COVID-19: Which compensation program for your situation?

Published: 

 

Depending on your situation, there are different compensation programs to help you deal with the financial impact of COVID-19. You can read more about these programs below.

For all other legal information related to the COVID-19 crisis, read our web guide on the topic.

Last update: 2020/05/22 15:57

 

Your situation

Compensation programs available

You have lost your job

Employment Insurance (EI)

Canada Emergency Response Benefit (CERB)

You still have your job but are not being paid because your employer has told you not to come to work (laid off)

Employment Insurance (EI)

Canada Emergency Response Benefit (CERB)

You are self-employed or a contract worker and do not contribute to Employment Insurance

Canada Emergency Response Benefit (CERB)
You make less than $1,000 a month (as employee or self-employed Canada Emergency Response Benefit (CERB)

You are sick with COVID-19 or have symptoms of COVID-19

Paid time off or private insurance

Employment Insurance Sickness Benefit

Canada Emergency Response Benefit (CERB)

You cannot work because you are taking care of someone with COVID-19 or you are in isolation because you have been in contact with someone with COVID-19

Canada Emergency Response Benefit (CERB)

You have returned from abroad and you are in self-isolation for 14 days

Employment Insurance Sickness Benefit

Canada Emergency Response Benefit (CERB)

You employer tells you to go into quarantine

Employment Insurance Sickness Benefit

Canada Emergency Response Benefit (CERB)

You cannot work because you self-isolating for health reasons due to COVID-19 Canada Emergency Response Benefit (CERB)

You must stay home because schools and daycares are closed, or you must take care of your kids

Canada Emergency Response Benefit (CERB)
You are on maternity, paternity or parental leave or you are returning from leave and you have lost your job or cannot work due to COVID-19 Canada Emergency Response Benefit (CERB)
Your Employment Insurance benefits ran out between December 29, 2019 and today and you cannot return to work or cannot find work Canada Emergency Response Benefit (CERB)
Your employer is receiving a government subsidy to pay your salary You cannot combine the wage subsidy with the Canada Emergency Response Benefit (CERB)
You work for an essential service and you make less than $550 before taxes and deductions per week (gross salary) Incentive Program to Retain Essential Workers (IPREW)
You are enrolled in CEGEP, University or professional training for the fall of 2020 Canada Emergency Student Benefit
You completed or stopped college, university or professional training since December 2019 Canada Emergency Student Benefit

 

Certain situations are not currently covered by any government compensation program:

  • You quit your job on your own.
  • You have not worked for a while and you are currently working for work. In this case, you can only receive the Canada Emergency Response Benefit if you received Employment Insurance benefits between December 29, 2019 and today.
  • You made less than $5,000 in 2019 or in the last 12 months.
  • You had two jobs and you lost one but are still being paid by the other.
  • You are still working, but make less than $1,000 a month

Attention! If you are not eligible for any compensation programs, you may be eligible for social assistance from the Quebec government. You can consult the Quebec government’s SimulAide website to verify your admissibility.

 

 

You have lost your job

 

If you have lost your job, there are two primary programs that can help you. The choice of program depends on what date you stopped working.

If you stopped working before March 15, 2020, you must apply to Employment Insurance (EI). If you stopped working after March 15, 2020, you must apply to the Canadian Emergency Response Benefit (CERB). If you have applied for EI since March 15th, 2020, you will be automatically enrolled for the CERB. You will not need to reapply.

 

Employment Insurance (EI)

Who qualifies for Employment Insurance?

If you stopped working before March 15th, 2020, you must apply for Employment Insurance (EI).

You are only eligible for EI if you have contributed to it. If you have an employer, you likely already contribute to EI automatically each paycheque.

To qualify for EI, you must have worked a minimum number of hours over the past year (between 420 and 700 depending on your region). This means that you can qualify even if you work part-time. You do not need to be a Canadian citizen to qualify for EI. To learn more, please see our article on Employment Insurance

How much can you get?

You normally get 55% of your salary, with a maximum of $573 a week. However, no matter your salary, you will receive $500 a month for 4 months (the same amount as the Canada Emergency Response Benefit).

How to apply?

You can apply now on the Canadian government’s website.

You will be asked to list all your jobs over the last year. You must make sure that your Records of Employment are available.  Employers must give you a Record of Employment when you stop working for them. If your Record of Employment is on paper, you must mail it to the Employment Insurance program. All other Records of Employment (digital or given by a payroll company) will be automatically sent to Employment Insurance for you.

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You have stopped working due to COVID-19 and you do not have paid leave or do not qualify for Employment Insurance.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster.  

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You still have your job but are not being paid because your employer has told you not to come to work

 

Canadian Emergency Response Benefit (CERB)

If you have lost your job, there are two primary programs that can help you. The choice of program depends on what date you stopped working.

If you stopped working before March 15, 2020, you must apply to Employment Insurance (EI). If you stopped working after March 15, 2020, you must apply to the Canadian Emergency Response Benefit (CERB). If you have applied for EI since March 15th, 2020, you will be automatically enrolled for the CERB. You will not need to reapply.

 

Employment Insurance (EI)

Who qualifies for Employment Insurance?

If you stopped working before March 15th, 2020, you must apply for Employment Insurance (EI).

You are only eligible for EI if you have contributed to it. If you have an employer, you likely already contribute to EI automatically each paycheque.

To qualify for EI, you must have worked a minimum number of hours over the past year (between 420 and 700 depending on your region). This means that you can qualify even if you work part-time. You do not need to be a Canadian citizen to qualify for EI. To learn more, please see our article on Employment Insurance

How much can you get?

You normally get 55% of your salary, with a maximum of $573 a week. However, no matter your salary, you will receive $500 a month for 4 months (the same amount as the Canada Emergency Response Benefit).

How to apply?

You can apply now on the Canadian government’s website.

You will be asked to list all your jobs over the last year. You must make sure that your Records of Employment are available.  Employers must give you a Record of Employment when you stop working for them. If your Record of Employment is on paper, you must mail it to the Employment Insurance program. All other Records of Employment (digital or given by a payroll company) will be automatically sent to Employment Insurance for you.

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You have stopped working due to COVID-19 and you do not have paid leave or do not qualify for Employment Insurance.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster.  

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You make less than $1,000 a month (as employee or self-employed)

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all these things are true:

  • You have stopped working due to COVID-19 and you do not have paid leave or do not qualify for Employment Insurance.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You are sick with COVID-19 or you have symptoms of COVID-19

 

If you are sick or show symptoms of COVID-19, you can get compensation.

 

Paid Time Off or Private Insurance

Check with your employer or your insurance if you can take paid sick days or paid short-term leave.  

 

Employment Insurance Sickness Benefits

Who qualifies for Employment Insurance Sickness Benefits?

You can receive Employment Insurance Sickness Benefits if both these things are true:

  • You have contributed to Employment Insurance. (If you have an employer, you likely already contribute to EI automatically each paycheque.)
  • You have worked at least 600 hours in the past year.

How much can you get?

You will receive $500 a month for 4 months (the same amount as the Canada Emergency Response Benefit).

Normally, you do not receive benefits for the first week of your isolation. However, you can call Employment Insurance at 1 833 381-2725 and ask for the 1-week waiting period to be waived.

How to apply?

You can apply online on the Canadian government’s website.

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You are sick with COVID-19 or you have symptoms of COVID-19.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You have returned from abroad and are in isolation for 14 days

 

Employment Insurance Sickness Benefits

Who qualifies for Employment Insurance Sickness Benefits?

If you returned from abroad since March 15, 2020, you must apply for the Canadian Emergency Response Benefit (CERB). If you returned from abroad before March 15th, 2020, you must apply for the Employment Insurance Sickness Benefit. You can receive this benefit if:

  • You have contributed to Employment Insurance (If you have an employer, you likely already contribute to EI automatically each paycheque.) AND
  • You have worked at least 600 hours in the past year.

How much can you get?

You will receive $500 a month for 4 months (the same amount as the Canada Emergency Response Benefit).

Normally, you do not receive benefits for the first week of your isolation. However, you can call Employment Insurance at 1 833 381-2725 and ask for the 1-week waiting period to be waived.

How to apply?

You can apply online on the Canadian government’s website.

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You are quarantined due to COVID-19.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

Your employer tells you to go into quarantine

 

Employment Insurance Sickness Benefits

Who qualifies for Employment Insurance Sickness Benefits?

If your employer has told you to self-isolate before March 15th, 2020, you must apply for the Employment Insurance Sickness Benefit. If you were told to self-isolate after March 15th, 2020, you must apply for the Canadian Emergency Response Benefit (CERB). You can receive Employment Insurance Sickness Benefits if:

  • You have contributed to Employment Insurance (If you have an employer, you likely already contribute to EI automatically each paycheque.) AND
  • You have worked at least 600 hours in the past year.

How much can you get?

You will receive $500 a month for 4 months (the same amount as the Canada Emergency Response Benefit).

Normally, you do not receive benefits for the first week of your isolation. However, you can call Employment Insurance at 1 833 381-2725 and ask for the 1-week waiting period to be waived.

How to apply?

You can apply online on the Canadian government’s website.

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You are sick with COVID-19 or you have symptoms of COVID-19.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You Cannot Work Because You are Self-Isolating for health reasons due to COVID-19

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You have stopped working due to COVID-19, you do not have any paid leave.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You cannot work because you are taking care of someone with COVID-19

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You have stopped working due to COVID-19, you do not have any paid leave.
  • If you can continue working, you do not make more than $1,000 a month.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB..

 

You cannot work because you must take care of your kids

 

Canadian Emergency Response Benefit (CERB)

The Canadian Emergency Response Benefit (CERB) is a new program announced by the Canadian government. The CERB is for Canadians who stopped working after March 15th, 2020 due to COVID-19.

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • You cannot work because you have to take care of your kids.
  • If you can continue working, you do not make more than $1,000.
  • You did not quit your job on your own.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You are on maternity, paternity or parental leave or you are returning from leave and you have lost your job or cannot work

 

You must finish receiving your benefits from your maternity, paternity, or parental leave. Once finished, and you cannot work due to COVID-19, you can apply for the Canadian Emergency Response Benefit (CERB).

If you have returned from your maternity, paternity, or parental leave since March 18th, 2020 and you cannot find work, you can also apply for the CERB.

 

Canadian Emergency Response Benefit (CERB)

Who qualifies for the CERB?

The majority of Canadians who have lost their jobs due to COVID-19 qualify for the Canadian Emergency Response Benefit.

Both salaried and self-employed workers are eligible. You qualify for the CERB if all of these things are true:

  • If you can continue working, you do not make more than $1,000.
  • You made at least $5,000 in 2019 or in the 12 months prior to applying. You do not have to have made the $5,000 while in Canada. The $5,000 can come from any combination of a job, freelance contracts, self-employment, Employment Insurance payments or from maternal leave, paternal leave or parental leave.
  • You are at least 15 years old.

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

Your Employment Insurance benefits ran out between December 29, 2019 and today and you cannot return to work or cannot find work

 

You can apply for the Canadian Emergency Response Benefit (CERB) if your Employment Insurance (EI) benefits expired between December 29, 2019. For example, seasonal workers who recently finished their EI benefits would qualify.  

How much can you get?

You will get $2,000 a month for up to 4 months. The CERB is taxable. To remain eligible, you must attest each month that you are not making more than $1,000 a month.

These are some of the types of revenues that count towards the limit of $1,000 a month:

  • Employment revenue
  • Self-employment revenue
  • Tips
  • Non-determined dividends
  • Fees
  • Licence fees

Old age pensions and student loans and bursaries are not counted against the $1,000 a month limit.

How to apply?

You can now apply by phone or online. Your application date will be determined based on what month you were born.

The only information that you will have to provide is your contact information and your social security number. You must also attest that you qualify. Keep in mind that the government may ask you for more documents in the future.

You should get your first payment within 10 days of your application, either by direct deposit or by cheque. The government has indicated that payments by direct deposit will arrive faster. 

If you applied for Employment Insurance after March 15, you do not have to reapply. You will be automatically enrolled for the CERB.

 

You work for an essential service and you make less than $550 before taxes and deductions per week (gross salary)

 

The Quebec government has announced the Incentive Program to Retain Essential Workers (IPREW). The IPREW is meant for essential workers who receive a low wage.

Who qualifies for the IPREW?

To receive the IPREW, you must:

  • Work for an essential service designated by the Quebec government (full time or part-time).
  • Must have lived in Quebec on December 31, 2019 and currently live in Quebec.
  • Make $550 a week before taxes and deductions (gross salary).
  • Have made at least $5,000 and no more than $38,600 in 2020.
  • Be at least 15 years old.

How much can you get?

You will get $100 per week for 16 weeks (4 months). This can be made retroactive to March 15, 2020.

How to apply?

You can apply online starting May 19, 2020. To apply, you must register your account with Revenu Quebec and sign up for direct deposit.

 

You are enrolled in CEGEP, university, or a professional training program for the fall of 2020

 

The Canada Emergency Student Benefit (CESB) is a program announced by the Canadian government for most students who do not qualify for the Canada Emergency Relief Benefit (CERB).

Who qualifies?

To receive the CESB, you must:

  • Be enrolled in CEGEP, university, or a professional training program for the fall of 2020. If you graduated from secondary school or you will graduate in 2020, you must apply for a program which will begin by February 1st, 2021.
  • You make less than $1,000/month (before taxes).
  • You cannot find work due to COVID-19 or you stopped working due to COVID-19.

You can apply for the CESB if you do not qualify for the CERB.

How much can you get?

The CESB pays $1,250 per month from May to August. However, if you have a disability, have dependents or are taking care of someone, you will receive $1,750 a month.

You can receive the CESB for 4 months (May, June, July, August). You must re-confirm each month that you are not working or that you cannot work due to COVID-19. You must also confirm that you have looked for work.

How to apply?

Applications can be made through the Canada Revenue Agency’s website.

For now, the only information that you will be asked to provide is your contact information and your social insurance number. You must also confirm that you are eligible for the CESB. Keep in mind that the government can ask you for documents later

 

You completed or stopped college, university or professional training since December 2019

 

The Canada Emergency Student Benefit (CESB) is a new program announced by the Canadian government for students who do not qualify for the Canada Emergency Relief Benefit (CERB). The details were announced here.

Who qualifies?

To receive the CESB, you must:

 

  • Have completed or stopped studying for your diploma from a university, CEGEP, or a professional training program since December 2019
  • Make less than $1,000/month (before taxes).
  • You cannot find work, or you have stopped working due to COVID-19.

You cannot apply for this benefit if you are a foreign student.

How much can you get?

The CESB pays $1,250 per month from May to August. However, if you have a disability, have dependents, or are taking care of someone, you will receive $1,750 per month. You must confirm that you remain eligible each month. You must also confirm that you cannot find work, or you have stopped working due to COVID-19. You must also confirm that you have looked for work.  

How to apply?

Applications can be made through the Canada Revenue Agency’s website.

For now, the only information that you will be asked to provide is your contact information and your social insurance number. You must also confirm that you are eligible for the CESB. Keep in mind that the government can ask you for documents later.

 

 

Other financial assistance programs

 

You are receiving the Canada Child Benefit

The Canada Child Benefit will be increased by $300 for the month of May.

For more information, please see the Canadian government’s website.

 

You have student loans

The Canadian and Quebec governments have deferred student loan payments for 6 months. You will not have to pay your loans during this period. No interest will be added. This has been done automatically so you do not have to take any action.

For more information on student loans, you can consult the frequently asked questions on the Ministry of Education’s website or the Canadian government’s website.

 

You have a modest or low income

The Goods and Sales Tax (GST) credit will be increased at the start of May. A single person can receive up to $400. Couples can receive up to $600.

For more information on the GST credit, please visit the Canadian government’s website.  

 

For Businesses

The Canadian government has announced a 75% wage subsidy for all businesses that have had revenues drop at least 15% due to COVID-19. This assistance will be available for a 3-month period and will subsidize up to $847 of an employee’s salary per week. More details will be announced soon.