1. Morale and Welfare Presentation to (date)
Commodore Mark B. Watson
DGMWS 1

2. Agenda Introduction Organization and background Vision
Programs, services, and initiatives

3. Defence Team – Morale & Welfare
Approximately 4,000 “Staff of the Non-Public Funds, Canadian Forces”
Number increases due to casual employment, esp. in summer
1,781 full time, 777 part time, 1,004 casual, temporary staff
42% CAF affiliation (Retired and/or Family)
206 Canadian Armed Forces members
153 National Defence public servants
1,000 at Military Family Resource Centres (locally employed)
Plus many, many volunteers

4. Defence Team – Morale & Welfare
CFMWS 4,000 to 5,000 Employees Canadian Coast Guard Canadian Security Intelligence Service (CSIS) Citi Bank Nav Canada
4,500
3,311
5,000

5. Organizational View

6. NPP Governance Full governance assigned to CDS
Authorities delegated to DGMWS as Managing Director of NPP
NPP Board serves as an advisory board:
Provides stakeholder input to CDS
Strategic plans, policies and direction
NPP investments
Approval of audited financial statements
NPP Board and AFC engagement is key
NPP is a “Chain of Command” responsibility

7. Operational Funding
$4.09M
(FY 14/15)

8. NPP / Public Financial Components

9. One Community, One Million Strong
My Vision
Make CFMWS one of the strongest military Morale and Welfare organizations in the Western world by providing programs that provide widest possible benefits to the greatest number of serving and former service personnel and their families:
One Community, One Million Strong

10. One Community, One Million Strong
Serving Members (Reg. & Res.)
130K
Families of Serving Members
144K
Former Members
595K
Dependants of Former Members
350K
Other Eligible Members
150K
1 MILLION
>

11. Morale and Welfare Services Directory
Answers one simple question: What services are available to YOU?
View the full catalogue of CFMWS services that may benefit you and follow the links to learn more.
Choose the description that best matches you from the list of categories.
Visit:

12. PSP by the numbers Fitness Recreation and Speciality Interest
94,527 FORCE evaluations (as of 31 March 2014)
8 Regional Adapted Fitness Specialists supporting over 500 JPSU clients
Human Performance
1,534 CAF Personnel took part in the development and validation of FORCE
Nearly 5,000 surveys administered to better understand what could help CAF Personnel get more active
Health Promotion
3,900 courses offered
23,600 participants
Sports
Over 20,000 Intersection sport competitors
91 Regional competitions – 3,500+ competitors
18 National competitions – 1,800 competitors
Recreation and Speciality Interest
6,000+ Recreation activities
100,000+ Recreation participants
325 DND facilities involved
Messes
175 Reg Forces Messes
280 Res Forces Messes
Newspapers
250,000 readers
85,000 copies distributed
Golf
14 locations across Canada
Community Gateway Website
139,000+ monthly visits
328,000+ page views

13. PSP – FORCE
Visit:

14. Proposed Reactive Interface and Mobile Site
PSP – DFIT.CA
Proposed Reactive Interface and Mobile Site
(Coming in Fall 2015)
Focus on fitness required for operations
Exercise Prescription for FORCE Evaluation

15. PSP Specialty Interest Activities
Access to:
Golf: 14 locations across Canada and 7 social clubs using civilian courses
Marinas and Sailing: 8 locations
Campgrounds & Cabins: 5 locations
Rod and Gun Clubs: 7 locations across Canada
Horseback Riding: 4 locations across Canada
Curling: 7 locations across Canada
Skeet Shooting: 5 locations across Canada

16. Commercial Services SISIP Financial
A Holistic approach to Financial Services
Term life insurance plans – No exclusions for war, dangerous occupations, hobbies, volunteer activities or sports: 139,971 lives insured under SISIP plans ($29.307B in coverage, $43.3M paid to beneficiaries);
Long Term Disability (LTD) – Includes the Vocational Rehabilitation Program (VRP): 92,465 members protected under LTD ($176.75M paid out when combined with the VRP)
Accidental Dismemberment Insurance Plan – Covers injuries or illness attributable to military service;
SISIP Travel Insurance – 10% savings to all eligible members for emergency medical coverage, trip cancellation, baggage protection, 24/7 assistance and much more;
Financial Planning – Personalized recommendations, investment advice to assist clients in achieving their financial goals. As of 30 April 2015:
7,926 FundEX clients, Money Under Management (MUM) – $378.5M
3,045 Group Retirement Savings Plan clients, MUM – $136.8M
251 Canadian Armed Forces Savings Plan members, contributing $292K per year, since NOV 2014;
Financial Counselling – Free, confidential support providing solutions for various financial issues, access to loans, grants and other Support Our Troops programs; and
Personal Financial Management Education – Courses for recruits and officer cadets.

17. Commercial Services SISIP Financial
Comparative costs:
SISIP Financial
Industry Standard
Financial Planning
(No commission)
No fee option since JAN 2015
$6 - $12/month (depending on rank), includes e-filing one basic income tax return
Approximately $100/hour 1 or 1% - 3% of assets under management2
$59 for one basic income tax return3
Financial Counselling
(Confidential)
Free
Approximately $1204 / session or enrollment
Fee of 15% of total debt + monthly charge of $50 + cancellation fee5
Term Life Insurance
($100,000 in coverage / 25 year old male / non-smoker)
$6/month
Varies $11 - $13 /month6
1 CBC News (April 2012) / MoneySense Magazine (October 2012)
2 moneysense.ca – Where to find a fee-only Financial Planner
3 H&R Block
4 Credit Canada
5 debtfreesolutions.ca – Consumer Credit Counselling sample contract
6 Compulife Software Inc.

18. Commercial Services SISIP Financial
Life insurance plan advantages:
SISIP Financial
Industry Standard
No exclusion for war risk
May be excluded or declined
No exclusions for dangerous occupations, hobbies, volunteer activities and/or sports
Some or all may be excluded or increase in premium
Less stringent medical underwriting
Lengthy medical required
No medical required to convert insurance after release (If done within 60 days of release)
Not available
Includes Accidental Dismemberment clause
Cost to purchase
Free coverage for Dependent Life of $10,000

19. Commercial Services CANEX
CANEX.ca launched (2014)
Operates 39 Outlets on Bases/Wings across Canada
10 Retail
8 SuperMarts (2 with petroleum)
18 ExpressMarts (5 with petroleum)
2 Grocery
1 LiquorMart
Sales of $130M in FY 13/14
Over 3.95M customer transactions annually
180 Concessions offering additional goods/services

20. Commercial Services CANEX
CANEX.ca – Delivering a consistent and familiar shopping experience
Featuring Pride of Association Kit Shop merchandise, Military affinity products & programs and brand name merchandise with extended aisle (certain categories)
Free shipping (with exceptions) and flexible options
Soon to be available the “CANEX No Interest Credit Plan”
Mobile friendly
TACTIX Boutiques with Kit Shops and Pride of Association merchandise
Elite line of clothing and accoutrements
No Interest Credit Plan:
12, 24 or 36 month plans (No money down, not even the taxes), 12 month payment plan: no hidden handling or administration fees (24 months: 2% ; 36 months: 3%)
National vendor partnerships:
Tim Hortons, ARAMARK (Food Services), OK Tire, Pizza Pizza, Subway

21. Commercial Services CANEX
Tim Hortons Kiosks: A partnership for 20 years – with 19 new locations to roll out over the coming years
The Personal Home & Auto Insurance: Coverage that fits your way of life.
Home: All policies include $5K coverage for military kit; $3K coverage for personal belongings while deployed outside Canada. Military Renters coverage for DND controlled quarters
Auto: Accident-Free Protection, Loyalty Savings (up to 7%), Winter Tire Discount (5% off premium), Students Rates, RV’s and more
Portability: If you should move, are transferred or retire within Canada
Home Heating Oil Rebate Program: Discounts on regular delivered price of home heating oil – Participants save up to 8 cents per litre

22. Joint Personnel Support Unit (JPSU)
Mission
Through an integrated and individual-centric service delivery model, to ensure the coordination and facilitation of standardized, high quality, consistent personal and administrative support during all phases of recovery, rehabilitation, and reintegration on return to service or transition following release, for all injured and ill Canadian Armed Forces personnel and former personnel, their families and the families of the deceased.
Ottawa

23. Joint Personnel Support Unit (JPSU)
24 Integrated Personnel Support Centres across Canada:
Personnel support through multi-disciplinary staff and linkages to VAC, SISIP Financial, PSP, MFRC and Base/Wing agencies
Responsive to Commanding Officers
Return to Duty Program: Total accumulated Return to Duty is 1474 personnel. To date, 334 personnel have been returned to full time duty, and 828 personnel have been assisted in their transition. National Return to Duty averages: approximately 22% (FY )
Casualty Administration and Advocacy: Home adaptations/special needs equipment, vehicle adaptations, home assistance ; Assistance through Funds
Peer Support: Operational Stress Injury Social Support (OSISS), Soldier On, Injured Soldier Network, Helping Others by Providing Empathy (HOPE)
Outreach & Education: Average 100 briefings a month across the country, training of approx 1,100 Designated Assistants per year 23 23

24. Joint Personnel Support Unit (JPSU)
Personnel currently being tracked by JPSU
Posted to JPSU
1,678
Supported by JPSU (but not posted)
4,144
Total
5,822 24

25. Transition Services
National Coordination of all Career Transition activities:
Second Career Assistance Network seminars,
Medical seminars, Long Term Planning seminars
Career Transition Workshops
Transition support and programs specific to ill & injured,
Publications/tools that support transition counselling.
Liaise with other organizations: VAC, ESDC, PS Commission, SISIP-LTD & VRP, Industry, Academia, Accreditation bodies and others.
Canada Company – Military Employment Transition (MET) Program A one-stop self-directed web-portal for all things related to transition for serving and retired military members. Serving as a bridge between business and community leaders and the CAF/VAC. Includes Corporate Canada employers, Entrepreneurship, Education, Franchising opportunities and transition tools for members and employers.
137 Military Friendly employers, such as Amazon, BMO Financial Group, CN, Coca-Cola Canada, Royal Bank of Canada, Shell Canada, Sobeys Inc., Suncor Energy, Etc.

26. Transition Services
Prince’s Charities-Operation Entrepreneur: Based In Business (BIB) with Memorial University, Enactus and Canadian Youth Business Foundation
Prospect: Work: Sustainable Job Placement Pilot Project
H2H: Helmets to Hardhats
Association of Canadian Community Colleges (ACCC)
The Canadian Franchise Association: Military Veterans Program
Forum for International Trade Training (FITT)
In addition to previously mentioned programs and services, the following are specifically for ill and injured members of the Reg and Res force:
Vocational Rehabilitation Program – Serving Members (VRPSM)
Priority Hiring – Public Service
Integrated Transition Plan

27. National Military Cemetery
Serving and Former Regular Force and Primary Reserve Members
One additional family member allowed in plot
May apply for entry without further obligation
Pre-arrangement services available

28. Military Family Services
To contribute to the well-being of military families, enabling a mission-ready force that protects Canadians and Canadian interests across the country and around the world.
Military Family Services manages:
Military Family Services Program, including funding and oversight of Military Family Resource Centres
Family Information Line and
Children’s Education Management – education compensation and benefit entitlements, access to Canadian Armed Forces overseas schools and guidance counseling services

29. Military Family Services
Support for serving members (Regular and Reserve) and their families who face issues that arise due to conditions of service (i.e. mobility, separation, risk)
Mental health support
Child care
Access to health care
Spousal employment
Community integration
Transition support
Education transitions
Special needs of loved ones

30. Military Family Services
Military Family Resource Centres – On Base, In Person
32 in Canada, with programs and services in the United States and Europe
Third party, non-profit organizations located on Bases/Wings/Units or through outreach programs
Provide services in both official languages
Family Information Line (FIL) – Informed, Connected and Supported
– Now 24/7 service, confidential, bilingual, information and supportive counselling
1,553 calls made to the FIL, 1,427 calls to the automated system that has deployment information (2014)
– For and about Canadian military families
A portal to all MFRCs for local information, useful general information of interest to all Canadian military families
396,182 visits to the FamilyForce site (2014)

31. Military Family Members (2014)
CANADA
52,413 families
115,320 family members
62,907 children
-3.9% change,
EUROPE
438 families
1,162 family members
29.5% children
USA
662 families
1,228 family members
53.6% children
Nb: Stats do not include several populations which fall within MFS population served, including children over 19 years, parents of CAF personnel and relatives.

32. Support Our Troops Programs
Military Families Fund
> 2,000 members annually receive individual/program support
Soldier On Fund
Physical fitness supported for > 1,000 ill/injured members
Hospital Comforts Fund
~300 serving members annually receive support in hospital
Operation Santa Claus
Deployed members (~2,600) receive a holiday gift package
Boomer’s Legacy
“Helping our Soldiers Help Others” at home and abroad
Natasha’s Wood Fund

33. Support Our Troops Program
Examples:
Army Run: Generated almost $1M in funds for the MFF and Soldier On during the past 4 years ( )
Graham Group Charity Golf Tournament: Golf tournament generated almost $200K for the MFF ( )
Royal Canadian Mint – Highway of Heroes Collector Coin: Operated two coin campaigns to highlight the CAF and the sacrifices of military members and their families, collectively generated $200K for the MFF.  
Honourable PM Stephen Harper – History of Hockey book: Released Fall 2013, all proceeds to MFF.
Winnipeg Jets True North Foundation: Will donate $75K to the MFF/Soldier On yearly for the next 10 years.
Canadian Tire Corporation: Donated $150K in sports equipment to support Base/Wing Recreation Programs

34. Soldier On Fund
Supports former and currently serving members with a mental or physical injury/illness to adopt an active lifestyle through sport and recreation
Over $2.3M has been disbursed to provide access to equipment, training and events allowing participants to:
learn a new sport such as skiing, horseback riding, fly fishing, and kayaking;
train with and compete against soldiers with similar injuries and illnesses from other nations; and
push their physical and mental limits through participation in regional and national sporting events. 
$3.5M has been raised by donations from Canadians, corporations and other organizations

35. Soldier On Participation
1,040 Total members supported by Soldier On

36. Soldier On Program Events 2015
Soldier On National Ski Camp (Mt Washington, BC) – Feb
3rd Annual Allied Winter Sports Camp (Whistler, BC) – Feb
Saddle Up Soldier On – RCMP (Ottawa, ON) – May
Soldier On Multi-sport Camp (Esquimalt, BC) – May
Soldier On National Golf Camp (GTA, ON) – May
UK Help for Heroes Big Battle Field Bike Ride (FRA/UK) – Jun
Soldier On National Fishing Camp (New Brunswick) – Jun
St Andrews Legacy Golf (Scotland) – May/Jul/Aug
Soldier On Range Camp (Meaford, ON) – Sep
Canada Army Run (Ottawa, ON) – Sep
Soldier On Trek (AB/BC) – Oct
Soldier On Scuba (Halifax, NS) – Nov

37. SOT Summer Camps
The SOT Summer Camps provide an opportunity for children of military families to escape from the stressors of military life, with priority given to children of deployed personnel.
In summer 2014, more than 570 children of military members enjoyed a complimentary week at Camp Maple Leaf, Muskoka Woods, and other camps across the country.
The Military Families Fund has underwritten the cost of camp registrations.
2015 camp registration is now open.

38. Vacations for Veterans Program
Launched in January 2012
Program is available to CAF members (former and currently serving) who have sustained an injury or illness while serving in a Special Duty Area/Operation and who are in receipt of a VAC benefit as a result.
Eligible members may apply for 1-week of accommodation at one of Shell Vacations Club’s 26 properties in Canada, the US and Mexico.
Annually, more than 40 CAF members/families benefit from this program.

39. NPP Outreach
SOT programs / funds attracting significant contributions from Canadians
Individual donations of dollars and products / services
Proceeds from third party events
Contributions from events / campaigns held by charitable organizations
e.g.: True Patriot Love, Canada Company and Wounded Warrior
As number and complexity of events increases
There are greater demands for DND/CAF support
There is little adherence to policy provisions and
There are diminishing efforts to align with CAF priorities
Some external organizations competing with internal NPP “charities”

40. SOT Program / Third Party Outreach
DGMWS is the CAF OPI:
Registering organizational events
Coordinating to avoid duplication and scheduling conflicts
Assisting in staffing requests for public support, military equipment and/or personnel
Approving the use of any official logos and/or images within their promotional materials
Assisting with senior CAF representation at key events
Concluding MOUs for complex relationships/partnerships
Providing feedback on the success of donations

41. Canadian Defence Community Banking Program (CDCB)
Key relationship with BMO, Bank of Montreal
Personal Banking: Saves the current 10,000 members approximately $1 million in banking fees every year
Customized Mortgage Plans and Student Line of Credit: Highly competitive rates
ABM/ATM: Over 900 branches and 2681 ATMs across Canada so that you can easily receive uninterrupted service as you move
SOT MasterCard: Contributed over $200,000 to morale and welfare programs and services since the inception of the Program
Student Line of Credit: For post-secondary education
Sponsorship: Army Run and many local programs
Personal Banking:
BMO provides financial savings to CDCB members by offering discounted rates for personal banking services.
The program was established so that all savings would accrue to CF members/families. It has been estimated that our members collectively accrue at least one million dollars in annual savings through the CDCB program.
As at 31 Mar 13, CDCB members held 10,000 BMO lead accounts.
Mortgage Plans:
In Feb 09, BMO began offering those CDCB members relocating under the IRP a waiver of the interest rate differential penalties above those reimbursed by the IRP (i.e. BMO capped the penalty at $5K).
Since the CDCB/BMO IRP offer, at least 2,000 mortgage holders avoided interest rate penalties when their mortgages were transferred.
ABM/ATM:
CANEX and BMO are the only authorized NPP suppliers of ABM (full service machine) and ATM (cash machine).
Since 1 Nov 08, CDCB has ‘the first right of refusal’ to install ABM/ATMs at Bases/Wings.
BMO is responsible for these machines in terms of their installation, maintenance and ‘cash’ top-up.
Since 2008, fifteen BMO ABM/ATMs have been installed directly on Bases/Wings.
Support Our Troops MasterCard (SOT MC):
In Nov 08, an Affinity Card Program agreement was struck with BMO to create a no-fee Support Our Troops Master Card which includes loyalty rewards for both Air Miles and Cash Back.
The SOT MC provides its holders with a branded product that enables them to show their support for the troops.
The SOT Master Card generates revenue for SOT based on the value of retail sales. Over the past three years, it has generated $105K for the Support Our Troops Fund
Sponsorships:
BMO has provided sponsorship for various national and local events, totalling more than $325K.
For 2013, BMO is making a significant sponsorship contribution (>$40K) to the CFSU(O) Family Days; (>$50K) for Wealthy Barber Returns Event, and; (>$30K) to various local events.

42. Canadian Defence Community Banking Program (CDCB)
The following is a comparison of similar banking programs available in Canada.
Comparative costs:
CDCB Performance Plan
Industry Standard
$5.45/month
Varies from $11.95 to $14.95 / month depending of the institution
2 free months
None
Fee waived with $3000 minimum balance
Fee waived with $3000-$4000 minimum balance depending of the institution
Unlimited transactions
Earn Air Miles
Source:

43. CF Appreciation Program
Official discount program of the CF
Members can save at more than 26,000 locations locally, nationally and worldwide
Travel and leisure / Everyday discounts
Visit:

44. CF Appreciation Program
CF R&R Club:
Linked to US Armed Forces Vacation Club
Linked to Gov Rewards and International Cruise Excursions
Access to 3,500 accommodations in 80 countries starting at $369 USD per week
Access to cruise lines, airlines, and 3,000 US golf courses at guaranteed low prices.

45. CF Appreciation Program
CF R&R Club – Examples:
Visit:
Silver Lake Resort,
Kissimmee, Florida
7 nights/$369 USD
Barnsdale Country Club
Rutland, England
7 nights/$369 USD
Wyndham Ka'eo Kai
Kauai, Hawaii
7 nights/$369 USD

46. CFOne Card Multi-phased approach
Confirms that an individual is a member of our One Community – One Million Strong
Provides access to MW programs, services and facilities
Over 138,000 CFOne Cards issued
Multi-phased approach
Phase 1: (22 Oct 13) access to the CANEX Loyalty Program and CF Appreciation Program
Future Phases: expanded to include access to select PSP programs and services; administration of mess fees, access to clubs and activities, as well as other MW services.

47. CFOne Card Benefits CANEX Rewards Program
Easier to earn and redeem points 
Points balance printed on receipt
Redeem points directly in-store
CF Appreciation Program
Discounts and savings at thousands of industry partners at locations locally, nationally and internationally
Access to R&R Club which includes:
Armed Forces Vacation Club
Gov Vacation Rewards
Anderson Vacation

48. Questions?