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Government action & disaster assistance

Federal, state and local governments are undertaking numerous actions and offering several programs to assist small businesses with the direct and indirect effects of COVID-19 on their businesses. Many financial institutions and private parties are providing financial assistance as well.


Canada Emergency Wage Subsidy (CEWS): An overview

The new Canada Emergency Wage Subsidy (CEWS) provides a 75% wage subsidy to eligible employers for up to 12 weeks, retroactive to March 15, 2020. The goal of CEWS is to help employers keep on and return employees to their payroll in response to the challenges posed by COVID-19 and the resulting shutdowns

Eligible employers include individuals, taxable corporations, partnerships consisting of eligible employers, non‑profit organizations and registered charities. To qualify, eligible employers must show that they have suffered a specified drop in revenue during the eligible period (15 per cent or 30 per cent, depending on the eligible period).  

 The weekly amount of the subsidy for qualifying employees will be the greater of:

  • 75% of wages and salary paid in respect of the week to a maximum of $847

  • 75% of pre-crisis weekly remuneration (or whatever portion thereof is paid to the employee), to a maximum of $847

The subsidy amounts will be reduced by any amount received under the (separate) 10% Wage Subsidy Program for Employers, if any, and any amounts received by the employee as a work-sharing benefit.Eligible employers will be able to apply for the CEWS through the Canada Revenue Agency's My Business Account portal.More information on CEWS eligibility, how to calculate the revenue decline and other details about the subsidy may be found at:

Go to Chapter 12: When the world returns to normal