Bill C-38 addresses very much a specific subset of that issue. It doesn't address the pension issue, for example, in terms of creating new priorities, etc. What it addresses is long-term disability benefits that are effectively being paid in situations where an employer self-insures, or determines that they will be able to make those payments to long-term recipients in the long run.
Of course, what can happen is that the employer unfortunately can go bankrupt. We have had three instances in the last three decades. One was Massey Combines in the late 1980s, I believe. You will recall there was the example of Eaton's, and most recently, Nortel. In all three cases there were individuals on LTD who found themselves with no income conceivably coming in.
I recall historically that in those first two situations there were some interventions, and ultimately, there was some income at least, but it does create a real problem that we don't want to see happening going forward.