its efforts in this area. FSCO is also committed to complying with the mandatory Customer Service Regulation enacted under the Accessibility for Ontarians with Disabilities Act, 2005 (Aoda). As part of this compliance, FSCO conducts business for both the public and staff in a way that respects the independence, dignity, integration and equality of people with disabilities. FSCO continues to review and improve service delivery to ensure equal access for all stakeholders and the public.

To effectively achieve its regulatory goals, it is essential that FSCO have strong working relationships with stakeholders. Keeping the lines of communication open helps FSCO gain a thorough understanding of stakeholders in the sectors it regulates and the issues they face. This knowledge is used to inform efforts to serve the regulated sectors better, while at the same time, advancing FSCO’s mandate to protect the public interest and enhance public confidence in the regulated sectors and support a healthy financial services marketplace.

To this end, FSCO reaches out to stakeholders through participation in industry events and face-to-face meetings. Over the past year, these relationships have grown even stronger as FSCO worked with stakeholders to meet the challenges brought about by the global financial and economic crisis. FSCO also supports the development of harmonized regulatory solutions through active participation in a number of national regulatory organizations.

As a modern regulator, FSCO conducts business with industry electronically and offers a variety of information to consumers online. Technology continues to play an important role in helping FSCO provide high-quality service to stakeholders and the public. In keeping with FSCO’s commitment to providing modern, efficient and streamlined services, further improvements are planned for FSCO’s website and online licensing, rate filing and registration systems.

FSCO’s Strategic Priorities

To achieve its goals, FSCO is guided by established strategic priorities. These priorities build on FSCO’s core regulatory responsibilities to administer the laws and regulations governing the activities of the regulated sectors.

The priorities are:

  • Conduct FSCO’s activities in accordance with risk-based principles
  • Continuous improvement in the delivery of our services
  • Foster a coordinated national approach to regulatory issues

FSCO believes these strategic priorities and their associated initiatives, which are outlined on the following pages, will have a positive impact on consumers, pension plan beneficiaries and industry stakeholders.

FSCO recognizes that many financial services providers have had to streamline their businesses and curtail their expenditures. FSCO is guided by funding principles that strive to provide value-for-money to stakeholders and ensure the delivery of efficient, high-quality services. Consistent with FSCO’s funding principles, we have adopted the expenditure restraint measures that have been identified by the provincial government.

FSCO’s Strategic Priorities and Our Focus Areas

The following section lists FSCO’s key focus areas and their associated initiatives. Work in these areas will be carried out along with FSCO’s core responsibilities in the regulated sectors.

  • Support automobile insurance reform

FSCO is engaged in the following activities in support of the government’s automobile insurance reform in Ontario. These initiatives address FSCO’s strategic priorities to conduct its activities in accordance with risk-based principles and continually improve the delivery of its services.

  • Implement the Ontario government’s announced package of automobile insurance reforms to provide consumers with more choice, create a less complex automobile insurance system and ensure automobile insurance in Ontario remains affordable and readily available for consumers. Closely monitor the reforms post implementation, in particular the effectiveness of the minor injury cap, and make recommendations to the Minister necessary to maintain rate stability.
  • Work with the Ministry of Finance and the insurance sector to ensure that the choices available to drivers following the implementation of the Ontario government’s auto insurance reforms are clearly understood.
  • Work with the General Insurance Statistical Agency (Gisa) to confirm data requirements to assist with market monitoring, rate analysis and estimates of the impact of policy changes on auto insurance products.
  • Conduct review of profit provisions for auto insurance to ensure rates for Ontario automobile insurance are fair.
  • Utilize the findings published in 2008 by the World Health Organization’s Neck Pain Task Force to expand the Minor Injury Guideline to provide a more comprehensive continuum of care for those injured in auto accidents.
  • Conduct a study of closed automobile insurance claims to understand the factors contributing to cost changes and create an up-to-date framework for projecting the impact of auto insurance product design or system changes.
  • Appoint a panel of experts to recommend changes to the definition of catastrophic impairment in the Statutory Accident Benefits Schedule (Sabs) and develop minimum standards setting out the training and experience required for assessors of catastrophic impairment.
  • Review all automobile accident claims forms with the aim of simplifying forms for use by claimants, insurance companies and health care providers, expediting the process of applying for benefits and reducing transaction costs.
  • In conjunction with health care providers and the insurance industry, develop industry-wide delivery standards for third party medical examinations and qualifications for assessors.
  • Improve the auto insurance filing approval process by enhancing the functionality and reporting capability of the existing case management system.
  • Streamline service delivery and improve automated dispute resolution case management systems.
  • Modernize and strengthen Ontario’s pension system

FSCO has identified the following opportunities for improving its pension regulatory services in support of the government’s commitment to pension reform. These initiatives support FSCO’s strategic priority to conduct its activities in accordance with risk-based principles and continually improve the delivery of its services.

  • Develop a comprehensive approach to risk-based regulation of pension plans to optimize regulatory oversight and protection of benefits for pension plan members and other beneficiaries.
  • Work with the Canadian Association of Pension Supervisory Authorities (Capsa) to develop guidelines related to the “prudent person rule” and its application to assets and liabilities of pension plans so that stakeholders have the means to review plan policies and practices to measure them against best practices.
  • Procure the services of administrators for pension plans of insolvent employers to prevent delays in administrator appointments and safeguard beneficiaries’ benefits.
  • Develop and host information sessions for pension plan administrators to raise awareness of legislative requirements and promote compliance.
  • Develop and implement an online pension portal which will provide information to plan administrators and other parties and allow online submission of plan filing documents.
  • Develop electronic records management for electronic storage and retrieval of pension documentation ensuring completeness of regulatory files and provide enhanced access to information for external and internal stakeholders.
  • Publish an Inquiries and Complaints report, which will summarize the inquiries received by FSCO and also report on FSCO’s performance in addressing these inquiries.
  • Review the pensions section of FSCO’s website to identify opportunities to enhance outreach to pension stakeholders and provide information about pension matters in a more effective and efficient manner.
  • Improve compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006

The activities listed below are intended to enhance consumer protection in the mortgage brokering industry and improve compliance with the act and regulations. They support FSCO’s strategic priority to conduct its activities in accordance with risk-based principles.

  • Review Continuing Education needs for life insurance agents, mortgage agents and brokers to ensure consumers are served by intermediaries with up-to-date skills.
  • Enhance risk-based monitoring, examination and enforcement activities to promote industry compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006 and associated regulations. Activities include: errors and omissions insurance audits of brokerages, education audits, and reviewing mortgage administrators and brokerages compliance with the standards of practice.
  • Update computer technology to integrate licensing and risk assessment systems and to improve related stakeholder services.
  • Foster a coordinated national approach to regulatory issues

In addition to the key focus areas identified for the fiscal year, FSCO continues to support the development of harmonized regulatory solutions through participation in the Joint Forum of Financial Market Regulators (Joint Forum), the Canadian Association of Pension Supervisory Authorities (Capsa), the Canadian Council of Insurance Regulators (Ccir), the Canadian Insurance Services Regulatory Organizations (Cisro), the General Insurance Statistical Agency (Gisa) and the Canadian Automobile Insurance Rate Regulators (Carr). In 2009, regulators of mortgage brokerages from across Canada decided to work together through a new association, the Canadian Mortgage Broker Regulators Group, to enhance effective and efficient regulation of the sector. FSCO also participates in annual meetings to discuss national issues related to the co-operative corporations and credit unions sectors.

FSCO is participating with these national organizations as a member of and in some cases as lead of, committees and project teams that are mandated to undertake the following initiatives which represent key projects. Additional information related to the activities of these organizations is available on their respective websites.

Joint Forum

  • Examine the responsibilities of investment product manufacturers, intermediaries and consumers to ensure consumers are offered suitable products and are able to make informed decisions.
  • Develop mechanisms to allow for more effective sharing of information on regulatory enforcement issues and actions across sectors and jurisdictions.

Capsa

  • Develop plans for implementation of a proposed new agreement to establish clear rules for the administration and regulation of multi‑jurisdictional pension plans.
  • Examine issues related to the application of the “prudent person” rule, giving consideration to both the assets and liabilities of pension plans to enhance protection for pension plan beneficiaries.

Ccir

  • Review, with Cisro, the regulation of managing general agencies, wholesale agencies and insurance adjusters to identify and address risks to consumers, regulatory gaps, and legislative and regulatory barriers.
  • Review and examine the issues and options around the use of credit scoring models in underwriting and other ways insurers use data from credit rating agencies.

Carr

  • Finalize implementation of harmonized rate profiles in filings submitted by insurers to regulators.
  • Continuous improvement in the delivery of our services
  • Ensure compliance with the Ops Service Directive and the Accessibility for Ontarian’s with Disabilities Act, 2005 (Aoda) and the Customer Service Regulation 429/07. FSCO will create a Customer Service Commitment statement and common service standards for posting on its website. Additional work will be done in 2010 on service charters as well as Aoda.
  • Upgrade the Motor Vehicle Accident Fund (Mvacf) case management system to ensure the efficient delivery or services to people injured in automobile accidents who are seeking compensation through the fund.
  • Work with the Ministry of Finance and the co-operative sector to identify opportunities to streamline the regulatory regime under which co-operatives currently operate in Ontario.
  • Continue to work with the Ministry of Finance, the Deposit Insurance Corporation of Ontario and credit unions and caisses populaires to support their transition to the new modernized regulations for the sector.

Report Back on Key Initiatives from 2009

FSCO’s Statement of Priorities includes a report on the progress of key initiatives identified in the previous year’s statement and their intended benefits to stakeholders and the regulatory system.

Many of FSCO’s initiatives are complex, span several years and involve various partners, such as industry associations, national organizations of regulators, and the federal and provincial governments. Where work continues on these initiatives, FSCO is only reporting back on milestones that have been achieved from the 2009 Statement of Priorities.

  • Conduct FSCO’s activities in accordance with risk-based principles
  • Enhanced the functionality of the current pension database to provide expanded pension plan information and introduce electronic filing for selected applications and filings. Plan administrators can now submit their Annual Information Returns quickly and securely, in an electronic format.
  • Continued to work on the enhancement of auto insurance regulatory data as a member of Gisa. Gisa’s mandate is to collect and make available statistical information to support a healthy, accessible and responsive marketplace for property and casualty insurance.
  • Established a protocol for the processing and payment of Sabs claims by Mvacf and subsequent recovery of Mvacf costs from the auto insurance industry in the event of an insolvent insurer. The protocol will help to ensure compensation for people injured in automobile accidents when no automobile insurance exists to respond to the claim.
  • Monitored the implementation of the International Financial Reporting Standards (Ifrs) to support a smooth and effective transition to the new standard and ensure financial reporting that is transparent, enforceable and understandable. FSCO launched an online portal which provides information to the sectors regarding the adoption of Ifrs and continues to observe the adoption of Ifrs by the external regulated sectors.
  • Worked with the Ministry of Finance and FSCO stakeholders to implement changes to the current automobile insurance system arising from the Ontario government’s announced auto insurance reforms. FSCO established a stakeholder committee to provide advice and oversee reforms to the automobile insurance system identified as part of the review. The proposed reforms streamline a number of processes for insurers and health care providers, creating a less complex auto insurance system, while protecting consumers and giving them more choice to buy coverage that best meets their insurance needs and budgets.
  • Moved toward implementing point of sale disclosure for Individual Variable Insurance Contracts (IVICs, also known as segregated funds) to ensure consumers are provided with easy to understand information on the risks and benefits of these investment products at time of purchase.
    • Continuous improvement in the delivery of our services
  • Enhanced the Pension Database System to improve the tracking of pension plan members’ inquiries to ensure pension plan beneficiaries receive timely and accurate responses to inquiries and/or complaints.
  • Reviewed the application process and implemented performance measures to improve front-line regulatory services for defined benefit pension plans.
  • Identified opportunities to enhance stakeholder engagement in FSCO’s pension policy development process. FSCO met with its five advisory committees and its newly-established pension plan administrator advisory committee. FSCO has committed to expanded involvement of its pension advisory committees on an ad hoc basis to engage with stakeholders on topics related to pension policy development.
  • Worked with automobile insurance stakeholders to make the filing approval process more efficient, effective and transparent. Updates were made to Arctics, FSCO’s web-based filing system to make it more user friendly and new filing guidelines and benchmarks were posted on FSCO’s website. A newsletter was also launched to keep stakeholders up to date on filing issues and activities.
  • Worked with the Ministry of Finance and FSCO stakeholders to develop regulations to provide temporary solvency relief for pension plans and change the rules for locked-in retirement savings accounts. These measures strengthened the pension system by helping plan sponsors weather the economic crisis and enhance transparency and pension benefit security for plan members.
  • Provided input to the Ministry of Finance as it developed legislation to support the pension reform package announced by the Minister of Finance in 2009. The reforms build on the recommendations of the commission to strengthen and modernize the employment pension system and address the needs of pensioners, plan members and sponsors.
  • Implemented regulatory changes following the proclamation of amendments to the Credit Unions and Caisses Populaires Act, 1994. This work was carried out in cooperation with the Deposit Insurance Corporation of Ontario (Dico). The amendments modernize and streamline regulations for credit unions and caisses populaires, providing the sector with increased flexibility and encouraging competiveness.
  • In conjunction with the Ministry of Finance, identified opportunities to streamline the regulatory regime under which co-operatives currently operate through the co-operative sector liaison committee. A number of housekeeping and good government-related amendments to the Co-operative Corporations Act were included in Bill 218, the Ontario Tax Plan for More Jobs and Growth Act, 2009. FSCO and the Ministry of Finance continue to work with Ontario co-operative corporations to develop the act and regulation amendments.
    • Foster a coordinated approach to regulatory issues

FSCO continued to work with other Canadian regulators in coordinating regulation of the financial services industry at the national level through the following activities.

Joint Forum

  • Research was conducted on the responsibilities of investment product manufacturers, intermediaries and consumers to ensure that consumers are offered suitable products and are able to make informed decisions. A research report with recommendations on stakeholder consultations and next steps was prepared for consideration by the Joint Forum.
  • A research report on the existing practices of regulators in communicating information on enforcement issues and actions was prepared for presentation to the Joint Forum.

Ccir

  • Encouraged the insurance industry to develop and implement sound governance practices, standards and guidelines within their organizations. The Ccir Standards of Practice Standing Committee, chaired by FSCO, reviewed and commented on standards and guidelines submitted by industry organizations.
  • Completed the national expansion of a complaint data reporting system based on the system developed for the Autorité des marchés financiers (Amf) and FSCO to support a risk-based approach to regulation. FSCO and AMF launched the national complaint data reporting system on July 1, 2009.

Capsa

  • Finalized a proposed new agreement to establish clear rules for the administration and regulation of multi‑jurisdictional pension plans, which was released by the Capsa on June 30, 2009. Capsa also approved and released the final version of a Commentary Guide to accompany the proposed new agreement on November 30, 2009.
  • Capsa’s Prudent Investment and Funding Committee, which FSCO chairs, released a paper on key areas of prudence related to the investment of pension plan assets and pension plan funding for stakeholder consultation.

The Financial Services Tribunal

The Financial Services Tribunal is an independent, adjudicative body composed of nine to 15 members (12 members as of March 1, 2010), including the chair and the two vice-chairs of the commission. It is established under section 6 of the FSCO Act.

The Tribunal has exclusive jurisdiction to exercise the powers conferred under the FSCO Act and other acts that confer powers on or assign duties to the Tribunal. It also has exclusive jurisdiction to determine all questions of fact or law that arise in any proceeding before it.

As well, the Tribunal has authority to make rules for the practice and procedure to be observed in a proceeding before it, and to order a party to a proceeding before it to pay the costs of another party or the Tribunal’s costs of the proceeding.

For the year ahead, the Tribunal has identified the following priorities:

  • Continue to ensure that appropriate expertise is available and allocated to staff panels appointed to hear Tribunal matters, including the retention of qualified experts and the provision of supplementary training.
  • Increase focus on dialogue with members of the legal profession who deal with the Tribunal primarily through consultation with the Tribunal’s recently reconstituted legal advisory committee.
  • Identify and update Tribunal practices and procedures to facilitate the Tribunal’s processes or which may require revision to reflect recent legislative or regulatory changes (including the Adjudicative Tribunals Accountability, Governance and Appointments Act, 2009) or recent case law relevant to adjudicative tribunals.

Conclusion

This statement details FSCO’s proposed initiatives and projects for 2010 and provides a report back on key initiatives from 2009. Throughout the development of these priorities, we recognize our responsibility and commitment to our stakeholders to exercise care and to be accountable for the use of resources entrusted to us.

FSCO continues to benefit from strong partnerships with stakeholders to achieve its objectives. We look forward to working with our many partners in the upcoming fiscal year to achieve our objectives and support a healthy, competitive financial services marketplace in Ontario.

Philip Howell
Chief Executive Officer
Financial Services Commission of Ontario and Superintendent of Financial Services

John Solursh
Chair
Financial Services Commission of Ontario and Chair, Financial Services Tribunal

Appendix A - Strategic Map

Title: Table: Strategic Map - Description: Table presented as a strategic map that reveals the vision, priorities, strategies and initiatives

(143-G327E)