This website has been adapted from information compiled and published freely by Dr. Jennifer Robson, Associate Professor of Political Management at Carleton University. You can read the original document here: https://t.co/m0dXFYIZwk?amp=1. Dr. Robson is not affiliated with this website or its publishers.
Any errors or omissions in adapting Dr. Robson’s information are the sole responsibility of AidGuide.ca.

Updated April 28, 2020
Coming soon: Details on the temporary wage subsidy, support for seniors and updates on CERB & EI.

En raison de ressources limitées, les bénévoles qui ont construit ce site Web ont traduit le contenu en français à l’aide de Weglot Translate. Nous nous excusons à l’avance si la traduction n’est pas parfaite.

Did you pay into Employment Insurance and did you work at least 600 hours in the last 52 weeks?

YES

NO

Have you already applied for EI?

NO

YES

NO

 

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI SICKNESS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

If you are asked to apply through Service Canada, see the information below. You will still get the same $500 per week for 4 weeks as those who apply through the CRA.

AS OF APRIL 6: TO GET CERB, YOU APPLY FOR EI SICKNESS

Step 1: Ask your employer for a RECORD OF EMPLOYMENT. They will either give you a paper copy or send an electronic copy directly to Service Canada.

Step 2: Apply ASAP (even if you don’t have your ROE yet)
If you can apply online (computer or mobile phone) go to: https://srv270.hrdc-drhc.gc.ca/AW/introduction?GoCTemplateCulture=en-CA
If you can’t apply online, call 1-833-381-2725 *This line is overloaded right now. Be patient.

Important to know:

To make applications faster, people are asked to apply on different weekdays based on the month of their birthday.

You DO NOT need a doctor’s note for COVID-19.

SERVICE CANADA OFFICES ARE NOW CLOSED. 

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

You can ask your employer if they offer paid sick leave or will top-up the EI benefit.

If you are not yet receiving EI benefits, your application will automatically be assessed for the Canada Emergency Response Benefit.

You do not need to send in a new application

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI SICKNESS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Step 1: Get ready to apply

If you can apply online (computer or mobile phone) go to and make sure you have a MyAccount with the Canada Revenue Agency: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

If you have direct deposit set-up, you should receive your money in 3-5 business days. Paper cheques will take up to 10 days.

If you can’t apply online, call a dedicated number:
1-800-959-2019
1-800-959-2041 

SERVICE CANADA OFFICES ARE NOW CLOSED.

Important to know:
You DO NOT need a doctor’s note for COVID-19.

To make applications faster, CRA is asking people to apply on different weekdays based on the month of their birthday.

You cannot quit a job to get CERB.

By law, you are eligible if you had at least $5,000 in income from work (employment or self-employment), EI maternity or parental benefits or Quebec’s parental benefits program QPIP in the last year; AND you have had NO income from employment, self-employment, any EI benefit or QPIP for at least 14 days in a row.

You have to re-apply for CERB for each 4 week period. The government is saying you cannot get CERB if you have any work income for those other periods.

You can get or renew CERB even if you have up to $1,000 in income from work (including self-employment, tips, or dividends).

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

What you could receive:

15 weeks of payments (directly into your bank account) worth up to 55% of your usual pay or $573 per week, whichever is less.

CERB will pay $500 per week for 4 weeks at a time. You’ll have to pay income tax on it later. 

What you could receive:

Lump sum of $2,000 for every 4 weeks that you are eligible, to a maximum of 16 weeks between March 15 (retroactive) and October 3, 2020. You’ll have to pay income tax on it later. 
Find out more: https://www.canada.ca/en/department-finance/economic-response-plan.html

 

Did you pay into Employment Insurance and did you work at least 600 hours in the last 52 weeks?

Yes and I’m caring for someone who is critically ill

No, but I’m still caring for someone who is critically ill

 

You could apply for EI Caregiver Benefits (if someone is critically ill) See below.

Step 1: Ask your employer for a RECORD OF EMPLOYMENT. They will either give you a paper copy or send an electronic copy directly to Service Canada.

Step 2: Apply ASAP (even if you don’t have your ROE yet)

If you can apply online (computer or mobile phone) go to:

https://srv270.hrdc-drhc.gc.ca/AW/introduction?GoCTemplateCulture=en-CA

If you can’t apply online, call 1-833-381-2725 *This line is overloaded right now. Be patient.

Important to know:

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications, or other federally regulated industries). **SEE LINKS ON THE LAST PAGE

You can ask your employer if they offer paid family leave or will top-up the EI benefit.

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI SICKNESS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Step 1: Get ready to apply

If you can apply online (computer or mobile phone) go to and make sure you have a MyAccount with the Canada Revenue Agency: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

If you have direct deposit set-up, you should receive your money in 3-5 business days. Paper cheques will take up to 10 days.

If you can’t apply online, call a dedicated number:
1-800-959-2019
1-800-959-2041 

Important to know:
You DO NOT need a doctor’s note for COVID-19.

To make applications faster, CRA is asking people to apply on different weekdays based on the month of their birthday.

You cannot quit a job to get CERB.

By law, you are eligible if you had at least $5,000 in income from work (employment or self-employment), EI maternity or parental benefits or Quebec’s parental benefits program QPIP in the last year; AND you have had NO income from employment, self-employment, any EI benefit or QPIP for at least 14 days in a row.

You have to re-apply for CERB for each 4 week period. The government is saying you cannot get CERB if you have any work income for those other periods.

You can get or renew CERB even if you have up to $1,000 in income from work (including self-employment, tips, or dividends).

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

 

 

What you could receive:

Between 15 and 35 weeks of payments (directly into your bank account) worth up to 55% of your usual pay or $573 per week, whichever is less.

Find out more: https://www.canada.ca/en/services/benefits/ei/caregiving/apply.html

What you could receive:

Lump sum of $2,000 for every 4 weeks that you are eligible, to a maximum of 16 weeks between March 15 (retroactive) and October 3, 2020

Did you pay into Employment Insurance and did you work at least 600 hours in the last 52 weeks?

YES

NO

 

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI REGULAR BENEFITS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

If you are asked to apply through Service Canada, see the information below. You will still get the same $500 per week for 4 weeks as those who apply through the CRA.

WILL AUTOMATICALLY BE ASSESSED FOR THE CERB 

Step 1: Ask your employer for a RECORD OF EMPLOYMENT. They will either give you a paper copy or send an electronic copy directly to Service Canada.

Step 2: Apply ASAP (even if you don’t have your ROE yet) If you can apply online (computer or mobile phone) go to:

https://www.canada.ca/en/services/benefits/privacy-notice.html

If you can’t apply online, call 1-800-O-Canada (1-800-622-6232)

Important to know:

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

You’ll have to pay income tax on CERB later.
If you need to, you can move onto EI regular benefits when CERB runs out.

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI SICKNESS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Step 1: Get ready to apply
If you can apply online (computer or mobile phone) go to and make sure you have a MyAccount with the Canada Revenue Agency: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

If you have direct deposit set-up, you should receive your money in 3-5 business days. Paper cheques will take up to 10 days.

If you can’t apply online, call a dedicated number:
1-800-959-2019
1-800-959-2041 

Important to know:
You DO NOT need a doctor’s note for COVID-19.

To make applications faster, CRA is asking people to apply on different weekdays based on the month of their birthday.

You cannot quit a job to get CERB.

By law, you are eligible if you had at least $5,000 in income from work (employment or self-employment), EI maternity or parental benefits or Quebec’s parental benefits program QPIP in the last year; AND you have had NO income from employment, self-employment, any EI benefit or QPIP for at least 14 days in a row.

You have to re-apply for CERB for each 4 week period. The government is saying you cannot get CERB if you have any work income for those other periods.

You can get or renew CERB even if you have up to $1,000 in income from work (including self-employment, tips, or dividends).

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

What you could receive:

Before CERB: Between 14 and 45 weeks of payments (directly into your bank account) worth up to 55% of your pay in your last job or $573 per week, whichever is less.
CERB will pay $500.

Find out more: https://www.canada.ca/en/services/benefits/ei/caregiving/apply.html

What you could receive:

Lump sum of $2,000 for every 4 weeks that you are eligible, to a maximum of 16 weeks between March 15 (retroactive) and October 3, 2020. You’ll have to pay income tax on it later.

*The exact hours depends on where you live. If you have access to a computer or mobile phone, use this search tool to find out the rules where you live:
https://srv129.services.gc.ca/ei_regions/eng/postalcode_search.aspx

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI REGULAR BENEFITS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Step 1: Check your bank account to make sure that you’re getting CCB.
If yes – you’re all set. You’ll be getting an extra payment with your CCB in May. If no – Did you file a tax return for 2018?

Yes I did – If you have a computer or a mobile phone, you can also check to see if you are getting the benefit or apply to get the benefit here: here: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

No I didn’tStep 2: You (and your spouse if you have one) need to file a tax return ASAP and then apply unless CRA already knows you have kids.

If you can file a return by yourself using a computer, look for free software certified by the Canada Revenue Agency: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/netfile-overview/certified-software-netfile-program.html
Have you ever received child benefits before and does CRA know you have kids? If not, after you file your return, if you still have computer or mobile access, apply for the CCB online at: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

If you need help to file your taxes, the agencies that do free income tax clinics are working to find ways to help without breaking public health orders on COVID-19. You can try contacting a clinic near you by searching online at: https://www.canada.ca/en/revenue-agency/services/tax/individuals/community-volunteer-income-tax-program.html or call 1-800-O-Canada (1-800-622-6232)

SERVICE CANADA OFFICES ARE NOW CLOSED

Important to know:

You can prove your identity faster online for tax-filing and applications for the CCB if you use online banking through your bank or credit union.

The tax-filing deadline for 2019 has been pushed back to June 1. If you can’t file a return by then, CRA will still pay your CCB in July and August.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). **SEE LINKS ON THE LAST PAGE

You can ask your employer if they offer paid family leave or are considering the new federal wage subsidy to keep you on the payroll. Your employer can find out about that subsidy here: https://www.canada.ca/en/department-finance/news/2020/03/canadas-covid-19-economic-response-plan- support-for-canadians-and-businesses.html

AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI REGULAR BENEFITS AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Step 1: Get ready to apply
If you can apply online (computer or mobile phone) go to and make sure you have a MyAccount with the Canada Revenue Agency:

https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

If you can’t apply online, you can call 1-800-959-2019 or 1-800-959-2041. Have your SIN and postal code ready.

SERVICE CANADA OFFICES ARE NOW CLOSED. 

Important to know:
You DO NOT need a doctor’s note for COVID-19.

To make applications faster, people are asked to apply on different weekdays based on the month of their birthday.

You cannot quit your job to get CERB.

By law, you are eligible if you had at least $5,000 in income from work (employment or self- employment), EI maternity or parental benefits or Quebec’s parental benefits program QPIP in the last year; AND you have had NO income from employment, self-employment, any EI benefit or QPIP for at least 14 days in a row.

You have to re-apply for CERB for each 4 week period. You can get or renew CERB even if you have up to $1,000 in income from work (including self-employment, tips or dividends).

You have to re-apply for CERB for each 4 week period. The government is saying you cannot get CERB if you have any work income for those other periods.

You can prove your identity to the government faster online if you use online banking through your bank or credit union.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

If you have an employer, you can ask them if they offer paid family leave, or will use the new federal wage subsidy to keep you on the payroll while you work different hours or work from home. Your employer can find out about that subsidy here (or later in this document): https://www.canada.ca/en/department-finance/news/2020/03/canadas-covid-19-economic-response-plan-support-for-canadians-and-businesses.html

What you could receive:

Up to $550 per month per child plus provincial amounts.*

Find out more: https://www.canada.ca/en/services/benefits/ei/caregiving/apply.html

What you could receive:

Lump sum of $2,000 for every 4 weeks that you are eligible, to a maximum of 16 weeks between March 15 (retroactive) and October 3, 2020

Find out more:
https://www.canada.ca/en/department-finance/economic-response-plan.html

*The exact amount depends on which province or territory you live in and how many children you have. If you have access to a computer or mobile phone, use this online calculator to find out the amount for your family: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/child-family-benefits-calculator.html

 

BC

The province announced school closures on March 17. A date for reopening has not yet been set.
Childcare centres that are closed cannot charge fees but have to keep your spot(s) until the pandemic is over.

If you childcare provider is using the provincial Temporary Emergency Funding, they cannot charge fees if you withdraw your child(ren) temporarily due to COVID. Your space should be offered to you when the pandemic is over.

Childcare centres that are open can charge fees if you use childcare. The Affordable Child Care Benefit can help eligible families if their childcare provider is open and still charging you fees.

If you are an essential worker, you can ask for a temporary emergency child care. If your child is 0-5 years old, fill out the request form here:

https://www2.gov.bc.ca/gov/content/family-social-supports/caring-for-young-children/child-care-response-covid-19/child-care-response-covid-19- parent/child-care-response-covid-19-parent-form

If your child is 5-12 years old, you can contact your local school directly.

Find out more: https://www2.gov.bc.ca/gov/content/family-social-supports/caring-for-young-children/child-care-response-covid-19/child-care-response-covid-19-parent

 

Alberta

The province announced school closures on March 20. A date for reopening has not yet been set.
Childcare centres are closed to the general public. Home-based care providers can stay open with up to 6 children (not including their own) are allowed to stay open.

Select childcare centres are open for childcare for essential workers. See: https://www.alberta.ca/release.cfm?xID=698961F75D711-E7AE-D923- C5CF0505F9BF0860

Find out more: https://www.alberta.ca/child-care-during-covid-19.aspx

 

Saskatchewan

The province announced school closures on March 17. A date for reopening has not yet been set.
As of March 23, childcare facilities can only have up to 8 children at a time. Centres in schools are closed to the general public. If you are an essential worker, you may be able to find childcare through a school-based centre.
Find out more: https://www.saskatchewan.ca/government/news-and-media/2020/march/20/covid-19-update-child-care-options

 

Manitoba

The province announced that classes were suspended starting March 23 and then school closures starting March 31. A date for reopening has not yet been set.
Childcare centres, including those in schools, can continue to run but spaces are limited to a maximum of 16 children at a time. Home-based care providers can stay open with up to 8 children. Providers are asked to give priority to children of essential workers.

Centres that are closed or do not have space for children are encouraged to reimburse parents for fees when childcare isn’t available and to stop collecting fees during the crisis.

Essential workers who cannot find care can call 204-945-0776, 1-888-213-4754 to see if the province has made progress on finding dedicated spaces. Childcare providers can access a Temporary Childcare Services Grant. Fees can still be charged to parents, up to maximum daily rates.
Find out more: https://manitoba.ca/covid19/infomanitobans/childcare.html

 

Ontario

The province announced school closures starting March 14. A date for reopening has not yet been set. Childcare centres were closed on March 17. Home-based care providers can stay open with up to 5 children.

As of April 10, the province is temporarily preventing childcare centres from charging fees to parents when centres are closed. The province has also ordered centres to keep spots reserved for families.

If you are an essential worker, you be able to find childcare from one a limited number of centres. https://www.ontario.ca/page/child-care-health-care-and- frontline-staff

Eligible parents can get a one-time of $200 for each child up to age 12 or $250 for each child (up to age 21) with special needs. You can apply here:

https://www.iaccess.gov.on.ca/FamilyAppWeb/public/index.xhtml

 

 

Quebec

The province announced school closures starting March 16. A date for reopening has not yet been set.
Childcare centres were closed starting March 15.

If you are an essential worker, you be able to find childcare from one a limited number of centres:
https://www.quebec.ca/en/family-and-support-for-individuals/emergency-daycare-services/emergency-school-daycare-services/

New Brunswick

 

The province announced school closures on March 13. A date for reopening has not yet been set. Childcare centres were closed starting March 17.

If you are an essential worker, you be able to find childcare from one a limited number of centres: https://www.nbed.nb.ca/parentportal/en/home/request/

Nova Scotia

The province announced school closures on March 16. A date for reopening has not yet been set Childcare centres were closed starting March 17.

PEI

The province announced school closures on March 15. A date for reopening has not yet been set. Childcare centres were closed starting March 17.

If you are an essential worker, you be able to find childcare from one a limited number of centres:
https://www.princeedwardisland.ca/en/service/emergency-child-care-services

Newfoundland and Labrador

The province announced school closures on March 16. A date for reopening has not yet been set. Childcare centres were closed on March 16. Home-based care providers were closed on March 18.

If you are an essential worker, you be able to find childcare from one a limited number of centres:
https://www.gov.nl.ca/covid-19/essential-worker-child- care-service-application-form/

Yukon

The territorial government announced school closures on March 18. A date for reopening has not yet been set.
Childcare centres have not been ordered to close Find out more: https://yukon.ca/en/health-and-wellness/covid-19/child-care-information-yukoners

 

North West Territories

The territorial government announced school closures on March 25. A date for reopening has not yet been set.

Childcare centres have not been ordered to close. Find out more: https://www.ece.gov.nt.ca/en/services/education-culture-and-employment-covid-19- updates/information-licensed-early-learning-and

Nunavut

School were closed on March 17. A date for reopening has not yet been set.
Childcare centres were ordered to close on March 17.
The territorial government created a temporary grant to cover all parent fees for childcare between March 17 and April 21, 2020.

I’ve been on maternity/parental leave, now what?

1) Make sure you are getting the Canada Child Benefit. See the information earlier in this summary.

2) If you received Employment Insurance maternity or parental benefits, these count towards the $5,000 “work” earnings in the last year in the eligibility for the Canada Emergency Response Benefit. This is in the law that created the benefit. This also applies to QPIP in Quebec.

You can’t get CERB at the same time as EI maternity or parental benefits.

If you don’t have work when you come off of maternity/parental benefits, you might get CERB if you have the $5,000 in work income in the last year.

In normal times, people who are coming off of EI maternity/parental benefits and have lost their job can apply for EI regular benefits (see: https://www.canada.ca/en/employment-social-development/programs/ei/ei-list/reports/regular-benefits/situations.html#h2.1).

Right now, CERB is replacing EI regular benefits and people who would qualify for EI regular benefits can still claim those, if they need to, if they use up all of 4 of their CERB payments.

If you get CERB for the same 4 weeks that your employer gets the Canada Emergency Wage Subsidy to pay you, YOU may be asked to pay back your CERB.

I’m pregnant but not due for a while… / I’m in the process of adopting… My maternity/parental leave isn’t supposed to start for a while but I’ve lost paid work. What do I do?

If you lost paid work, have been laid off or have to be home due to illness or caregiving, you can get CERB if you meet the eligibility criteria.

Some expectant mothers who applied for CERB through Service Canada and reported truthfully that they are pregnant were told that they had to start their maternity claim early, instead of taking CERB. But, the federal government has confirmed (scroll down in the same link) that expectant parents can take CERB (for 1 month or more) if they qualify and then switch into EI maternity/parental benefits as they planned.

Will I still be able to qualify for EI/QPIP maternity/parental benefits after the time off I had to take for COVID19?

To qualify for EI maternity and parental benefits, parents have to show they have had at least 600 hours of work where they (and their employer) paid into Employment Insurance. In Quebec, parents have to show they have earned at least $3,000 through work (including self-employment).

Because of COVID19, some parents will be worried they won’t have enough hours or earnings to qualify for the benefits they planned on.

It isn’t yet clear how the federal or Quebec governments are going to handle this question. You could call your federal MP (or in Quebec your MNA) – see the links earlier in this document — to make your voice heard.

Wage Subsidy for Employers

Ask your employer if they have looked at the temporary federal Canada Emergency Wage Subsidy program. Applications will open April 27:

What we know right now is:

  • Employers will get a subsidy of up to 75% if they continue to pay their employees for at least 15 days in each 4 week period for the wage subsidy.
  • The subsidy for an employee can’t be more than $847 per week.
  • Eligible payments (I’m using “wages” as shorthand) include salary, hourly wages, taxable benefits but not repayable allowances, retirement/severance allowances or employee stock options
  • The subsidy will cover up to 12 weeks in 4 week periods starting March 15 and ending June 6, or later depending on regulations up to September 30, 2020.
  • Once an employer is eligible for one period, they stay eligible for the subsidy.
  • Employers have to make a claim by October 2020.
  • Employers have to have had a 30% decline in revenues because of the pandemic. For the period March 15 to April 11, the decline only has to be 15%.
  • The number of employees is not part of the eligibility and there is no minimum payroll size.
  • Eligible employers are private corporations, individual employers, most non-profits, and charities.
  • Charities and non-profits can choose to exclude government funding to determine their change in revenue for eligibility for all periods they claim the subsidy.
  • Non-profits have to include membership fees and some other amounts in their revenues.
  • Provinces, cities, hospitals, and universities are not eligible as “public bodies”.
  • Employers will apply through the Canada Revenue Agency My Business Account portal.
  • Employees cannot get the CERB (see above) for the same period that their employer is paying them using the CEWS. Employees may be able to cancel their CERB claim and repay benefits if they are rehired when their employer receives the Subsidy.*

*From C-14 A second Act respecting certain measures in response to COVID-19, that passed and received Royal Assent April 11.

 

Canada Emergency Response Benefit (CERB) – Through CRA or Service Canada A few questions will guide you to the right form for you.

If you are asked to apply through Service Canada, see the information below. You will still get the same $500 per week for 4 weeks as those who apply through the CRA.

Step 1: If you can, get ready to apply by setting up a MyAccount with the Canada Revenue Agency and giving your banking information for direct deposit. Another way to set up direct deposit can be through your bank if you use online banking. If you have a direct deposit set-up, you should receive your money in 3-5 business days. Paper cheques will take up to 10 days.

Step 2: Apply for CERB online at https://www.canada.ca/en/services/benefits/ei/cerb- application.html

If you can’t apply online, you can call 1-800-959-2019 or 1-800-959-2041. Have your SIN and postal code ready.

Important to know:
To make applications faster, people are asked to apply on different weekdays based on the month of their birthday.

You cannot quit your job to get CERB.

By law, you are eligible for the first payment if you had at least $5,000 in income from work (employment or self-employment), EI maternity or parental benefits or Quebec’s parental benefits program QPIP in the last year; AND you have had no income from employment, self- employment, any EI benefit or QPIP for at least 14 days in a row since March 15 when you apply the first time.

You have to re-apply for CERB for each 4 week period. You can get or renew CERB even if you have up to $1,000 in income from work (including self-employment, tips, or dividends).

If you get CERB for the same 4 weeks that your employer gets a wage subsidy to pay you, YOU may be asked to pay back your CERB.

Check the labour rules on job protection for your province or federally (if you work in banking, transportation, telecommunications or other federally regulated industries). SEE LINKS LATER IN THIS DOCUMENT

If you have an employer, you can ask them if they offer paid family leave, or will use the new federal wage subsidy to keep you on the payroll while you work different hours or work from home. Your employer can find out about that subsidy here (or later in this document): 

https://www.canada.ca/en/department-finance/news/2020/03/canadas-covid-19-economic-response-plan-support-for-canadians-and-businesses.html

 

 

What you could receive:

Lump sum of $2,000 for every 4 weeks that you are eligible, to a maximum of 16 weeks between March 15 (retroactive) and October 3, 2020

Find out more:
https://www.canada.ca/en/department-finance/economic-response-plan.html

Or call the dedicated line on CEWS for employers: 1-833-966-2099

Find out more:
https://www.canada.ca/en/department-finance/economic-response-plan.html

Do you work in any of the following? :

If yes, you are likely covered by the federal labour code.

You can find out more about your rights here:https://www.canada.ca/en/employment-social-development/services/labour-standards/reports.html

If you have more questions, call 1-800-O-Canada (1-800-622-6232)

If you work for another kind of employer, you should be covered by provincial or territorial rules. Check the links or call the toll-free numbers below for where you live:

Alberta: https://www.alberta.ca/employment-standards.aspx Phone: 1-877-427-3731
B.C.: https://www2.gov.bc.ca/gov/content/employment-business/employment-standards-advice/employment-standarts

standards Phone: 1-833-236-3700
Manitoba: https://www.gov.mb.ca/labour/standards/index.html Phone: 1-800-821-4307

New Brunswick: https://www2.gnb.ca/content/gnb/en/departments/post- secondary_education_training_and_labour/People/content/EmploymentStandards.html Phone: 1-888-452-2687

Newfoundland and Labrador: https://www.gov.nl.ca/aesl/labour/ Phone: 1-877-563-1063

N.W.T: https://www.ece.gov.nt.ca/en/services/employment-standards Phone: 1(888) 700-5707

Nova Scotia: https://novascotia.ca/lae/employmentrights/ Phone: 1-888-315-0110 Nunavut: http://nu-lsco.ca/ Phone: 1-877-806-8402

Ontario: https://www.ontario.ca/page/ministry-labour-training-skills-development Phone: 1-800-531-5551

P.E.I. : https://www.princeedwardisland.ca/en Phone: 1-800-333-4362
Québec: https://www.cnt.gouv.qc.ca/en/accueil/index.html Phone: 1 844 838-0808

Saskatchewan: https://www.saskatchewan.ca/business/employment-standards Phone: (306) 787-2438 **NOT TOLL-FREE

Yukon: http://www.community.gov.yk.ca/es.html Phone: 1-800-661-0408 local 5944

Do you pay yourself a salary with payroll deductions including EI premiums?

AS OF APRIL 6, THERE WILL BE JUST ONE APPLICATION SITE FOR BOTH CERB AND EI SICKNESS OR REGULAR BENEFITS. GO TO WWW.CANADA.CA

Yes: As of April 6, you’ll be able to get CERB instead of EI Sickness or EI Regular benefits. If CERB runs out for your, you may be able to apply for EI regular benefits.

No: You should apply for the Canada Emergency Relief Benefit. See the information above.
AS OF APRIL 6, THERE WILL JUST BE ONE APPLICATION SITE FOR EI AND CERB. YOU WON’T HAVE TO PICK BETWEEN THEM.

Good to know: Self-employed workers can opt-in to Employment Insurance special benefits including Sickness benefits. But you have to pay-in for 12 months before collecting benefits. If you have a computer, you can learn more about how to apply to be covered by the EI special benefits here: https://www.canada.ca/en/services/benefits/ei/ei-self-employed-workers.html

Do you have children?

Yes: Make sure you are receiving any Canada Child Benefit and GST Credit that you are entitled to. These are going to be topped up soon. See the information above.

No: Depending on your income, you might still qualify for the GST Credit or the Canada Workers’ Benefit. If you have a computer, you can check online here: https://www.canada.ca/en/revenue-agency/services/child-family-benefits.html

Are you worried about business expenses?

…If I wasn’t, I wouldn’t be reading this, would I?

You might be eligible for a low-interest loan through the Business Credit Availability Program or, if you’re a small business or non-profit, for a $30,000 interest-free loan plus $10,000 of forgivable (ie: you don’t pay it back) assistance through the Canada Emergency Business Account (CEBA). You apply for these through your bank or credit union. But if you have questions you can call the Business Development Bank of Canada at 1-877-232-2269 or, if you’re an exporter you can call Export Development Canada at 1-800-229-0575.

Good to know: At first the CEBA was for businesses or NGOs with $50,000 to $1.5M in usual payroll expenses. On April 15, the government lowered the bottom limit to $20,000 in payroll expenses.

Your business might be eligible for the Canada Emergency Wage Subsidy to help with your payroll expenses. Employees paid using this subsidy can’t also take CERB for the same 4 week periods

Your business might be eligible for the Canada Emergency Wage Subsidy to help with your payroll expenses. Employers will get a subsidy of up to 75% if they continue to pay their employees, including new employees who are on payroll between March 15 and June 6.

  • The subsidy for an employee can’t be more than $847 per week.

  • The subsidy will cover up to 12 weeks between March 15 and June 6, 2020.

  • Employers have to have had a 30% decline in revenues because of the pandemic. The number of employees is not part of the eligibility.

  • Eligible employers are private corporations, non-profits and charities.

  • Provinces, cities, hospitals and universities are not eligible.

  • Employers will apply through the Canada Revenue Agency My Business Account portal.

  • Employers cannot get the Wage Subsidy for workers who are getting CERB at the same time. If an employee gets CERB for the same time that their employer pays them using the Wage Subsidy, the employee may be asked to pay back the CERB you received.

  • Applications start April 27

  • For more information: https://www.canada.ca/en/revenue-agency/services/subsidy/emergency-wage-subsidy.html. Or call the dedicated line on CEWS for employers: 1-833-966-2099

Your business tax return isn’t due until June 1 (June 15 if you are unincorporated). Amounts owing can also be deferred until September 1, 2020 without interest or penalties.

 A Canada Emergency Commercial Rent Assistance benefit for small business.:

https://pm.gc.ca/en/news/news-releases/2020/04/16/prime-minister-announces-additional-support-small-businesses

Coming soon: A Canada Emergency Commercial Rent Assistance benefit for small business. Here’s what we know so far:

    • For small businesses paying less than $50,000 in rent and who have had to close due to COVID or who have lost 70% or more in revenues.

    • Forgivable loans to cover up to 50% of 3 months of rent (April, May and June). Loan is forgiven if the property owner has a mortgage and agrees to cut the

      rent by 75% with a term to not evict the business during the rent relief agreement.

    • The business still covers up to 25% of the rent.

    • The program will run starting in mid-May, under an agreement between the federal, provincial and territorial governments.

 

Did you work for pay (including self-
employment or gig-work) in 2019 or in the last 12 months?

YES

No, but I was planning to start working this summer.

Did you make $5K in that work
(including self-employment) or more in 2019 or in the last 12 months?

YES

NO

Since March 15, have you gone 14 days in a row with no paid work? YES No, I was only planning to start work in the summer
 

You might be eligible for the

Canada Emergency Relief Benefit. See the information above.

It sounds like you’ve had other resources to help you cover your essential costs like shelter, food and more. Are those resources (help from parents, education savings, student loans) still available to you? Right now, most governments are trying to help people in emergencies who have lost their regular income to support themselves and their families.

Have you considered applying for student financial assistance to help you with the costs of your education? You might be able to get grants (you don’t pay back at all) and low-cost loans (you don’t pay back until you finish school) from the Government of Canada or your province/territory. You can get more information here: https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans.html

NEW: On April 22, the federal government announced that it would be making it easier to get more support from Canada Student Loans by changing the eligibility so that students are expected to put in a bit less of their own money for their education and doubling the Canada Student Grants (that you don’t pay back).

Have you contacted the student financial office of your college or university to ask what they are doing to help students who are worried about how to pay tuition and other fees? Look for the email address online because it is unlikely anyone is in the campus office right now. You can also contact the student association of your university or college and ask for their help in getting answers.

You may be able to get a job through the revised Canada Summer Jobs Program. Employers can get up to a 100% wage subsidy (to a maximum of the local minimum wage) for jobs (full-time or part-time) starting as soon as May 11, 2020 and ending as late as February 28, 2021. Employers might be essential services or might adapt their work to the public health rules for COVID19. Interested students can apply at: https://www.jobbank.gc.ca/home

Employers can also get the Canada Emergency Wage Subsidy for new employees they paid between March 15 and June 6, 2020.

NEW: On April 22, the federal government announced a new Canada Student Service Grant that will offer $5,000 towards education costs in the Fall for students who participate in community service activities. You’ll need to apply through a web platform called “I Want to Help” that will be available in a few weeks.

NEW: On April 22, the federal government announced a new Canada Emergency Student Benefit that will pay students and new grads who aren’t able to work and don’t qualify for EI or the Canada Emergency Response Benefit. Parliament has to pass legislation for this. The proposal is for $1,250 per month ($1,750 for students with a disability or who are supporting someone else) for the months of May to August 2020. Applications will be through the Canada Revenue Agency. If you don’t have a My Account set up with the CRA, you might want to do that soon. Remember that you can use online banking to verify your identity faster with the CRA.

Did you work for pay (including self-
employment or gig-work) in 2019 or in the last 12 months?

YES

No, but I was planning to start working this summer.

Did you make $5K in that work
(including self-employment) or more  in 2019 or in the last 12 months?

YES

NO

Since March 15, have you gone 14 days in a row with no paid work? YES No, I was only planning to start work in the summer
 

You might be eligible for the

Canada Emergency Relief Benefit. See the information above.

If you are carrying Canada Student Loan Debt, you don’t have to start your payments for 6 months. Check the rules for any provincial loans too. Regardless of when you graduated, because of COVID19, Canada Student Loan Repayments are suspended until September 30, 2020 with no interest or penalties.

A lot of students with Canada Student Loans don’t realize they can reduce their monthly payments and have part of their loan forgiven. The Repayment Assistance Program may let you reduce your student loan repayments, depending on your household income.

It sounds like you’ve had other resources to help you cover your essential costs like shelter, food and more. Are those resources (help from parents, education savings, student loans) still available to you? Right now, most governments are trying to help people in emergencies who have lost their regular income to support themselves and their families.

You may be able to get a job through the revised Canada Summer Jobs Program. Employers can get up to a 100% wage subsidy (to a maximum of the local minimum wage) for jobs (full-time or part-time) starting as soon as May 11, 2020 and ending as late as February 28, 2021. Employers might be essential services or might adapt their work to the public health rules for COVID19. Interested students can apply at: https://www.jobbank.gc.ca/home

Employers will be able to hire back employees and hire new workers using the federal Canada Emergency Wage Subsidy.

  • Employers will get a subsidy of up to 75% if they continue to pay their employees, including new employees.
  • The subsidy for an employee can’t be more than $847 per week.
  • The subsidy will cover up to 12 weeks between March 15 and June 6, 2020.
  • Employers have to have had a 30% decline in revenues because of the pandemic. The number of employees is not part of the eligibility.
  • Eligible employers are private corporations, non-profits and charities.
  • Provinces, cities, hospitals and universities are not eligible.
  • Employers will apply through the Canada Revenue Agency My Business Account portal.
  • Employers cannot get the Wage Subsidy for workers who are getting CERB at the same time.

NEW: On April 22, the federal government announced a new Canada Emergency Student Benefit that will pay students and new grads who aren’t able to work and don’t qualify for EI or the Canada Emergency Response Benefit. Parliament has to pass legislation for this. The proposal is for $1,250 per month ($1,750 for students with a disability or who are supporting someone else) for the months of May to August 2020. Applications will be through the Canada Revenue Agency. If you don’t have a My Account set up with the CRA, you might want to do that soon. Remember that you can use online banking to verify your identity faster with the CRA.

Some people weren’t sure if their application for Employment Insurance would let them get CERB so they applied again with the Canada Revenue Agency. Or they just filled in two applications by mistake. The Government has said that they will contact people in this circumstance and that you do not need to do anything until then. We don’t know exactly how the government will handle these overpayments yet.

If you want to return a CERB payment because of overpayment or because you think it was made in error, you can:

Send a repayment by mail. Write a cheque payable to the “Receiver General for Canada” and write “Repayment of CERB” and your Social Insurance Number in the memo line. Send the payment to:

Revenue Processing – Repayment of CERB Sudbury Tax Centre
1050 Notre Dame Avenue
Sudbury ON P3A 0C1

Or, if you were paid by paper cheque, you can simply return it to the same address above.

Newfoundland and Labrador

People who get CERB will have their provincial benefits suspended immediately. If there’s any overlap on the days of getting CERB and social assistance, the CERB amount will be treated like an overpayment.

To keep coverage for prescription drugs, social assistance recipients have to file a separate application by calling 1-888-859- 3535 or online.

Source: https://www.gov.nl.ca/releases/2020/aesl/0409n05/

PEI*

People who get CERB will have their provincial social assistance reduced, dollar for dollar, by the same amount.

Nova Scotia

People who get CERB will have their provincial social assistance reduced, dollar for dollar, by the same amount.

Source: https://nsadvocate.org/2020/04/18/nova-scotia-allows-social-assistance-recipients-to-keep-cerb-payments/

New Brunswick*

Unknown

Quebec*

Unknown

Ontario

People who get CERB will have it treated like employment income so they can keep the first $200 per month but then loose 50% of the rest. Different rules apply to persons with disabilities. Drug coverage won’t be affected and people will not lose eligibility even if CERB lowers their social assistance to $0 in a month.

Souce: https://www.thestar.com/news/gta/2020/04/20/ontario-to-allow-people-on-social-assistance-to-keep-part-of-emergency- benefits.html

Manitoba

People who get CERB will have it treated like unearned income using the existing rules.

Source: https://www.thestar.com/news/gta/2020/04/20/ontario-to-allow-people-on-social-assistance-to-keep-part-of-emergency- benefits.html

Sasktachewan*

Unknown

Alberta*

People who get CERB will have the first $230 (more for families) exempted from provincial income assistance but then loose 25% of the rest. Different rules apply for persons with disabilities.

Source: https://www.alberta.ca/aish-income-support-and-the-canada-emergency-response-benefit.aspx

British Columbia

People who get CERB will not be eligible for the $300 top-up to Income Assistance but will not lose Income Assistance benefits.

Source: https://www2.gov.bc.ca/gov/content/family-social-supports/income-assistance/on-assistance/covid

Yukon

Unknown*

North West Territories

People who get CERB will have it treated like EI benefits and will have their territorial assistance reduced. The territory has created a top-up for people on Income Assistance during COVID.

Source: https://www.gov.nt.ca/sites/flagship/files/documents/backgrounder.pdf

Nunavut*

People who get CERB will have it treated like EI benefits and will have their territorial assistance reduced.

*From information collected and shared by John Stapleton of Open Policy Ontario