COVID-19: Guide to Federal and Provincial Relief Programs

Current as of September 19, 2020.

19 September 2020

Download PDF summary of federal and provincial relief programs

Across Canada, government responses to COVID-19 have resulted in the rapid creation of a significant number of relief programs for businesses and individuals. These programs span federal, provincial, and municipal governments, and many are being offered in partnership with financial institutions.

However, relief program availability continues to change rapidly, and also varies based on location and circumstances. This makes it difficult for businesses and individuals to know what resources are available at any given time.

To assist with this matter, Gowling WLG has prepared the attached resource to aggregate government relief programs across the country. The guide, which is updated regularly, also provides key insights about access and eligibility.

Key updates for the weeks of September 13 - 19:

  • The governments' focus continues to be on reopening and addressing community outbreaks. The Federal government will make a Speech from the Throne next week (September 23).

  • Wednesday, September 16: Following three days of federal cabinet meetings, the Prime Minister shared the details of the investments that will be made through the $19 billion Safe Restart Agreements with the provinces and territories. Provinces and territories submitted letters setting out how the funds would be best allocated and federal funding will be transferred shortly.

  • Thursday, September 17: Ontario introduced the Helping Tenants and Small Businesses Act, which would, if passed, freeze rent in 2021 for most residential units (both rent-controlled and not).

Topics covered within the guide include:

  • Canada Emergency Response Benefit (CERB)
  • Canada Emergency Business Account (CEBA)
  • Business Credit Availability Program (BCAP)
  • GST and HST
  • Canadian businesses of all sizes
  • Business owners
  • Canada Revenue Agency
  • Employment Insurance
  • Government of Canada
  • Income taxes
  • Operating costs
  • Property ownership
  • COVID-19 pandemic updates

If you have questions about government relief programs that might be available based on your location and circumstances, reach out to any one of the authors. We will continue to update this resource as new relief programs are released. 

NOT LEGAL ADVICE. Information made available on this website in any form is for information purposes only. It is not, and should not be taken as, legal advice. You should not rely on, or take or fail to take any action based upon this information. Never disregard professional legal advice or delay in seeking legal advice because of something you have read on this website. Gowling WLG professionals will be pleased to discuss resolutions to specific legal concerns you may have.