# 2021-106 Pay and Benefits, Canadian Forces Integrated Relocation Program, Mortgage Default Insurance, Relocation, Relocation Benefits

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

Case summary

F&R Date: 2021-05-20

The grievor argued that he should be reimbursed the full cost of the Mortgage Default Insurance (MDI) from the Core envelope rather than the Custom envelope, upon purchasing a home on his posting. The grievor stated that not selling a home at origin, on posting, should be irrelevant. The grievor requested the full amount of the MDI be reimbursed. 

The Initial Authority (IA) cited article 8.3.10 of the Canadian Forces Integrated Relocation Policy (CFIRP) Directive, effective 19 April 2018. It prescribes the circumstances under which a Canadian Armed Forces member will be entitled for reimbursement of the MDI premium and whether reimbursement will be from the Core or Custom benefit. The IA noted that the grievor was a renter prior to purchasing the residence at his new posting location. As such, the MDI reimbursement eligibility is limited to available funds in his Custom envelope. The IA determined that the grievor was treated in accordance with policy and did not afford redress.

The Committee found that because the grievor was a renter at origin, he was only eligible for reimbursement of his MDI cost from the Custom benefit, as per article 8.3.10 of the CFIRP Directive. As such, the Committee concluded the grievor had been treated in accordance with the CFIRP Directive.  

The Committee recommended that the Final Authority not afford the grievor redress. 

FA decision summary

The Chief of the Defence Staff (CDS) agreed with the Committee's findings and recommendation. The CDS determined that the grievor had not been aggrieved and declined to grant redress.

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