COVID-19 HR & Income Support Webinar with FWE - PRESENTED ON
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COVID-19
HR & Income Support Webinar with FWE
PRESENTED ON
April 5th, 2020
PRESENTED BY
© Envol Solutions Inc. 2020
MAKE YOUR BUSINESS HUMAN
Envol delivers business impact to companies across North America through employer branding,
recruiting and human resources solutions. Whether you’re a big brand like University of Ottawa
or a small organization just getting off the ground, our solutions were built to scale.
We were founded in Vancouver, Canada with a mission to make your business human.
Let’s do this!
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 202005 Canada Emergency Response Benefit (CERB)
Today’s Key
Topics
13 Other Support for Workers
27 Canada Emergency Wage Subsidy
35 Other Support for Employers
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Disclaimer
We are not lawyers. Today’s content does not constitute legal advice. Envol Solutions Inc.
is not responsible for any errors or omissions, or for the results obtained from the use of
this information. All information is provided "as is", with no guarantee of completeness,
accuracy, timeliness or of the results obtained from the use of this information.
Information contained within is current to the best of our ability, as of 12pm on April 5th, 2020.
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Book a Consultation
If you're an employer that needs support, doesn’t know what to do next, or just needs an
ear – reach out. We are here for you. Connect with our team of HR specialists today:
Click Here to Book Your FREE Consultation
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Canada Emergency Response
Benefit (CERB)CERB | Overview
• $2,000 for a 4-week period (equivalent to $500 per week)
• Up to 16 weeks
• March 15, 2020 to October 3, 2020
• Taxable (not taxed at the source, you must declare these earnings on your 2020 tax return)
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | Eligibility Criteria
1. Reside in Canada, who are at least 15 years old
2. Have stopped working because of COVID-19 or are eligible for Employment Insurance regular
or sickness benefits
3. Had income of at least $5,000 in 2019 or in the 12 months prior to the date of their
application
4. Who are or expect to be without employment or self-employment income for at least 14
consecutive days in the initial four-week period or the period in which they apply for the
benefit*
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | Earning Income + CERB
You cannot earn any income while collecting the CERB.
To qualify, you must have 14 consecutive days without income for the first 4-week period, and no
income for each additional period you collect the CERB.
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | How to Apply
1. CRA MyAccount secure portal
2. Secure My Service Canada Account
3. Calling a toll-free number equipped with an automated application process
• Note: This number will be available as of April 6
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | Application Dates by Birth Month
Source: Government of Canada Website - https://www.canada.ca/en/services/benefits/ei/cerb-application.html
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | Money Matters & Payments
1. Payment Options:
• Direct Deposit: 3 business days
• Mailed Cheque: 10 days
2. No holds on payments
3. Taxes are not taken at the source
• You must declare your earnings on your 2020 tax return
4. If you choose Direct Deposit, your funds will deposit automatically every period
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020CERB | Pre-Application Checklist
1. Confirm you meet the eligibility criteria
2. Create & Register CRA MyAccount
• Note: Mailed validation codes take up to 10 business days to arrive
3. Sign up for Direct Deposit
4. Determine your best application date (by birth month)
5. Complete your application
6. Receive $$$ within:
• Direct Deposit: 3 business days
• Mailed Cheque: 10 days
More Information & FAQ: https://www.canada.ca/en/services/benefits/ei/cerb-application.html
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Other Support for Workers
BC Emergency Benefit
Link: https://www2.gov.bc.ca/gov/content/employment-business/covid-19-financial-supports/emergency-benefit-workers
How to apply: Information to apply for this benefit will be available here as soon as it is available.
What is the BC Emergency Benefit? The Province of British Columbia is providing a $1,000 one-
time tax-free payment to those workers unable to work due to COVID-19 whether because they
have been laid off, are sick, or are in quarantine. The credit is also available to those who are
collecting employment insurance or the Canadian Economic Response Benefit.
Learn more about BC’s response to COVID-19 here
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Canada Child Benefit (CCB) Increase
Link: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-apply.html
Click here to apply for the CCB
Please note: If you already receive the CCB from the government, you don’t need to take any
action to receive this additional benefit.
What is the Canada Child Benefit? The CCB is a tax-free monthly payment to families raising
children under the age of 18. During COVID-19, the government will be providing an additional
$300 per child for the 2019/2020 benefit year. This will be part of the scheduled benefit payment
in May.
Who is eligible for the CCB? Individuals eligible for this benefit must meet all of the following
criteria:
• They live with a child under 18 years of age
• They are primarily responsible for the care and upbringing of the child
• They are a resident of Canada for tax purposes
• They or their spouse or common-law partner are one of the following:
• Canadian citizen
• Permanent resident
• Protected person
• Temporary resident
Click here for more information on the increase of the Child Care Benefit
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Housing-Related Support
1. Support for BC Renters
2. BC Temporary Rental Supplement
3. Mortgage Payment Deferrals
4. BC Hydro Support
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Support for BC Renters
How to apply: No application needed.
What is the support for BC renters? No rent increases are allowed in BC effective April 1s, 2020 for
the duration of the state of emergency. In addition, evictions will not be permitted during COVID-
19, unless accepted as a special circumstance by the Residential Tenancy Branch for safety reasons.
Click here for more information on rental guidelines during COVID-19
Click here for more information on renter and landlord support
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020BC Temporary Rental Supplement
How to apply: Applications open mid-April. Eligibility and application process will be available here
soon.
What is the BC temporary rental supplement? This supplement provides up to $500 towards
monthly rent for individuals who have suffered a financial loss due to COVID-19, paid directly to
landlords.
Click here for more information
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Mortgage Payment Deferrals
How to apply: Contact your lender
What are mortgage payment deferrals? Mortgage payment deferral options may be available to
owners during the COVID-19 crisis. The deferral is an agreement between an owner and a lender to
agree to pause mortgage payments for a certain amount of time. Once the agreement ends, the
mortgage payments return to normal and the missed payments – including principal and
accumulated interest are repaid.
Click here for more information on non-CHMC insured loans
Click here for more information on CHMC insured loans
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020BC Hydro Support
BC Hydro is offering the following support plans, as well as halting all service disconnections for
non-payment of bills and reducing electricity rates by 1%:
1. COVID-19 Relief Fund: Applies a 3-month credit to your BC Hydro account for eligible customers
(avg credit will be $477).
How to apply: Applications will be accepted between April 6th - June 30th
Click here for more information on Relief Fund
2. COVID-19 Customer Assistance Program: Bill deferral and payment plans for customers
How to apply: Call 1-800-BC-HYDRO
Click here for more information on Customer Assistance Program
3. COVID-19 Customer Crisis Fund: Grants of up to $600 off your energy bill
Click here to apply
Click here for more information on Customer Crisis Fund
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Other Support for Workers
1. Federal & Provincial Loan Payment Freezes
2. GST Credit
3. Income Tax Filing Extension
4. Climate Action Tax Credit
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Federal & Provincial Loan Payment Freeze
How to apply: No action needed. All direct deposit payments for loan payments will be halted and
those who pay by cheque do not need to send in cheques during this time period.
What is the federal and provincial loan payment freeze? Any employees who have federal student
loans will be excused from making payments on the principle or interest from March 30, 2020 to
September 30, 2020. During this time, no interest will accumulate. This also applies to provincial
loans from the following provinces:
• Newfoundland and Labrador
• New Brunswick
• Ontario
• Saskatchewan
• British Columbia
More information on the moratorium on the repayment of Canada student loans here
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020GST Credit
What is the GST credit? A one-time GST credit will be paid out by early May 2020 to low- and
modest-income families to support during COVID-19. The credit will be worth $400 for single
individuals and close to $600 for couples.
Who is eligible? You are generally eligible for the GST tax credit if you are one of the following:
• At least 19 years old
• Have (or had) a spouse or common-law partner
• Are (or were) a parent and live (or lived) with your child
Note: Parents sharing custody may be eligible for half of the GST credit.
How to apply: You don’t need to apply for this benefit. It will be paid out automatically according
to your tax return.
Click here for more information on the GST Credit
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Individual Income Tax Filing Extension
Taxpayers who are required to make filings (I.e. returns, elections, designations, information
requests) that are due after March 18, 2020 can defer these filings to June 1, 2020 effective
immediately.
Click here for CRA’s additional measures for individuals and businesses
Click here for more information on income tax filing dates
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Climate Action Tax Credit
How to apply: Children under 18 years old must be registered for the CCB to qualify. No other
action is needed. The benefit is paid out according to your income tax return.
What is the Climate Action Tax Credit? The Province is providing an enhanced climate action tax
credit for those employees who pay income tax and who are otherwise eligible for that credit. This
credit will be a one-time boost of up to $564 for eligible families of 4 and $218 for eligible
individuals in an enhanced payment in July.
Who is eligible? Individuals are eligible to receive the credit if they are a resident of B.C. and they:
• are 19 years of age or older, or
• have a spouse or common-law partner, or
• are a parent who resides with your child
Click here for more information on the climate action tax credit
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020BC Job-Protected Leave due to COVID-19
• They have been diagnosed with COVID-19 (mandated / aligned with health recommendations)
• They are in quarantine or self-isolation (mandated / aligned with health recommendations)
• Their employer has directed them not to work due to concern about their exposure to others
• They need to provide care to their minor child or a dependent adult who is their child or former
foster child for a reason related to COVID-19, including a school, daycare or similar facility
closure
• They are outside of BC and unable to return to work due to travel or border restrictions
Retroactive to January 27, 2020
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Canada Emergency Wage Subsidy
Wage Subsidy | Overview
• 75% wage subsidy to employees’ wages for qualifying businesses, non-profits, and charities for
up to 3 months, retroactive to March 15, 2020.
• Subsidy will apply up to the first $58,700 normally earned by employees – representing a
benefit of up to a maximum of $847 per week per eligible employee.
• 12-week period: March 15 to June 6, 2020.
• Businesses who can afford to top up the remaining 25% of the wages are encouraged to do so.
Click here for more information on the Canada Emergency Wage Subsidy
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | Eligibility Criteria
1. Employers who have suffered a drop in gross revenues of at least 30% in March, April or May,
when compared to the same month in 2019, would be able to access the subsidy.
2. Eligible employers would include employers of all sizes and across all sectors of the economy,
excluding public sector entities.
3. For non-profit organizations and registered charities similarly affected by a loss of revenue,
the government will continue to work with the sector to ensure the definition of revenue is
appropriate to their circumstances.
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | Claim Periods
• March 15 - April 11, 2020
• April 12 - May 9, 2020
• May 10 - June 6, 2020
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | How to Apply
1. Canada Revenue Agency’s My Business Account online portal
2. More details regarding how to apply for the program will follow
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | Other Information
• The wage subsidy would be claimed against wages in three claiming periods: March 15-April 11;
April 12-May 9; May 10-June 6 for each of March, April and May, respectively.
• Employers are required to reapply for this wage subsidy each month.
• Employers must pay their employees’ wages first, then apply for the CEWS through the CRA’s
My Business Account portal. Payment will be received through direct deposit, if possible.
Employers must keep records of their arm’s length revenues and employee remuneration.
• It is estimated that the funds for the CEWS will be available 3-6 weeks after application is
received.
Click here for more information on the Canada Emergency Wage Subsidy
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | Other Information
Note: Businesses who have claimed the 10% Temporary Wage Subsidy can still claim the Canada
Emergency Wage Subsidy as well. If an employer does not qualify for the CEWS, they may still
qualify for the Temporary Wage Subsidy.
Contact us for more information: hello@envolstrategies.com
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Wage Subsidy | Temporary Wage Subsidy
Note: May be claimed separately from or in addition to CEWS
What is the Temporary Wage Subsidy? 10% of remuneration paid (up to $1,375 per employee and
$25,000 per employer)
Who is eligible?
1. Employer who is a: a. Canadian-controlled private corporation eligible for small business deduction;
1. individual (excluding trusts);
2. partnership with eligible partners;
3. non-profit organization; or
4. registered charity
2. Have CRA business number + payroll account on March 18; and
3. Pay remuneration to employee(s) in Canada
How to Apply:
• No application required:
• Calculate subsidy; and
• Reduce income tax (not CPP or EI) remittance by subsidy
When does it start? 3-month period from March 18, 2020 -June 20, 2020
Click here for the CRA: Frequently Asked Questions – Temporary Wage Subsidy for Employers
Click here for the Department of Finance news release (April 1, 2020)
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Other Support for Employers
Federal Income Tax Filing Extension
The CRA is extending the deadline to file and pay income taxes. Effective immediately, new
deadlines are as follows:
• Corporate tax return due after March 18, 2020 extended to June 1, 2020
• Partnership information return extended to May 1, 2020
• Trust tax return extended to May 1 or June 1, 2020 (depending on year-end)
Click here for more information on income tax filing dates
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Corporate Tax Filing Extension
Taxpayers who are required to make filings (I.e. returns, designations, elections, information
requests) that are due after March 18, 2020 can defer their filings to June 1, 2020.
Click here for CRA’s additional measures for individuals and businesses
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020GST, HST, Customs & Duties Tax Filing
Extension
The CRA is allowing all businesses to defer until after June 30, 2020 the payment of tax amounts
that become owing on or after today and before September 2020.
Click here for more information on GST, HST and Customs and Duties Tax Filing Extension
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020Together, we will get through this.
Book a Consultation
If you're an employer that needs support, doesn’t know what to do next, or just needs an
ear – reach out. We are here for you. Connect with our team of HR specialists today:
Click Here to Book Your FREE Consultation
Contact us for help: hello@envolstrategies.com
© Envol Solutions Inc. 2020WE’RE HERE TO HELP! hello@envolstrategies.com
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