Consolidated information on all government support programs.

I recently came across this site that may be of use to you and your employees.  It appears to be updated daily with both the provincial and federal government programs being offered during the COVID-19 Crisis.  We have linked to the original document so that you can follow the updates.


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 are the sole responsibility of [Mainstay Insurance Brokerage Inc.

READ HERE

COVID-19: How the federal government is supporting small business

I am a member of the Canadian Federation of Independent Business (CFIB) and they just sent this info out. I thought worth sharing as it highlights all the programs to all the parties.


With the ongoing COVID-19 pandemic, we know you need cash flow to keep your doors open and employees paid. We’re pushing the federal government to provide the relief measures you need to keep your business alive.

So far, here’s what the federal government is doing to support small business. We will continue updating this page with the latest information as it becomes available—and continue pushing governments for greater relief.

For the CFIB page with al the programs on one expandable page CLICK HERE

For all the details, read the federal government’s full program.

Government Announces Details of the Canada Emergency Wage Subsidy to Help Businesses Keep Canadians in their jobs

I have seen info on the subsidy coming in from a number of sources, but here is one that makes succinct points from a local employment law/HR firm.  We will provide more info as details become available.


The government provided more detail on April 1, 2020 about the federal wage subsidy being offered to employers in an effort to limit layoffs and keep Canadians employed during this COVID-19 pandemic.

On March 30, 2020, the Government of Canada announced that the federal wage subsidy (which was initially announced as a 10% wage subsidy for small businesses) was being increased to 75%, and that it will be available to all employers, regardless of size, that had suffered a 30% reduction in revenues due to COVID-19. Moreover, all non-publicly funded employers will be eligible to apply for the subsidy, including charities and non-profits.

In particular, the government stated that the subsidy would cover 75% of the first $58,700 of wages for each worker employed by an eligible business, which is up to $847 per week, backdated to March 15.

On April 1, 2020, the government provided further details on the wage subsidy, including that:

  • To be eligible, employers must have experienced a 30% reduction in gross revenue compared to 2019, calculated by comparing revenues from each month with the same month in 2019 (e.g., a 30% decline in March 2020 as compared to March 2019);
  • Employers will be required to reapply for the wage subsidy each month;
  • Employers will be required to attest that they are “doing everything that they can” to provide their employees with the remaining 25% of their wages, to receive the subsidy;
  • Employers will be able to apply online through a portal on the Canada Revenue Agency’s website that will be available “soon”;
  • Funds under the subsidy will be available in mid-May; and
  • There will be “severe consequences” for anyone who abuses this subsidy or uses the money for fraudulent purposes.

READ FULL ARTICLE


Here are the government press releases:

Government Announces Details of the Canada Emergency Wage Subsidy to Help Businesses Keep Canadians in their jobs

https://www.canada.ca/en/department-finance/news/2020/04/government-announces-details-of-the-canada-emergency-wage-subsidy-to-help-businesses-keep-canadians-in-their-jobs.html

The Canada Emergency Wage Subsidy

https://www.canada.ca/en/department-finance/economic-response-plan/wage-subsidy.html

Need medical assistance? – Telemedicine / Virtual healthcare paid for by OHIP

For the past year or so I have been suggesting that employers hold off on buying any of the telemedicine solutions we have seen in the marketplace.  Part of this is because we have seen several provinces (including Ontario) trialing programs for publicly funded options, so why pay privately?

During these unique and challenging times, this may be a way to reach out and get assistance without leaving home.

I’ve included a link to TIA health below that I’ve shared in the past.  This is now funded by the province in Ontario, Alberta and BC.

In Ontario, the Ontario Telemedicine Network (OTN) allows you to connect directly to your own doctor (if they are on the system and many are signing up each day).  More info is below…


Covered in Ontario, Alberta and British Columbia with a valid Health Card. 

COVID-19 Screening now available!

Tia Health allows you to connect to a real Canadian doctor online via a, phone or secure messaging. Get prescriptions, medical advice, referrals, requisitions, mental health, and more.

https://tiahealth.com/


OTN services are free for patients. 

Designed to increase access to family doctors, specialists, and other health care providers, eVisits are often a time-saving and convenient option. eVisits connect you to your health care provider either from home on your own device, or from a health care centre near you. Every day, more and more providers offer video as an alternative to having an in-office appointment. There is no cost to patients. eVisits provide the same level of care as you’d expect with an in-office visit, as well as the opportunity for family members or other caregivers to participate in your care if appropriate. And the interaction is safe and private, with sensitive information transmitted through a secure network, and all the information from your eVisit is recorded in your medical record. When things like time off from work, childcare, and parking, make accessing care challenging, eVisits can help.

https://otn.ca/

BEFORE YOU LAY OFF – Canada Emergency Wage Subsidy

We don’t have all the details yet, but should have more info over the next day or two in this new employer subsidy program. I have not found a better source for info yet, but this short article below will help understand what is being proposed.


Prime Minister Justin Trudeau today announced the initial details of the 75% employer wage subsidy announced last week. Dubbed the “Canada Emergency Wage Subsidy” (the CEWS), he described this as a program that will help people keep jobs, while the Canada Emergency Response Benefit, announced last week, will help people who have lost their jobs.

Notably, the number of employees that an employer has will not be a consideration. It will apply to nonprofits and charities and companies both large and small, the key qualifying factor being a 30% reduction in the revenues of the business.

The CEWS covers the first $58,700 of annual income, paying a maximum subsidy of $847 a week, and the effective date has been set retroactively to March 15, although the date that money is to start to flow has not yet been stated.

READ MORE


For the Mainstay clients that have signed up for the ConnectsUs HR resources…

The ConnectsUs HR Toolkit Resource Center will include COVID-19 updates, resources and templates for small business that will be completed by mid week.
The benefit of the Resource Center is that the information you need can be found in one central place, organized, and categorized as either:
  • Dynamic information & updates (external updates that can change daily and sometimes even hourly)
  • Up-to-date resources and templates that are revised as information changes
You can now login to access the COVID-19 Resources & Templates that includes the following launched resources:

Employer Health Tax (EHT) Exemption Increase for 2020 –Tax Bulletin

Some good news for small businesses in Ontario.  Remember, every bit counts.

Please see the info below and check out the Ministry of Finance site below for full details.

Ontario Ministry of Finance

Employer Health Tax

Today the Ontario government announced it is increasing the Employer Health Tax (EHT) exemption for 2020 to $1 million to provide tax relief to businesses around the province so that they can focus on supporting the well‑being of their employees and their continued operations during this time of uncertainty caused by the coronavirus (COVID‑19) in Ontario.

Retroactive to January 1, 2020, the EHT exemption is increasing from $490,000 to $1 million for the 2020 tax year.  The EHT exemption will return to $490,000 on January 1, 2021.

Only the exemption amount is changing; eligibility for the tax exemption, tax rates and everything else remains the same.

Learn More

Read the Employer Health Tax Exemption Increase for 2020 – Tax Bulletin 

Need COVID 19 resources? Mainstay clients can access at no charge

Mainstay Insurance Brokerage Inc. is partnered with ConnectsUs HR ™ so you can take advantage of the proven HR package made for Canadian small business and compliant for Ontario, Alberta and BC.

There’s no cost to you – we’ve picked up the tab! You won’t even have to provide a credit card.

ConnectsUs HR ™ is adding COVID-19 resources (see below) over the next two days.  If you’re interested in accessing these and are already subscribed, please check out their site.  if you are not already subscribed, please call or e-mail us for the code to get the service for freeGET INFO HERE


Need Help? A few things for you and your employees.

I am reaching out to my clients in the coming days to check in.  I have spoken to many of you that have been dealing with lay-offs or immediate challenges, so I’m a bit behind in connecting with everyone and relying on this post to share info until we connect.

Please know that I am here and self isolated for the next week so if you need anything.  No more sailing trips for a while, so if you need help, just shout.


A few things to share today.

  1. The insurers are providing some relief options to employers around their benefit plans.  Some of these are short term relief (but maybe higher risk (no LTD) and longer term issues like higher renewals) but if you need help, please let us know and we’ll work with you to get the insurer or TPA to make things work.
  2.  Renewals may be delayed.  Our goal is to still deliver the info via e-mail, but the renewal rates may be deferred.  We’ll reach out to the affected clients one by one as the renewals come due.
  3. I saw this article (below) come in with links to services that may be of assistance to staff if you’ve had to make some tough decisions.

Stay safe and healthy.  Please follow the self isolation and social distancing.  We’ll get through this together.


Bridgewater, NS, Canada / CKBW  –  Ryan Everest  –  March 22, 2020 02:40 pm

The unfortunate reality of today is a lot of people are losing shifts, being laid off, etc because of COVID-19. If you require financial assistance at this time, you can find information below on ways the Federal Government is trying to help you through these tough times.

EMPLOYMENT INSURANCE: How To Apply For EI

EMERGENCY SUPPORT BENEFIT: Have You Been Laid Off Or Your Hours Reduced? Click Here

EMERGENCY INSURANCE SICKNESS BENEFIT: No Paid Sick Leave, Are You Quarantined, Sick? Click Here

EMERGENCY CARE BENEFITIf You’re Unable To Claim E-I But Are Sick Or Quarantined and/or Are Taking Care Of Family Members: Click Here

NEED MORTGAGE HELP? Mortgage Support For Canadians

CHILD CARE BENEFITS: Increased Child Care Benefit Information

TAX DEADLINE: Filing Deadline For Individuals Pushed Back Until June 1st

Summary of Current Primary Government Employee Support Programs

I just got a post from e2r that shared this info.  It helps to explain the programs that are now (or soon) available for support of businesses and their employees.


EMPLOYMENT INSURANCE – TEMPORARY LAYOFF
Employees are eligible for regular EI
Most typically a minimum of 700 insurable hours required
Employer to provide a ROE
1 week waiting period
55% of weekly earnings up to a maximum of $573 per week

EMPLOYMENT INSURANCE – TEMPORARY LAYOFF – EMPLOYER TOP UP
Employer top up payments are deducted from EI payments
If Employer has registered a Supplemental Unemployment Benefit Program (SUB) with Service Canada payments from the SUB plan are not deducted from EI benefits

EMPLOYMENT INSURANCE – REDUCED HOURS OF WORK COMBINED WITH EI BENEFITS
EI Work- Sharing Program – To avoid layoffs
Employees agree to reduced work schedule
Eligible employees receive EI benefits and continue to receive reduced employment income
Program can now be extended to 76 weeks

EMPLOYMENT INSURANCE SICKNESS BENEFIT – UNABLE TO WORK DUE TO QUARANTINE & ILLNESS WITH SUFFICIENT INSURABLE HOURS
No waiting period
A minimum of 600 insurable hours required
No medical certificate required
55% of weekly earnings up to a maximum of $573 per week

EMERGENCY CARE BENEFIT – UNABLE TO WORK DUE TO QUARANTINE & ILLNESS WITHOUT SUFFICIENT INSURABLE HOURS – EFFECTIVE APRIL 2020
Eligible employees receive up to 15 weeks of benefits, up to $900 bi-weekly
Application via Canada Revenue Agency
No medical

EMERGENCY CARE BENEFIT – UNABLE TO WORK DUE TO THE REQUIREMENT TO TAKE CARE OF A AMILY MEMBER SICK WITH COVID-19 WITHOUT SUFFICIENT INSURABLE HOURS – EFFECTIVE APRIL 2020
Eligible employees receive up to 15 weeks of benefits, up to $900 bi-weekly
Application via CRA
No medical

EMERGENCY CARE BENEFIT – UNABLE TO WORK DUE TO SCHOOL CLOSURE AND REQUIREMENT TO CARE FOR CHILDREN REGARDLESS OF INSURABLE HOURS
Eligible employees receive up to 15 weeks of benefits, up to $900 bi-weekly
Application via CRA

SMALL BUSINESS TEMPORARY WAGE SUBSIDY
Period of 3 months
10% of remuneration paid during 3 month period
Maximum subsidy of $1,375 per employee up to a maximum of $25,000 per employer
Subsidy immediately obtained through the reduction of remittances of income tax withheld