Last Update: April 8, 2020
The Coronavirus disease (COVID-19) outbreak is causing drastic amounts of stress and uncertainty for everyone. We recently shared a post with ideas and resources to help deal with the anxiety, but there are many other concerns Canadian IT contractors are dealing with every day.
The Federal Government and various Provincial Governments are all taking measures and implementing programs to help Canadians through difficult times. We’re collecting these updates as they’re announced and posting them to this page.
Feel free to bookmark this page and check back often. If you have any questions, require more information, or have a lead on some support that we missed, please leave them in the comments below.
If you have lost income because of COVID-19, the Canada Emergency Response Benefit (CERB) will provide you with $500 a week for up to 16 weeks. The Benefit is taxable although tax will not be deducted at source. You will be expected to report the Benfit as income when you file your income tax for the 2020 tax year.
Are you Eligible for the CERB?
To be eligible, you must:
- Be residing in Canada
- Be at least 15 years old
- Stopped working as a result of reasons related to COVID-19 (if you are looking for a job but haven’t stopped working because of COVID-19, you are not eligible for the Benefit) or are eligible for Employment Insurance regular or sickness benefits
- Have had income of at least $5,000 in 2019 or in the 12 months prior to the date of application. That income may be from any or a combination of the following sources: employment; self-employment; maternity and parental benefits and/or similar benefits paid in Quebec.
- Be, or expect to be, without employment or self-employment income for at least 14 consecutive days in the initial four-week period.
How to Apply for the CERB
You can apply for the CERB here.
Applications for the CERB will be accepted starting April 6th and you will require a CRA My Account. The link above includes resources for setting up your account, including retriving your password, setting up an account through your My Service Canada account or setting one up from scratch. To help manage the demand, applications are being accepted based on your month of birth:
Contacting Service Canada
Service Canada is temporarily closing in-person Service Canada Centres to allow them to better prioritize capacity and to ensure critical service delivery to vulnerable clients. You can apply for critical services online and Citizen Service Officers will be providing personalized service support for EI and pensions applications through an e-service available online and on mobile phone. To support access to critical programs and services for clients without access to technology, Service Canada Community Outreach and Liaison Service staff are contacting communities to offer alternate service delivery methods that will continue to support accessing critical programs, services and benefits. Service Canada is also warning that call volumes are expected to be high for the foreseeable future. Please visit Canada.ca for information. If you have difficultly getting through, please try again later
Eligible working Albertans can receive a one-time emergency isolation support payment of $1,146 if they are required to self-isolate or are the sole caregiver of someone in self-isolation and they have no other source of pay or compensation. This is a temporary program to bridge the gap until the Federal Emergency Care Benefit is available in April. If you are eligible for federal Employment Insurance benefits, you are strongly encouraged to apply immediately.
This program, offered by the Gouvernement du Québec in partnership with the Red Cross, offers financial assistance to meet the needs of workers who, because they are in isolation to counter the propagation of the COVID-19 virus, cannot earn all of their work income and are not eligible for another financial assistance program, including EI. The lump-sum amount granted to an eligible person is $573 per week, for a period of 14 days of isolation. If justified by your state of health, the coverage period for an eligible person could be extended to a maximum of 28 days. Workers can start by filling out the application form here.
British Columbia Emergency Benefit for Workers
The B.C. Emergency Benefit for Workers will provide a one-time $1,000 payment to people who lost income because of COVID-19. Applications for the one-time payment will open soon.
Deferred Due Date for Taxes
Canada Revenue Agency is deferring the filing due date for individuals until June 1st. Furthermore, the CRA will allow all taxpayers to defer, until after August 31, 2020, the payment of any income tax amounts that become owing right now and before September 2020.
This is a three-month measure that will allow eligible employers to reduce the amount of payroll deductions required to be remitted to the CRA. Incorporated independent contractors who pay themselves a salary may qualify for this. The subsidy is equal to 75% of the remuneration you pay, retroactive to March 15, 2020, up to $847 per employee per week. To qualify, employers will have to show that their revenues have fallen by at least 30 per cent due to COVID-19. The Prime Minister did warn that companies that can pay their employees without federal help should do so or else serious consequences will follow.
Once you have calculated your subsidy, you can reduce your current remittance of federal, provincial, or territorial income tax that you send to the CRA by the amount of the subsidy. You cannot reduce your remittance of CPP contributions or EI premiums. This does not apply to remittances made to Revenu Québec. Eagle recommends discussing this option with your accountant.
Mortgage and Credit Relief at Banks
Banks in Canada have affirmed their commitment to working with customers to provide flexible solutions, on a case-by-case basis. This includes up to a 6-month payment deferral for mortgages and opportunity for relief on other credit products. Contact your local bank branch if you require any assistance.
Job Protected Leave
Most provinces have implemented protected leave for workers who need to take time off to due to quarantines or COVID-19 illnesses. In Alberta, this does not require a doctor’s note nor is there a requirement to have worked for an employer for 90 days. The leave covers the 14-day self-isolation period recommended by Alberta’s chief medical officer and may be extended if the advice of the chief medical officer changes. Similarly, in Ontario, employees are not be required to provide a medical note if they take the leave and the measures would be retroactive to January 25, 2020. In BC, the COVID-19 leave is retroactive to January 27, 2020, the date that the first presumptive COVID-19 case was confirmed in British Columbia. During this public health emergency, employees can take this job-protected leave for the reasons above as long as they need it, without putting their job at risk.
The Government is proposing to increase the maximum annual Canada Child Benefit (CCB) payment amounts, only for the 2019-20 benefit year, by $300 per child. The overall increase for families receiving CCB will be approximately $550 on average; these families will receive an extra $300 per child as part of their May payment.
In the Province of Ontario, the government is providing a one-time payment of $200 per child up to 12 years of age, and $250 for those with special needs, including children enrolled in private schools.
Ontario Renewal Extensions
The province of Ontario is providing extensions for driver licences, licence plate validation, Ontario Photo Cards, and Commercial Vehicle Operator Registration certificates, among others. In addition, expiring and expired health cards will continue to provide access to health services.
This extension will be in place until such time that, based on the advice of Ontario’s Chief Medical Officer of Health and public health officials, the current situation improves.
Alberta Utility Payment Holidays
In Alberta, residential customers can defer electricity and natural gas bill payments for the next 90 days to ensure no one will be cut off, regardless of the service provider.
Relief from the Ontario Energy Board
The OEB extended the winter ban on electricity disconnections for non-payment for all residential customers to July 31, 2020. Low-volume, small business customers will now also be protected by the ban. In addition, the OEB is calling on distributors to be more flexible on arrears payment arrangements. The Ontario Ministry of Energy, Northern Development and Mines is looking at programs and policies to support electricity customers during the COVID-19 pandemic and information should be coming shortly.
- Government of Canada Coronavirus Information Page
- Canada’s COVID-19 Economic Response Plan: Support for Canadians and Businesses
- COVID-19 Provincial Support and Information in BC
- COVID-19 Supports for Albertans
- Ontario’s Updates on the 2019 Novel Coronavirus (COVID-19)
- Province of Manitoba’s COVID-19 Information Page
- Situation of the Coronavirus (COVID-19) in Québec
- Government of Canada COVID-19 Symptom Self-Assessment Tool
- COVID-19: Provincial health hotlines and telehealth options (compiled by ITWorld Canada)
- Summary of Benefits and How to Get Help (Compiled by Jennifer Robson, Associate Professor of Political Management, Carleton University using public information.)