Thank you, Mr. Chair.
I would like to thank all the witnesses for their contribution to our committee.
Mr. Brain, I am very pleased to hear your views on the registered disability saving program. Having worked with individuals with a disability, and with their families, I would say this program needs to be improved. Thanks to improved health care, we are facing a new situation as compared to a few decades ago. Nowadays individuals with a disability can outlive their parents, which worries many families a great deal.
One solution would be to improve the registered disability savings plan. Right now it is underutilized because it is much too complicated.
Ms. Piller, you are quite right in saying that your contribution is valuable to our committee. We need to hear from the users of the various programs.
My question is for Ms. Morris. I would like to say something first—my colleagues would be surprised if I did not. You pointed out that your organization, the Canadian Association of Retired Persons, CARP, does not really know what a national poverty reduction strategy could be. I invite you to look at Bill C-245, which I introduced. It sets out the direction we could take.
You are right in saying that two thirds of the citizens we represent do not have a workplace pension plan. That is something we have to consider. I think all of our witnesses spoke today in particular about seniors. In our society, they are especially poor.
At the end of your presentation, you mentioned some interesting innovations that we should consider, as a committee looking at ways to reduce poverty. You said one way of reducing poverty among seniors is to focus on the abuse they suffer. You mentioned living wills. I would like to hear more about this please.