Financial and Economic Supports During COVID 19 April 8 20

1 of 41
federal, provincial &

municipal
financial & economic
supports
during COVID-19
WHAT DO WE KNOW SO FAR? A GUIDE TO SUPPORT OUR
COMMUNITIES
To help address anxiety and confusion amongst our clients and

communities during the pandemic, we have compiled practical
information on federal, provincial and municipal governments’
announcements regarding financial reprieve, extensions,
deferrals, tenant and landlord issues, EI/CERB, OW/ODSP, new
funds and more. This guide is a living document organized by
topic, intended to support staff in navigating system changes and
responding to client concerns in a timely way. Where possible, we
have included a relevant source link. At the end can be found a
list of notable online sources where folks are regularly posting
related updates.
Many of you are making discoveries every day and receiving
queries from clients and communities. This document is a place to
share what we are learning each week across the organization
and sector. Help us keep the information up to date. Please send
us any discoveries, corrections and updates to add that are
consistent with the specific scope of this guide’s current content.
We will make changes throughout the weeks to come and note
the version date in the footer.
Federal, Provincial & Municipal

Financial & Economic Supports During COVID-19 Version:
April 8th, 2020
2 of 41
In community,
Sehr Athar and Chris Veldhoven
Health Promotion & Systems Specialists

Sherbourne Health
sathar@sherbourne.on.ca | cveldhoven@sherbourne.on.ca

April 8th, 2020
3 of 41
contents
1.0 HOUSING SUPPORT
1.1 Statements from the City of Toronto
1.2 Toronto Community Housing Rent Relief
1.3 Evictions Suspended for Renters & Non-Profit Co-
op Members
1.4 The Toronto Rent Bank
1.5 Emergency Energy Fund
1.6 Changes to Toronto Hydro During COVID-19
A. Low Energy Assistance Program (LEAP)
1.7 The Ontario Electricity Support Program (OESP)
1.8 Grace Period for Paying Utility Bills & Property
Tax
2.0 EMERGENCY INCOME & ECONOMIC SUPPORT
2.1 Canada Emergency Response Benefit (CERB)
A. What is the CERB?
B. Who can access it?
C. What if I am PR, don’t have a SIN or am Non
Status?
D. How do I apply?
E. When will the application be available?
F. Be mindful of scams!
G. CERB FAQ’s from the Federal Government
H. CERB-Related FAQ’s from an Employment Law
Firm
2.2 Employment Insurance (EI)

April 8th, 2020
4 of 41
A. Apply as soon as possible

B. If I get laid off
C. If I am sick
D. If I am a caregiver
E. Raising EI Advocacy Project
2.3 EI & CERB Application Process Flowchart
2.4 Job Protected Employment Leave
2.5 What if I contracted COVID-19 at work?
2.6 Ontario Works (OW) & Ontario Disability Support
Program (ODSP)
A. COVID-19 Emergency Assistance
B. Already receiving OW or ODSP?
C. Getting Your Cheque
D. City of Toronto's Housing Stabilization Fund (HSF)
2.7 Ontario Guaranteed Annual Income System
Payments for Seniors
2.8 Ontario & Federal Student Loans
2.9 Supports for Small Business
2.10 Funds & Grants
A. The Black Community Emergency Response Fund
B. COVID-19 Mutual Aid Fund for LGBTQI+ BIPOC
Folks
C. COVID-19 Emergency Support Fund for Sex
Workers
D. Financial Assistance for PWA Clients
 Medical Disability Fund (MDF)
 Positive Seniors' Fund
 Health and Wellness Fund
E. TO Artist COVID Response Fund
2.11 Taxes

April 8th, 2020
5 of 41
A. Canada Child benefit Increase

B. Goods and Services Tax Credit Special Payment
C. Extended Filing Deadlines
D. Support for Filing Your Taxes
2.12 Childcare
A. One-Time Payment
B. COVID-19 Childcare for Essential Workers
2.13 Summary of Financial Benefits in Multiple
Languages
2.14 Toronto Transit Commission (TTC)
3.0 HEALTHCARE COVERAGE & ACCESS
3.1 I do not have OHIP or IFHP coverage
3.2 I am waiting to be approved for OHIP
4.0 A FEW SOURCES

April 8th, 2020
6 of 41
1.0 housing support

1.1 STATEMENTS FROM THE CITY OF TORONTO
“Toronto Community Housing will be flexible and work with
market rent and rent-geared-to-income tenants. [See below.]
The City directed social and affordable housing providers to be
flexible, exercise discretion and work with tenants.
While the City has no power to direct landlords, all property
owners are strongly urged to find ways to help tenants to stay in
their homes and to proactively communicate with tenants about
options, if available.”
1.2 TORONTO COMMUNITY HOUSING RENT RELIEF

On March 24th, 2020, Toronto Community Housing Corporation
(TCHC) confirmed that it will be flexible and work with market rent
and rent-geared-to-income (RGI) tenants whose employment
income has been impacted by COVID-19.
To ask for a rent adjustment (RGI) or a deferral (market), tenants
need to fill out a form and return it to TCHC. Tenants can obtain
the form by:
 Calling our 24-hour Client Care Centre at 416-981-5500
 Sending an email to help@torontohousing.ca
 Downloading the forms at torontohousing.ca/covid-19
 Watching for a package TCHC is mailing to all households
During the COVID-19 emergency, Toronto Community Housing is
not accepting walk-in rent payments at its offices. Tenants have
five payment options: drop-box at their Superintendent's office or

April 8th, 2020
7 of 41
local Operating Unit office, mail, online banking, telebanking and

pre-authorized payment.
Press Control and click on the item below for more
information or the form:
 Rent payment options fact sheet
 Rent flexibility frequently asked questions
 Rent adjustment request form for RGI tenants
 Rent deferral request form for market and affordable rent
tenants
March 27th TCHC update:

https://www.torontohousing.ca/news/whatsnew/Pages/News-
Release-by-Toronto-Community-Housing---Program-to-help-
tenants-with-employment-income-loss.aspx
Updates:
https://www.torontohousing.ca/news/whatsnew/Pages/News-
Release-by-Toronto-Community-Housing---Program-to-help-
tenants-with-employment-income-loss.aspx
1.3 EVICTIONS SUSPENDED FOR RENTERS & NON-PROFIT CO-

OP MEMBERS
On March 19th, 2020, the Landlord and Tenant Board suspended
issuing new eviction notices and postponed in person
hearings.
Here are two statements made on March 26th from
http://www.sjto.gov.on.ca/ltb/:
“Until further notice, the LTB is suspending the issuance of

eviction orders and all hearings related to eviction applications —

April 8th, 2020
8 of 41
unless the matter relates to an urgent issue such as an illegal act

or serious impairment of safety.”
“Effective today, Tribunals Ontario is implementing a new policy
to postpone in-person hearings and reschedule to a later date.”
Under normal conditions, the landlord or non-profit co-op board

must first get an order to end the tenancy from the Landlord and
Tenant Board. This process includes a hearing where the
tenant/member can present concerns. Due to COVID-19 no new
eviction notices will be processed and hearings are now delayed
indefinitely. If you have previously been given an eviction notice
but your hearing has been delayed, you can stay put until a
hearing date is set and your case is heard.
 COVID-19 Update: http://www.sjto.gov.on.ca/en/latest-news/

 Renters Rights: https://www.ontario.ca/page/renting-ontario-
your-rights
 Housing Law and COVID: https://stepstojustice.ca/covid-19-
housing-law
Advocacy Project: There is an ongoing advocacy campaign
asking for the cancelation of rent for those who cannot afford it
during the COVID crisis. There are videos of peoples’ personal
stories on why rent and mortgage relief is necessary for April:
https://www.cancelrentnow.ca/
What to do if you get an eviction notice and live in Ward

13?
On March 31st, Councillor Wong Tam has indicated in her
newsletter that “Landlords can still issue eviction notices
they just can't be enforced. If you get an eviction notice,
do not leave your apartment. Please send a copy of the
eviction notice to our office and we can follow up with the
landlord directly, making sure they understand their obligations.”

April 8th, 2020
9 of 41
Follow up with Councillor Wong Tam’s office if this applies to you

or a client:
Email: councillor_wongtam@toronto.ca
Fax: 416-696-4300
Telephone: 416-392-7903
1.4 THE TORONTO RENT BANK
If you have an emergency housing need and you do not currently

receive financial assistance/income support from Ontario Works
or ODSP, contact The Toronto Rent Bank for help.
It provides limited, interest-free repayable loans to eligible low-
income households facing imminent eviction for rental arrears,
including seniors, individuals, and families. The maximum loan is
two months’ rent.
Emergency Rental Deposit Loans are available for eligible low-
income households requiring first and/or last month’s rent deposit
to move into more affordable/stable housing.
For more information: http://www.nipost.org/toronto-rent-bank/
1.5 EMERGENCY ENERGY FUND
Low-income Toronto residents may qualify for help from the City
of Toronto with energy-related emergencies to reconnect, prevent
disconnection or to assist in the payment of energy arrears for
hydro, gas or oil services.
Who Can Apply?

 Low income residents of Toronto who are not receiving
assistance from Ontario Works/OW or Ontario Disability
Support Program/ODSP can apply, regardless of their
immigration status in Canada.

April 8th, 2020
10 of 41
 You must have received a disconnection notice or have

already been disconnected or have energy arrears and do
not have enough money to pay the arrears.
To apply call 416-338-8888.
More info: https://www.toronto.ca/community-

people/employment-social-support/housing-support/financial-
support-for-renters/
1.6 CHANGES TO TORONTO HYDRO DURING COVID-19
“As part of our ongoing commitment to customers during the

COVID-19 pandemic, we'll be extending the current suspension of
electricity disconnections for residential and low-volume small
business customers until July 31, 2020, so customers don’t have
to worry about being without electricity during this time.”
For more information on rate changes, suspension of

disconnections, billing options and fraud alerts:
https://www.torontohydro.com/covid-19
1.6.A Low-income Energy Assistance Program

(LEAP)
LEAP is a Toronto Hydro grant program that helps those who are
struggling to pay past due bills or have already received a
disconnection notice. It offers a maximum grant of $500 per
household per year ($600 for electrically heated homes). In order
to qualify, your household income has to be under a certain limit.
This program is running during the pandemic, though LEAP
delivery agencies are operating with reduced activities. For more
information on eligibility, how to apply and details on each
delivery agency: https://www.torontohydro.com/for-
home/financial-assistance

April 8th, 2020
11 of 41
1.7 THE ONTARIO ELECTRICITY SUPPORT PROGRAM

(OESP)
If you are a customer of an electricity utility and in a lower-
income home, you may qualify for a reduction on your electricity
bill. The OESP is a program of the Ontario Energy Board. It
reduces the cost of your household electricity by applying a
monthly credit directly to your bill. The credit amount will depend
on how many people live in your home and your combined
household income.
For more information including eligibility:
https://ontarioelectricitysupport.ca/FAQ
To apply: https://ontarioelectricitysupport.ca/
1.8 GRACE PERIOD FOR PAYING UTILITY BILLS &

PROPERTY TAX
Some of us may be paying utilities as renters, and some of us
may be new condo owners housing our families. The City is
providing a grace period for payments and payment
penalties for 60 days, starting March 16, 2020.
More info: https://www.toronto.ca/home/covid-19/economic-
support-recovery/economic-support-recovery-for-individuals-
families/

April 8th, 2020
12 of 41
1.1 2.0 emergency income

& economic support
Note: Frontline staff are reporting very long wait times when
trying to call various government services. Some community
members are also reporting confusion about the number of
EI/CERB related cheques they are receiving and their amounts.
The realities of meeting people’s needs are continuously being
worked out in different systems.
2.1 CANADIAN EMERGENCY RESPONSE BENEFIT (CERB)
2.1.A What is the CERB?

On March 25th, 2020, the Federal government has announced
that the two previously announced Federal emergency benefits
(the Emergency Care Benefit & the Emergency Support Benefit)
will be replaced by one, now called the Canada Emergency
Response Benefit (CERB).
If you stopped working because of COVID-19, the Canada
Emergency Response Benefit (CERB) may provide you with
temporary income support.
The CERB provides $500 a week for up to 16 weeks.

Money will start flowing within 10 days after you apply. The CERB
will be paid every four weeks for up to four months and will be
available March 15, 2020 until Oct. 3, 2020.
People must reapply for every four-week period of CERB.
The period dates are here in the “Eligibility periods” section:

April 8th, 2020
13 of 41
https://www.canada.ca/en/revenue-
agency/services/benefits/apply-for-cerb-with-cra.html
If you applied for EI regular or sickness benefits on March
15, 2020 to April 5th, your claim will be automatically
processed through the Canada Emergency Response Benefit. You
will receive CERB benefits first and these will not reduce your EI
entitlements post September 2020.
Receiving Your Money: After you apply, you should get your
payment in 3 business days if you signed up for direct deposit. If
you haven’t, you should get it in about 10 business days.
2.1.B Who can access the CERB?

To be eligible to receive the Canada Emergency Response Benefit
(CERB) from Service Canada, the following must apply:
 You must reside in Canada
 You are 15 years of age or older at the time of application
 You have stopped or will stop working for reasons related to
COVID-19, or because you are unable to work due to illness,
or because you lost your employment for other reasons
beyond your control; and
o If you are submitting for the first time, that you have
stopped or will stop working for reasons related to
COVID-19 for at least 14 consecutive days within the 4
week benefit period
o If you are filing for a subsequent period and did not
return to work since your previous claim, you did not
receive any employment or self employment income
since collecting the benefit and do not expect to
receive any employment or self employment income
within the 4 week benefit period
o If you are filing for a subsequent period after having
returned to work between periods, that you have

April 8th, 2020
14 of 41
stopped or will stop working for reasons related to

COVID-19 for at least 14 consecutive days within the 4
week benefit period
 You have not quit your job voluntarily
 You are not receiving nor have you applied for the CERB
from the Canada Revenue Agency
 You are not receiving Employment Insurance benefits for the
same benefit period
 You have earned a minimum of $5,000 in income within the
last 12 months or in the 2019 calendar year from either:
o Employment income
o Self-employment income
More info: https://www.canada.ca/en/services/benefits/ei/cerb-
application.html
If you became eligible for EI regular or sickness benefits prior to
March 15th, your claim will be processed under the pre-existing
Employment Insurance rules. If you became eligible for EI regular
or sickness benefits on March 15, 2020 or later, your claim will be
automatically processed through the Canada Emergency
Response Benefit.
For other EI benefits, including maternity, parental, caregiving,
fishing and worksharing, you should also continue to apply.
 Apply for other EI benefits
The CERB applies to wage earners, as well as contract workers

and self-employed individuals who would not otherwise be eligible
for Employment Insurance (EI), for example, freelance, self-
employed, contract, or other gig economy workers. The CERB is
available for anyone whose employment has been affected by the
pandemic as follows:
1. Workers who have lost their jobs as full time, contract or
self-employed workers.

April 8th, 2020
15 of 41
2. Workers who are still employed, but have lost income

because of the COVID19 disruptions (for example, people
who haven't been laid off but aren’t getting a paycheque
because their workplace is closed due to COVID-19)
3. Workers who are sick, quarantined, or taking care of
someone who is sick with COVID-19 and need to miss work
to do so
4. Working parents who must now stay at home without
pay to care for children who are sick or at home because of
school and daycare closures.
More Info: https://www.canada.ca/en/department-
finance/news/2020/03/introduces-canada-emergency-response-
benefit-to-help-workers-and-businesses.html
2.1.C What if I am PR, don’t have a SIN or bank

account, or am non-
status? Am I eligible?
We don’t know. The Federal government (Cabinet) still has to

decide the full range of who will be eligible for this support.
Advocacy Project: On March 27th, 2020, the Migrants Rights
Canada Network started an advocacy campaign:
https://migrantrights.ca/
You can help by calling Cabinet members now to tell
Cabinet members to make sure everyone receives the income
support they need, regardless of their immigration or previous
work status.
More info: https://migrantrights.ca/callcabinet/
2.1.D How do I apply?

April 8th, 2020
16 of 41
If you are not eligible for Employment Insurance, find out how you
can get ready to apply for the CERB through the Canada Revenue
Agency.
If you are already receiving EI, you do not apply for the CERB,
with an exception as follows. If your current EI benefits will end
before October 3, 2020, and if you cannot return to work due to
COVID-19, You could apply for this emergency benefit once your
current EI benefits stop.
If you have already applied to EI due to COVID-19, you do not
need to reapply for the new CERB, it will be issued to you
automatically once your application is processed.
An online portal where you can apply directly to access this
emergency fund will be available in early April at:
MyCRA: https://www.canada.ca/en/revenue-agency/services/e-
services/cra-login-services.html
MyServiceCanada: https://www.canada.ca/en/employment-social-
development/services/my-account.html
Important! Whether you apply online or by phone, the CRA
wants to provide the best service possible to everyone. To help
manage this, the CRA has set up specific days for people to apply.
Please use the following guidelines:
If you were born Your best day

Apply for CERB on:
in the month of… to apply:
January, February or
Mondays April 6
March
April, May, or June Tuesdays April 7
July, August, or
Wednesdays April 8
September
October, November,
Thursdays April 9
or December

April 8th, 2020
17 of 41
Fridays, Saturdays and

Any month
Sundays
2.1.E When will the application be available?

The portal for accessing the CERB has been available since April
6th. More information here:
https://www.canada.ca/en/revenue-
agency/services/benefits/apply-for-cerb-with-cra.html - start
Check the Canada COVID19 Economic Response website for the

latest details: https://www.canada.ca/en/department-
finance/economic-response-plan/covid19-
individuals.html#new_canada_emergency_response_benefit
2.1.F Be mindful of scams!

Scammers are beginning to send text messages, such as
announcing that you have received a “deposit” about the new
CERB and trying to get you to click a malicious web link. Warn
clients and community members.
2.1.G CERB FAQ’s from the Federal Government

https://www.canada.ca/en/services/benefits/ei/cerb-
application.html
2.1.H CERB-Related FAQ’s from an Employment

Law Firm
Dutton Employment Law is keeping track of CERB employment
related issues during the COVID-19 pandemic. For a
comprehensive list of questions and answers see the link below. It

April 8th, 2020
18 of 41
addresses questions such as “What if my employer does not give

me my ROE?” https://duttonlaw.ca/canada-emergency-response-
benefit/
2.2 EMPLOYMENT INSURANCE (EI)

2.2.A Apply As Soon As Possible
If you are now eligible for EI due to COVID19 but have not yet
applied, visit Service Canada’s website to submit your online EI
application as soon as possible, to receive the CERB benefit and
any other EI benefits: https://www.canada.ca/en/employment-
social-development/corporate/portfolio/service-canada.html
There is a COVID19 EI hotline you can call for assistance,
however, Service Canada recommends that you fill out your
online application first before calling the hotline, to prevent any
delays to processing your application. 1-833-381-2725.
2.2.B If I get laid off

If you lose work, and have paid into EI, you can get EI benefits.
People are encouraged to file a claim as soon as they lose their
job. You will need a Record of Employment (ROE), and it will be
1 week before you get paid.
Application Preparation Fact Sheet for EI Regular Benefits:
https://www.toronto.ca/wp-content/uploads/2020/03/8e88-EI-
Regular-Benefits_Fact-Sheet1.pdf
Apply here: https://www.canada.ca/en/services/benefits/ei/ei-
regular-benefit/apply.html
2.2.C If I am sick
EI Sickness Benefits provide up to 15 weeks of income
replacement and is available to eligible claimants who have

April 8th, 2020
19 of 41
paid into EI and are unable to work because of illness, injury

or quarantine, to allow them time to restore their health and
return to work.
As of March 18th, the one week waiting period has been
waived.
If you are claiming EI sickness benefits because of the COVID-19
virus or quarantine you do not have to provide a medical
certificate.
Application Preparation Fact Sheet for EI Sick Benefits:
https://www.toronto.ca/wp-content/uploads/2020/03/8ed6-EI-Sick-
Benefits-COVID-19_Fact-Sheet1.pdf
Apply here: https://www.canada.ca/en/services/benefits/ei/ei-
sickness.html
2.2.D If I am a caregiver
Up to 26 weeks of Compassionate Care Benefits are
available in a one-year period if you need time off work to provide
care or support to a family member who has a significant risk of
dying within 26 weeks. More info:
https://www.canada.ca/en/services/benefits/ei/caregiving.html#h2
.2-h3.2
Protecting Your Job: Normally, before you apply for
Compassionate Care Benefits, you should ask your employer if
they will hold your job while you are on leave. It’s best to tell your
employer in writing that you are taking leave and when. This
information will help your employer to organize the workload
while you’re gone and to decide if they can hold your job for you
for that time. During the pandemic see Job Protected
Employment Leave below.

April 8th, 2020
20 of 41
For more details and questions:

https://stepstojustice.ca/questions/employment-and-work/i-am-
caring-someone-who-very-sick-can-i-get-ei
2.2.E Raising EI Advocacy Project

On March 27th, 2020, the Workers’ Action Centre has started an
advocacy campaign, calling for the federal government to raise
the EI benefits to at least $500 per week, the same amount as the
CERB. You can call cabinet members now. More info:
https://workersactioncentre.org/call-federal-ministers-we-need-a-
covid-19-emergency-benefit-for-everyone/
2.3 EI & CERB APPLICATION PROCESS FLOW CHART

Some people are more comfortable figuring this out using a flow
chart. Jennifer Robson, a Professor at Carleton University, created
a guide outlining pathways to take when considering applying for
federal benefits. Check it out:
https://drive.google.com/file/d/1lOJn7XS6ETIkbLRodYk681M_2dxkk
Qsc/view
2.4 JOB PROTECTED EMPLOYMENT LEAVE

On March 19, 2020, the Ontario Legislature has passed the
Employment Standards Amendment Act (Infectious Disease
Emergencies), 2020 to provide job-protected leave to
employees in isolation or quarantine due to COVID-19, or
those who need to be away from work to care for children
because of school or daycare closures or to care for other
relatives.
For more details:
https://news.ontario.ca/opo/en/2020/03/employment-standards-
amendment-act-infectious-disease-emergencies-2020.html

April 8th, 2020
21 of 41
2.5 WHAT IF I CONTRACTED COVID-19 AT WORK?

If you believe you contracted OCVID-19 while at work, you can
apply for Workplace Safety and Insurance Board (WSIB)
Benefits. You may file a claim to determine if you are eligible for
WSIB coverage which is under provincial jurisdiction through the
Workplace Safety and Insurance Board. You can download Form 6
at: https://www.wsib.ca/en
While their offices will remain closed to the public and they are
not accepting any mail or deliveries during this time of public
concern, there are other ways they can help you:
Phone: You can call them at 1-800-387-0750, Monday to Friday
7:30 a.m. to 5 p.m. Please be prepared for the possibility of longer
wait times.
Online: You can use their online services, and upload claim-
related information online. Their online services are the
quickest way to send them information.
If you know your claim number, you can upload your
documents online.
If you have a new claim or don't know your claim number,
please fax your documents to 416-344-4684 or 1-888-313-7373.
2.6 ONTARIO WORKS (OW) & ONTARIO DISABILITY SUPPORT

PROGRAM (ODSP)
2.6.A COVID-19 Emergency Assistance

In a new financial emergency? As of March 25th, 2020, the
province of Ontario has made $200 million in social services relief
for emergency assistance for those who are not able to access

April 8th, 2020
22 of 41
federal assistance to cover food costs, rent, medicine and other

essential services during this time.
COVID-19 Emergency Assistance is now available for up to 48
days at a time and you can apply more than once in 6
months: https://thestorefront.org/2017/wp-
content/uploads/2020/03/03.25-Financial-supports-
summary_final_updated-3_30-PM.pdf
To apply for COVID-19 Emergency Assistance, go to the Ministry
of Children, Community & Social Services website & click the
button “Apply for COVID-19 Emergency Assistance”:
https://www.mcss.gov.on.ca/en/mcss/programs/social/apply_onlin
e.aspx
2.6.B Already receiving OW or ODSP? Additional

Funding Available
Apply through the link below, MyBenefits or your OW or ODSP
caseworker:
https://www.mcss.gov.on.ca/en/mcss/programs/social/apply_onlin
e.aspx
As of March 23rd, 2020: the government has also temporarily
removed the requirement for clients to provide written
documentation at this time. You do not have to visit your local
office with documentation. OW & ODSP payments will be made as
usual and will continue based on previous levels of income
support.
*April 6 Update from frontline staff: It looks like OW and

ODSP recipients will get an additional $100 through this funding.
Recipients of OW will automatically receive it. Recipients
of ODSP will have to request it.
2.6.C Getting Your Cheque

April 8th, 2020
23 of 41
For information on how to receive or pick up your cheque, where

to go and how to get there, go to this link and click on the tab
“employment and social services”:
https://www.toronto.ca/home/covid-19/affected-city-services/
2.6.D City of Toronto's Housing Stabilization Fund

(HSF)
The City of Toronto provides emergency housing support through
the Housing Stabilization Fund. The fund provides money for
emergency housing needs to people receiving financial
assistance through Ontario Works or income support
through the Ontario Disability Support Program (ODSP) in
the city of Toronto.
HSF is intended to prevent homelessness and help obtain and
retain housing.
To meet emergency housing needs, money from HSF may help
with costs such as:
 rental or moving costs within the Greater Toronto Area (GTA)
 rental or energy arrears in Toronto
 bed bugs
 setting up a residence in Toronto
Please note that reimbursements cannot be issued for items
already paid for prior to the request for HSF.
1.2 Who Can Apply? People receiving financial assistance
through Ontario Works or income support through the Ontario
Disability Support Program (ODSP) in Toronto may be eligible
for money from the Housing Stabilization Fund if they are:
 Homeless and leaving an emergency shelter or the street
 Housed and moving within the GTA because of domestic
violence, fire/flood or to accommodate a change in family
size

April 8th, 2020
24 of 41
 Housed and moving within the GTA due to a high rent

situation or eviction
In these situations, HSF may be issued to help with:
 Rental costs within the GTA
 Moving costs within the GTA
 Setting up a residence in Toronto (HSF is not issued to
replace old, worn or broken furniture)
People receiving financial assistance through OW and ODSP may
also qualify if they are housed and in energy arrears (gas, hydro
or fuel) with risk of disconnection or rental arrears.
See your OW/ODSP case worker to apply.
For more information: https://www.toronto.ca/community-
people/employment-social-support/housing-support/financial-
support-for-renters/housing-stabilization-fund/
2.7 ONTARIO GUARANTEED ANNUAL INCOME SYSTEM

PAYMENTS FOR
SENIORS
If you’re a low-income senior, you may qualify for monthly

Guaranteed Annual Income System/GAIN payments. On March 25,
2020, the Ontario government announced a temporary top-up to
payments made through the Ontario Guaranteed Annual Income
System (GAINS). Beginning in April 2020, monthly GAINS
payment amounts will be doubled for a period of six
months. This action will provide additional and immediate
financial support to low-income Ontario seniors who may need
more help to cover essential expenses during the coronavirus
(COVID-19) outbreak.
 Monthly GAINS payments range between $2.50 and $83.
 If you have no private income, you’ll receive the maximum
benefit of $83 a month.

April 8th, 2020
25 of 41
 Your payment can change if your income or marital status

changes.
 GAINS payments are provided on top of the Old Age Security
(OAS) pension and the Guaranteed Income Supplement (GIS)
payments you may receive from the federal government.
 Together, the total maximum benefits from OAS, GIS and
GAINS is the guaranteed income level. The Province
guarantees that eligible Ontario seniors will have at least
this minimum level of income.
 The guaranteed income level is updated every three months
to reflect inflation.
Eligibility
You qualify for GAINS payments if you:

 are 65 years or older
 have lived in Ontario for the past 12 months or for a total of
20 years since turning age 18
 have been a Canadian resident for 10 years or more
 receive the federal OAS pension and GIS payments
 have an annual private income of up to $1,992 if you are a
single senior, or up to $3,984 if you are a senior couple.
Private income may include money from a private pension,
the Canada Pension Plan, bank interest, etc.
How to apply
If you currently receive the OAS pension and GIS, you do not have
to apply. Your GAINS benefits will be determined based on
information received from Employment and Social Development
Canada and the details provided on your personal income tax and
benefit return.
To receive your GAINS payments you must file your return every
year by April 30, even if you don’t have income to report, or
complete a GIS application and send it to your nearest Service
Canada office.

April 8th, 2020
26 of 41
For more details see:

https://www.ontario.ca/page/guaranteed-annual-income-system-
payments-seniors

April 8th, 2020
27 of 41
2.8 ONTARIO & FEDERAL STUDENT LOANS

Effective March 30, all federal and Ontario student loan
repayments will be automatically suspended until September
30, 2020. No payment will be required and interest will not
accrue during this time. Students do not need to apply for the
repayment pause.
Ontario Student Assistance Program (OSAP):
https://news.ontario.ca/mof/en/2020/03/ontarios-action-plan-
responding-to-covid-19.html
Federal Student Loans:
https://www.canada.ca/en/employment-social-
development/corporate/notices/coronavirus.html
2.9 SUPPORTS FOR SMALL BUSINESSES

Some of us may work in or own a small business and need
support with revenue/income loss. See this link for continually
updated economic supports & recovery measures for small
businesses at the municipal, provincial and federal level:
https://www.toronto.ca/home/covid-19/economic-support-
recovery/economic-support-recovery-for-businesses/
2.10 FUNDS & GRANTS

2.10.A The Black Community Emergency Support
Fund from BLMTO
Black Lives Matter- Toronto has launched a fundraising campaign
to create a GTA Black Community Emergency Support Fund for
Black folks in the GTA who need extra support during these times.
More background and application information from BLMTO can be
found here:

April 8th, 2020
28 of 41
https://www.gofundme.com/f/black-emergency-support-fund?
utm_medium=copy_link&utm_source=customer&utm_campaign=
p_lico+share-
sheet&fbclid=IwAR1aX4khkSGHapJvemOp8gasjOUdL9mNlW5AcH
kpVNEmLXvjyrpbEUS5Vzs
2.10.B COVID-19 Mutual Aid Fund for LGBTQI+ BIPOC

Folks (*closed)
The COVID-19 pandemic has exposed the particular vulnerability

of queer, transgender, non-binary and/or intersex Black,
Indigenous folks and other LGBTQI+ people of color (QTIBIPOC
folks). They have received 451 applications from all over Turtle
island. On March 16th the application survey closed. For
more information and updates:
https://www.gofundme.com/f/covid19-relief-fund-for-lgbtqi-bipoc-
folks?
sharetype=teams&member=3890858&utm_medium=copy_link&
utm_source=customer&utm_campaign=p_na+share-
sheet&rcid=a69b4f705d664b62ad78c1df61f615e0&fbclid=IwAR0
DcZAIbDCLusOnWvCcq6MD2lwEyocFh3Vnju-
B0Eb4UDaDU74Os_IDrBA
2.10.C COVID-19 Emergency Support Fund for Sex

Workers
(*applications on hold)
Sex workers are even more vulnerable during the pandemic.
Maggie's Toronto Sex Worker Action Project has created a fund to
support sex workers during this time. Information on current
conditions for sex workers from Maggie’s website can be found
here: https://www.maggiesto.org/covid19?

April 8th, 2020
29 of 41
fbclid=IwAR3jSWWfJQtDOKNGDySZRaGx4jC4siSeJ62zxopy7ERnAE
j-BUwFhvk8cOY
Applying to the Fund:
*As of March 26, they have received 129 applications. They
have closed the application process temporarily while they
work to review these applications. They are aiming to re-open the
application soon as they continue to raise funds to support our
community members in crisis. Check the “Apply” button for
updated messages at the link above.

April 8th, 2020
30 of 41
2.10.D Financial Assistance for PWA Clients

The Toronto People With AIDS Foundation/PWA’s Financial
Assistance program helps to support the health and wellness of
people living with HIV/AIDS and aims to alleviate some of the
financial burdens associated with living with HIV/AIDS.
It has three funds to which their members/clients can

apply:
i. Medical Disability Fund
ii. Positive Seniors’ Fund
iii. Health and Wellness Fund
In order to access any of the three funds, clients must:

 be HIV positive
 be registered clients of PWA
 provide written verification of their HIV status
 live in the City of Toronto and have a postal code that starts
with the letter M.
To apply or become a member:

Email Rpisharody@pwa.org or Phone (416) 506-1400
i. Medical Disability Fund (MDF)

The MDF helps people living with HIV/AIDS manage some of the
financial burdens they face when living on Ontario Works,
Employment Insurance, Medical Insurance or are unemployed and
applying for Ontario Disability Support Program or long-term
disability.
Amount: $150 for Individuals or $200 for Families.
Clients must also be:
 Currently on Ontario Works, Employment Insurance or
Medical Employment Insurance, and

April 8th, 2020
31 of 41
 Actively applying for a long-term disability program (not

through private insurance) including Canada Pension Plan,
Old Age Security and Ontario Disability Support Program.
ii. Positive Seniors’ Fund

The fund helps HIV+ seniors manage some of the financial
burdens they face when they receive OAS (Old Age Security),
including a reduced monthly income and reduced insurance
coverage.
Amount: $200 between April 1st – March 31st
Clients must be 64 years old and older.
iii. Health and Wellness Fund

This fund helps people living with HIV/AIDS manage some of the
financial burdens they face when improving and maintaining their
health and wellness.
Amount: $275 between April 1st and March 31st
Please see PWA’s shared google doc for details on eligible
expenses (e.g. prescription medications, traditional medicine,
dental, emergency veterinary expenses, immigration application
fees), percentages covered, coverage caps, and timelines, and
more:
https://docs.google.com/document/d/1O-
eBP0iIpuzmIpgQNb2WwJJ0hLxAjkx5tehln0HPvyg/edit
2.10.E TO Artist COVID Response Fund (*applications on

hold)
The Toronto Arts Foundation and the Toronto Arts Council have
created the TO Artist COVID Response Fund to help the thousands
of Toronto artists who have lost income as a result of COVID-19

April 8th, 2020
32 of 41
arts cancellations, including musicians, actors, writers, dancers,

community and visual artists. Qualifying artists will each receive
up to $1,000 (about half a month’s rent).
More background information, criteria and updates may be found
here: https://torontoartscouncil.org/grant-programs/toartist-covid-
response-fund
*April 6, 2020 NOTIFICATION: TOArtist COVID Response
Fund - SUSPENDED
The TO Artist COVID Response Fund is currently suspended,
pending processing of applications already opened or submitted.
If you have an open application, they encourage you to submit it
as quickly as possible. To date, 1900 applications have been
opened and are being reviewed. The first batch of results will be
sent before April 10.
2.11TAXES
2.11.A Canada Child Benefit (CCB) Increase

Eligible recipients will receive $300 more per child with their
regular May 2020 CCB payment. If you have previously applied
for the CCB, you do not need to re-apply. For more information on
the Canada Child Benefit such as how to apply and eligibility
requirements, go to https://www.canada.ca/en/revenue-
agency/services/child-family-benefits/canada-child-benefit-
overview.html or call 1-800-387-1193.
2.11.B Goods and Services Tax (GST) Credit Special

Payment
Low and modest-income individuals and families will
receive a one-time special payment in early May through the

April 8th, 2020
33 of 41
Goods and Services Tax credit (GST cheque). The average cheque
being $400 for single individuals and $600 for couples.
2.11.C Extended Filing Deadlines

As a result of the COVID-19 pandemic, the government has
extended the 2019 personal tax filing deadline to June 1,
2020. If you are self-employed and pay tax by instalments,
you now have until Sept. 1, 2020 to pay your June 2020
quarterly personal tax instalment.
https://www.canada.ca/en/revenue-agency/campaigns/covid-19-
update/covid-19-filing-payment-dates.html
File as soon as possible to receive benefits sooner. The
Canada Revenue Agency/CRA encourages individuals who expect
to receive benefits under the GST credit, the Canada Child
Benefit, or other tax benefits to do their 2019 taxes as soon as
possible, to ensure that they experience no disruptions to their
benefits.
2.11.D Support for Filing Your Taxes

If You Would Like to Try Doing Your Taxes Yourself
If you have access to a computer and internet access, consider
doing your taxes using free tax software. Scroll down to “Ways to
do your taxes” at this link for multiple options.
https://www.canada.ca/en/revenue-agency/campaigns/taxes-get-
ready.html.
Additional link to how to prepare taxes online:
https://business.financialpost.com/personal-finance/taxes/how-to-
get-your-tax-refund-as-quickly-as-possible-amid-the-covid-19-
crisis?video_autoplay=true

April 8th, 2020
34 of 41
Free Tax Filing Services

While free public tax clinics are closed during the pandemic, a few
people are offering individuals free filing support, often over
email. Check details here:
https://mcusercontent.com/b8b01c6ecc7ff78b8f68e9bc9/files/204
0a796-949f-48f9-a154-b7a1411fbfb3/tax_clinic_info.pdf
As of March 16th, 2020, Woodgreen’s Financial Empowerment
Counsellors are available for telephone-based appointments to
discuss any of your financial concerns, whether related to COVID-
19 or not. Please call this number and leave a message with your
name and telephone number, and someone will call you back in 2
business days. Call: 416-645-6000 ext. 1330 or email
fe@woodgreen.org to make an appointment.
2.12CHILD CARE
2.12.A One-Time Payment
As of March 25th, 2020, the provincial government announced a
plan to helping families pay for the extra costs associated with
school and daycare closures during the COVID-19 outbreak by
providing a one-time payment of $200 per child up to 12 years of
age, and $250 for those with special needs, including children
enrolled in private schools.
Parents/guardians must submit one application per child. Only

one parent / guardian may apply for each child. The parent /
guardian who applies should have custody of the child.
See more: https://news.ontario.ca/mof/en/2020/03/ontarios-
action-plan-responding-to-covid-19.html
To apply online:
https://www.iaccess.gov.on.ca/FamilyAppWeb/public/index.xhtml?

April 8th, 2020
35 of 41
fbclid=IwAR0Gnc-
N73dTgNEGFPhOD6DGgtlfu9VjomnVLy7Zz94JSG89239F2EvCRrY
2.12.B COVID-19 Childcare for Essential Workers

March 31st update: The City of Toronto is authorized by the
Province of Ontario to provide emergency childcare for children of
essential and critical service workers. The service is provided at
no costs to families, funded by the Province of Ontario, for
children from birth to age 12. Services will operate 24 hours a
day, seven days a week. Centres are located across Toronto in
existing City-run licensed childcare facilities and staffed by City of
Toronto childcare workers.
See this link for a list of who is eligible and how to apply:
https://www.toronto.ca/home/covid-19/covid-19-social-
support/covid-19-child-care-for-essential-workers/
2.13 SUMMARY OF FINANCIAL BENEFITS IN MULTIPLE

LANGUAGES
For a summary of financial benefits (CERB, Child Benefits, Student
Loans, Taxes) in a table form in different languages (French,
Amharic, Arabic, Armenian, Dari, Somali, Spanish & Tigrinya),
please see the following link: http://www.rstp.ca/en/refugee-
sponsorship/latest-policy-program-update/summary-of-financial-
benefits-available-under-canadas-covid-19-economic-response-
plan/
2.14TORONTO TRANSIT COMMISSION (TTC)

April 8th, 2020
36 of 41
Updates - March 31:

Bus boarding and payment changes
“We are no longer accepting cash, TTC tickets or tokens on
buses at this time. If you do not have a PRESTO card or ticket
you will not be denied service and we would ask that you pay
at your first opportunity, like at a station or on a streetcar if
possible. As of March 18, 2020 the TTC stopped handing paper
transfers out to customers on buses.”
“Customers must board and exit the bus from the rear doors only,
except those who require the kneeling ramp to be deployed.”
These efforts help protect the health of bus drivers and maintain
service during the pandemic.
Fare Inspectors at subway stations
Fare Inspectors have been deployed across TTC subway stations
to provide customer service. During this time, they will not be
conducting fare inspections and are also no longer
travelling on TTC vehicles.
From:
http://ttc.ca/Riding_the_TTC/Safety_and_Security/Coronavirus_upd
ate.jsp

April 8th, 2020
37 of 41
3.0 healthcare coverage &

access
3.1 I DO NOT HAVE ONTARIO HEALTH INSURANCE PLAN
(OHIP) OR INTERIM FEDERAL HEALTH PROGRAM (IFHP)
COVERAGE
You will not be turned away or charged for service during

the pandemic.
On March 20, 2020, the Ontario Ministry of Health directed all
hospitals to: “provide all medically necessary services to
all persons who present at hospital, regardless of whether
the person presents a valid OHIP card, or does not have
health insurance under OHIP or another provincial health
insurance plan."
This includes all medically necessary hospital services, not
just COVID-19 related care.
This means that a patient without OHIP will not be asked for
payment up front or receive any bills.
The directive also makes clear to physicians and hospitals the
amount the government will reimburse them for providing these
services: "Payment for hospital services [for uninsured persons]
will be provided at the 2019/2020 interprovincial hospital billing
rates and physician services will be provided at the existing

April 8th, 2020
38 of 41
Schedule of Benefit for Physician Services (the “Schedule”)

rate(s)."
All Ontario physicians - including those outside of hospital
settings - can now see uninsured patients and be
compensated by the province. However, this may not be
widely practiced at this stage as physicians learn about these new
measures. See OHIP bulletin #4749 for details:
http://www.health.gov.on.ca/en/pro/programs/ohip/bulletins/4000/
bul4749.aspx
Access to health care for uninsured patients during
COVID-19 in Toronto: a brief guide for health care and
social service providers
The Wellesley Institute has summarized the Ontario Ministry of
Health expanded health care coverage for patients without OHIP
during the COVID-19 outbreak. Check this link for updates:
https://drive.google.com/file/d/1my-TUUd7E9BexPOivdudz-
Sma6kqEiIh/view
3.2 I AM WAITING TO BE APPROVED FOR OHIP
The 3-month waiting period is being waived.

On March 20, 2020, the Ontario government waived the 3-month
waiting period required before being given OHIP coverage.
“To ensure that anyone in need of care can receive it, Ontario is
waiving the three-month waiting period for Ontario Health
Insurance Plan (OHIP) coverage. Additionally, the province will
cover the cost of COVID-19 services for uninsured people who do
not meet the criteria for OHIP coverage. Together, these
measures will ensure that no one will be discouraged from
seeking screening or treatment for COVID-19 for financial
reasons.”

April 8th, 2020
39 of 41
See the announcement here:

https://news.ontario.ca/mohltc/en/2020/03/ontario-expands-
coverage-for-care.html
4.0 a few sources

These links have been helpful for checking on updates.
1. Canada's COVID-19 Economic Response Plan has links
to supports including: extra time to file income tax,
accessing CERB and EI, increasing the Canada Child Benefit,
moratorium on paying federal student loans, Indigeneous
community funds, and more.
https://www.canada.ca/en/department-finance/economic-
response-plan.html
https://www.canada.ca/en/department-
finance/news/2020/03/canadas-covid-19-economic-response-
plan-support-for-canadians-and-businesses.htm
https://www.canada.ca/en/department-finance/economic-
response-plan/covid19-
individuals.html#new_canada_emergency_response_benefit

April 8th, 2020
40 of 41
2. The City of Toronto has consolidated information

online entitled, “Economic Support & Recovery for
Individuals and Families”.
Federal, Provincial and Municipal information found here
includes the following topics: Employment Insurance and
Canada Emergency Response Benefit (CERB), Renters and
Eviction, Utility Payments, Toronto City Housing Corporation
Tenants, Credit support from Banks. The page and links are
updated daily by the City.
https://www.toronto.ca/home/covid-19/economic-support-
recovery/economic-support-recovery-for-individuals-families/
3. Councillor Wong Tam also provides daily COVIC-19
updates. Federal, Provincial and Municipal information found
here, in addition to the topics mentioned above, includes the
following topics: Ontario Works, Relief funding for those who
can not access federal assistance, Travel, Public Parks,
Lobbying to protect those most vulnerable, Safe Injection
Sites, and more.
https://www.kristynwongtam.ca/covid19
4. The 519 has compiled and continues to update a variety of
information sheets. Topics include: Guidance and Resources
from the Toronto Drop-In Network, City of Toronto Economic
Support HEalth Advice, Social Supports, 211 - Updates to
Changes in Services, Aboriginal Supports, Taxes and
Benefits, Food Resources, Parent/Caregiver Resources,
Housing and Financial Resources, and more.
https://www.the519.org/covid19-services-supports
5. Useful overview articles
https://www.vice.com/en_ca/article/xgq95q/coronavirus-
news-how-to-apply-for-the-cerb

April 8th, 2020
41 of 41
https://www.theglobeandmail.com/investing/personal-
finance/household-finances/article-how-to-apply-for-ei-
emergency-response-benefit-and-other-covid-1/

April 8th, 2020

Financial and Economic Supports During COVID 19 April 8 20

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Financial and Economic Supports During COVID 19 April 8 20

Uploaded by

Copyright:

Available Formats

1 of 41

federal, provincial &

To help address anxiety and confusion amongst our clients and

Federal, Provincial & Municipal

Sehr Athar and Chris Veldhoven

Health Promotion & Systems Specialists

Federal, Provincial & Municipal

Federal, Provincial & Municipal

A. Apply as soon as possible

Federal, Provincial & Municipal

A. Canada Child benefit Increase

Federal, Provincial & Municipal

1.0 housing support

1.2 TORONTO COMMUNITY HOUSING RENT RELIEF

Federal, Provincial & Municipal

local Operating Unit office, mail, online banking, telebanking and

March 27th TCHC update:

1.3 EVICTIONS SUSPENDED FOR RENTERS & NON-PROFIT CO-

“Until further notice, the LTB is suspending the issuance of

Federal, Provincial & Municipal

unless the matter relates to an urgent issue such as an illegal act

Under normal conditions, the landlord or non-profit co-op board

 COVID-19 Update: http://www.sjto.gov.on.ca/en/latest-news/

What to do if you get an eviction notice and live in Ward

Federal, Provincial & Municipal

Follow up with Councillor Wong Tam’s office if this applies to you

1.4 THE TORONTO RENT BANK

If you have an emergency housing need and you do not currently

1.5 EMERGENCY ENERGY FUND

Who Can Apply?

Federal, Provincial & Municipal

 You must have received a disconnection notice or have

To apply call 416-338-8888.

More info: https://www.toronto.ca/community-

1.6 CHANGES TO TORONTO HYDRO DURING COVID-19

“As part of our ongoing commitment to customers during the

For more information on rate changes, suspension of

1.6.A Low-income Energy Assistance Program

Federal, Provincial & Municipal

1.7 THE ONTARIO ELECTRICITY SUPPORT PROGRAM

1.8 GRACE PERIOD FOR PAYING UTILITY BILLS &

Federal, Provincial & Municipal

1.1 2.0 emergency income

2.1 CANADIAN EMERGENCY RESPONSE BENEFIT (CERB)

2.1.A What is the CERB?

The CERB provides $500 a week for up to 16 weeks.

Federal, Provincial & Municipal

2.1.B Who can access the CERB?

Federal, Provincial & Municipal

stopped or will stop working for reasons related to

The CERB applies to wage earners, as well as contract workers

Federal, Provincial & Municipal

2. Workers who are still employed, but have lost income

2.1.C What if I am PR, don’t have a SIN or bank

We don’t know. The Federal government (Cabinet) still has to

2.1.D How do I apply?

Federal, Provincial & Municipal

If you were born Your best day

Federal, Provincial & Municipal

Fridays, Saturdays and

2.1.E When will the application be available?

Check the Canada COVID19 Economic Response website for the

2.1.F Be mindful of scams!

2.1.G CERB FAQ’s from the Federal Government