How have the actuarial contingencies for actuarial risk factors been calculated for the purposes of calculating the risk of loss of income?

Dr. Hildebrand also factored in actuarial contingencies for mortality and for discounting the time value of money. As well a positive contingency for real wage growth of one-half percentage per annum was applied for M.Y., and contingencies for mortality were included along with the appropriate inflation and discount rates. A contingency was not included for the potential for labour force withdrawal, unemployment or part-time work because of the conservative estimate of her income. I agree with his assessments with the addition, as noted above, that a positive contingency should be included to take into account the Duncan Estate v. Baddeley, supra award in Alberta.