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Breaking Down the Emergency Support for COVID-19: Non-Profits & Charities

Managing a non-profit or charitable organization is very overwhelming right now. These services are needed more than ever but fundraising is difficult to access with physical distancing and the economic downturn.  Let’s break down the different federal and provincial emergency supports available to help you navigate these unsettling times. 


Non-profit and charity organizations are among those who have been most severely affected by the COVID-19 crisis. Necessary physical and social distancing measures to contain the infection and protect communities has created significant job loss for Canadians. This means these organizations are depended on more than ever to deliver basic human needs to vulnerable populations who depend on them, especially in a public health crisis and economic downturn. Non-profit and charitable organizations have lost major event fundraising streams, putting a strain on budget while the need for their support continues to rise. 

We’ve done our best to compile and simplify the financial support and professional resources for non-profit and charitable organizations. We’ve also included resources for professional fundraisers to help ease their financial burdens and continue helping our vulnerable neighbors and communities. 

Relief for Non-Profit and Charity Organizations 

Temporary Wage Subsidy for Not-for-Profit Organizations, Charities, and Small Businesses

Government of Canada
The federal government’s temporary wage subsidy is providing not-for-profit organizations and charities a 75% wage subsidy for up to 90 days if their revenues are down by at least 30% from COVID-19. This subsidy will be on the first $58,700 earned, meaning up a maximum of $847 per employee per week, retroactive to March 15, 2020. Employers benefiting from this measure would include corporations eligible for the small business deduction, not-for-profit organizations and charities. This replaces the 10% wage subsidy that was announced early in the COVID-19 Economic Response Plan. 

More Time to Pay Income Taxes

Canada Revenue Agency (CRA) has extended the income tax filing and payments for charities to December 31, 2020, for all charities with a Form T3010, Registered Charity Information Return due between March 18, 2020 and December 31, 2020. This relief applies to tax balances due, as well as installments, under Part I of the Income Tax Act. No interest or penalties will accumulate on these amounts during this period. 

Bill-Deferral Program on Provincial Utilities

Saskatchewan Crown Corporations that operate utilities in the province will offer a zero-interest deferral on all utility payments for a period of 6 months. 

SaskTel – waiving data overage charges, offering news and family channels for free 

SaskPower – stopped active collections and won’t be limiting power supply to customers 

SaskEnergy – deferring payments and not limiting natural gas supply 

ISC Suspension Order for Strike Off Provisions

The Information Services Corporation (ISC) has suspended the strike off provisions for non-profit corporations, co-operatives, and new generation co-operative entities. The suspension is meant to assist organizations that are not in a position to file annual returns and financial statements at the Corporate Registry due to delays in annual meetings caused by the restrictions and recommendations on public gatherings. To further lessen the impact of being unable to file in a timely manner, annual return late filing fees for not-for-profit corporations and co-operatives will be suspended. 

Relief for Human Services  

Emergency Shelters

Government of Canada
The Reaching Home program will provide $157.5 million to continue supporting those who are homeless. The funds can be used for needs such as purchasing beds and physical barriers to improve social distancing in shelters. It’s also available to secure accommodations during the outbreak to reduce overcrowding in shelters.  

Government of Saskatchewan
The Government of Saskatchewan is providing one-time additional funding of $171,000 targeted to meet the extra cost pressure emergency shelters are experiencing as they continue to serve those in need during the COVID-19 pandemic.  These organizations currently provide more than 300 beds for individuals who need emergency shelter and supports. Organizations receiving the increase are: Lloydminster Men’s Shelter; YWCA Regina – My Aunt’s Place; YWCA Prince Albert; YWCA Saskatoon; Lighthouse Saskatoon; Lighthouse North Battleford; Salvation Army Saskatoon; Salvation Army Regina; Soul’s Harbour Regina and Soul’s Harbour Moose Jaw.   

Modified Emergency Shelter Response

Government of Saskatchewan
When emergency shelters are unable to meet the needs of an individual or family because of capacity pressures, Social Services will support those in need with funds for emergency hotel stays and will work to transition clients to permanent housing. 

If an individual is required by Public Health to self-isolate due to COVID-19 symptoms or exposure, that person will be transitioned to a safe accommodation such as a hotel or an individual housing unit. 

There are approximately 1,700 vacant Saskatchewan Housing Corporation units located in 29 larger communities that will be leveraged to ensure those impacted by COVID-19 are able to access housing or an individualized space to self isolate.  An additional 1,200 units are available in smaller communities across Saskatchewan. 

Support for Children, Youth & Families

Government of Saskatchewan
Transitions to independence for young people will be delayed, so that any youth that “ages out of care” during the COVID-19 pandemic will not be transitioned out of their current housing.   

Child Care Subsidy

Government of Saskatchewan
To help families receiving the Child Care Subsidy (CCS), any families who were receiving part-time benefits because their children were attending school will receive full-time benefits, retroactive to March 1, 2020.  The CCS helps parents with low to moderate incomes with the costs of licensed child care. 

Income Assistance (IA)

Government of Saskatchewan
All Income Assistance clients will continue to receive their benefits even if a client is late reporting, effective March 19, 2020.

Social Services Physical Distancing and Eased Reporting Measures

Government of Saskatchewan
Social Services offices remain open with the first hour of the day reserved for more vulnerable individuals, including those with a disability or health issues such as a compromised immune system. Clients are asked not to visit the offices unless it’s an emergency and they’re unable to call their social worker or they are asked to visit an office. 

Saskatchewan residents who may need income support can apply here or call the Client Service Centre at 1-866-221-5200.  More staff have been shifted to the Call Centre to help serve those in need.

Domestic & Family Violence

Government of Canada
$50 million will be given to women’s shelters and sexual assault centers to help ease capacity and prevent outbreaks among women and children fleeing interpersonal and domestic violence. This funding will also support facilities in Indigenous communities.  

Youth Mental Health Care

Government of Canada
Kids Help Phone is experiencing increased demand for its 24/7 confidential online, telephone, and text counselling services across Canadaas a result of school closures and reduced access to community resources. The Government of Canada is giving $7.5 million in funding to Kids Help Phone to provide young people with the mental health confidential support. 

Caring for Vulnerable Seniors

Government of Canada
Canadian seniors are among the most impacted by COVID-19, and often rely on caregiving support from people who live outside of their homes. The Government of Canada will contribute $9 million through United Way Canada for local organizations to support practical services to Canadian seniors. These services could include the delivery of groceries, medications, or other needed items, or personal outreach to assess individuals’ needs and connect them to community supports. If you are planning to donate to these charities, be careful as there are a lot of scams pretending to be these reputable organizations. Visit this MONEYTALK blog that goes through these COVID-19 scams and how to ensure you are contributing to a valid organization.

Resources for Fundraising Professionals 

LINK: COVID-19 resource guide for fundraising professionals

The Association of Fundraising Professionals has gathered educations and resources to help non-profit and charitable organizations navigate fundraising, donor communicationsand what it means to engage with donors during a time in which social distancing and staying home is more important than ever. 

Conexus Member Support for Non-Profit Organizations and Charities

Conexus can help assess your situation and determine the best options to provide some relief including working with you to activate a skip-payment plan, to defer monthly payments, or to create an interest only payment plan to help your business navigate the economic downturn. 

 This relief is available to members, non-profit and charity organizations, small business members, commercial members, and agricultural members in good standing who are feeling a financial impact and are looking for a temporary relief from mortgage, line of credit and loan payments.  Please avoid coming into a branch and call your financial advisor or our Member Contact Centre at 1-800-667-7477.  

Conexus Business Accelerator

In partnership with Meyers Norris Penny, Conexus Credit Union offers free business webinar courses for non-profit and charitable organizations and business owners in Saskatchewan. Protecting Your Business and Employees, Managing Cash Flow and Stress Management are just a few of the courses that are relevant to this time. 

 Do you work or volunteer in the non-profit and charity sector and are looking to view the complete action plans from both governments? Visit the following:

FEDERAL   |   PROVINCIAL

UPDATED: What Emergency Funding is Available for Businesses & Ag Producers

The COVID-19 pandemic is making a significant impact on the Canadian economy, especially with small and medium sized businesses. The federal and provincial governments have announced different support efforts to relieve businesses and agricultural producers during these anxious times. Let’s help you break down these different measures so that you can brave this storm and best protect your business’ financial well-being.

UPDATED: March 30, 2020


Due to the nature of COVID-19, how it spreads, and how self isolation is the best way to fight against it, businesses across Canada are facing difficult decisions. Over the last week, many provinces and municipalities have announced measures to stop the spread of the virus that resulted in business closures and massive layoffs. The Government of Canada has also announced multiple initiatives to support businesses to provide economic stability during this time. Agricultural producers are also feeling the weight of the pandemic as they approach the beginning of spring seeding and how to get their goods from a difficult 2019 growing year to market. Most of the information below and how to apply for benefits from the Government of Canada can be found here.

Supports for Businesses

Temporary Wage Subsidy

Canadian businesses, including non-profit organizations and charities, whose revenue has decreased by at least 30% due to COVID-19 and facing employee layoffs can access a temporary wage subsidy for 3 months. Business owners can receive 75% of wages per employee to a maximum of $58,700 during the 3-month period, to a maximum of $847/week per employee. These payments will be back dated to March 15, 2020. Businesses can begin accessing this support by reducing your remittances of income tax that they withhold on employee pay.

To create some balance between employers and employees, the Government of Saskatchewan will allow businesses to not have to provide notice or pay in lieu in the event of a public emergency when the layoff is 12 weeks or less during a 16-week period. Additionally, if an employee is laid off for more than 12 weeks in a 16-week period, they will be considered terminated and entitled to access federal employment insurance programs.

Businesses also qualify for payment deferrals on loans, skip-a-payment, and interest only payment plans. You are encouraged to reach out to your financial institution to determine what supports are available to you and what makes the most sense with your financial situation.

Business Tax Filing

Like the measures taken for filing personal income taxes, businesses will be able to defer the payment of income tax until September 1, 2020. No interest or penalties will accumulate on these amounts owing. The Canada Revenue Agency will also pause most of its audit interactions for businesses for the next 4 weeks. For businesses requiring assistance understanding your tax obligations, help will be administered over the phone or through webinar.

Businesses and self-employed individuals can defer payments of the Goods and Services (GST)/ Harmonized Sales Tax (HST) until June 30, 2020. Businesses will also be able to defer customs duties owing on imports until June 30, 2020. Details about remittance schedules and how they qualify can be found here.

The Saskatchewan Government is also providing relief for you if you own a business and are unable to submit your Provincial Sales Tax (PST) remittance over the next three-months. You can submit a request for relief from penalty and interest charges here. Like the federal government, they are also pausing audit and compliance programs for businesses.

Credit Services

Canada Emergency Business Account (CEBA)

On March 27, the federal government announced the Canada Emergency Business Account. This emergency loan program will allow businesses to access interest-free loans of up to $40,000 to cover operating costs while revenue is down due to COVID-19. If the loan is paid in full by December 2022, 25% of the loan will be forgiven, to a maximum of $10,000. Contact your business advisor or financial institution to learn more about the CEBA and what it means for your business. Please keep in mind that your financial institution will have received this news at the same time it was announced and it will likely take a few weeks for them to put their measures in place to support you.

To ensure Canada’s businesses have access to credit services during this time, the Government of Canada is relaxing its parameters for certain funding:

  • The Canada Account ensures Canadian Exporters have access to loans, guarantees, and insurance policies during this time.
  • The Business Credit Availability Program (BCAP) is allowing the Business Development Bank of Canada (BDC) and Export Development Canada to support small and medium businesses with an additional $10 billion. In addition, BCAP and BDC will work with private sector lenders to ensure credit solutions are offered for individual businesses, specifically businesses that operate in the oil and gas, air transportation, and tourism sectors.
  • Canada’s individual banks will be able to access $300 billion for the economy by lowering the Domestic Stability Buffer of risk-weighted assets by 1.25%. This is in addition to the Bank of Canada reducing its interest rate to 0.75% to support the economy. Further reductions to the interest rate are expected, but not known at this time.

More details on market support measures taken by the Government of Canada can be found here.

Supports for Agricultural Producers

Farmers and the agri-food sector will be supported by Farm Credit Canada and an additional $5 billion dollars provided by the Government of Canada. You are encouraged to contact Farm Credit Canada to discuss the supports available to you.

Eligible farmers who have an outstanding Advanced Payments Program (APP) loan that comes due on or before April 30 will receive an automatic stay of default, giving farmers an additional 6 months to repay the loan. Those farmers with outstanding interest free loans, under the $1 million cap, can also apply for an additional $100,000 interest free portion for the 2020-21 year.

Producers may also qualify for payment deferrals on loans, skip-a-payment, and interest only payment plans. You are encouraged to reach out to your financial institution to determine what supports are available to you and what makes the most sense with your financial situation.

Breaking Down the Emergency Funds for COVID-19: Individuals & Families

The COVID-19 crisis has produced a lot of federal and provincial government action in order to support Canadians through these unsettling times. However, unless you are already familiar with these supports, a lot of the terms and relief options can sound intimidating and may go unused if you do not understand them. Let’s break down the different emergency fund options for individuals and families, the qualifications for each and how you can utilize them to protect your financial well-being.


Over the last week, there have been countless announcements about financial support for both families and businesses across Canada. The increase in information can be a lot to take in when you are worrying about your job, family, and finances. Most of the information below and how to apply for benefits from the Government of Canada can be found here. I’ve done my best to compile and simplify the essential information so you can understand how local governments in our province and the provincial and federal governments are stepping up to help Canadians.

GST Credit

If you are a low-income single adult or family, you will receive a special top-up payment under the Goods and Services Tax (GST). This will double the maximum annual GST credit you will receive for the 2019-2020 benefit year. Payments will increase by almost $400 for single low-income adults, and almost $600 for couples. The one-time payment will arrive in early May 2020.

Canada Child Benefit

If you are entitled to the Canada Child Benefit, you will see payments increase for the 2019-20 year by $300 per child. On average, this will mean an additional $550 increase for families. This will be issued on the May 20, 2020 CCB payment.

Student Loans

Canada Student Loans payments will be deferred for a period of 6 months. Payments will be paused, and no interest will accrue on the amount owing. If you also have student loans with the Government of Saskatchewan, a 6-month loan payment deferral has also been implemented, mirroring the federal relief. Student loans from your financial institution may also qualify for a skip-a-payment plan, but you should contact your financial institution to find out the options available to you and what makes the most sense with your financial situation.

RRIF and RPP Withdrawals

Withdrawals from Registered Retirement Income Funds (RRIFs) are being reduced by 25% for the 2020 year. This also applies if you are receiving benefit payments from a defined Registered Pension Plan (RPP). You can view the minimum withdrawal percentage as of 2018 here.

Mortgages

The Canadian Government is providing $50 billion for the Ensured Mortgage Protection Program to support Canadians who are affected by COVID-19. The Canada Mortgage and Housing Corporation (CMHC) and other mortgage insurers are offering payment deferrals and special payment arrangements effective immediately on all CMHC insured mortgages.

In addition, many financial institutions in Canada are committed to working with customers to provide flexible solutions to your financial needs. This includes payment deferral on mortgages, auto loans, and personal loans for up to 6 months. You are encouraged to contact your financial institution to better understand your options during this time and what makes the most sense with your financial situation.

Utility Deferrals

Saskatchewan Crown Corporations that operate utilities in the province will offer a zero-interest deferral on all utility payments for a period of 6 months.

SaskTel – waiving data overage charges, offering news and family channels for free

SaskPower – stopped active collections and won’t be limiting power supply to customers

SaskEnergy – deferring payments and not limiting natural gas supply

City Supports

Specific measures for major municipalities in Saskatchewan can be found here:

Saskatoon     |     Regina      |      Prince Albert      |     Moose Jaw      |     Humboldt

Groceries

If you’ve visited a grocery store in the last two weeks, you’ll know that essentials like toilet paper, bleach, and disinfecting wipes are scarce. The major grocery stores in Canada have assured the public that the supply chain to keep stores stocked is strong. This has also been supported by the United States and Canadian governments’ commitment to keep the borders open to commercial traffic to ensure the flow of these goods.

In addition, major grocers have also committed to maintaining the price of goods instead of increasing prices as we usually see with an increase in demand. The President and CEO of Loblaws released this statement.

Childcare

The Government of Saskatchewan has announced that childcare facilities that are located within Saskatchewan’s schools will be re-purposed to assist with the childcare demands of health-care workers and essential services workers. This includes those employed in healthcare, child services, and emergency services. Read more here.

Personal Income Tax Filing

The date for filing personal income taxes for the 2019-20 year has been extended to June 1, 2020. However, to receive the new Canada Child Benefit payment and the GST one-time payment, you are encouraged to file your personal income taxes as soon as possible to ensure the amounts you will receive for the 2020-2021 year are correct. The Canada Child Benefit and GST payments are based off your 2019 taxes, and the amounts take effect in July 2020.

If you file your 2019 personal income tax, and owe money, you have until September 1, 2020 to make a payment on the taxes you owe. No interest will be accrued on any balances owing.

Where it applies, electronic signatures will be recognized instead of in-person signatures, to encourage social distancing. Measures will also be taken to encourage the public to file your income tax electronically and they have provided help with understanding your personal income tax over phone and webinar.

Trusts that operate on a December 31, 2019 taxation year, such as family trusts, have until May 30, 2020 to submit your 2019 trust income tax returns. This is extended from the March 30, 2020 deadline.

Employment Insurance

If you qualify for Employment Insurance (EI) Sick Leave Benefits, the requirements for EI are as follows:

Unemployed due to work closure?

REQUIREMENT TO QUALIFY: 700 hours worked in the last 52 weeks

  • Your employer will need to submit a Record of Employment to the Government of Canada.
  • The one week waiting period remains in effect.
Unemployed due to self-quarantine?

REQUIREMENT TO QUALIFY: 600 hours worked in the last 52 weeks

  • You do not need to provide a Record of Employment or doctor’s note.
  • The one week waiting period is waived

If you qualify for either of these situations, you can apply here. You can also call to apply, but wait times will be much higher than normal.

Canada Emergency Response Benefit

The Canada Emergency Response Benefit will provide up to $2,000 a month for the next four months if you don’t qualify for Employment Insurance. Administered through the Canadian Revenue Agency (CRA), you may qualify if you are one of the following:

  • self-employed, quarantined, or sick with COVID-19
  • self-employed and caring for a family member who is sick with COVID-19
  • a parent of children and cannot work due to school or daycare closures, whether you qualify for Employment Insurance or not
If you are facing unemployment and don’t qualify for EI:

You will not need to provide a doctor’s note to access these benefits and are encouraged to sign up to receive the benefit through direct deposit. The application will be available in early April, and applicants will need to confirm they meet the requirements when they apply. You will also need to reconfirm your eligibility every two weeks. You can apply in one of 3 ways:

  • Applying through your My CRA account
  • Applying through your My Service Canada Account
  • Calling toll-free at 1-833-381-2725

When applying through My CRA or My Service Canada, you will need a secure PIN code. If you feel you qualify for this benefit and do not have access to either of these accounts, you can request your PIN here. It can take up to 10 business days before you receive it in the mail, so requesting it now ensures you’re ready to apply when the application opens.

EI Work Sharing Program

If you’ve agreed to reduce your normal working hours because of your employer’s efforts to curb the impact of COVID-19, you can also take advantage of the EI Work Sharing program. This provides Employment Insurance benefits to you if you’re still employed but working less than you normally would. In order to qualify for these benefits, you will have needed to work 76 weeks (an increase in the standard 52 weeks).

The Government of Saskatchewan also passed legislation ensuring that if you need time off work because you are sick with COVID-19 or are required to care for a family member who is sick, you will not experience job loss. Even if you have been working with your employer for less than 13 weeks, you qualify for job protection under this legislation.

Self-Isolation Support Program

If you have contracted COVID-19, have been in contact with someone who has COVID-19, or recently returned from international travel, you are required by law to self-isolate for 14 days. In this instance, the Government of Saskatchewan has announced the Self-Isolation Support Program that provides you with $450 a week, for a maximum of two weeks as income support. To qualify, you must also meet the following criteria:

  • you are ineligible for compensation from your employer through sick or vacation leave
  • you do not have access to private insurance to cover labour disruptions
  • you are not covered by the other federal income support programs that have been announced