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Thread: COVID-19: Canada Emergency Response Benefit

  1. #41
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    I slowly accepting WFH and Oculus has been my way to escape on the weekend. I will go for a 15 min drive around the hood if I can take it any more.


    While I believe isolation order won't end until July, the circle around me seems to think a even bigger layoff wave will come before we get back to our offices.

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    Quote Originally Posted by Kloubek View Post
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    Highly recommended for normal people.
    And ferrets.
    Quote Originally Posted by 89coupe View Post
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    Beyond, bunch of creme puffs on this board.
    Everything I say is satire.

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    Reddit is chirping as usual.
    3TYIoiu.jpg

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    Quote Originally Posted by 89coupe View Post
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    Beyond, bunch of creme puffs on this board.
    Everything I say is satire.

  5. #45
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    Quote Originally Posted by The_Rural_Juror View Post
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    Can't really see it too blurry. But wow so passive aggressive whoever.
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  6. #46
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    Quote Originally Posted by phreezee View Post
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    Reddit is chirping as usual.
    3TYIoiu.jpg
    What those doorknobs out East (and on Reddit) consistently fail to realize is we don't want handouts.
    Just stay out of our way, let us work, and you continue collecting your equalization pay, import Saudi oil and continue pound your virtue signalling drums.

  7. #47
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    so we have asked our nanny to not come to work until things settle down (her husband is working a lot so we're worried about isolation). We may want to bring her back in 15-16 weeks, not sure. Should she apply for the Sickness Benefit?

  8. #48
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    Quote Originally Posted by JfuckinC View Post
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    But the problem with the wage subsidy is you need to be working for there to be a wage to cover. 95% of our work got pushed out to Q4 or 2021 all together for the time being.



    Then i thought maybe because I'm incorporated, i could do the $40k loan, use it for payroll and have the wage subsidy cover 75%, only use as much as i could pay back at a later date hoping there's some work and have the 25% of that forgiven?


    i find it all fairly confusing haha.


    Edit: and im not trying to rip the system off by any means, just trying to understand how to best direct my guys (and myself) to get what they need to survive until we hopefully pick back up. I have been talking with my accountant and we have some ideas on what we should be doing. just thought i'd see if anyone here had figured it out.

    --

    Yah, if you pay it off by Jan 2021 i think it is, so this is where it gets confusing haha... Why not borrow that, only use the $10k cover 25% of some payroll (the gov would pay 75% of payroll, as per their subsidy) and then pay it back so you get the $10k for free...? But they also say, that the company must make an effort to pay the 25% of wages, and if they cant it will be forgiven. Stipulations are $50k to $1mil in revenue and they will pay $847 weekly, up to $57k or something.. only until June 6th

    It's fucking confusing to me... haha, but i think it's to help direct people away from CERB and EI


    https://www.canada.ca/en/department-...e-subsidy.html
    https://www.canada.ca/en/department-..._Loan_Programs

    I'd be curious what you planned with your accountant. From what I've read, the interest free loans only apply to corps with 50k+ in payroll, which contractors don't fall under. And those contractors might not qualify for the CERB if they too have their own corporations and dont pay themselves a salary from it. It's all a mess.
    I can eat more hot wings than you.

  9. #49
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    Quote Originally Posted by Buster View Post
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    so we have asked our nanny to not come to work until things settle down (her husband is working a lot so we're worried about isolation). We may want to bring her back in 15-16 weeks, not sure. Should she apply for the Sickness Benefit?
    CERB applies

  10. #50
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    Quote Originally Posted by CompletelyNumb View Post
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    I'd be curious what you planned with your accountant. From what I've read, the interest free loans only apply to corps with 50k+ in payroll, which contractors don't fall under. And those contractors might not qualify for the CERB if they too have their own corporations and dont pay themselves a salary from it. It's all a mess.
    Well, like you said it's a mess, we're still working on it.

    He doesn't think the loan is a good idea, he said i would be able to get it, but not to bank on having the $10k forgiven. So we're trying to better understand the subsidy, i actually put myself on payroll this year because the benefits of being a contractor for what i do are pretty few and far between these days. But you're supposed to compare it to 2019 payroll.. so we're trying to figure out if we can just compare it to the previous months? its confusing. haha

    As far as i know contractors can get the CERB, because of what is bold below... but i could be reading it wrong... haha

    Who is eligible
    The benefit will be available to workers:

    Residing in Canada, who are at least 15 years old;
    Who have stopped working because of COVID-19 and have not voluntarily quit their job or are eligible for EI regular or sickness benefits;
    Who had income of at least $5,000 in 2019 or in the 12 months prior to the date of their application; and
    Who are or expect to be without employment or self-employment income for at least 14 consecutive days in the initial four-week period. For subsequent benefit periods, they expect to have no employment or self-employment income.

  11. #51
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    Im a self employed/incorporated oil field worker who paid myself a payroll +58K last year. I'm thinking CEWS is the way to go vs CERB as my income has dropped to 0. I believe I would qualify for the CEWS of 874/week x12 = 10500 vs the $8000 of the CERB but when I checked today not all the details are out on the CEWS... Do I have this right? Thoughts?
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  12. #52
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    Quote Originally Posted by thinmyster View Post
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    Im a self employed/incorporated oil field worker who paid myself a payroll +58K last year. I'm thinking CEWS is the way to go vs CERB as my income has dropped to 0. I believe I would qualify for the CEWS of 874/week x12 = 10500 vs the $8000 of the CERB but when I checked today not all the details are out on the CEWS... Do I have this right? Thoughts?

    I think you're right. If you have money in your business and can cover the 25% ($282) each week, i believe that is expected of you. If you cannot then according to the website it's forgivable.

    Now how it works when it comes time to get paid i still have no idea about. Does the gov deposit the $847 somewhere for you? Do you get paid out at the end? Still confused there haha.

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    So anyone successfully apply today? Was it a giant mess?
    Originally posted by Thales of Miletus

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    fact.

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    Quote Originally Posted by killramos View Post
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    So anyone successfully apply today? Was it a giant mess?
    Saw some people complaining on Facebook... i don't know why their expectations would even be remotely reasonable. But some people commented they got through and done in 5-10 min.

  15. #55
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    Watched a news report the other day that said they have put systems in place for CERB that will be able to process 1 million applications/day.....wishful thinking?
    Originally posted by GTS Jeff
    You know those bored stay at home moms who's entire lives revolve around driving their kids to soccer, various cleaning accessories, and worrying about neighbourhood rapists? The kind of people that watch the View and go "uh huh..." Those unfulfilled people who try to fill the void in their empty lives by writing whiny letters to the editor complaining about shit that no one really cares about?

    Well imagine if instead of writing that letter to the editor, she just posts on a car forum for car enthusiasts. That's Kritafo.

  16. #56
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    Hopefully with their restricted logins it is feasible. Will be crazy when all this is said and done how much it cost and how many people were laid off.

    Ottawa might be begging Alberta to fire back up just to pay for some of this.
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    That's not how government budgets work. Because of this crisis they have all the justification they need to pay for everything with debt.
    Quote Originally Posted by killramos View Post
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    If there is one thing I know for sure. ES has no Aspen goals

  18. #58
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    Quote Originally Posted by msommers View Post
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    Hopefully with their restricted logins it is feasible. Will be crazy when all this is said and done how much it cost and how many people were laid off.

    Ottawa might be begging Alberta to fire back up just to pay for some of this.
    The bigger and sadder part is all these people were laid off from a job and may not even have one to go back too

  19. #59
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    Quote Originally Posted by ExtraSlow View Post
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    That's not how government budgets work. Because of this crisis they have all the justification they need to pay for everything with debt.
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    Quote Originally Posted by JfuckinC View Post
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    Saw some people complaining on Facebook... i don't know why their expectations would even be remotely reasonable. But some people commented they got through and done in 5-10 min.
    Did my wife's CERB application (sole proprietor subcontractor whose work dried up because of Covid-19), actually spent more time getting together all the numbers/documentation I needed than I actually did on the CRA web site itself. Easy peasy.

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