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COVID-19 FAQ: Financial Support

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Helping you get the support you need

The pandemic has wreaked havoc on small businesses, leaving many of you to look for financial support. Here, you’ll find more information about government aid programs, so you can get the help you need.

Most recent update: The Canada Summer Jobs applications are open for 2021. This program provides employers with a 75% employee wage subsidy reimbursement of up to 75% of the provincial or territorial minimum hourly wage. The deadline is fast approaching: January 29th, 2021. Don’t' leave money on the table. Find out more about the Canada Summer Jobs program.

Important Financial Support Programs

Frequently Asked Questions

I can’t access the CRA My account portal. What should I do?

If you wish to talk to an agent about the issues with your My Account portal, you can call 1-800-959-8281.

Please note that all CRA numbers are currently experiencing higher than normal call volumes, and therefore wait times to speak with an agent are longer.

I can’t access the CRA My Business account portal. What should I do?

If you need help with My Business Account, you can call 1-800-959-5525.

Please note that all CRA numbers are currently experiencing higher than normal call volumes, and therefore wait times to speak with an agent are longer.

What does “arm’s length” relationship mean?

Arm's-length: Generally, an arm's length employee is any employee who does not own the business (or in the case of a corporation, has a controlling interest in the corporation) and is not a member of the owner’s immediate family.

What does “non-arm’s length” relationship mean?

Non-arm's length (not at arm's length): A non-arm's length employee is someone who owns the business (or in the case of a corporation, has a controlling interest in the corporation) or is part of the owner’s immediate family.

Immediate family can be related by:

  • Blood;
    • grandparents,
    • parents,
    • brothers,
    • sisters,
    • children,
    • grandchildren.
  • Marriage;
    • grandparents of spouse,
    • parents of a spouse,
    • brothers and sister of a spouse,
    • children of a spouse,
    • spouse of a brother or sister,
    • spouse of a child,
    • spouse of a grandchild.
  • Common-law partnership;
    • treated the same way as legally married spouses.
  • Adoption;
    • adopted children are treated in the same way as blood-related children.
What is considered employment income?

As per the CRA, Employment income is the number that you would find in box 14 of an individual’s T4 Slip. This includes:

  • Salary, wages (including pay in lieu of termination notice), tips or gratuities, bonuses, vacation pay, employment commissions, gross and insurable earnings of self-employed fishers, and all other remuneration (see Box 14 – Employment income for a detailed list) you paid to employees during the year
  • Various taxable benefits or allowances
  • Retiring allowances
  • Deductions you withheld during the year
  • Pension adjustment (PA) amounts for employees who accrued a benefit for the year under your registered pension plan (RPP) or deferred profit sharing plan (DPSP)
Where can I find payroll help?

For a limited time, the Canadian Payroll Association is allowing non-members to ask their Payroll InfoLine COVID-19 related payroll questions.

Ask your question here.

More Resources

What is CFIB advocating for?

What we have achieved

Thanks to our members’ feedback, we have successfully pushed for the government’s aid to be expanded and extended, especially CEWS, CERS and CEBA. Find out more about our many victories for small business.

What we’re pushing for

The federal financial supports have improved, but there are still many gaps in the relief they provide. Here’s what we’re still pushing government to do to provide more and better support.

How you can help

We’ve pushed the government to make some progress, but we're still fighting for better relief measures. Add your voice today.

SIGN THE PETITION

Don’t see the information you need? Talk to an expert – it's free

CFIB members get one-on-one advice from our business counsellors, exclusive access to helpful webinars and weekly email updates and a voice in the support measures we push for from government.

CFIB members: Get in touch today.

Not a CFIB member? We want to make sure we can support you during this crisis. With a free temporary CFIB membership, you can access the same benefits and supports as a CFIB member.

GET YOUR FREE TEMPORARY MEMBERSHIP
Visit our COVID-19 Help Centre

Our primary concern at CFIB is making sure you have the support you need to get through this uncertain and challenging time. We provide you with expert advice and ensure that you have all of the latest information on government announcements and available support.

Visit our Help Centre