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Covid-19 Supports

Business Credit Availability Program (BCAP)

The BCAP helps Canadian businesses obtain financing during the current period of significant uncertainty. BCAP will support access to financing for Canadian businesses in all sectors and regions. Through this program, Export Development Canada (EDC) and the Business Development Bank of Canada (BDC) will provide direct lending and other types of financial support.

Canada Child Benefit (CCB)

The CCB is a tax-free monthly payment made to eligible families to help with the cost of raising children under the age of 18 years of age. The CCB may include the child disability benefit and any related provincial and territorial programs. In response to the Covid-19 epidemic, eligible families may receive a one-time payment of up to $300 per child.

Canada Emergency Business Account (CEBA)

The Government of Canada is providing interest-free loans of up to $40,000 to small businesses and not-for-profits to help cover operating costs where revenues have been temporarily reduced due to the economic impacts of the Covid-19 epidemic.

Canada Emergency Commercial Rent Assistance for Small Businesses (CECRA)

The CECRA program provides 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, and June. More information is also available from Canada Mortgage & Housing Corporation (CMHC). This program is expected to be operational by mid-May.

Canada Emergency Response Benefit (CERB)

This benefit supports Canadians by providing financial support to employed and self-employed Canadians who are directly affected by COVID-19. It provides a payment of $2,000 for a 4-week period ($500/week) for up to 16 weeks.

Coronavirus (COVID-19) & Indigenous Communities

The Government of Canada offers support for First Nations and Inuit communities in preparing for, monitoring and responding to COVID-19. Available support includes information about protecting individuals and communities, links to supports for individuals, businesses, organizations& communities, as as well as updated information about confirmed Covid-19 cases and more.

Crown Corporations Interest Deferral Programs

SaskPower, SaskEnergy & SaskTel have interest waiver programs in place to respond to the financial pressures many residents are experiencing. The programs provide for a six-month grace period during which no interest, late penalties or disconnections will be applied. Following the grace period, customers can spread out the amount owing over the following 12 months. Many municipalities have similar programs in place for utility bills and property taxes - check you local municipalities' websites or contact your local council for additional information.

Emergency Care Benefit

Temporary income support may be available for eligible workers and parents in the amount of up to $900 bi-weekly, for up to 15 weeks. This benefit is intended to assist individuals that do not have access to paid sick leave and are required to stay home because they are sick, quarantined or required to stay home to care for children in the home.

Emergency Support Benefit

This benefit is intended to provide longer-term support for workers who lose their jobs or face reduced hours as a result of COVID’s impact. The benefit will be delivered through the CRA to provide up to $5.0 billion in support to workers who are not eligible for EI and who are facing unemployment.

Employment Insurance Sickness Benefits

Employment Insurance (EI) sickness benefits can provide you with up to 15 weeks of financial assistance if you cannot work for medical reasons. You could receive up to 55% of your earnings up to a maximum of $573 / month. If you applied for benefits after March 15, 2020 you may initially receive the CERB in place of sick benefits.

Federal Student Loans

In response to the Covid-19 epidemic, Canada Student Loan payments will be suspended without interest accruing to the borrower until September 20, 2020.

GST Credit

The goods and services tax/harmonized sales tax (GST/HST) credit is a tax-free quarterly payment that helps individuals and families with low and modest incomes offset all or part of the GST or HST that they pay. It may also include payments from provincial and territorial programs. Individuals who normally receive this credit and have filed a 2018 tax return will automatically receive an additional payment in response to the impact of the Covid-19 epidemic, effectively doubling the maximum benefits.

Income Tax Returns

The CRA has extended the deadline for filing income tax returns More information is available here.

Mortgage & Credit Support

Homeowners facing hardship related to the Covid-19 epidemic may be eligible for a mortgage payment deferral of up to six months. More information is available from Canada Mortgage & Housing Corporation (CMHC) or your financial institution.

Provincial Sales Tax

Saskatchewan businesses that are unable to remit their PST due to cashflow concerns will have three-month relief from penalty and interest charges. For further details, download the Information Notice, call the Saskatchewan tax inquiry line at 1-800-667-6102 or email SaskTaxInfo@gov.sk.ca

Minimum Registered Retirement Income Fund (RRIF) Withdrawals

In response to the Covid-19 epidemic, the minimum amount that must be withdrawn annually from a RIFF will be reduced by 25% for 2020 tax year.

Self-Isolation Support Program

This program offers financial assistance for Saskatchewan workers who are in self-isolation to counter the spread of the COVID-19 virus, and who cannot earn all of their work income and who were not eligible for another financial assistance program prior to the Canada Emergency Response Benefit.

Saskatchewan Small Business Emergency Payment Program

The Saskatchewan Small Business Emergency Payment program provides financial assistance to small businesses in Saskatchewan that have been ordered to temporarily close or significantly curtail operations during the public emergency period due to a public health order to help control transmission of COVID-19.

Tax Flexibility Measures for Businesses

The CRA will allow all business income tax payments that become payable on or after March 18, 2020 to be deferred until August 31, 2020. This relief applies to tax balances and instalments due under the Income Tax Act.

Temporary Wage Subsidy for Employers

Eligible employers may be able to receive a temporary 10% wage subsidy under a plan that will allow them to reduce the amount of payroll deductions they are generally required to remit to the CRA.

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