You are eligible if you meet all of these conditions:

• You are unable to work for medical reasons
• Your regular weekly earnings have decreased by at least 40% for at least 1 week
• You accumulated 600 insured hours of work in the 52 weeks before the start of your EI claim

• You can get a one-time credit of 480 hours to help you meet the 600 hours, so you actually only need 120 hours
• 52-week period can be extended if you received CERB

You must remain unavailable for work for medical reasons while receiving the EI sickness benefit

• Minimum benefit rate is $500/week

1. Apply online here 
2. Provide supporting documents: you will need a medical certificate and a record of employment (ROE)
3. Benefit statement and access code will arrive by mail

• EI sickness benefits - what these benefits offer
• Temporary changes to EI due to COVID-19

You are eligible and you meet all of these conditions:

• You lost your job and not your fault
• You are actively looking for work
• You accumulated 420 insured hours of work in the 52 weeks before the start of your EI claim

• You can get a one-time credit of 300 hours to help you meet the 420 hours, so you actually only need 120 hours
• 52-week period can be extended if you received CERB

1. Apply online here
2. Complete bi-weekly reports to prove continuing eligibility

Must be:

1. Minimum 15 years old;
2. Resident in Canada;
3. Total income of at least $5000 in 2019 or preceding 12 months; and
4. Stops work because of COVID-19 for 14 consecutive days and does not receive income or benefits.

• Apply for retroactive payments online through CRA My Account

Questions and Answers on the Canada Emergency Response Benefit

You are eligible if you meet all these conditions:

• At least 15 years old
• Resident in Canada
• Valid SIN number
• Total income of at least $5000 in 2019 or preceding 12 months
• You are not working because of reasons related to COVID-19, or had a reduction of at least 50% in your weekly income because of COVID-19
• You are willing to work and actively looking for work

• Apply online through CRA My Account
• Or apply by phone: 1-800-959-2019 or 1-800-959-2041
• You will need to re-apply every 2 weeks to continue receiving the benefit

Canada Recovery Benefit

You are eligible if you meet all these conditions:

• At least 15 years old
• Resident in Canada
• Valid SIN number
• Total income of at least $5000 in 2019 or preceding 12 months
• You are not able to work at least 50% of your scheduled work week because:
• You have or may have COVID-19, or
• You are self-isolating because of COVID-19, or
• You have a medical condition that puts you at high risk for COVID-19
• You are not getting paid leave from your employer
• You are not eligible for EI

• Apply online through CRA My Account
• Or apply by phone: 1-800-959-2019 or 1-800-959-2041
• Each application is only for 1 week of benefits. If your situation lasts for more than 1 week, you will have to apply again

Canada Recovery Sickness Benefit

You are eligible if you meet all these conditions:

• At least 15 years old
• Resident in Canada
• Valid SIN number
• Total income of at least $5000 in 2019 or preceding 12 months
• You are not able to work at least 50% of your scheduled work week because you are caring for a child or a family member who needs supervised care, because:
• the child or family member’s school, daycare or care facility is closed due to COVID-19, or
• the child or family member is sick or self-isolating due to COVID-19, or is at high risk for COVID-19
• You are not getting paid leave from your employer
• You are not eligible for EI
• You are not receiving the Canada Recovery Benefit or the Canada Recovery Sickness Benefit
• You are the only person in your household applying for this benefit

• Apply online through CRA My Account
• Or apply by phone: 1-800-959-2019 or 1-800-959-2041
• You have to apply separately for each 1-week period
• You can apply up to 60 days after the period you are applying for has ended

• Canada Recovery Caregiving Benefit

• Individuals and families with low income.
• See eligibility criteria here.

• No application required
• If you did not file your 2019 taxes yet, you will not receive the additional payment

• GST/HST credit overview

• Primary caregiver of a child <18, and
• Additional eligibility criteria.

No application required if you already receive CCB. Otherwise, apply for CCB:

1. Register the birth
2. Online: CRA MyAccount
3. Mail: Form RC66
4. Individual must file tax return for the year

• Employers + employees in any industry affected by temporary work reduction (minimum 10%)

• See eligibility conditions for employers and employees here

Employees who agree to reduce normal working hours and share available work can receive EI benefits based on employee’s normal average weekly earnings

Deductions may apply

March 15, 2020 - March 14, 2021

• Apply 10 days before start date
• Agreements last up to 76 weeks
• No wait between agreements

• Employer and employees (and union, if applicable) must agree to participate in Work-Sharing Agreement and must apply together.
• Find forms here, and submit by email.

• Work-Sharing Program - COVID-19

To be eligible to receive the wage subsidy, you must:

• be an eligible employer;
• have experienced an eligible reduction in gross revenue of at least 15% in March, and 30% in April and May and;
• have had a CRA payroll account on March 15, 2020.

Read more about who is an eligible employer

The subsidy covers a portion of your employees’ wages, varying based on the decrease in your revenue and on the period you are claiming for, up to a maximum of 85% of wages or $959/week in claim periods 5 and 6. The maximum decreases in later claim periods (currently set at 65% maximum until December 19, 2020)

Applications opened April 27.

Claim periods:

1. March 15-April 11, 2020
2. April 12-May 9, 2020
3. May 10-June 6, 2020
4. June 7-July 4, 2020
5. July 5-August 1, 2020
6. August 2-August 29, 2020
7. August 30-September 26, 2020
8. September 27-October 24, 2020
9. October 25-November 21, 2020

The federal government announced in October 2020 that the program will continue through to June 2021.

1. If you haven’t already, register for ‘My Account’, the Canada Revenue Agency’s secure web portal, here
2. Calculate subsidy on the CRA’s website with its CEWS calculator here
3. Sign in and apply through my Business Account.

• Canada Emergency Wage Subsidy (CEWS)
• Extending the Canada Emergency Wage Subsidy - Oct 14, 2020
• Application guide

• Establishing a BCAP
• Department of Finance: BCAP
• BDC on COVID-19
• EDC on COVID-19

Must be:

• Small businesses or not- for-profit;
• In operation as of March 1, 2020;
• Revenues temporarily reduced by COVID-19; and
• Paid $20,000-$1.5 million in total payroll in 2019

• Interest-free loans up to $60,000
• Up to $20,000 of the loan will be forgiven if the balance is repaid balance by December 31, 2022

• Canada Emergency Business Account
• Government announcement on expansion of CEBA, Oct 2020

• Small and medium enterprises
• Applies to export sector + domestic companies

• New Loan Programs for Businesses
• A New Loan Guarantee for Small and Medium-Sized Enterprises

• New Loan Programs for Businesses
• A New Co-Lending Program for Small and Medium-Sized Enterprises

To be eligible to receive the temporary wage subsidy, you must:

• Have had a CRA payroll account as of March 18, 2020
• Paid salary/wages/bonuses to an eligible employee from March 18 to June 19, 2020
• Be one of the following:
• individual or sole proprietor (excludes trusts)
• partnership
• non-profit organization
• registered charity
• Canadian-controlled private corporation (including a co-op)

10% of remuneration paid to eligible employees from March 18 to June 19, up to $1,375 for each employee and a total maximum of $25,00 for each eligible employer

1. Calculate your subsidy amount according to the rules here.
2. Reduce the payroll remittances you make to CRA by the amount of the subsidy.

• Subsidy will be provided directly to tenants, covering a percentage of eligible expenses, on a sliding scale up to a maximum of 65% of eligible expenses until December 19, 2020.
• Program will continue until June 2021
• Businesses or organizations temporarily shut down by a mandatory public health order can also get a 25% top-up subsidy in addition to the 65% maximum

Commercial landlords and small business tenants. The small business tenant must:

• Have opened before March 1, 2020
• Pay no more than $50,000 in monthly rent per location
• Generate no more than $20 million in gross annual revenue
• Have experienced at least a 70% decline in pre-COVID-19 revenue

March 1, 2020

• Program extended to end of September 2020

Small and medium-sized businesses who:

• Operate predominantly in one or more of the territories
• Have been in operation since October 1, 2019
• Have fewer than 100 employees
• Were solvent before COVID-19
• Are currently operating at a loss and expect to continue operating at a loss

Covers 4 month period from April 1, 2020 to July 31, 2020

• Current eligible recipients may continue to receive support for period beyond July 31

1. Get the Application form and guidelines here
2. Apply by email to your regional CanNor office:

Nunavut: [email protected]

• Small- and medium-sized business registered in Quebec
• Short on cash flow due to COVID-19
• Have not been able to secure adequate relief from other sources

Start the funding request process here

• Small- and medium-sized business registered in NL/NB/NS/PE prior to March 1, 2020
• Short on cash flow due to COVID-19
• Have not been able to secure adequate relief from other sources such as CEBA

• recognized by an Inuit land claim organization (or have least one parent who is); and
• under the age of majority in their province/territory of residence

Funding is ongoing

• Submit your request for Inuit children to Indigenous Services Canada through the regional representative for your province or territory; or
• call the national call centre at 1-855-572-4453, which is available 24 hours per day, 7 days a week.

• Full-time and part-time students in a qualifying program at a designated educational institution

• Maximum Canada Student Grant amount increased to $6,000 for full-time students and $3,600 for part-time students
• Maximum weekly loan limit increased from $210/week to $350/week

• Canada Student Loans - COVID-19
• Canada Student Grants and Loans - overview