Mr. Speaker, I am pleased to rise in the House to speak to Bill C-45. I would like to open my remarks by joining those who spoke before me in saying that I do not agree with the way we are proceeding with Bill C-45, which is a mammoth omnibus bill. Call it what you will, but the fact remains that this bill is more than 400 pages long and has various parts dealing with different areas. Not only are we restricted to having only one debate, but we also have only one opportunity to vote on a massive bill containing a wide range of measures. For a party that boasted that it would be transparent and would stand up for democracy, this makes no sense. Frankly, we are wondering what has become of those lofty ideals today.
As a parliamentarian, I have to vote only once. This bill has some elements that I agree with and that I would be happy to vote in favour of. Unfortunately, it also has a number of incomplete and potentially harmful features that need major amendments or that should not be there in the first place. I am in a position where I have to vote for or against a wide range of measures and amendments. I think this way of doing things is neither transparent nor democratic.
A number of hon. members have asked us why we are complaining, because everything that is in Bill C-45 was already announced in the budget. I would like to set the record straight and say that that is not true. Not all the measures in Bill C-45 were in the budget. Let us stop lying to Canadians. That is shameful. For instance, one amendment in Bill C-45 has to do with the right of grain farmers to an appeal process. I did not find that in the main budget tabled last spring. The same goes for the Navigable Waters Protection Act.
There are things in Bill C-45 that were not clearly announced in the budget and that warrant careful consideration. Anytime we are faced with such an immense bill, there is always confusion and unexpected things.
The Liberals proposed removing the parts related to pensions from Bill C-45. If that proposal had been accepted, we would have voted in favour of the measure concerning members' pensions and the one concerning public service pensions and Canadian Forces members' pensions. With just one vote, and without any debate, we would have affected the pensions of over 450,000 Canadians.
Modifying people's pension plans without bothering to dedicate any time for consideration, debate or examination is such an insult. This shows a complete lack of respect and a negligent attitude toward democracy. The cavalier, disrespectful attitude this government is taking regarding such important issues for Canadians will undermine their confidence in our parliamentary system.
I would now like to take a closer look at one particular measure announced in Bill C-45: changing the eligibility age for public servants' retirement pensions. Anyone hired as of January 1, 2013, will receive his or her retirement pension at age 65 instead of 60. Five years is a long time; it is more than just a few weeks or a few months. This change is not really justified. The budget indicates that this measure is responsible and is important to ensuring the sustainability of the pension plan. However, those few words are by no means sufficient justification for making such a major change to the pension plan.
On what grounds is the viability of the program being determined? Perhaps there are reasonable grounds to believe the retirement age needs to be raised, but I doubt it. I will leave this open to discussion and debate. The government cannot simply declare that the viability is at risk and the age must therefore be raised; that is not enough. I want to see some figures and some studies proving that the viability is at risk at this time. I can easily draw a comparison with the changes announced to old age security.
All kinds of non-partisan expert studies show that old age security in its present form, with 65 as the age of eligibility, is sustainable in the long term. Of course we do not need complex calculations to know that costs will rise as the population ages. Old age security, a public pension program, will cost more because the proportion of seniors will be greater. Does this mean that the program is not sustainable in the long term? Not at all. Just because it will cost more does not mean that we will absolutely not be able to cover the costs. Experts' in-depth long-term analyses take into account a number of factors and unanimously confirm that old age security with 65 as the age of eligibility is a program that we can afford to keep.
On a number of occasions, the opposition has asked—as the critic for seniors, I have asked dozens of times—for the figures, studies and reports on which the government bases its claim that the viability of old age security is in jeopardy. To date, I have not seen any valid proof, or anything to justify these changes. The recent Auditor General's report clearly states that some figures and studies could have been made public to provide some indication of and information about the real reasons for changing the eligibility age for our old age security program. No figure has been published even though, in 2007, the government promised to do so and, in 2011, the Auditor General recommended that the government once again publish a report on long-term fiscal sustainability.
Furthermore, we also learned from the Auditor General's most recent report, which was released last week, that the Minister of Finance does not necessarily have all the information on the long-term impact of his decisions. He makes the decisions and then is subsequently informed by the department of the long-term impact of the decisions. Quite frankly, there is cause to be suspicious of the reasons for the changes proposed by Bill C-45 and by the Conservatives' most recent budget.
That concludes my remarks on pensions affected by Bill C-45 and the budget. I would also like to talk about another aspect related to Canadians' savings and their financial security: pooled registered pension plans.
Many experts agree that pooled registered pension plans will not enhance Canadians' financial security; rather, they will undermine it. Yes, we can do something to protect retirees' financial security. We can take meaningful steps and we can do it now if possible. The government should not introduce another savings vehicle similar to RRSPs and TFSAs. Not everyone contributes to RRSPs and TFSAs, which are savings vehicles. A whole lot of people cannot put money aside for retirement.
What are the unique advantages of a pooled registered pension plan? It will give employers the opportunity to provide a so-called pension plan—merely “so-called” because a PRPP is not a pension plan; it is a savings plan—without having to commit to anything. Employers can set up a plan that employees may contribute to if they want, which is fine, but employers do not actually have to do anything. If employers are not interested in participating, they simply do not have to. That is not a solution.
Many experts say that we have to rethink our defined benefit pension plan and that we have to protect it. That is the only thing that will put Canadians in a position to save for their retirement and allow them to count on a set amount of money when they retire. Changes are in order if we want to improve these pension plans and keep them viable. But we have to be serious about making those changes.
I could go on at length about this, but I see that my time is almost up. Nobody can cover everything in a 400-page bill in 10 minutes.
In closing, I want to say that, if the Minister of Finance thinks that austerity is prudent, he should be careful, because people must not be led to believe that the cuts he has proposed are in any way necessary. This is nothing but political rhetoric and lies, if I may say so.