Here’s How You Can Apply For Government Benefits

At the moment people are being laid off, are unable to work or are working without pay. The Government of Canada has a number of benefits and programs in place to help Canadians make it through these uncertain days where we may be looking for support.

Employment Insurance

To find out if you are eligible to receive EI regular benefits, you must submit an application online. It will take about 60 minutes to complete the online application. Click here to apply.

Employment Insurance Sickness Benefit

If you are sick, quarantined or have been directed to self-isolate, the Government will waive the requirement to provide a medical certificate to access EI sickness benefits. Click here to apply.

Canada Emergency Response Benefit

The Government of Canada will provide a taxable benefit of $2,000 a month for up to 4 months to:

  • workers who must stop working due to COVID19 and do not have access to paid leave or other income support.
  • workers who are sick, quarantined, or taking care of someone who is sick with COVID-19.
  • working parents who must stay home without pay to care for children that are sick or need additional care because of school and daycare closures.
  • workers who still have their employment but are not being paid because there is currently not sufficient work and their employer has asked them not to come to work.
  • wage earners and self-employed individuals, including contract workers, who would not otherwise be eligible for Employment Insurance.

This benefit will be available to apply for in early April.

Canadians who are already receiving EI regular and sickness benefits as of today would continue to receive their benefits and should not apply to the CERB. If their EI benefits end before October 3, 2020, they could apply for the CERB once their EI benefits cease, if they are unable to return to work due to COVID-19. Canadians who have already applied for EI and whose application has not yet been processed would not need to reapply. Canadians who are eligible for EI regular and sickness benefits would still be able to access their normal EI benefits, if still unemployed, after the 16-week period covered by the CERB.

Canadians would begin to receive their CERB payments within 10 days of application. The CERB would be paid every four weeks and be available from March 15, 2020 until October 3, 2020.

Canada Child Benefit

The Federal Government is providing an extra $300 per child through the Canada Child Benefit (CCB) for 2019-20.

This benefit will be delivered as part of the scheduled CCB payment in May.

Canada Student Loan Relief

Effective March 30, the Federal Government is placing a six-month interest-free moratorium on the repayment of Canada Student Loans for all student loan borrowers. No payment will be required and interest will not accrue during this time.

Students do not need to apply for the repayment pause.

Mortgage Payment Deferrals

Do you have questions about mortgage deferrals or are you having problems paying your mortgage? The Canada Mortgage and Housing Corporation has information on dealing with mortgage payment difficulties here.

You can also learn about mortgage payment deferrals here.

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