# 2021-032 Pay and Benefits, Canadian Forces Integrated Relocation Program, Mortgage Default Insurance

Canadian Forces Integrated Relocation Program (CFIRP), Mortgage Default Insurance (MDI)

Case summary

F&R Date: 2021-07-26

The grievor argued that Brookfield Global Relocation Service (BGRS) implied that his Mortgage Default Insurance (MDI) would be reimbursed. The grievor relied on this information to purchase a residence. As redress, the grievor requested reimbursement of the full MDI amount. 

The Initial Authority (IA) found that, since the grievor was a renter at origin, he was entitled to reimbursement of the MDI benefit from the Custom envelope, as per article 8.3 of the Canadian Forces Integrated Relocation Program (CFIRP) Directive. However, the grievor exhausted the Custom funding available to him. As such, the IA determined that the grievor could not be reimbursed for the MDI. The IA did not afford redress. 

The Committee found that BGRS did not provide the grievor with inaccurate information. The Committee also found that the grievor was only eligible for reimbursement of his MDI costs from the Custom envelope and the benefit was administered in accordance with the CFIRP Directive. The Committee recommended that the Final Authority not afford redress.  

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