Pensions and Benefits

The negotiation and proper administration of employment benefits and pensions are a crucial part of ensuring social justice in the workplace and access to financial security in retirement. We provide advice and representation to individuals, administrators, unions and other organizations with respect to pension entitlements, plan governance, regulatory issues, compliance, disputes and advocacy matters. 

We provide advice on both statutory and insured employment benefits. Our union representation includes advising on the benefits for injured workers provided under the Workplace Safety and Insurance Act, more commonly referred to as workers’ compensation benefits.

Pensions

We provide advice to and about single employer pension plans, jointly sponsored pension plans and multi-employer pension plans, whether defined benefit, defined contribution or hybrid benefits. We advise on and negotiate pension issues, and litigate pension disputes before administrative tribunals and in the courts. 

Our services include:

  • advice and opinions on a full range of pension matters;
  • assisting in developing and negotiating pension bargaining proposals;
  • advising on design and redesign of pension plans and retirement compensation issues;
  • assisting with discussions with regulators to avoid escalation of disputes;
  • representation before provincial and federal regulatory bodies; and
  • pension litigation in the courts, including class actions.

Notable pension-related representations include:

  • counsel to the administrators of several large private and broader public sector pension plans, in the Ontario and federal jurisdictions;
  • counsel to an employee stakeholder in the development of a new Ontario jointly sponsored pension plan; and
  • counsel to the union administrators of Employee Life and Health Trusts in the steel sector.

Benefits

We advise union and individual employee clients on the design, negotiation, and administration of benefits plans.

Our services in the area of benefits include advice and representation on:

  • insured benefits, including long-term disability;
  • employment Insurance Benefits;
  • benefits under the Employment Standards Act;
  • employee Life and Health Trusts; and
  • other negotiated and statutory benefits.

Workers’ Compensation

We work with union clients and members navigating the complicated Workplace Safety and Insurance Act regime.

Our services in this area include:

  • training and advising union representatives who are managing workers’ compensation files;
  • representing union members at all levels of the WSIB system, including appeals at the ARO and WSIAT levels;
  • providing public policy research and advice related to the WSIB regime; and
  • assisting with systemic solutions to problems, including developing strategies to eliminate or reduce the root causes of workplace injuries.

Notable benefits-related representations include:

  • Canadian Elevator Industry Welfare Trust Fund v Skinner, in which the Firm represented the Board of Trustees of the Canadian Elevator Industry Welfare Trust Fund at the Nova Scotia Court of Appeal. The Court held that excluding coverage of medical marijuana, which was based on Health Canada's position on medical marijuana at the time, was not discriminatory and did not violate the Human Rights Act. The Court observed that Health Canada's position on medical marijuana may change over time as information in this area of treatment evolves.
  • Talos v. Grand Erie District School Board, in which Wayne Talos, a high school teacher, brought an application to the Human Rights Tribunal of Ontario ("HRTO") arguing that cutting off his health and dental benefits when he turned 65 was unconstitutional. The firm represented Elementary Teachers' Federation of Ontario ("ETFO") and the Ontario English Catholic Teachers Association ("OECTA") as intervenors in the proceeding, in support of Mr. Talos’s position. The HRTO agreed that the policy was unconstitutional. As a result, employers can no longer provide age-differentiated health and life insurance benefits.

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Ongoing Class Actions

Last Modified: 11 January 2023

Enbridge Pension Plan Class Action

The class action alleges that Enbridge was required to give its employees “credited service” when its employees take a maternity or parent...

Completed Class Actions

Last Modified: 25 June 2021

Employment Insurance, Moms on Maternity Class Action / Assurance emploi - recours collectif

The class action alleged that the government and its EI Commission refused to recognize those sickness leave claims and negligently advised claimants ...
Last Modified: 21 December 2018

Ontario Government Retiree Benefits Case

Our firm commenced an action against the Ontario government with respect to its decision to reduce the health, dental and other benefits of approximat...
Last Modified: 21 December 2018

Manulife Financial Corporation

In the class action, it is alleged, among other things, that the defendants negligently made misrepresentations relating to Manulife’s risk mana...
Last Modified: 21 December 2018

Viskase Companies Inc. and Viskase Canada Inc.

A settlement was reached reinstating paid life insurance coverage and compensating certain class members for the loss of their other paid benefits.
Last Modified: 21 December 2018

North Shore Catholic District School Board

When mutual insurance companies “demutualized” several years ago, a number of employers received substantial benefits as a result of the g...
Last Modified: 21 December 2018

Ontario Nurses' Association CCAC Pension Action

For current and former ONA members who worked for municipalities or home care services between 1996-1998, whether you were an ONA member or not when y...

Related Cases

Case/
27 November 2018

Kranjcec v. Ontario

Class action regarding retiree benefits.
Case/
27 November 2018

Omers Sponsors Corporation v. Omers Administration Corporation

Omers Sponsors Corporation v. Omers Administration Corporation, 2008 CanLII 3970 (ON SC). The Applicant OMERS Sponsors Corporation (“SC”) ...
Case/
27 November 2018

Cambridge Memorial Hospital Ltd v Ontario Nurses Association

Cambridge Memorial Hospital Ltd v Ontario Nurses Association, 2011 CanLII 76525 (ON LA). The grievor has been receiving long term disability benefits ...
Case/
27 November 2018

Sun Indalex Finance, LLC v. United Steelworkers

Sun Indalex Finance, LLC v. United Steelworkers, 2013 SCC 6 (CanLII) Indalex Limited ("Indalex"), the sponsor and administrator of two employee pensi...
Case/
27 November 2018

Professional Institute of the Public Service of Canada v. Canada (Attorney General)

Professional Institute of the Public Service of Canada v. Canada (Attorney General), 2012 SCC 71 (CanLII) There are three pension plans involved in th...
Case/
6 October 2014

Monsanto Canada Inc. v. Ontario (Superintendent of Financial Services)

Counsel to Monsanto Canada at Supreme Court of Canada, Court of Appeal, Divisional Court and the Financial Services Tribunal in leading national pensi...

Related Resources

Event/6 March 2024

Cynthia Crysler Co-Chairs Lancaster House National Pensions Conference

On March 6 and March 7, Cynthia Crysler co-chairs the Lancaster House National Pensions Conference 2...
News/24 August 2023

13 Cavalluzzo LLP Lawyers Recognized as Best Lawyers Award Recipients, One Cavalluzzo LLP Lawyer Recognized as “One to Watch”

Cavalluzzo LLP is pleased to announce that 13 lawyers have been included in the 2024 edition of The ...
News/25 August 2022

Twelve Cavalluzzo Lawyers Recognized in Best Lawyers 2023 Edition

Twelve Cavalluzzo Lawyers Recognized in Best Lawyers 2023 Edition, in six different practice areas
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New Partner Announcement

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Blog/17 November 2023

FSRA Consultation on approach to Family Law Rules raises important issues for Pension Plan Administrators

Despite consultation fatigue in the last few months, pension plan administrators should consider key issues raised in the consultation on Family Law Rules.

The Consultation on Family Law Rules raises issues that will set the direction for FSRA relating to its first rules in the pension sector since being ...
Blog/17 November 2023

FSRA Consultation on approach to Family Law Rules raises important issues for Pension Plan Administrators

Despite consultation fatigue in the last few months, pension plan administrators should consider key issues raised in the consultation on Family Law Rules.

The Consultation on Family Law Rules raises issues that will set the direction for FSRA relating to its first rules in the pension sector since being ...
Blog/19 June 2023

British Columbia Financial Services Tribunal case on MEPP’s policy for withdrawing employers

BC FST refuses MEPP’s plan amendment to provide a blanket 25% reduction in benefits for members in withdrawing employers

In Board of Trustees of the IWA – Forest Industry Pension Plan v. Superintendent of Pensions, 2023 BCFST 3, the Trustees challenged a Superintendent r...
Blog/23 March 2023

Ontario’s long-awaited Consultation on Target Benefit Plan Funding is released

Consultation includes governance and funding policy requirements, communications requirements and some flexibility on funding

Ontario Consultation Paper, “A Permanent Framework for Target Benefits” has been released. It includes governance and funding policy requirements, co...
News/24 August 2023

13 Cavalluzzo LLP Lawyers Recognized as Best Lawyers Award Recipients, One Cavalluzzo LLP Lawyer Recognized as “One to Watch”

Recognized in Six Different Practice Areas

Cavalluzzo LLP is pleased to announce that 13 lawyers have been included in the 2024 edition of The Best Lawyers in Canada, and one lawyer has been in...
News/25 August 2022

Twelve Cavalluzzo Lawyers Recognized in Best Lawyers 2023 Edition

Recognized in Six Different Practice Areas

Twelve Cavalluzzo Lawyers Recognized in Best Lawyers 2023 Edition, in six different practice areas
News/10 January 2022

New Partner Announcement

Cavalluzzo LLP is very pleased to announce that Aminah Hanif and Lauren Sheffield have joined our partnership.

Cavalluzzo LLP is very pleased to announce that Aminah Hanif and Lauren Sheffield have joined our partnership.
News/26 August 2021

Eleven Cavalluzzo Lawyers Recognized in Best Lawyers 2022 Edition

Cavalluzzo LLP also been named “Law Firm of the Year”

Eleven Cavalluzzo Lawyers Recognized in Best Lawyers 2022 Edition, and Cavalluzzo LLP also been named “Law Firm of the Year” expertise in Labour and E...
News/27 July 2021

Cavalluzzo LLP launches class action against Enbridge Inc and Enbridge Gas Inc.

Enbridge employees across Canada who have taken a parental or pregnancy leave since 1990 may be missing years of service in their pension plans

Cavalluzzo LLP launches class action against Enbridge Inc and Enbridge Gas Inc. Enbridge employees across Canada who have taken a parental or pregnanc...
News/29 June 2021

Danielle Bisnar, Jan Borowy and Cynthia Crysler Published in Employment and Labour Law Reporter

Published Article Focuses on the Important Advances on Issues for Gender Equality and Pensions

The article focusses on a significant Supreme Court of Canada case (Fraser v Attorney General) released recently which has advanced equality law for w...
Event/Mar 6, 2024

Cynthia Crysler Co-Chairs Lancaster House National Pensions Conference

2024 Conference theme: Emerging trends in a changing world

On March 6 and March 7, Cynthia Crysler co-chairs the Lancaster House National Pensions Conference 2024: Emerging trends in a changing world.
Event/Jun 3, 2021

Cynthia Crysler Speaks at 2021 CALL Conference

Participates in panel "ABC of Pensions"

Cynthia Crysler participates in panel "ABC of Pensions" at the 2021 CALL Conference discussing key concepts in pension law from a social justice/labou...
Event/Dec 3, 2020

Cynthia Crysler Spoke at Lancaster House Pension Conference

Cynthia Crysler spoke at the annual Lancaster House Pensions Conference on December 3, 2020.  She spoke on “Pension Plans and the Pandemic:...
Publication/1 November 2013

Ignored and Misunderstood: Privacy Rights and Medical Information in the Canadian Workplace

Introduction In 1881, an English Appellate court said: "[I]t is well established that persons do not by virtue of their status as employees lose their...
Publication/11 June 2013

Pension Risk Management

Insurance companies often describe themselves as “in the business of managing risk” So are pension plans Pension sponsors and...
Publication/1 May 2012

Challenges for Jointly Sponsored Pension Plans

Amidst the wave of pension reform in Ontario, one crest has peaked above the rest; jointly sponsored pension plans ("JSPPs") are under close examinati...
Publication/1 January 2012

Post-Retirement Benefits Update

Two recent decisions in British Columbia have addressed the issue of entitlement to post-retirement health benefits, one in a unionized setting, the o...
Publication/1 August 2005

Supreme Court of Canada Strikes Down Quebec Prohibition on Private Health Insurance (revised)

On June 9, 2005 the Supreme Court of Canada released its decision in Chaoulli & Zeliotis v. Quebec (Attorney General), 2005 SCC 35 (“Chaoull...
Publication/10 June 2005

Supreme Court of Canada Strikes Down Quebec Prohibition on Private Health Insurance

On June 9, 2005 the Supreme Court of Canada released its decision in Chaoulli & Zeliotis v. Quebec (Attorney General), 2005 SCC 35 (“Chaoull...