Subsidy and COVID-19 Related Programs:
Resources for Individuals, Businesses and Personal 

Resources for Individuals
For more information on the programs for individuals through the Alberta government please click here and for more information through the Canadian government please click here and read below.

Salary Top-Up for Low Income Workers
A temporary top-up to the salaries of low-income workers (those who earn less than $2,500 per month on a full-time basis), that the provinces and territories have deemed essential in the fight against COVID-19. Details have not yet been released. Any new updates will be added here.

Emergency Isolation Support (AB)
This program has now been closed – please apply for the Canadian Emergency Response Benefit instead.

Canada Emergency Response Benefit (CERB)
If you have stopped working because of COVID-19, the Canada Emergency Response Benefit (CERB) may provide you with temporary income support. The CERB provides $500 a week for up to 16 weeks. Please note that you must re-apply every 4 weeks – you are not automatically enrolled each period. This is due to the government wanting to know that your income situation has not changed. If your situation continues, you can re-apply for a payment for multiple 4-week periods, to maximum of 16 weeks (4 periods).

Who Can Apply?
• Residing in Canada, who are at least 15 years old;
• Who have stopped working because of COVID-19 or are eligible for Employment Insurance regular or sickness benefits or have exhausted their Employment Insurance regular benefits between December 29, 2019, and October 3, 2020;
• Who had employment and/or self-employment income of at least $5,000 in 2019 or in the 12 months prior to the date of their application; and,
• Who have not quit their job voluntarily.

When submitting your first claim, you cannot have earned more than $1,000 in employment and/or self-employment in income for 14 or more consecutive days within the four-week benefit period of your claim.

When submitting subsequent claims, you cannot have earned more than $1,000 in employment and/or self-employment income for the entire four-week benefit period of your new claim.

On April 15, the following eligibility was added:
• Allow people to earn up to $1,000 per month while collecting the CERB.
• Extend the CERB to seasonal workers who have exhausted their EI regular benefits and are unable to undertake their regular seasonal work because of COVID-19.
• Extend the CERB to workers who have recently exhausted their EI regular benefits and are unable to find a job because of COVID-19.

When Can You Apply
• If you were born in the month of January to March: Apply for CERB on Mondays.
• If you were born in the month of April to June: Apply for CERB on Tuesdays.
• If you were born in the month of July to September: Apply for CERB on Wednesdays.
• If you were born in the month of October to December: Apply for CERB on Thursdays.
Any Month: Apply for CERB on Fridays, Saturdays and Sundays. 

How Do I Apply?
1) Online
2) Over the phone with an automated phone service: 1-800-959-2019 or 1-800-959-2041
• Both of these services are available 21 hours a day, 7 days a week. Both services are closed from 3:00am to 6:00am (Eastern time) for maintenance.
• You can apply online for a callback from Service Canada to avoid the hold times here.

Canada Emergency Student Benefit (CESB)
This benefit is for students who do not qualify for the Canada Emergency Response Benefit (CERB) or Employment Insurance (EI). This will provide Financial support to post-secondary students, and recent post-secondary and high school graduates who are unable to find work due to COVID-19.

From May to August 2020, the CESB provides a payment to eligible students of: $1,2500 for each 4-week period or $2,000 for each 4-week period if you have dependants or a disability.

Who Can Apply?
Please fill out the questionnaire on this page to find out if you are eligible for this subsidy

When Can You Apply?
Applications are currently open

Where Can You Apply?
Sign into your CRA account or by Phone 1-800-959-2019

Unemployment Benefits – Sickness
Employment Insurance (EI) sickness benefits provide up to 15 weeks of income replacement and is available to eligible claimants. You could receive 55% of your earnings up to a maximum of $573 a week

Who Can Apply?
Workers who are unable to work because of illness, injury or quarantine who have worked a minimum 600 hours in a 52-week period

When Can You Apply?
As soon as you stop working. The need for a medical certificate has been waived.

How Do I Apply?
Apply Online first
• To waive the 1 week waiting period, call:1-833-381-2725 (toll-free)

Canada Child Benefit (CCB)
The maximum annual CCB payment for 19-20 will be raised by $300 per child. Families will receive an extra $300 per child as part of their May payment. Those who already receive the CCB do not need to re-apply. For more information, or to apply please go here.

Goods and Services Tax Credit
A one-time special payment starting April 9 will be provided through Goods and Services Tax credit for low-and modest-income families. The average additional benefit will be close to $400 for single individuals and close to $600 for couples. There is no need to apply for this payment. If you are eligible, you will get it automatically. For more information, or to apply please go here.

Mortgage Support 
Canadian banks have committed to work with their customers on a case-by-case basis to find solutions to help them manage hardships caused by COVID-19. This includes permitting lenders to defer up to six monthly mortgage payments (interest and principal) for impacted borrowers. Consult your banks COVID-19 page for more information.

Registered Retirement Income Funds
The required minimum withdrawals from Registered Retirement Income Funds (RRIFs) has been reduced by 25 per cent for 2020.

Utility Payment Deferral (AB)
Residential customers can defer electricity and natural gas bill payments for the next 90 days to ensure no one will be cut off, regardless of the service provider.

Who Can Apply?
This program is available to Albertans who are experiencing financial hardship as a direct result of COVID-19. For example, those who have lost their employment or had to leave work to take care of an ill family member.

When Can You Apply?
When you need it.

How Do I Apply?
Call your utility provider directly to arrange for a 90-day deferral on all payments.

Individuals – Income Tax Filing
Filing date for 2019 tax year – June 1, 2020 [extended]
Payment date for 2019 tax year – September 1, 2020 [extended]
• File as early as possible if you expect an income tax refund.

Student Loans Repayment Deferral (AB)
Alberta Student Loan repayments will be paused for 6 months, beginning March 30, 2020. Interest will not accrue during this period. Students do not need to apply for the repayment pause. Borrowers may continue making payments during this period if they choose.

Resources for Businesses
For more information on the programs for businesses through the Alberta government please click here and for more information through the Canadian government please click here and read below.

Temporary Wage Subsidy
The Temporary Wage Subsidy for Employers is a three-month measure that will allow eligible employers to reduce the amount of payroll deductions required to be remitted to the Canada Revenue Agency (CRA). The subsidy is equal to 10% of the remuneration you pay between March 18, 2020, and June 20, 2020, up to $1,375 per employee and to a maximum of $25,000 total per employer. (The Government of Canada has also announced a 75% wage subsidy for Canadian businesses whose revenue has decreased by 30% or more due to the pandemic and as at March 31st, the details are not yet available. When they become available, the program will be added to this resource page).

Who Can Apply?
You must meet all the requirements:
• Are a non-profit organization, registered charity, or a Canadian-controlled private corporation (CCPC);
• Have an existing business number and payroll program account with the CRA on March 18, 2020; and
• Pay salary, wages, bonuses, or other remuneration to an employee.

When Can You Apply?
Right away.

How Do I Apply?
Small businesses will get wage support by reducing how much they hand over in payroll deductions to the Canada Revenue Agency (CRA) rather than receiving a government cheque.

Canada Emergency Wage Subsidy (CEWS)
The Government of Canada has announced an emergency wage subsidy for Canadian businesses whose revenue has decreased by 30% or more due to the pandemic. This would provide a 75% wage subsidy to eligible employers for up to 12 weeks, retroactive to March 15, 2020. The subsidy is 75% of an employees’ wages, up to a maximum of $847 per week, per employee. In order to qualify for this maximum amount the employee must be earning $58,700 per year or more. (Information as of April 1, 2020).

Who Can Apply?
You must meet all the requirements:
• Are a non-profit organization, registered charity, or a Canadian-controlled private corporation (CCPC);
• Have an existing business number and payroll program account with the CRA on March 18, 2020; and
• Pay salary, wages, bonuses, or other remuneration to an employee.

When Can You Apply?
Businesses will apply online through a Canada Revenue Agency portal, which will be available within the next 6 to 9 weeks.

How Do I Apply?
Businesses will apply online through Canada Revenue Agency portal, which will be available within the next 6 to 9 weeks.

Regional Relief and Recovery Fund (RRRF) – up to $40k
Western Economic Diversification Canada (WD) will provide eligible small- and medium-sized enterprises (SMEs) with an interest-free repayable contribution of up to $40,000 to help alleviate financial hardship resulting from COVID-19. The objective of this program is to assist western Canadian SMEs that do not qualify for the Canadian Emergency Business Account (CEBA) program or the RRRF – Community Futures Stream.

Who Can Apply?
You can use the RRRF Eligibility Assistant to check your eligibility here.

Businesses must meet the following mandatory criteria:
• Have fewer than 500 full-time employees (FTEs)
• Are located in Western Canada (defined as British Columbia, Alberta, Saskatchewan or Manitoba)
• Are not located in an area serviced by a Community Futures (CF) office
Find and contact your local CF office in British Columbia
Find and contact your local CF office in Alberta
Find and contact your local CF office in Saskatchewan
Find and contact your local CF office in Manitoba 

• Are not eligible for the RRRF – Community Futures Stream
• Have applied and were declined for funding from the Canada Emergency Business Account (CEBA) or were not eligible for CEBA funding
• Were operational as of March 1, 2020
• Have suffered financially because of COVID-19 pandemic

When Can You Apply?
Applications will be accepted on an ongoing basis, RRRF will close once it successfully distributes funds to eligible businesses across Western Canada.

How do You Apply?
• You can use the application guide found here to assist you with your application
• The application can be found here

Regional Relief and Recovery Fund (RRRF) – over $40k
To ensure that small businesses have access to the capital they need to see them through the current challenges resulting from COVID-19, Western Economic Diversification Canada (WD) will provide eligible businesses with interest-free repayable funding up to $1,000,000 under the Regional Relief and Recovery Fund (RRRF).

Who Can Apply?
You can use the RRRF Eligibility Assistant to check your eligibility here.

Businesses must meet the following mandatory criteria:
• Have less than 500 full-time employees (FTEs)
• Are incorporated to operate in Canada
• Were operational as of March 1, 2020
• Are located in Western Canada (defined as British Columbia, Alberta, Saskatchewan or Manitoba)
• Have suffered financially because of COVID-19 pandemic
• Can demonstrate 2019 revenue of less than $10 million, or pre-revenue businesses that received angel or venture capital funding
• Have applied for funding from other federal COVID-19 support measures, such as the Business Development Bank of Canada’s Co-Lending Program, and Export Development Canada’s Business Credit Availability Program
• Intend to continue operations in Western Canada
• Can describe the financial impact that COVID-19 has had on its operations and outline how WD funding will help support the Western Canadian economy to:
• retain diverse and valuable talent
• maintain sector knowledge and skills
• maintain capital flow
• maintain critical supply chain disruptions
• protect technologies and processes that improve resilience, productivity, and/or competitiveness
• protect vital intellectual property

Businesses that have received support from other Government of Canada relief funding measures, including the Business Development Bank of Canada’s Co-Lending Program, Working Capital Loan, and Oil and Gas Sector Capital Loan, as well as Export Development Canada’s Business Credit Availability Program, but require additional funding to mitigate liquidity pressures may still apply.

Sole proprietorship and not-for-profits are not eligible for RRRF.

When Can You Apply?
Applications will be accepted on an ongoing basis, RRRF will close once it successfully distributes funds to eligible businesses across Western Canada.

How do You Apply?
• You can use the application guide found here to assist you with your application
• The application can be found here

Work-Sharing Program
Effective March 15, 2020 to March 14, 2021, the Government of Canada is introducing temporary special measures:
• Extension of the maximum possible duration of an agreement from 38 weeks to 76 weeks.
• Mandatory cooling off period has been waived for employers who have already used the Work-Sharing program so that eligible employers may immediately enter into a new agreement.
• Reduce the previous requirements for a Recovery Plan to a single line of text in the application form.
• Reduce the requirement and expand eligibility to employers affected by accepting business who have been in business for only 1 year rather than 2, and eliminate the burden of having to provide sales/production figures at the same time, and
• Expand eligibility for staff who are essential to recovery, Government Business Enterprises (GBEs) and non-for-profit organization employers.

Who Can Apply?
• Be a year-round business in Canada for at least 1 year
• Be a private business or a publicly held company, or
• Have at least 2 employees in the WS unit
• Government Business Enterprises (GBEs), also referred to as public corporations, and
• Not-for-profit employers experiencing a shortage of work due to a reduction of business activity and/or a reduction in revenue levels due to COVID-19.

When Can You Apply?
Employers are now requested to submit their applications 10 calendar days prior to the requested start date.

How Do I Apply?
To apply for the Work-Sharing program, employers must submit:
Application for a Work-Sharing Agreement form (EMP5100)
Attachment A: Work-Sharing Unit form (EMP5101).

Business Credit Availability Program (BCAP)
Business Credit Availability Program (BCAP) was established to provide additional support through the Business Development Bank of Canada (BDC) and Export Development Canada (EDC). The program includes:

Loan Guarantee for Small and Medium Enterprises: EDC working with financial institutions to guarantee 80% of new operating credit and cash flow term loans of up to $6.25 million, to be used for operating expenses. Contact your financial institution for more information.

Co-Lending Program for Small and Medium Enterprises: BDC working with financial institutions to co-lend term loans for operational cash flow requirements. The program offers differing maximum finance amounts based on business revenues, 80% by BDC and 20% by your financial institution. This support is available until Sept 30, 2020. Contract with your financial institution for more information.

Canada Emergency Business Account (CEBA)
CEBA will provide interest-free loans of up to $40,000 to small businesses and not-for-profits, to help cover their operating costs during a period where their revenues have been temporarily reduced. To qualify, these organization will need to demonstrate they paid between $20,000 to $1.5 million in total payroll in 2019. Business owners can apply for support from the Canada Emergency Business Account through their banks and credit unions.

Canada Emergency Commercial Rent Assistance (CECRA)

This program will lower rent by 75 per cent for small businesses and will provide forgivable loans to qualifying commercial property owners to cover 50% of three monthly rent payments that are payable by eligible small business tenants who are experiencing financial hardship during April, May, June.

The loans will be forgiven if the mortgaged property owner agrees to reduce small business tenants’ rent bt at least 75% under a rent forgiveness agreement, which will include a term not to evict the tenant while the agreement is in place. The small business tenant would cover the remainder, up to 25% of the rent.

This program is expected to roll out in Mid-May. Any new updates will be added here.

Canadian Chamber of Commerce
It is vital for Canadian businesses to have contingency plans in place to manage potential financial risk. The Canadian Chamber of Commerce has developed a comprehensive preparedness guide

Income Tax Filing
Self-employed and their spouse or common law partner:
Filing date for 2019 tax year – 6 months after your tax year end [unchanged]
Payment date for 2019 tax year – September 1, 2020 [extended]

Corporations:
Filing date for 2019 tax year – June 15, 2020 [unchanged]
Payment date for 2019 tax year – September 1, 2020 [extended]

Trusts:
Filing date for 2019 tax year – May 1, 2020 [unchanged]
Payment date for 2019 tax year – September 1, 2020 [extended]

Charities:
Filing date for 2019 tax year – December 31, 2020 [unchanged]

Payroll:
Please go to the website for more information

Other Information for Employers:
FAQ for Employers
Alberta Employer Obligations

Other Information for Landlords:
Rent Deferment
Landlord/Tenant Relationship during COVID-19

Personal Resources
Government of Canada Updates
Alberta Health Services
Online screening for Albertans
City of Calgary or call 3-1-1
City of Edmonton or call 3-1-1
Distress Centre of Calgary or call 403-266-HELP (4357)
Distress Centre of Edmonton or call 780-482-HELP (4357)
I Got Mind – Free Webinars/Resources
Help in Tough Times AHS
MyAlberta Digital ID Registration/Sign-In
CRA Account Registration/Sign-In