Regular Employment Insurance Sickness Benefits:
If you are sick or quarantined, or forced to stay home to care for children AND are traditionally eligible for employment insurance, this program is for you.
It provides up to 15 weeks of income support up to 55% of your earnings up to a maximum of $573/week.

Apply Here:

-No Doctor’s note/medical certificate will be required
-You will need an ROE from your employer – obtain this ASAP.
-One week waiting period can be waived AFTER your applications submitted.

You MUST CALL 1-833-381-2725 to have your waiting period waived.




For ANY Canadian who is not traditionally eligible for employment insurance AND are:

• Quarantined or Sick with COVID-19
• Taking care of a family member who is sick with COVID-19
• Parents with children who require care or supervision due to school/daycare closures.

This program provides 15 weeks of income support of $900 bi-weekly.
Applications will open April 2020 from your:

My CRA Account for Individuals
My Service Canada Account
Toll Free Phone Number: (Not yet available)


Increases to CCB Payments:

For individuals/families that receive CCB payments:
A ONE TIME additional $300/child payment will occur for ALL CCB recipients on your May payment. For 2020 Payments: An additional $300/child will be spread out over the 12 annual payments (extra $25/month/child)


Increases to GST Tax Credit:

For individuals that receive quarterly GST Tax Credit Payments:
A ONE TIME special payment equal to DOUBLE your ANNUAL GST Tax Credit Payments to be made in early May, 2020.


Interest Free Suspension of Student Loan Payments:

For individuals that are currently repaying student loans, a 6 month interest free suspension of payments will occur. Start date TBD.


Retired Individuals:

A 25% reduction in the required minimum withdrawals from RRIFs for 2020 will be implemented to assist with maintaining portfolio values during periods of market volatility.

Extension on Tax Filing Deadlines and Income Tax Due Dates:

Individual returns are now due June 1, 2020. Personal Income tax payments can be deferred until September 2020.





If you need immediate payment relief in the next 7 days, contact your bank NOW.

1) Understand your situation BEFORE you call. If you do not require immediate relief (help with a payment within 7 days), PLEASE DO NOT CALL YOUR BANK OR LENDER right now.
Call centres are working under extremely difficult conditions – entire offices are being transitioned to work-from-home in the midst of a tidal wave of inquiries.

2) If you can foresee a future need for relief, take the time to understand when and what kind of relief you will need.
It may be possible to re-structure your mortgage to achieve a more desirable outcome than what current relief programs are offering.
Consider planning for your future needs NOW, before potential job loss occurs. Your mortgage broker can help with this.

3) If/when you have exhausted all relief options with your bank, there may be other avenues for relief – including relief from Mortgage Insurers.
Start this conversation with your mortgage broker. If they are unwilling to help, email me (


Banks and Lenders are rushing to implement programs to help and are working diligently to help everyone who is calling. Be honest with your service representative and find a reasonable solution that gives you some breathing room.
Understand that you may not automatically qualify for 6 months of payment relief – there are a range of other creative solutions that may help your specific situation.
Understand that we must ALL DO OUR PART to minimize the pressure on the banking system.

Please do your part to minimize systemic strain on our economic and banking system.

Only ask for what you really need.

Lender/Bank Contact Information:Here is a list of Banks/Lenders and their contact information. Special COVID-19 Bank Notices have been linked from the lender's name.
ATB |  1-800-332-8383
B2B | 1 800 263 8349
BMO |  1-877-788-1923
Bridgewater | 1-866-243-4301
CIBC | 1-800-454-9030
CMLS Financial | 1-888-995-2657
Coast Capital Savings | 1-888-517-7000
Equitable Bank |  1-888-334-3313
Connect First |  403-736-4000
First National |  1-888-488-0794 |
Haventree | 1-855-272-0051
Home Trust | 1-855-270-3630
Island Savings Credit Union | 1-888-597-1083
HSBC | 1-888-310-4722
ICICI Bank | 1-888-424-2422
Manulife |  1-877-765-2265
MCAP | 1-800-265-2624
Merix & Lendwise | 1-877-637-4911
RBC | 1-866-809-5800 | Make a Phone Appointment Online
RFA & Street Capital Mortgages | 1-877-416-7873
RMG Mortgages | 1-866-809-5800 |
ScotiaBank |  1-800-472-6842
Servus |  1-877-378-8728
TD Canada Trust: | 1-888-720-0075 | Calling from within your mobile app will greatly reduce wait times.
 Van City Credit Union | 1-888-826-2489