To promote social distancing our office is now closed, and our staff are working remotely. 

To find out more about our programs, or to contact our staff please email info@nsilc.com

COVID-19 Supports for Entrepreneurs

Updated March 27, 2020

The Government of Saskatchewan’s Business Response Team

is available to assist you 8:00 a.m. – 8:00 p.m. Monday to Friday:

Email: supportforbusiness@gov.sk.ca

Phone: 1-844-800-8688

 

Municipal Support - City of Saskatoon

 

Property Taxes: 

Your 2020 Property Tax notice will be delivered by the end of May 2020.

  • The City is extending a three-month grace period to provide you with additional time to pay your 2020 Property Tax.

  • You will not incur any late payment penalties on your 2020 Property Tax if you pay the full amount due by September 30, 2020.

 

Utility Services:

The City will continue to bill for Utility Services as normal.  However, to best serve the City’s customers in these extraordinary times, the City has made the following changes to current utility collections activities:

  1. Utility disconnections due to arrears will be suspended until September 30, 2020;

  2. Late payment charges will be suspended on all utility accounts until September 30, 2020; and

  3. We will continue to generate utility bill reminders and other related notices for customers who are in arrears to keep them informed of their current situation.

 

 

Provincial Support - Government of Saskatchewan

 

Provincial Sales Tax:

 

Saskatchewan businesses who are unable to remit their Provincial Sales Tax (PST) due to cashflow concerns will have three-month relief from penalty and interest charges.

Businesses that are unable to file their provincial tax return(s) by the due date may submit a request for relief from penalty and interest charges on the return(s) affected.

Audit program and compliance activities have been suspended to allow businesses time to focus on the health and safety of their customers and staff, reduce impacts to their business operations, and minimize the spread of the virus through reduced audit travel.

For more information call the Saskatchewan tax inquiry line at 1-800-667-6102 or email us at SaskTaxInfo@gov.sk.ca

Submit a penalty and interest waiver request

 

COVID-19 Products and Supplies:

We have been contacted by many businesses, individuals and groups who have offered ideas and solutions. As such, the SaskBuilds Single Procurement Service will serve as a central point of contact and coordination. If you are a Saskatchewan business, innovator, or supplier and you think you have a solution that can help us fight COVID-19, you may direct your submission to procurement@gov.sk.ca

 

SASKATCHEWAN EMPLOYMENT SUPPLEMENT:

The Saskatchewan Employment Supplement (SES) provides assistance to families with lower-incomes who have children. It is a monthly payment that supplements income from a job, farming, self-employment, or from child or spousal support. To be eligible for SES you must:

  • Have children under the age of 13 years;

  • Receive more than $125 each month from employment, self-employment, farming and/or child or spousal support;

  • Reside in Saskatchewan and hold a valid Saskatchewan Health Services card.

 

SELF-ISOLATION SUPPORT PROGRAM (announced, application TBA):

The Self-Isolation Support Program will provide $450 per week, for a maximum of two weeks or $900. The program is targeted at Saskatchewan residents forced to self-isolate that are not covered by recent federally announced employment insurance programs and other supports. The program is designed to ensure that all Saskatchewan residents are covered by either a federal or provincial program to ensure no one is faced with choosing to work instead of protecting their family and community from COVID-19 by self-isolating. This will mostly benefit self-employed residents of Saskatchewan.

 

 

 Federal Support - Government of Canada

CANADA EMERGENCY RESPONSE BENEFIT (Proposed):

The recently announced Canada Emergency Response Benefit aims to support workers and help businesses keep their employees, the government has proposed legislation to establish the Canada Emergency Response Benefit (CERB). This taxable benefit would provide $2,000 a month for up to four months for workers who lose their income as a result of the COVID-19 pandemic. The CERB would be a simpler and more accessible combination of the previously announced Emergency Care Benefit and Emergency Support Benefit.

 

 

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 will equal 10% of remuneration paid during that period, up to a maximum subsidy of $1,375 per employee and $25,000 per employers.

 

WORK SHARING PROGRAM:

The Work Sharing Program is a three-way agreement that can be negotiated between Service Canada, the employer and the employee to provide EI benefits to workers who agree to reduce their normal working hour as a result of developments beyond the control of their employers. Changes to the program are:

  • Extension of the maximum duration from 38 weeks to 76 weeks.

  • The 30 day wait period will be waived for only those who have used the work-sharing program in the past.

Note: Applications take a minimum of 30 days to negotiate. If you do not have 30 days than this program is likely not for you.

 

EMERGENCY SUPPORT BENEFITS (Effective April 1, 2020):

 

Delivered through the CRA, the Emergency Support Benefits will provide up to $5.0 billion in support to workers who are not eligible for EI and who are facing unemployment.

 

EMERGENCY CARE BENEFIT (Effective April 1, 2020):

An Emergency Care Benefit of up to $900 bi-weekly for up to 15 weeks to provide income support to workers who must stay home and do not have access to paid sick leave. This measure could provide up to $10 billion to Canadians, and includes:

  • Workers, including the self-employed, who are sick, quarantined, or who have been directed to self-isolate but do not qualify for Employment Insurance (EI) sickness benefits.

  • Workers, including the self-employed, who are taking care of a family member who is sick with COVID-19, such as an elderly parent or other dependents who are sick, but do not qualify for EI sickness benefits.

  • EI-eligible and non EI-eligible working parents who must stay home without pay because of children who are sick or who need additional care because of school closures.

You can apply from one of the three channels below:

  • Access it on CRA MyAccount secure portal

  • Access it from secure My Service Canada Account

  • Call a toll-free number equipped with an automated application process. Please note that the phone number had not been announced yet.

Canadians will need to re-attest every two weeks to reconfirm their eligibility. More details will be announced by the government on how to attest.

 

BUSINESS CREDIT AVAILABILITY PROGRAM:

Export Development Canada and Business Development Bank of Canada

The Business Credit Availability Program will provide $10 billion of additional funding to Canadian businesses facing economic challenges brought on by COVID-19. This program helps Canadian businesses in all sectors and regions gain access to credit through EDC, BDC and private sector lenders. The short-term credit available to farmers and the agri-food sector will also be increased through Farm Credit Canada.

Note: Businesses must go to their current bank first, then that bank will refer the business to the BCAP only if the bank is not able to help them. Businesses that are already a BDC client, can contact their Account Manager for information on BCAP.

 

BUSINESS DEVELOPMENT BANK OF CANADA (BDC) RELIEF MEASURES:

Business Development Bank of Canada

Effective March 18, 2020, new BDC Relief Measures for qualified businesses include:

  • Working capital loans of up to $2 million with flexible terms and payment postponements for up to 6 months for qualifying businesses;

  • Postponement of payments for up to 6 months, free of charge, for existing BDC clients with total BDC loan commitment of $1 million or less;

  • Reduced rates on new eligible loans;

  • Additional details regarding Business Credit Availability Program (BCAP) measures, including industry specific support, to be announced in the coming days.

 

FACEBOOK SMALL BUSINESS GRANTS PROGRAM:

 

The Small Business Grants Program is offering $100 million in cash grants and advertising credits for up to 30,000 eligible small businesses in over 30 countries.

 

COVID-19 Support for Workers 

Municipal Support - City of Saskatoon

 

PROPERTY TAXES:

Your 2020 Property Tax notice will be delivered by the end of May 2020.

  • The City is extending a three-month grace period to provide you with additional time to pay your 2020 Property Tax.

  • You will not incur any late payment penalties on your 2020 Property Tax if you pay the full amount due by September 30, 2020.

 

UTILITY SERVICES:

The City will continue to bill for Utility Services as normal.  However, to best serve the City’s customers in these extraordinary times, the City has made the following changes to current utility collections activities:

  1. Utility disconnections due to arrears will be suspended until September 30, 2020;

  2. Late payment charges will be suspended on all utility accounts until September 30, 2020; and

  3. We will continue to generate utility bill reminders and other related notices for customers who are in arrears to keep them informed of their current situation.

Provincial Support - Government of Saskatchewan

 

PROVINCIAL UTILITIES:

All Crown utilities will implement bill-deferral programs allowing a zero-interest bill deferral for up to six months for Saskatchewan customers whose ability to make bill payments may be impacted by the COVID-19 restrictions.

SASKATCHEWAN EMPLOYMENT SUPPLEMENT:

The Saskatchewan Employment Supplement (SES) provides assistance to families with lower-incomes who have children. It is a monthly payment that supplements income from a job, farming, self-employment, or from child or spousal support. To be eligible for SES you must:

  • Have children under the age of 13 years;

  • Receive more than $125 each month from employment, self-employment, farming and/or child or spousal support;

  • Reside in Saskatchewan and hold a valid Saskatchewan Health Services card.

 

SELF-ISOLATION SUPPORT PROGRAM (application TBA):

The Self-Isolation Support Program will provide $450 per week, for a maximum of two weeks or $900. The program is targeted at Saskatchewan residents forced to self-isolate that are not covered by recent federally announced employment insurance programs and other supports. The program is designed to ensure that all Saskatchewan residents are covered by either a federal or provincial program to ensure no one is faced with choosing to work instead of protecting their family and community from COVID-19 by self-isolating. This will mostly benefit self-employed residents of Saskatchewan.

 

Federal Support - Government of Canada

CANADA EMERGENCY RESPONSE BENEFIT (Proposed):

The recently announced Canada Emergency Response Benefit aims to support workers and help businesses keep their employees, the government has proposed legislation to establish the Canada Emergency Response Benefit (CERB). This taxable benefit would provide $2,000 a month for up to four months for workers who lose their income as a result of the COVID-19 pandemic. The CERB would be a simpler and more accessible combination of the previously announced Emergency Care Benefit and Emergency Support Benefit.

 

INCREASING THE CHILD CARE BENEFIT (Proposed):

By $300 per child for the 2019-2020 benefit year.

INCREASED GST BENEFIT (Proposed):

For low- and modest-income families, the Government is proposing to provide a one-time special payment by early May 2020. This will double the maximum annual GSTC payment amounts for the 2019-20 benefit year. The average boost to income for those benefiting from this measure will be close to $400 for single individuals and close to $600 for couples. 

EXTRA TIME TO FILE INCOME TAX: 

Filing due date deferred to June 1, 2020 with any payment amounts due August 31, 2020. Electronic signatures will be accepted. 

 

 

 

IMPROVED ACCESS TO EMPLOYMENT INSURANCE (EI): FOR SICKNESS OR UNABLE TO WORK

For Canadians without paid sick leave who are sick, quarantined or forced to stay home to care for children, the Government is waiving the one-week waiting period for those individuals in imposed quarantine that claim Employment Insurance (EI) sickness benefits. If you do not qualify for sickness benefits, see unable to work Emergency Care Benefit. This temporary measure will be in effect as of March 15, 2020.

 

 

MORTGAGE SUPPORT:  

Banks in Canada have also affirmed their commitment to working with customers to provide flexible solutions, on a case-by-case basis, for managing through hardships caused by recent developments. This may include situations such as pay disruption, childcare disruption, or illness. Canada’s large banks have confirmed that this support will include up to a 6-month payment deferral for mortgages, and the opportunity for relief on other credit products. Contact your mortgage institution directly to discuss Covid-19 related adjustments. 

 

WORK SHARING PROGRAM:

The Work Sharing Program is a three-way agreement that can be negotiated between Service Canada, the employer and the employee to provide EI benefits to workers who agree to reduce their normal working hour as a result of developments beyond the control of their employers. Changes to the program are:

  • Extension of the maximum duration from 38 weeks to 76 weeks.

  • The 30 day wait period will be waived for only those who have used the work-sharing program in the past.

Note: Applications take a minimum of 30 days to negotiate. If you do not have 30 days than this program is likely not for you.

 

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 will equal to 10% of remuneration paid during that period, up to a maximum subsidy of $1,375 per employee and $25,000 per employers.

 

 

EMERGENCY SUPPORT BENEFITS (Effective April 1, 2020):

 

For Canadians who lose their jobs or face reduced hours as a result of COVID’s impact, the Government is introducing an Emergency Support Benefit delivered through the CRA to provide up to $5 billion in support to workers who are not eligible for EI and who are facing unemployment.

 

EMERGENCY CARE BENEFIT (Effective April 1, 2020):

An Emergency Care Benefit of up to $900 bi-weekly for up to 15 weeks to provide income support to workers who must stay home and do not have access to paid sick leave. This measure could provide up to $10 billion to Canadians, and includes:

  • Workers, including the self-employed, who are sick, quarantined, or who have been directed to self-isolate but do not qualify for Employment Insurance (EI) sickness benefits.

  • Workers, including the self-employed, who are taking care of a family member who is sick with COVID-19, such as an elderly parent or other dependents who are sick, but do not qualify for EI sickness benefits.

  • EI-eligible and non EI-eligible working parents who must stay home without pay because of children who are sick or who need additional care because of school closures.

You can apply from one of the three channels below:

  • Access it on CRA MyAccount secure portal

  • Access it from secure My Service Canada Account

  • Call a toll-free number equipped with an automated application process. Please note that the phone number has not been announced yet.

Canadians will need to re-attest every two weeks to reconfirm their eligibility. More details will be announced by the government on how to attest.

 

EASED THE RULES FOR REGISTERED RETIREMENT INCOME FUNDS:

The Government of Canada is reducing required minimum withdrawals from Registered Retirement Income Funds (RRIFs) by 25% for 2020, in recognition of volatile market conditions and their impact on many seniors’ retirement savings. This will provide flexibility to seniors that are concerned that they may be required to liquidate their RRIF assets to meet minimum withdrawal requirements. Similar rules would apply to individuals receiving variable benefit payments under a defined contribution Registered Pension Plan.

 

A MORATORIUM ON THE REPAYMENT OF CANADA STUDENT LOANS:

The Government of Canada is placing a six-month interest-free moratorium on the repayment of Canada Student Loans for all individuals currently in the process of repaying these loans.

Call Us: (306) 665-5508   /  info@nsilc.com   /  237 5th Ave N Saskatoon, SK S7K 2P2

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