2013 FCA 158, 2013 FCA 158

A-52-12 2013 FCA 158 Sherrie A. Miceli-Riggins ( Applicant ) v . Attorney General of Canada ( Respondent ) Indexed as: Miceli-Riggins v. Canada (Attorney General) Federal Court of Appeal, Evans, Stratas and Webb JJ.A.—Toronto, December 13, 2012; Ottawa, June 14, 2013.

Pensions –– Judicial review of Pension Appeals Board decision finding that applicant not qualifying for disability benefits under Canada Pension Act ; Canadian Charter of Rights and Freedoms, s. 15 not infringed –– Applicant working, contributing under Plan from 1986 to 1997 with several interruptions to attend school, give birth –– Suffering multiple car accidents, diagnosed with fibromyalgia –– Applying for disability benefits under Plan in 2000 –– Applicant determined to be disabled after December 31, 1997; therefore, subject to new “four of six years” rule in determining minimum qualifying period –– Invoking Charter, s. 15, targeting certain provisions under Plan, such as child rearing drop-out, proration in s. 19 ; claiming provisions working together to deny women equal access to disability pension –– Whether impugned provisions infringing Charter, s. 15 –– Plan not intended to meet everyone’s needs but constituting contributory plan providing partial earnings-replacement in certain technically defined circumstances –– Applicant’s Charter, s. 15 challenge failing –– Applicant not meeting Plan’s requirements not because female but because of unique personal circumstances –– Regarding Plan, s. 19, proration allowed in some circumstances but not in others –– Applicant failing to show circumstances related to enumerated or analogous ground –– Plan not having discriminatory purpose, policy or effect –– Lines drawn generally appropriate; Plan not singling out women in invidious way –– Impugned provisions best regarded as ameliorative –– To extent provisions aimed at ameliorating or remedying condition of women, may be considered “law, program or activity” within meaning of Charter, s. 15(2) –– In such case, provisions at issue could not be considered discriminatory under Charter, s. 15(1) –– Application dismissed.

This was an application for judicial review of a decision of the Pension Appeals Board finding that the applicant did not qualify for disability benefits under the Canada Pension Plan . A majority of the Board also found that, contrary to the applicant’s submission, the Plan’s provisions did not discriminate against the applicant and infringe her

section 15 rights under the Canadian Charter of Rights and Freedoms . The applicant worked and contributed under the Plan from 1986 to 1993, in 1996 and in January 1997. She left the workforce to attend school for two years in 1994 and 1995. In the month of January 1997, the applicant gave birth prematurely and left work. Before giving birth, the applicant had two car accidents and her health deteriorated. When her child was born, she was not disabled within the meaning of the Plan. But after the birth of the child, the applicant’s health worsened gradually; her last employment ended in 1999.

She was diagnosed in September 2000 with fibromyalgia. The applicant had yet another car accident in October 2002 and her condition worsened appreciably from that time. In November 2000, the applicant applied for disability benefits under the Plan . She had to establish two things: the presence of disability on the relevant date and sufficient attachment to the workforce. To qualify for benefits, the applicant must have met both of those requirements at the same time.

Regarding the presence of disability, she had to establish that she was disabled and that her disability was “severe” and “prolonged” as defined under paragraph 42(2) (

a) of the Plan. As for the second requirement, sufficient workforce attachment, this is shown by contributions of a certain amount under the Plan for a number of years during a defined period of time, known as the minimum qualifying period. In her application for benefits, the applicant stated that she could no longer work because of her medical condition in August 1999. Based on the evidence, the Board found that the applicant was not disabled by December 31, 1997, a date that was important to the applicant’s entitlement to disability benefits.

The majority of the Board did not accept that as of December 2000, the applicant still satisfied the workforce attachment requirement but found that she met this requirement the last time on December 31, 1997. Since the applicant was disabled after December 31, 1997, she was subject to the new rule that she had to have contributed under the Plan in four of the last six years. The applicant invoked

section 15 of the Charter , the equality rights guarantee. She targeted the child rearing drop-out (CRDO) provisions under the Plan (certain periods to be excluded from the contributory period to raise a child), the proration provision in

section 19 of the Plan, the “four of six years” rule and the use of the calendar year for calculation. She claimed that these worked together to deny women equal access to a disability pension. The applicant sought to have the words “eligibility under the CRDO provisions” read in as a circumstance that allows a person to prorate under

section 19 of the Plan. The issue was whether the impugned provisions infringed

section 15 of the Charter as submitted. Held , the application should be dismissed. The nature of the Plan was an important part of the context in which the applicant’s challenge had to be assessed. Contrary to the applicant’s submission, the Plan was not intended to meet everyone’s needs but is a contributory plan that provides partial earnings- replacement in certain technically defined circumstances, such as retirement, disability or the death of a wage-earning spouse or parent. The applicant’s

section 15 challenge failed. She alleged that the impugned provisions have a disproportionately negative impact upon women, an indirect discrimination claim. She asserted there is a relationship between her gender and failing to meet the contributory requirements of the Plan . But at one time, she did meet the contributory requirements of the Plan, having made contributions for five years out of the ten between 1988 and 1997. At later dates, on the “four of six” rule, she failed to meet the contributory requirements of the Plan not because she was a woman but because of her personal circumstances. The applicant did not receive disability benefits not

because of the discriminatory provisions in the Plan but rather because of the confluence of circumstances unique to the applicant andnot shared by many women at all. In the case of

section 19 of the Plan, proration is allowed in some circumstances but not in others. Theapplicant did not show that these circumstances are related to an enumerated or analogous ground. Without such evidence, it was notpossible to tell whether

section 19 has contributed to or caused an adverse effect upon women. The Plan does not have a discriminatory purpose, policy or effect as required by case law. The detrimental effect caused on the applicantwas a consequence of the interaction of complicated rules within a complicated scheme that is not a general social welfare schemeavailable to all in every circumstance.

The applicant’s complaint pertaining to the operation of the CRDO provisions in cases where awoman gives birth early in the calendar year, thereby reducing the number of months in the year of birth in which to make validcontributions under the Plan, was rejected. The month in which a child is born is not an enumerated or analogous ground under section15 of the Charter nor is it a personal characteristic upon which the applicant was denied a benefit under the Plan. The lines drawn were generally appropriate and the Plan does not single out women in an invidious way.

The applicant, owing to herparticular circumstances, simply did not qualify under the technical criteria of the Plan. The impugned provisions were best regarded as ameliorative. The fact that the CRDO provisions and the proration provision in section19 of the Plan are ameliorative in nature may have other consequences for the

section 15 Charter analysis. To the extent that they areaimed at ameliorating or remedying the condition of women, a subsection 15(1) enumerated group, they may be said to be a “law,program or activity” within the meaning of subsection 15(2) of the Charter. In such a case, they could not be found to be discriminatoryunder subsection 15(1) thereof. STATUTES AND REGULATIONS CITED Canada Pension Plan, R.S.C., 1985, c. C-8, ss. 19, 42(2)(a),(b)(iv), 44(2)(a). Canada Pension Plan Regulations, C.R.C., c. 385, s. 77 “family allowance recipient”. Canadian Charter of Rights and Freedoms, being

Part I of the Constitution Act, 1982,

Schedule B, Canada Act 1982, 1982, c. 11 (U.K.)[R.S.C., 1985, Appendix II, No. 44], s. 15. Employment Insurance Act, S.C. 1996, c. 23. Income Tax Act, R.S.C., 1985 (5th Supp.), c. 1, s. 122.6(f). CASES CITED applied: Withler v. Canada (Attorney General), 2011 SCC 12, [2011] 1 S.C.R. 396; Auton (Guardian ad litem of) v. British Columbia (AttorneyGeneral), 2004 SCC 78, [2004] 3 S.C.R. 657; Canada (Attorney General) v. Lesiuk, 2003 FCA 3, [2003] 2 F.C. 697; Symes v. Canada, (SCC), [1993] 4 S.C.R. 695, (1993), 110 D.L.R. (4th) 470. distinguished: Vriend v.

Alberta, (SCC), [1998] 1 S.C.R. 493, (1998), 212 A.R. 237. considered: Law v. Canada (Minister of Employment and Immigration), (SCC), [1999] 1 S.C.R. 497, (1999), 170 D.L.R. (4th) 1;Andrews v. Law Society of British Columbia, (SCC), [1989] 1 S.C.R. 143, (1989), 56 D.L.R. (4th) 1; Gosselin v. Québec(Attorney General), 2002 SCC 84, [2002] 4 S.C.R. 429; Krock v. Canada (Attorney General), 2001 FCA 188, 29 C.C.L.I. (3d) 55; Nishriv. Canada, 2001 FCA 115, [2001] CLLC 240-002; Granovsky v. Canada (Minister of Employment and Immigration), 2000 SCC 28,[2000] 1 S.C.R. 703. referred to: R. v.

Kapp, 2008 SCC 41, [2008] 2 S.C.R. 483; Ermineskin Indian Band and Nation v. Canada, 2009 SCC 9, [2009] 2 S.C.R. 222;Hodge v. Canada (Minister of Human Resources Development), 2004 SCC 65, [2004] 3 S.C.R. 357; Nadeau v. M.N.R., 2003 FCA 400,[2004] 1 F.C.R. 587; Harris v. Canada (Minister of Human Resources and Skills Development), 2009 FCA 22, [2009] 4 F.C.R. 330;Lovelace v. Ontario, 2000 SCC 37, [2000] 1 S.C.R. 950; Runchey v. Canada (Attorney General), 2013 FCA 16, [2014] 3 F.C.R. 227.

APPLICATION for judicial review of a Pension Appeals Board decision (CP22528 (PAB)) finding that the applicant did not qualify fordisability benefits under the Canada Pension Plan. A majority also found that the Plan’s provisions did not discriminate against theapplicant and infringe her

section 15 right under the Canadian Charter of Rights and Freedoms. Application dismissed. APPEARANCES Cynthia B. Kuehl and Rivka L. Birkan for applicant. Michael Stevenson and Vanessa Luna for respondent. SOLICITORS OF RECORD Lerners LLP., Toronto, for applicant.

Deputy Attorney General of Canada for respondent. The following are the reasons for judgment rendered in English by Stratas J.A.: A. Introduction [ 1 ] Ms. Miceli-Riggins (the applicant) applies for judicial review of the decision of the Pension Appeals Board dated January 3, 2012 (appeal CP22528) [ S.M.-R. v. Minister of Human Resources and Skills Development ]. [ 2 ] In that decision, the Board found the applicant did not qualify for disability benefits under the Canada Pension Plan , R.S.C., 1985, c. C-8, as amended (the Plan).

Certain provisions of the Plan, described below, stood in her way. [ 3 ] However, before the Board, the applicant also submitted that these provisions discriminated against her, contrary to

section 15 of the Charter [ Canadian Charter of Rights and Freedoms , being

Part I of the Constitution Act, 1982 ,

Schedule B, Canada Act 1982 , 1982, c. 11 (U.K.) [R.S.C., 1985, Appendix II, No. 44]]. A majority of the Board rejected her submissions, finding no infringement of

section 15. One member dissented. He would have “grant[ed] … [an] amendment” [at paragraph 150] to the Plan and would have granted her disability benefits. [ 4 ] For the reasons set out below, there is no infringement of

section 15 of the Charter . The relevant provisions of the Plan apply to the applicant as written. Under those provisions, she does not qualify for disability benefits. Therefore, I would dismiss the application. B. The applicant, her work history and her declining health [ 5 ] The applicant worked and contributed under the Plan from 1986 to 1993, in 1996 and again in January 1997. The two-year gap in contributions in 1994 and 1995 happened when the applicant left the workforce to attend school. [ 6 ] On January 25, 1997, the applicant had a baby three months prematurely.

She left work to care for the baby. [ 7 ] Before the birth of the child, the applicant suffered two car accidents. Her health deteriorated from that time. [ 8 ] At the time of the birth of the child in January 1997, the applicant was in “fair” health. But she was not “disabled” within the meaning of the Plan and, thus, was not entitled to disability benefits: dissenting reasons of the Board, at paragraphs 13 and 26. [ 9 ] However, after the birth of the child, the applicant’s health worsened gradually, and this is well supported by medical reports. Her ability to do housework declined toward the end of 1998.

Only in 1998 did she see a doctor. Her last employment ended in 1999. By 2000, the applicant had difficulty walking and lifting her child and she could no longer do housework. In September 2000, her doctor diagnosed her with fibromyalgia, triggered by the two earlier car accidents and the childbirth. He opined that she was incapable of working. [ 10 ] As if that was not enough, the applicant had another car accident in October 2002.

From that time, her condition worsened appreciably, to the point where she needed physical assistance to get in and out of the bathtub. [ 11 ] By the time of the hearing before the Board, her health was “terrible”, and she always experienced pain. At the present time, she “is not doing much of anything”. See the dissenting reasons of the Board, at paragraph 14. C. The applicant’s application for disability benefits [ 12 ] On November 7, 2000, the applicant applied for disability benefits under the Plan .

To receive those benefits, the applicant had to demonstrate two things—the presence of disability on the relevant date and sufficient attachment to the workforce. To qualify for benefits, the applicant must have met both of these requirements at the same time

(1) The first requirement: the presence of disability [ 13 ] First, the applicant had to establish that she was disabled and that her disability was “severe” and “prolonged” as defined under paragraph 42(2) (

a) of the Plan . [ 14 ] As is well known, the test under paragraph 42(2) (

a) of the Plan is difficult to meet. A disability is “severe” only if the person is not regularly able to pursue any substantially gainful employment. The severity is judged not by the severity of the disease or ailment afflicting the claimant. Rather, it is judged according to whether the claimant is unable to work. [ 15 ] And the “unable to work” standard is most difficult to meet. In order to meet it, the claimant must demonstrate more than just an inability to perform his or her former job. Instead, the claimant must show that he or she cannot engage in “substantially gainful employment”.

This includes modified activities at the claimant’s usual workplace, any part-time work whether at the claimant’s usual workplace or elsewhere, or sedentary jobs. [ 16 ] In her application for benefits, the applicant stated that she could no longer work because of her medical condition in August 1999. She did not dispute that she could have worked before 1999. [ 17 ] Indeed, before the Board, the applicant testified that she could have worked in 1997 despite the premature birth of the child in January 1997. Her husband testified that the applicant was “normal” for at least part of 1997.

Based both on this evidence and the applicant’s application for benefits, the Board found that the applicant was not disabled by December 31, 1997: see paragraph 4 of its reasons. The applicant does not challenge this finding in this Court.

[ 18 ] As we shall see, this date, December 31, 1997, becomes most important to the applicant’s entitlement to disability benefits. [ 19 ] The dissenting Board member accepted that the applicant’s health condition became “severe” and “prolonged” in the year 2000. However, as I shall now explain, the majority of the Board did not accept that, as of December 2000, the applicant still satisfied the workforce attachment requirement. Rather, the last time she met this requirement was December 31, 1997.

(2) The second requirement: sufficient workforce attachment [ 20 ] Under the Plan, sufficient workplace attachment is shown by contributions of a certain amount under the Plan for a number of years during a defined period of time. In the parlance of the Plan, this period is known as the minimum qualifying period or MQP. [ 21 ] The legislated rules that determine eligibility for a disability pension under the Plan are strict and inflexible. [ 22 ] For those disabled on or before December 31, 1997, the rule was that a claimant had to have contributed under the Plan in five of the last ten years.

In the applicant’s case, had she been disabled in 1997, she would have had sufficient workplace attachment. She would have met the “five of ten” rule because she had made contributions from 1988 to 1993 and then in 1996. [ 23 ] However, for those disabled after December 31, 1997, a different rule applied. The applicant was disabled after December 31, 1997 and, thus, was subject to the different rule. Under that rule, the applicant had to have contributed under the Plan in four of the last six years: Plan, subparagraph 44(2) ( a )(i).

In order for a particular year to “count” in that calculation, a minimum amount must be contributed under the Plan in that year. In 1997, the minimum amount was equal to $3 500. See

section 19 and paragraph 44(2)(

a) of the Plan. [ 24 ] The foregoing can be illustrated in a chart setting out the applicant’s work and contribution history through to 2004: Year Contribution made at minimum required level? Comments 1986 to 1993 Yes 1994 No The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforce attachment. 1995 No The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforce attachment. 1996 Yes The “five of ten” rule is satisfied.

If disabled in this year, the applicant would have sufficient workforce attachment. 1997 No The applicant worked until childbirth on January 25, 1997. She made contributions under the Plan during January, but they failed to meet the minimum amount required for the year. But throughout 1997, the “five of ten” rule is satisfied. If disabled in 1997, the applicant would have sufficient workforce attachment. 1998 to 2004 No The workplace attachment rule changed: it is now “four of six.” “Four of six” rule not satisfied. [ 25 ] This, however, is not the end of the story.

The Plan contains two additional provisions that mitigate unfair effects: the CRDO provisions [child rearing drop-out provisions] and the proration provision in

section 19 of the Plan.

(3) The CRDO provisions [ 26 ] People might not be able to work and make contributions under the Plan for good reason. For example, parents may need to stay at home to care for a child. Even today, this scenario continues to disproportionately occur with women rather than men. [ 27 ] Leaving the workforce to care for a child could have consequences for benefits under the Plan . The failure to make contributions under the Plan in a given year may reduce the benefits payable in the future.

It may also affect the operation of rules such as the “four of six” rule described above. [ 28 ] To eliminate these potentially unfair effects, the Plan allows certain periods to be excluded from the contributory period. These are known as the “drop-out provisions” in the Plan. There are three types of drop-out provisions: the general drop-out provisions, the disability drop-out provisions and the child rearing drop-out provisions (CRDO). [ 29 ] The CRDO is designed to ensure that a person who stays home to raise a child under the age of seven is not penalized during that time for having low or no earnings.

It protects eligibility for benefits and preserves the level of benefits eventually paid out under the Plan .

As the dissenting reasons of the Board note [at paragraph 104], “[t]his feature of the design of [the Plan] plays a vital role in advancing the financial security of women who have their work interrupted by child rearing.” [ 30 ] The CRDO provisions related to the workplace attachment test for disability benefits are available to all eligible contributors, irrespective of gender, who stay home to care for children under the age of seven and have pensionable earnings in a particular year below the minimum amount of contribution required for that year: Plan, subparagraph 44(2) ( b )(iv).

Specifically, the CRDO provisions allow any month to be excluded from the contributory period where: (1) the contributor is a “family allowance recipient” as defined in the Plan Regulations [ Canada Pension Plan Regulations , C.R.C., c. 385,

section 77]; and (2) the contributor has earnings for the year

below the minimum amount of contribution required for that year. [ 31 ] In this case, the applicant was a Child Tax Benefit recipient from February 1997 to January 2004 (when her child turned seven years of age) and thus, during that time, was regarded as a “family allowance recipient” under the Plan Regulations. Therefore, the period from February 1997 to January 2004 was excluded from the applicant’s contributory period under the CRDO.

This exclusion may have the effect of increasing the amount of benefits she might receive under the Plan . [ 32 ] We must now update the chart setting out the applicant’s work and contribution history through to 2004, taking into account the operation of the CRDO provisions in the applicant’s case. As can be seen, the application of CRDO by itself does not change the applicant’s situation: Year Contribution made at minimum required level? Comments 1986 to 1993 Yes 1994 No The “five of ten” rule is satisfied.

If disabled in this year, the applicant would have sufficient workforce attachment. 1995 No The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforce attachment. 1996 Yes The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforce attachment. 1997 No The applicant worked until childbirth on January 25, 1997. She made contributions under the Plan during January, but they failed to meet the minimum amount required for the year. But throughout 1997, the “five of ten” rule is satisfied.

If disabled in 1997, the applicant would have sufficient workforce attachment. By operation of the CRDO provisions, the period from February 1997 does not count in the applicant’s contribution history. 1998 to 2003 These years do not count for this purpose due to operation of CRDO provisions. The workplace attachment rule changed: it is now “four of six.” “Four of six” rule not satisfied. The CRDO provisions apply: this year does not count in the applicant’s contribution history. Appellant has contributed only three of the last six years. 2004 No Her child turned seven on January 25, 2004.

Under the Plan, the benefit of the CRDO provisions ends on January 31, 2004. [ 33 ] As is apparent from this chart, the CRDO provisions do not alter the fact that the applicant was not in compliance with the “four of six” rule on January 1, 1998.

(4) The proration provision in

section 19 of the Plan [ 34 ] The proration provision in

section 19 of the Plan is an ameliorative provision designed to mitigate possible harsh results. [ 35 ]

Section 19 of the Plan is designed to ensure that a contributor is not disadvantaged when the contributor cannot make sufficient contributions in a year. Under proration, the contributor’s required contribution level for the year is reduced in proportion to the number of months the contributor was able to work. [ 36 ] Proration is available when a contributor reaches 70 years of age, dies, becomes disabled, or the Plan retirement pension is payable. It is also available when a person turns 18 years of age or ceases to receive a disability pension under the Plan or provincial counterparts.

It is not available when a person gives birth to a child, or becomes or ceases to be eligible for the CRDO. [ 37 ] Thus, for 1997, the applicant’s required contribution could not be prorated because she did not meet the conditions contained in

section 19 of the Plan , as written.

(5) The applicant’s Charter submission [ 38 ] The applicant invokes

section 15 of the Charter , the equality rights guarantee. She targets the CRDO provisions, the proration provision in

section 19 of the Plan , the “four of six years” rule, and the use of the calendar year for calculation. Collectively, these work together to deny women equal access to a disability pension. She left the workforce to have a child early in the year before she could make contributions at the minimum required level—a circumstance that only a woman, not a man, can experience. [ 39 ] In support of her

section 15 claim, the applicant also notes the following: • Women are generally more likely to stop working to care for a child, making it harder to meet the minimum contribution level for the year, especially following the birth of a child; • Childbirth physically disrupts a women’s participation in the workforce. As a result, it is harder to satisfy the minimum contribution level required in years where a woman gives birth; • Women generally earn less money than men, making it generally harder to satisfy the minimum contribution level required for the year;

• Pregnancy carries risks of disability, meaning that women who give birth may not return to the workforce. [40] The appellant asks that the Court read in “eligibility under the CRDO provisions” as a circumstance that allows a person toprorate under

section 19 of the Plan. [41] If given that relief, the last day of the applicant’s MPQ moves to January 31, 2004, the end of the month when her child becameseven years old and the benefit of the CRDO provisions ended. This is shown by the following chart, revised to show the situation shouldthe applicant’s Charter submission be accepted: Year Contribution madeat minimumrequired level? Comments 1986to1993 Yes 1994No The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforceattachment. 1995No The “five of ten” rule is satisfied.

If disabled in this year, the applicant would have sufficient workforceattachment. 1996Yes The “five of ten” rule is satisfied. If disabled in this year, the applicant would have sufficient workforceattachment. 1997Yes The applicant worked until childbirth on January 25, 1997. She made contributions under the Plan duringJanuary, but they failed to meet the minimum level of contributions required. She made contributions underthe Plan during January. But prorationing, as sought by the applicant, would allow this year to count as acontribution year.

The applicant would meet the “four of six” rule that applied after December 31, 1997 1998to2003 These years do notcount for thispurpose due tooperation of CRDOprovisions. The workplace attachment rule changed: it is now “four of six.” The “four of six” rule is satisfied. TheCRDO provisions apply: this year does not count in the applicant’s contribution history. Applicant hascontributed four of the last six years. 2004No Her child turned seven on January 25, 2004.

Under the Plan, the benefit of the CRDO provisions ends onJanuary 31, 2004. [42] On this basis, the applicant alleges that the last day of her MQP should be in January 2004. As she was disabled at that time, shewould be entitled to disability benefits. D. Analysis

(1) General principles [43] Traditionally, courts adjudicating

section 15 challenges have considered two questions: 1- Does the legislation create a distinction based on an enumerated or analogous ground? 2- Does the distinction create a disadvantage by perpetuating prejudice or stereotyping? In other words, is there discrimination? See generally Law v. Canada (Minister of Employment and Immigration), (SCC), [1999] 1 S.C.R. 497; R. v. Kapp,2008 SCC 41, [2008] 2 S.C.R. 483, at paragraph 17; Withler v. Canada (Attorney General), 2011 SCC 12, [2011] 1 S.C.R. 396, atparagraph 30. [44] Different or unequal treatment alone does not infringe

section 15 of the Charter. Instead,

section 15 is aimed at preventingdiscrimination. Andrews v. Law Society of British Columbia, (SCC), [1989] 1 S.C.R. 143, at page 182; Law, above, atparagraph 51; Ermineskin Indian Band and Nation v. Canada, 2009 SCC 9, [2009] 2 S.C.R. 222, at paragraph 188. Put another way,“[e]quality is not about sameness and s. 15(1) does not protect a right to identical treatment”: Withler, above, at paragraph 31. [45] In many cases, the Supreme Court has attempted to describe the meaning of discrimination.

Discrimination is an elusive conceptand so, not surprisingly, it is not possible to find exact common ground in the descriptions of discrimination in those cases. Like a prism,discrimination is a single item, but it can look quite different and cast different types of light when viewed from different angles.

TheSupreme Court’s descriptions, different as they may be, are all helpful in understanding the nature of discrimination. [46] At its root, discrimination is state action, state inaction or legislation that perpetuates disadvantage and stereotyping: Kapp,above, at paragraph 24; Withler, above, at paragraph 37.

A classic statement of discrimination is found in Andrews, above, at pages 174–175: … discrimination may be described as a distinction, whether intentional or not but based on grounds relating to personal characteristics ofthe individual or group, which has the effect of imposing burdens, obligations, or disadvantages on such individual or group not imposedupon others, or which withholds or limits access to opportunities, benefits, and advantages available to other members of society.Distinctions based on personal characteristics attributed to an individual solely on the basis of association with a group will rarely escapethe charge of discrimination, while those based on an individual’s merits and capacities will rarely be so classed. [47] Discrimination works a personal sting upon the individual, assaulting his or her dignity by labelling the individual, for reasons

outside of his or her control, as being unworthy of equal respect, equal membership or equal belonging in Canadian society: Law , above, at paragraphs 47–53. [ 48 ] Particularly useful on the definition of discrimination is the Supreme Court’s decision in Withler , above. There, the Supreme Court described two different types of discrimination. These types, their characteristics, and the types of evidence that are relevant to them, are as follows: 1- The perpetuation of prejudice or disadvantage to members of a group on the basis of personal characteristics identified in the enumerated and analogous grounds.

This can happen when the law treats a historically disadvantaged group in a way that underscores the very characteristics that have caused its disadvantage. Key to proving this sort of discrimination is “evidence that goes to establishing a claimant’s historical position of disadvantage or to demonstrating existing prejudice against the claimant group, as well as the nature of the interest that is affected”: Withler , at paragraph 38 . 2- The creation or perpetuation of disadvantage based on a stereotype that does not correspond to the actual circumstances and characteristics of the applicant or applicant group.

Here, historic disadvantage is not required. As explained in Withler , “a group that has not historically experienced disadvantage may find itself the subject of conduct that, if permitted to continue, would create a discriminatory impact on members of the group … by stereotyping members of the group” (at paragraph 36).

The sort of evidence to be considered here includes “whether there is correspondence with the claimants’ actual characteristics or circumstances”, and “the ameliorative effect of the law on others and the multiplicity of interests [the law] attempts to balance”: Withler , at paragraph 38 . [ 49 ] In considering whether discrimination is present, narrow matters of form and “overly technical” matters are to be cast aside: Auton (Guardian ad litem of) v.

British Columbia (Attorney General) , 2004 SCC 78 , [2004] 3 S.C.R. 657, at paragraph 25 . [ 50 ] Rather, courts are to embark on a broader “contextual” analysis, “looking at the circumstances” of members of the group and “the negative impact of the law on them.” The emphasis is on the “actual situation of the group and the potential of the impugned law to worsen their situation.” See Withler , above, at paragraph 37 . [ 51 ] The contextual approach means that in some cases, a measure may be discriminatory. In others, not.

An important part of the context, as we shall see, is the nature of the legislation that creates the impugned distinction. In the present case, the Court is dealing with the provision of benefits under complex social benefits legislation, a context many courts, including the Supreme Court, have considered to be special. [ 52 ] By adopting a substantive, not formal, approach to the matter and by viewing the substance of the matter in its proper context, courts are able to address whether, in the circumstances of the case, substantive equality is present.

The promotion and attainment of substantive equality is key to

section 15. [ 53 ] In Withler , above, the Supreme Court described substantive equality as follows (at paragraph 39): Substantive equality, unlike formal equality, rejects the mere presence or absence of difference as an answer to differential treatment. It insists on going behind the facade of similarities and differences. It asks not only what characteristics the different treatment is predicated upon, but also whether those characteristics are relevant considerations under the circumstances.

The focus of the inquiry is on the actual impact of the impugned law, taking full account of social, political, economic and historical factors concerning the group. The result may be to reveal differential treatment as discriminatory because of prejudicial impact or negative stereotyping.

Or it may reveal that differential treatment is required in order to ameliorate the actual situation of the applicant group. [ 54 ] In assessing whether an impugned provision promotes or perpetuates disadvantage and stereotyping, the Supreme Court has suggested that four contextual factors can be helpful (see generally Law , above, at paragraphs 62–75; Kapp , above, at paragraph 19 ): 1- Pre-existing disadvantage, stereotyping, prejudice, or vulnerability experienced by the individual or group at issue; 2- The relationship or correspondence between the ground(

s) on which the claim is based and the actual need, capacity, or circumstances of the applicant or others; 3- The ameliorative effects of the impugned legislation upon a more disadvantaged person or group in society; and 4- The nature and scope of the interest affected by the impugned legislation. [ 55 ] The four contextual factors are not to be used as a rigid template in every case. “A rigid template risks consideration of irrelevant matters on the one hand, or overlooking relevant considerations on the other”: Withler , above, at paragraph 66 ; see also Kapp , above. Rather, the four contextual factors are to be used as a helpful guide in the analysis.

(2) The special context of social benefits legislation [ 56 ] Social benefits legislation, like the Plan , is aimed at ameliorating the conditions of particular groups. However, social reality is complex: groups intersect and within groups, individuals have different needs and circumstances, some pressing, some not so pressing depending on situations of nearly infinite variety.

Accordingly, courts should not demand “that legislation must always correspond perfectly with social reality in order to comply with s. 15(1) of the Charter ”: Law , above, at paragraph 105. [ 57 ] This context means that distinctions arising under social benefits legislation will not lightly be found to be discriminatory. The Supreme Court has confirmed this over and over again. [ 58 ] Courts cannot insist on “[p]erfect correspondence between a benefit program and the actual needs and circumstances of the claimant group”.

While exclusion from participation in benefits programs “attracts sympathy”, the “inability of a given social program to meet the needs of each and every individual does not permit us to conclude that the program failed to correspond to the actual needs and

circumstances of the affected group.” See Gosselin v. Quebec (Attorney General), 2002 SCC 84, [2202] 4 S.C.R. 429, at paragraph 55. [59] Accordingly, one cannot simply conclude there is a

section 15 violation from the fact that social benefits legislation leaves agroup, even a vulnerable group, outside the benefits scheme (Gosselin, above, at paragraph 55): The fact that some people may fall through the program’s cracks does not show that the law fails to consider the overall needs andcircumstances of the group of individuals affected, or that all distinctions contained in the law amount to discrimination in the substantivesense intended by s. 15(1). [60] In Withler, above, the Supreme Court held that the assessment whether social benefits legislation offends

section 15 must beconducted sensitively, keeping front of mind the social challenges the architects of the legislation attempted to solve (at paragraph 67): In cases involving a pension benefits program such as this case, the contextual inquiry at the second step of the s. 15(1) analysis willtypically focus on the purpose of the provision that is alleged to discriminate, viewed in the broader context of the scheme as a whole.Whom did the legislature intend to benefit and why?

In determining whether the distinction perpetuates prejudice or stereotypes aparticular group, the court will take into account the fact that such programs are designed to benefit a number of different groups andnecessarily draw lines on factors like age. It will ask whether the lines drawn are generally appropriate, having regard to thecircumstances of the persons impacted and the objects of the scheme. Perfect correspondence between a benefit program and the actualneeds and circumstances of the applicant group is not required.

Allocation of resources and particular policy goals that the legislaturemay be seeking to achieve may also be considered.

See paragraphs 38 and 66 of Withler for further admonitions by the Supreme Court that some margin of appreciation should be givenwhen assessing whether social benefits legislation is discriminatory. [61] In light of these considerations, the Supreme Court on occasion has required that something quite discernable or concrete, such asan illegitimate “singling out” of a particular group, must be present before social benefits legislation will be adjudged to bediscriminatory (Auton, above, at paragraph 41): It is not open to Parliament or a legislature to enact a law whose policy objectives and provisions single out a disadvantaged group forinferior treatment: Corbiere v.

Canada (Minister of Indian and Northern Affairs), (SCC), [1999] 2 S.C.R. 203. On theother hand, a legislative choice not to accord a particular benefit absent demonstration of discriminatory purpose, policy or effect doesnot offend this principle and does not give rise to s. 15(1) review. This Court has repeatedly held that the legislature is under noobligation to create a particular benefit.

It is free to target the social programs it wishes to fund as a matter of public policy, provided thebenefit itself is not conferred in a discriminatory manner. … [62] Another indicium of discrimination is an inconsistency between the purpose of the legislative scheme and the provision said to bediscriminatory (Auton, above, at paragraph 42): Where stereotyping of persons belonging to a group is at issue, assessing whether a statutory definition that excludes a group isdiscriminatory, as opposed to being the legitimate exercise of legislative power in defining a benefit, involves consideration of thepurpose of the legislative scheme which confers the benefit and the overall needs it seeks to meet.

If a benefit program excludes aparticular group in a way that undercuts the overall purpose of the program, then it is likely to be discriminatory: it amounts to anarbitrary exclusion of a particular group. If, on the other hand, the exclusion is consistent with the overarching purpose and scheme of thelegislation, it is unlikely to be discriminatory. Thus, the question is whether the excluded benefit is one that falls within the generalscheme of benefits and needs which the legislative scheme is intended to address. [63] However, the finding of an inconsistency is not enough.

Courts must bear in mind that “[c]rafting a social assistance plan to meetthe needs of young adults is a complex problem, for which there is no perfect solution” and “[n]o matter what measures the governmentadopts, there will always be some individuals for whom a different set of measures might have been preferable”: Gosselin, above, atparagraph 55. [64] Put another way, at a general level, social benefits programs often are expressed in a complex web of interwoven provisions.Altering one filament of the Web can disrupt related filaments in unexpected ways, with considerable damage to legitimate governmentalinterests.

This Court said as much in Krock v. Canada (Attorney General), 2001 FCA 188, 29 C.C.L.I. (3d) 55, at paragraph 11: When presented with an argument that a complex statutory benefit scheme, such as unemployment insurance, has a differential adverseeffect on some applicants contrary to

section 15, the Court is not concerned with the desirability of extending the benefits in the mannersought. In the design of social benefit programs, priorities must be set, a task for which Parliament is better suited than the courts, andthe Constitution should not be regarded as requiring judicial fine-tuning of the legislative scheme. [65] “Constitutional tinkering with complex, interlocking statutory provisions” in order “to cure an apparent arbitrariness in theoperation of a justifiable cut-off in a benefits scheme” is “likely to create unforeseen anomalies of its own”: Nishri v.

Canada, 2001 FCA115, [2001] CLLC 240-002, at paragraph 43. [66] For this reason, the Supreme Court has emphasized that it will not rewrite the terms of benefits legislation or adjust qualifyingprovisions in it unless it has been established that discrimination is present: Hodge v. Canada (Minister of Human ResourcesDevelopment), 2004 SCC 65, [2004] 3 S.C.R. 357.

(3) The nature of the Plan [67] The nature of the Plan is an important part of the context in which the applicant’s challenge must be assessed. Care must be takennot to transform the Plan into something it is not and was never intended to be. [68] At paragraph 91 of her memorandum of fact and law, the applicant describes the Plan as being part of Canada’s “social system”.

Insofar as the applicant suggests the Plan is a general social welfare regime intended to bestow benefits upon all, I disagree. [69] Some general statements about the Plan are apposite. The Plan is not supposed to meet everyone’s needs. Instead, it is acontributory plan that provides partial earnings-replacement in certain technically defined circumstances. It is designed to besupplemented by private pension plans, private savings, or both. See Granovsky v.

Canada (Minister of Employment and Immigration),2000 SCC 28, [2000] 1 S.C.R. 703, at paragraph 9. [70] Indeed, it cannot even be said that the Plan is intended to bestow benefits upon demographic groups of one sort or another.Instead, it is best regarded as a contributory-based compulsory insurance and pension scheme designed to provide some assistance—farfrom complete assistance—to those who satisfy the technical qualification criteria. [71] Like an insurance scheme, benefits are payable on the basis of highly technical qualification criteria.

Based on personalcircumstances, some can make contributions, others not. [72] Benefits are paid from direct contributions of employees, employers, and monies earned from the investment of contributoryfunds not required to pay current benefits. As a general matter, the quantum of benefits under the Plan is related to earnings. Like mostinsurance schemes, over time some contributors get significant benefits and can say they got their money’s worth in terms of benefitsreceived.

Others, due to their personal circumstances, can contribute for years and get little in return. [73] Far from providing universal welfare benefits, writ large, the Plan provides six specific benefits: retirement pension, disabilitypension, death benefits, survivor’s pension, disabled contributor’s child benefits, and benefits for the child of a deceased contributor.What’s more, the Plan was never intended to meet all needs of persons receiving those benefits, but rather was designed to provide onlypartial benefits. [74] In the words of the Supreme Court (Granovsky, above, at paragraph 9): The [Plan] was designed to provide social insurance for Canadians who experience a loss of earnings due to retirement, disability, or thedeath of a wage-earning spouse or parent.

It is not a social welfare scheme. It is a contributory plan in which Parliament has defined boththe benefits and the terms of entitlement, including the level and duration of an applicant’s financial contribution.

(4) Application of these principles to the facts of this case [75] In my view, the applicant’s

section 15 challenge must fail. Based on the foregoing

summary of the law, there are a number ofreasons for this. – I – [76] The applicant alleges that the impugned provisions have a disproportionately negative impact upon women. In making out thisclaim, an indirect discrimination claim, the applicant must adduce evidence showing that the impugned provision is responsible for theeffect, not other circumstances: Canada (Attorney General) v. Lesiuk, 2003 FCA 3, [2003] 2 F.C. 697. We cannot just assume that theimpugned provision is responsible (Symes v.

Canada, (SCC), [1993] 4 S.C.R. 695, at pages 764 and 765): If the adverse effects analysis is to be coherent, it must not assume a statutory provision has an effect which is not proved. We must takecare to distinguish between effects which are wholly caused, or are contributed to, by an impugned provision, and those socialcircumstances which exist independently of such a provision. [77] The applicant asserts there is a relationship between her gender and failing to meet the contributory requirements of the Plan.

Butat one time she did meet the contributory requirements of the Plan, having made contributions for five years out of the ten between 1988and 1997, and that gave her a MQP of December 31, 1997. At later dates, on the “four of six” rule, she failed to meet the contributoryrequirements of the Plan not because she was a woman, but because of her personal circumstances. [78] For example, had the applicant not decided to take two years off to study and, instead, made the requisite level of Plancontributions in those years, she would have qualified for benefits.

Indeed, had she elected to pursue a one-year study program ratherthan two, and had she made the requisite level of Plan contributions in that year, she would have qualified for benefits.

Further, had shereturned to work in 1997, 1998 and the first part of 1999, her MQP would have shifted to the end of 1999 and she would have qualifiedfor disability benefits. [79] Indeed, if one were to ask in this case why the applicant did not receive disability benefits, the answer would not be“discriminatory legislative provisions in the Plan”, but rather the confluence of circumstances unique to the applicant and not shared bymany women at all.

The circumstances unique to the applicant include her decision to take two years off to study, the timing of thatstudy period, her decision not to work for part of the year in those two study years resulting in a lack of contribution in those years, thefact that her child was not born towards the end of the year, and the fact that her medical condition deteriorated to the point of“disability”, as that is defined in the Plan, only later. [80] In the case of

section 19 of the Plan, proration is allowed in some circumstances but not in others. The applicant has not shownthat these circumstances are related to an enumerated or analogous ground. Without evidence such as that, the Court cannot tell whethersection 19 has contributed to or caused an adverse effect upon women: Nadeau v. M.N.R., 2003 FCA 400, [2004] 1 F.C.R. 587, atparagraphs 37–39. [81] It is true that there is evidence in the record to suggest that women face a disproportionate burden of leaving the workforce tocare for a young child.

But the applicant has not established that the impugned provisions cause or contribute to that burden. Indeed,evidence in the record shows that for many women, leaving the workforce to care for a child is a temporary event that does notdefinitively end the contributory period: see appeal book, at pages 483 and 664.

[ 82 ] The applicant argues that the statutory provisions have the effect of making it easier for the father of the child than the mother to take advantage of the benefit of the CRDO provisions. This is because a father can elect to cease work to care for the child after meeting the contribution requirement for that year, while a mother is limited by the timing of the child’s birth. [ 83 ] This argument does not establish discrimination for the purpose of

section 15. For one thing, in order to be eligible to the benefit of the CRDO provisions, the father would have to rebut the presumption that the mother is the primary caregiver of the child.

And for another, this differential impact in the operation of the impugned provisions of this complex statutory scheme does not satisfy the essential elements of discrimination in the constitutional sense that I have described in these reasons. – II – [ 84 ] When a person is denied benefits under a complex and intricate social benefits scheme such as this, one does not conclude that the person is not an equal member of Canadian society, is deserving of less worth, or does not belong with the rest of us.

One concludes that, like so many others, the person did not get benefits under a non-universal scheme because technical qualification requirements were not met. That is the case here. [ 85 ] As the cases, above, demonstrate, there must be something more that takes the case outside of being a mere artifact of a complex benefits scheme and into the realm of discrimination. For example, an invidious singling out of a category of person for detrimental treatment might trigger a finding of discrimination.

That is not the case here. [ 86 ] The fact that in this circumstance the Plan treats the applicant differently from others is best seen as an artifact of a complex and intricate scheme with many eligibility and qualification rules, rather than a singling out of her, or persons like her, for different treatment, as was described in Auton , above. [ 87 ] Indeed, the analysis, above, shows that a detrimental effect is caused upon only some women, namely the women in the applicant’s highly unusual circumstance, with her particular contribution history.

It does not affect all women, not even all women who have a child. [ 88 ] This underscores the finding, above, that the Plan does not “single out” women in an invidious way. Nor is there “discriminatory purpose, policy or effect” of the sort said to be required in Auton , above, at paragraph 41.

Rather, the detrimental effect caused on the applicant—a member of a very narrow class of women—is a consequence of the interaction of complicated rules within a complicated scheme that is not a general social welfare scheme available to all in every circumstance. [ 89 ] One cannot help but have tremendous sympathy for the applicant and the plight she finds herself in. A different set of rules or conditions under the Plan might be preferable. However, the Plan cannot meet the circumstances of every contributor in every conceivable situation. Its failure to do so, by itself, does not mean that the Plan violates

section 15. – III – [ 90 ] There is another way of putting the point made in the previous section. [ 91 ] The applicant’s failure to meet the contributory requirements at a date later than her established minimum qualifying period was as a result of the specific factual circumstances of her case and not on the basis of any distinction made between her and others under the Plan .

The provisions do not create a distinction between her and others on the basis of an enumerated and analogous ground of discrimination. [ 92 ] One could say that the true point of complaint by the applicant is the operation of the CRDO provisions in cases where a woman gives birth early in the calendar year, thus reducing the number of months in the year of birth in which to make valid contributions under the Plan . This is shown by the fact that the applicant would have demonstrated sufficient workplace attachment had she given birth in, say, December 1996 or September1997.

In short, on the applicant’s view of the matter, the CRDO provisions do not kick in soon enough. [ 93 ] The month in which a child is born is not an enumerated or analogous ground under

section 15 of the Charter , nor is it a personal characteristic upon which the applicant was denied a benefit under the Plan . – IV – [ 94 ] We are to assess “whether the lines drawn are generally appropriate, having regard to the circumstances of the persons impacted and the objects of the scheme” and we need not insist on “[p]erfect correspondence between a benefit program and the actual needs and circumstances of the applicant group”: Withler , above, at paragraph 67 . [ 95 ] In my view, the lines drawn are generally appropriate.

And in the words of Auton , quoted above [at paragraph 42], the Plan does not impact women “in a way that undercuts the overall purpose of the program”, nor does it single out women in any invidious way. Rather, this particular woman, owing to her particular circumstances—some of which were in her control and others not—simply does not qualify under the technical criteria of the Plan. – V – [ 96 ] The evidence before us shows that women have historically suffered from social and economic disadvantage concerning child rearing. However, the CRDO provisions and the proration provision in

section 19 of the Plan do not contribute to or worsen any pre- existing disadvantage for the applicant, nor do they worsen any pre-existing disadvantage for women in general. Nor are they based on any stereotypes of women. [ 97 ] In this regard, the case at bar bears a resemblance to Nishri , above. In that case, this Court rejected a claim that a statutory cap on parental benefits under the Employment Insurance Act [S.C. 1996, c. 23] was discriminatory. Even if the statutory cap adversely affected

women, this Court held (at paragraph 40) that the cap could not “reasonably be regarded as pernicious stereotyping or the denial of a birth mother’s worth”. [ 98 ] This case also is similar to Lesiuk , above, where a female applicant was denied benefits under the Employment Insurance Act . In order to receive benefits, she had to have worked 700 hours within a particular qualification period. She fell just 3 hours short because of childbirth. [ 99 ] This Court rejected her claim that the 700-hour requirement was discriminatory against women.

Any reasonable person looking at her case would conclude that an “unfortunate confluence of events” had conspired to defeat her claim, not discriminatory legislative standards (at paragraph 45): These requirements do not create or reinforce a stereotype that women should stay home and care for children. Nor do these requirements affect the dignity of women by suggesting that their work is less worthy of recognition. Anyone who works the requisite number of hours in their qualifying period will qualify.

It would stretch reason to imagine that reasonable persons in the respondent’s situation would feel themselves any less valuable as a worker or as a member of society by the mere fact of having narrowly fallen short of qualifying for EI benefits in a given year. Rather, I would imagine that a reasonable person would simply feel that they had narrowly missed qualifying because of an unfortunate confluence of events. [ 100 ] Bound as I am by these cases, I must apply them to the circumstances of the applicant’s case.

As in Lesiuk [at paragraph 45] , regrettably she is denied benefits because of an “unfortunate confluence of events”, not discriminatory legislative standards. – VI – [ 101 ] Far from being detrimental, the impugned provisions are best regarded as ameliorative. [ 102 ] The CRDO provisions are aimed at accommodating and assisting those who stay at home because of child-rearing responsibilities. Most who leave the workforce to care for young children are women and they often suffer economically as a result.

In the words of the applicant’s expert, the CRDO provisions “came into force to accommodate the needs of female workers who were more likely to experience a work history that includes disruption to their labour force participation”: appeal book, at page 481. [ 103 ] Other expert evidence before us shows that women benefit from this provision more than men: appeal book, at page 889. Forty- five point nine percent of women have the CRDO provisions applied to the calculation of their retirement benefits, as opposed to 0.3 percent of men: appeal book, at page 471.

From this, we see that women are 153 times more likely than men to rely upon the CRDO provisions in the calculation of their retirement benefits: appeal book, at page 482. The operation of the CRDO provisions positively affects 53 percent of female retirement beneficiaries and 66 percent of female disability beneficiaries. In the case of retirement benefits, a woman who takes advantage of CRDO on average receives benefits that are 24 percent higher. In the case of disability benefits, a woman who takes advantage of the CRDO provisions on average receives benefits that are 7 percent higher.

This shows that the CRDO provisions actually mitigate the social disadvantage women may face when they withdraw from the workforce to care for young children. [ 104 ] Those who stay at home rearing children usually earn little or no income. Since pension benefits are calculated in part on the basis of a person’s average pensionable earnings, the person primarily responsible for child rearing—usually a woman—is at risk of receiving lower pension benefits.

Seen against this backdrop, the CRDO provisions are ameliorative: in certain circumstances it excludes from the calculation of benefits years of little or no income due to child rearing. [ 105 ] Put another way, the CRDO provisions reflect the recognition that both partners in a family contribute equally in their role as a partner and a parent.

The CRDO provisions recognize that both partners in a union may not be participating in the workforce to the same extent and so some protection is needed in order to protect eligibility for, and the level of, Plan benefits eventually paid to such a contributor. [ 106 ] Under the CRDO provisions, parents can remove from their contributory periods under the Plan time spent caring for young children. In this way, the CRDO provisions ensure that parents who leave or reduce their workforce participation to raise preschool age children are not penalized in determining future pension benefits: Harris v.

Canada (Minister of Human Resources and Skills Development) , 2009 FCA 22 , [2009] 4 F.C.R. 330, at paragraphs 89 and 101 . [ 107 ] Indeed, I would note that the CRDO provisions operate to favour women because of related provisions that have the effect of presumptively considering them, not men, the primary caregivers in certain circumstances: Income Tax Act , R.S.C., 1985 (5th Supp.), c. 1, paragraph 122.6( f ), incorporated by reference in the Plan Regulations. [ 108 ] On the whole, the CRDO provisions fit alongside a number of other features of the Plan that are designed to protect the financial well-being of women.

These include provisions dealing with credit-splitting upon separation, divorce or the dissolution of a common-law union, the assignment of the retirement pension between spouses and common-law partners, and survivors’ benefits. [ 109 ] The proration provision under

section 19 of the Plan is intended to ensure that where a contributory period ends by virtue of advanced age, disability, entitlement to certain retirement provisions or death, a person is not disadvantaged by virtue of the fact that they could not work and contribute under the Plan for any month after that event. This, too, is ameliorative. [ 110 ] On the basis of the authorities canvassed above, particularly Withler , above, at paragraphs 38 and 45 , the ameliorative nature of the CRDO provisions and the proration provision in

section 19 leads to the conclusion that the applicant has not established the presence of discrimination. – VII – [ 111 ] Indeed, the fact that the CRDO provisions and the proration provision in

section 19 of the Plan are ameliorative in nature may

have other consequences for the

section 15 analysis. To the extent that they are aimed at ameliorating or remedying the condition ofwomen, a subsection 15(1) enumerated group, they may be said to be a “law, program or activity” within the meaning of subsection15(2). In such a case, they cannot be found to be discriminatory under subsection 15(1): Kapp, above, at paragraph 41; Lovelace v.Ontario, 2000 SCC 37, [2000] 1 S.C.R. 950, at paragraphs 84–87. – VIII – [112] The applicant cites Vriend v. Alberta, (SCC), [1998] 1 S.C.R. 493, for the proposition that underinclusivelegislation can be discriminatory.

She submits that Vriend is on all fours with her case. [113] But Vriend is distinguishable. Vriend concerned the exclusion of a ground—sexual orientation—from a general anti-discrimination scheme. The Act gave a wide benefit—protection from discrimination on a number of grounds—to most people whiledenying it to persons having same-sex orientation. [114] Here, the Plan does not bestow a general benefit of proration. Instead,

section 19 of the Plan prorates the basic exemption in alimited set of circumstances. – IX – [115] Finally, I note that the foregoing analysis is consistent with that adopted in Runchey v. Canada (Attorney General), 2013 FCA 16,[2014] 3 F.C.R. 227, a decision released by this Court after argument in this appeal. E. Proposed disposition [116] For the foregoing reasons, I conclude that the impugned provisions do not infringe

section 15 of the Charter. Therefore, I woulddismiss the applicant’s application for judicial review. The respondent Crown does not seek its costs and so none shall be awarded. Evans, J.A.: I agree. Webb, J.A.: I agree.