The short answer is yes. The terms of the plan were negotiated jointly between all of the unions with members in the federal public sector, as well as the retirees' organization and the Treasury Board. We negotiate the terms of the plan. Sun Life and Canada Life do not dictate what is covered. That is dictated by the outcome of the negotiations between those parties.
The negotiations for this plan concluded back in August 2022. This was a full 10 months before the changeover from Sun Life to Canada Life. Canada Life knew 18 months before the changeover that it had obtained the contract, so for 18 months it knew it had the contract. Ten months before the implementation of the contract, it knew the exact terms that it would be responsible for adjudicating, so there was significant lead time. When July 1, 2023, came along, there were no surprises to Canada Life at that point, yet the administration of this plan—and people's ability to call in to have their basic questions answered and their claims adjudicated—was just in complete disarray for months.