Personal Benefits Available for COVID-19 Support

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What to do if you or a family member is sick and awaiting test results, or if you now have to stay home to care for kids because of school closures: A comparison of government programs that could be available to you.

Employment Insurance (EI)

To apply for EI you will have to submit a record of employment (ROE) for each job you had in the last 52 weeks or in the 52 weeks before you began receiving your Canada Emergency Response Benefit (CERB).  If you received CERB, the 52 week period to accumulate ensured hours will be extended.  If you received CERB through Service Canada and continued to complete the eligibility reports, your ROE will be reviewed automatically and a claim will be started for EI if you qualify. If you do not qualify you will be notified by email. You will have to apply for EI after your CERB ends if you have a SIN number that starts with 9, if you’re self-employed or if you declared that you returned to work on your last CERB report. If you received CERB through Canada Revenue Agency you can apply for EI by visiting the Government of Canada’s website.

If you did not receive the CERB benefit you can apply for EI if you had 120 insured hours in the last 52 weeks. You will receive at least $500 per week before taxes or $300 per week before taxes for extended parental benefits.

Canada Recovery benefit (CRB)

If you do not qualify for employment insurance you may qualify for CRB if the following are met:

  • you reside in Canada and are present in Canada,
  • are 15 years of age or older,
  • have a valid SIN number,
  • were not employed or self employed for reasons relating to COVID-19,
  • had a 50% reduction in your average weekly income compared to the previous year due to COVID-19,
  • did not apply for or receive Canadian Recovery Sickness Benefit (CRSB), Canadian Recovery Caregiving Benefit (CRCB), short term disability benefits, or Employment Insurance (EI),
  • earned at least $5,000 in 2019, 2020, or in the 12 months before you apply,
  • have not quit your job or reduced your hours voluntarily on or after September 27, 2020,
  • have not turned down reasonable work and are seeking work

If you are eligible for CRB you can receive $1,000 ($900 after taxes withheld) for a 2-week period for up to 13 periods (or 26 weeks) if your situation continues past 2 weeks however you will to apply again for every eligible period.

Canadian Recovery Caregiving Benefit (CRCB)

If you are unable to work because you must care for a child under 12 years of age or a family member who needs supervised care you may be eligible for CRCB.

You are eligible for the 1-week period you are applying for if you were unable to work at least 50% of your scheduled workweek because:

  • you are caring for a family member because their school, daycare, care facility, or regular care services are unavailable due to COVID-19,
  • if the person under your care is sick with COVID-19, at risk of serious health complications if they get COVID-19 or self-isolating due to COVID-19,
  • if you reside in Canada and were present in Canada,
  • you are 15 years of age or older,
  • you have a valid SIN number,
  • you did not apply for or receive Canadian Recovery Sickness Benefit (CRSB), Canadian Recovery Benefit (CRB), short term disability benefits, or Employment Insurance (EI),
  • you earned at least $5,000 in 2019, 2020 or in the 12 months before you apply,
  • you are the only person in your household applying for the benefit for the 1-week period.

If you are eligible for CRCB your household can receive $500 ($450 after taxes withheld) for each 1-week period.

Canada Recovery Sickness Benefit (CRSB)

If you are unable to work because you are sick or need to self-isolate due to COVID-19, or have an underlying health condition that puts you at greater risk of getting COVID-19 you may qualify for CRSB.

You are eligible for the 1-week period if:

  • you are unable to work at least 50% of your scheduled workweek as you’re self-isolating because you are sick with COVID-19 or may have COVID-19,
  • you are advised to isolate due to COVID-19 or have underlying conditions that put you at greater risk of getting COVID-19,
  • you reside in Canada and were present in Canada,
  • you are 15 years of age or older,
  • you have a valid SIN number,
  • you did not apply for or receive Canadian Recovery Benefit (CRB), Canadian Recovery Caregiving Benefit (CRCB), short-term disability benefits, or Employment Insurance (EI),
  • you earned at least $5,000 in 2019, 2020 or in the 12 months before you apply.

If you are eligible for CRSB you may receive $500 ($450 after taxes withheld) for each 1-week period up to a 2-week maximum between September 27, 2020, and September 25, 2021 however you must apply separately for each 1-week period.

Should you have any further questions regarding the government benefits available to you or are seeking tax advice please call 780-532-4641 or email office@fulcrumgroup.ca.

References

Canada Revenue Agency. (2020, November 29). COVID-19 benefits and services- Benefits to help Canadians and businesses facing hardship as a result of global COVID-19 outbreak: https://www.canada.ca/en/services/benefits/covid19-emergency-benefits.html

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