The Gazette from Montreal, Quebec, Canada • 13

AU NATION Seniors' incomes are on the rise for now THE GAZETTE, MONTREAL, THURSDAY, AUGUST 7. 1997 Incomefor seniors by city Husbarxandrte families Ottawa had tr highest serwr-farroty income in Canada, with a combned irome of $52,300. Median Income, 1995 Single sentor Husband and wife The government pension system must be there for them, Marshall said. Clark said the new seniors benefit could reduce the gap between high-and low-income seniors after it comes into effect in 2001. The new benefit, which combines the OAS and the Guaranteed Income Supplement, will provide slightly higher benefits for seniors with a total family income of less than $40,000.

OTTAWA CITIZEN temporary; contract and other work that does not include benefits means only about 40 par cent of today's wcrk-ers have pensions from private employers or governments, down from about 47 per cent in the mid 1980s, "Some seniors will have had careers that include steady good jobs with lots of benefits and they will be relatively secure with their company pensions," he said. "But a growing proportion of people don't fall into that model" Ottawa Victoria London CRTC public notice Canada Public Notice CRTC 1997-100. The CRTC has received the following aoolications: 2. QUEBEC CITY AND MONTREAL Oc Applications by TVA CANWEST UMITED PARTNERSHIP to amend the licence of CKMI-TV Quebec City by changing the channel and the effective radiated power for CKMI-TV Quebec City, from channel 5 with an effective radiated power of 13.850 to channel 20 with an effective radiated power of 20.200 watts; and by changing the channel and the effective radiated power of the transmitter at Montreal, from channel 678 with an effective radiated power of 4.980 watts to channel 46 with an effective radiated power of 4.850 watts EXAMINATION OF APPUCATI0NS: 1000 Myrand St. Samte-Foy; and Global Quebec, 1411 Peel Suite 700, Montreal, Qc.

The complete text of this application is available through the Public Examination Room of the CRTC in Hull, 1819) 997-2429. and through the CRTC office in Montreal: 1514) 283-6607. Written interventions must be filed with the Secretary General. CRTC. Ottawa.

Ont K1A 0N2, with proof that a copy has been served on the applicant on Jir hefor828 August 1997 for more information on the intervention process, you may call the CRTC Public Affairs in Hull at (819) 997-0313, Fax (819) 994-0218. TDD (819) 994-0423. or by consulting our Internet site: http:www.crtc gc.ca. The public notice is available in alternative format upon request. provides a pretty basic lew) of income." Clark said the higher median income for seniors in Ottawa reflects the generosity of the public-service pension plan, relatively high public-service pax steady employment and the availability of long term good jobs for women.

The Statistics Canada data also show: The median income for all senior husband and-wife families across the country increased gradually to $34,200 in 1995 from $29,900 in 1990. Two-thirds of the 1.5 million single seniors are women. About 2 million seniors live in couples. Almost 12 per cent of all seniors withdrew some money from registered retirement savings plans in 1995. Those age 55 to 65 withdrew an average of $7,595, people age 65 to 74 withdrew an average of $6,054 and those 75 and over withdrew an average of $4,831.

In 1995, investment income made up 15.6 per cent of total income for senior husband-and-wife families. That's up from 14 per cent the year before but still far lower than the 26 per cent of total income in 1990. Statistical analysis shows that 33.4 per cent of income for senior husband-and-wife families came from public pen-. sions such as Old Age Security and the Canada Pension Plan. Private pension plans accountedfor21.6 per cent of total income, employment income provided 17 per cent, investment income generated 15.6 per cent and other sources of income accounted for 9.9 per cent Victor Marshall, head of the University of Toronto's Institute for Human Development, Life Course and Aging, said public pensions such as the CPP and OAS will be more important than ever as the nature of work changes and availability of employer-sponsored pension plans declines.

The growth in Halifax gggm Windsor HmMBMaJ 1 1 1 Calgary Hamilton ji1 Vancouver Edmonton 'mnMHI Montreal 'fgggggjggu APRIL UNOGREN Southam Newspapers OTTAWA Seniors incomes rose more than most Canadians' in the mid-1990s, according to new data made public yesterday by Statistics Canada. While the median total income for Canadians age 65 and over increased $800 to $15,600 in 1995, the median for the population in general rose by only $400 to $18,900. The data, based on tax files, shows most of the improvement in seniors' incomes was due to the relatively high interest rates of 1995, which pushed up investment income. Experts say lower interest rates in recent years, combined with fewer employer-sponsored pension benefits and reduced job security, mean the 1995 gains could be short-lived. The 1995 numbers confirmed that seniors on their own have much lower incomes than those who form part of a couple Single seniors had a median income of $15,800 in 1995, less than half the $344200 median for couples.

The data also underlined income disparities across the country. Couples living in Ottawa had the highest median income nationwide at $52,300, significantly higher than second-place Victoria at $43,800. On the low end, the median for a senior couple in St. John's, was $31,900 in 1995. The median is the amount at which half of families have a higher total income and half a lower total income.

Chris Clark of the Canadian Council on Social Development in Ottawa said seniors on their own generally have lower incomes because most are women who did not work enough to accumulate good private or public pensions. "You have a large group of women who have outlived their spouses and are living mostly on the basic in- Canadian Radio-television and Telecommunications Commission Conseil de la radiodiffusion et des telecommunications canadiennes Saint John St Inhn'e -r I I I I I I I I I ITT III THE GATEWAY TO LEARNING Amount at which half of the families have a higher total income and half have lower. Source: Statistics Canada FWMELA BEHNKESoutham Newspapers come-security system, which is Old Age Security, the Guaranteed Income Supplement (for low-income seniors) and the spouses' allowance. Altogether it em PUBLIC NOTICE Canada loto-quebec 2ssE Draw: 97-08-06 3 4 023 1072 TIME FOR AFRESH START! Enrolling in a course or program can make a real change in your life. Why not take the first step today? We offer four user-friendly ways to learn more about Continuing Education at McGill.

Call us anytime at 398-5042 We are here all this week between 9 a.m. and 5 p.m. to answer your questions in person, or leave a message and we'll reply promptly by mail. Return the coupon by mail or fax (398-4448) Check the areas on the coupon that are of interest to you and we will be happy to send you the appropriate information. E-Mail us at infoconted.lan.mcgill.ca Come see us Our Information Office is at 760 Sherbrooke Steet West, just across from McGill's main gates.

Here's an overview of what's available. If you are interested in Fall courses, Act Now! Registration begins 18 August. Public Notice CRTC 1997-102. The CRTC has received the following applications: 1. and 2.

ACROSS CANADA, Applications by CANADIAN SATELLITE COMMUNICATIONS INC. (CANCOM) to amend the licence of the multiple-channel television and radio broadcasting relay distribution undertaking, by adding KSTR an ABC affiliate, and WFTC. a FOX affiliate, and Radio France outre-mer (RF01 1 of Saint Pierre et Miquelon, to the list of signals that it is authorized to distribute and to the list of Part II Eligible Satellite Services, Section (Part II list. Section and the list of Part III Eligible Canadian Satellite Services (Part III Canadian list). EXAMINATION OF APPLICATIONS: 10th 50 Burnhamthorpe Rd.

Mississauga, Ont. The complete text of this application is available through the Public Examination Room of the CRTC in Hull, (819) 997-2429, and through the CRTC office in Montreal: (514) 283-6607. Written interventions must be filed with the Secretary General, CRTC, Ottawa, Ont. K1A 0N2. with proof that a copy has been served on the applicant on or before 29 August 1997.

For more information on the intervention process, you may call the CRTC Public Affairs in Hull at (819) 997-0313, Fax (819) 994-0218, TDD (819) 994-0423, or by consulting our Internet site: http:www.crtc.gc.ca. The public notice is available in alternative format upon request. EOtra Draw: 97-08-06 1 2 31619 28 313 38 43 47 48 52 53 54 56 61 63 66 69 urn Wsmesotr Draw: 97-08-06 NUMBER 624665 Conseil de la radiodiffusion et des telecommunications canadiennes 11 Canadian Radio-television and Telecommunications Commission Claims: See back of tickets. In the event ot discrepancy between this list and the official winning list, the latter shall prevail. BUSINESS AND PROFESSIONAL PROGRAMS AND COURSES Further your career through either a 30-credit graduate level diploma in management, CLEARaJN CE a 15-credit graduate certificate, a 30-credit undergraduate certificate or earn your Bachelor of Commerce studying part-time.

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IW7. Dm nt apply hi pivitnisly punlnixil imn'lwmlisc. Name Addrew City Province Pomlcode Tel. To: McGill Centre for Continuing Education 770 Sherbrooke St. West, Montreal, QC H3A 1G1 Lc centre Eaton de Montreal 844-8498 Centre Rockland Ville Mont-Royal 344-4688 Centre Fairview Pointe Claire 694-4266 Le Carrefour 978-5362 Les Galeries d'Artjou 352-7696 Les Promenades St-Bruno 44 1 -0987 Ville de Quebec Les Galeries de la Capitale 624-0805 Place Ste-Foy 651-7664 McGill Centre for CONTINUING EDUCATION.