Thank you. I'll take half of this and Sean will take the other half.
In the provincial workers compensation program in 2012 in, say, British Columbia, you insure a person's income up to $72,000 a year. That's $6,000 a month. If they're totally disabled, they will get $6,000 reduced to 75% of that, to $4,000. That is non-taxable and not subject to clawback. If they can go out, get a law degree, and work after that, the $4,000 is their base. Nothing ever happens to it.
Under the new Veterans Charter, they're given earnings loss benefits. The new Veterans Charter says that they can sue the claimant if the claimant becomes healthy again and doesn't declare it. The government now is toying with a pension of $1,400 a month for disabled soldiers, almost one-third of what the provinces give. The question is, why?
These are the issues that we deal with.