New loans for black business owners was announced by Prime Minister Trudeau yesterday. The purpose of the loan program is to help black business owners and entrepreneurs by providing economic relief during COVID-19. The goal is to help these ones recovery and grow their businesses, and provide an economic boost. The government also feels that this is way to help curve systemic racism. So what are some of the details of the new program?
New Loans for Black Businesser Owners – Highlights
The $221-million program will receive about $93 million from the federal government over the next four years. It will receive $128 million from eight financial institutions. Here ‘s the actual breakdown from the Prime Minister’s website below:
The program will include:
-Up to $53 million to develop and implement a new National Ecosystem Fund. This will support Black led business organizations across the country. It will help Black business owners and entrepreneurs access funding and capital, mentorship, financial planning services, and business training.
-Up to $33.3 million in support through the new Black Entrepreneurship Loan Fund that will provide loans of between $25,000 and $250,000 for Black business owners and entrepreneurs. The Government of Canada is also partnering with financial institutions, including RBC, BMO Financial Group, Scotiabank, CIBC, National Bank, TD, Vancity, and Alterna Savings, to make up to $128 million available in additional lending support.
-Up to $6.5 million to create and sustain a new Black Entrepreneurship Knowledge Hub. This Hub will collect data on the state of Black entrepreneurship in Canada and help identify Black entrepreneurs’ barriers to success as well as opportunities for growth. The Hub will be run by Black-led community and business organizations, in partnership with educational institutions.
When Will This Program be Implemented?
The Prime Minister did not announce when the new loan program for black business owners will be implemented. Also, there were no details about how one would specifically apply. And there were no details on the criteria needed to qualify for the loan. And there were no details about the interest rate, repayment etc. So we will have to wait for further announcements to get more clarification. But don’t worry, as soon as we have more details to share – share it we will!
In conclusion, for many black business owners struggling from the impact of the coronavirus, it is a nice announcement to think of additional funding options. However, they will need more details and action to benefit from this program. So we’ll wait and see for now, and update you as soon as we have more information. Stay safe everyone.
Last week parliament approved the one time disability payment to Canadians with disabilities. It was part of Bill C-20 that also had the changes to the Canada Emergency Wage Subsidy program. The Canadian government says that about 1.7 million with disabilities should benefit from this program. So what are some details of this program? And how do Canadians who have disabilities apply to receive this one time payment?
One Time Disability Payment, How much?
The government of Canada’s website says that about 1.7 million Canadians can receive a one time payment of up to $600.00. Of note, this one time payment is non taxable and does not have to be reported anywhere. In a nutshell it is free money to spend as the recipients see fit. The government will move forward to start paying out on this once the bill receives Royal Assent.
How to Become Eligible to Receive the Payment?
The government of Canada’s website outlines three ways a person with disabilities can become eligible for the payment. Canadians with disabilities will have to fit in one of the three criteria the government has laid out. Here they are below:
They are holders of a valid Disability Tax Credit certificate (eligible persons not yet in possession of such a certificate would be able to apply for one up to 60 days after Royal Assent to be considered for the one-time payment).
Are currently receiving Canada Pension Plan disability benefits or Quebec Pension Plan disability benefits.
Or are in receipt of disability supports provided by Veterans Affairs Canada.
The government is hoping to help one of the most vulnerable groups to cope with the additional stresses due to COVID-19 with a non-taxable one time payment. This can be spent on whatever they need, and does not need to be tracked. During these uncertain financial times, any help that can be rendered is appreciated. Will it be enough to help Canadians during COVID-19? Only time will tell.
The Canada Student Service Grant program (CSSG) was announced a few days ago to help students who could not find a summer job. Here are some of the programs details below:
Post-secondary students will be eligible to earn up to $5,000 this summer through a new volunteer service grant.
The grant is available for a range of volunteer work, including mask making, tutoring, researching animal behaviour and designing exercise programs for seniors.
The grant will be worth between $1,000 and $5,000, depending on the number of hours completed. For every 100 hours worked, a student is eligible for $1,000, which means someone must volunteer 500 hours to receive the full grant. (This works out to receiving $10/hour of volunteer work this summer.)
Finally, the program runs until October 31, 2020.
Canada Student Service Grant, Who is Eligible?
Here are some of the qualifications needed, as outlined from a recent article:
Students and recent graduates between the ages of 15 years old and 30 years old can apply for the program.
To qualify, an individual must be enrolled part-time or full-time in a recognized post-secondary education program in the spring, summer or fall of 2020, or must have completed post-secondary studies in December 2019 or later.
Canada Student Services Grant, How to Apply?
To apply for this program, the government has launched an online platform for the program called “I Want To Help.” Once you go to this website, you can register as a volunteer. Also, you can search for organizations who are looking for volunteers in your area. This is what the website says below:
“There are plenty of service opportunities available for students looking to get involved in their community to support Canada’s response to COVID-19. By volunteering with a local organization this summer, they can gain valuable experience and obtain the Canada Student Service Grant in recognition for their service. New opportunities will be added regularly.”
The Canada Student Services Grant is more opportunity to help students during this difficult time. However, the program is limited as only 10,000 new jobs will be created. Also, volunteer prospects could be limited due to lack of variety of volunteer opportunities. Hopefully, this will increase in time. However, this program gives students another option of economic help. And having options is a good thing, especially during these stressful times.
Is it safe to fly again during the coronavirus Covid-19? I was looking through my emails and saw an email from West Jet titled “Safety Above All”. I decided to click on it and the email highlighted all the measures they are taking to ensure safety for their customers during Covid-19.
Is it Safe To Fly Again During Coronavirus Covid-19? West Jet’s safety Measures
Check-in – Their website states that their check-in will be similar as before. The change is that they will be wiping counters down with disinfectant between customers. There will also be more room between customers in line and the agents will be wearing masks. Also customers will be handling their own luggage. The website also highlights downloading their app to limit contact with surfaces during your journey.
Boarding – West Jet’s website states that Transport Canada requires everyone over the age of 2 years old to wear a face covering throughout your travel. The covering can be a non medical face mask or scarf. Regarding West Jet’s boarding policy here are the highlights of it below:
Boarding requirements policy
In compliance with Transport Canada regulations, to help prevent the spread of Coronavirus (COVID-19), we require all guests to respond to a heath questionnaire at the time of boarding.
We urge guests to respond truthfully as providing false or misleading information could result in a $5,000 fine under the Aeronautics Act.
We will conduct non-contact temperature checks at all airports
If you are displaying COVID-19 symptoms, or feeling unwell, you cannot board a flight.
If you have a medical condition which presents symptoms similar to those of COVID-19, you will need a doctor’s note or medical certificate that states your medical condition to board the flight.
If you have been ordered by provincial or territorial government or local public health to self-isolate or quarantine you will be denied boarding.
If you are denied boarding for a domestic flight, we will rebook you to travel at least 14 days after the original date.
To travel earlier, a valid medical certificate stating that you not affected by the COVID-19 virus is required.
Guests denied boarding for repatriation flights will not be re-accommodated.
During Flight – West Jet indicates they are limiting seating to ensure more space between passengers during flights. Their website also says that families who are travelling together can sit together. For flights over 90 minutes, there will be a bottle of water and a snack at your seat as you board the flight. Regarding flight attendants, they will be wearing personal protective equipment (PPE) and masks suited to their roles.
Is it Safe to Fly Again During Coronavirus Covid-19? Cleaning Procedures
Cleaning – This is probably the area of most concern for travelers when flying and West Jet has a detailed procedure from their website below:
We’ll give you a sanitization wipe for your hands or any surface you wish to wipe down, for your peace of mind.
We now clean our aircraft more extensively and more frequently. We continue to clean with aviation-approved products, including Sanicide (disinfectant) for galleys and lavatories, along with Celeste 8500 for:
general seating areas
to ensure all guest contact surfaces are thoroughly disinfected
We’ve added two additional disinfecting products to our cleaning regime–hospital-grade Clorox Wipes and Spray for:
lavatories and door handles
seat armrests and headrests
Overhead-bin door latches
The entire aircraft interior is completely disinfected using a hydrogen peroxide-based solution cleaner. Fogging allows us to thoroughly disinfect our aircraft at any time, with little disruption to our guests and operations. The new process takes approximately 15 minutes to complete and the product dissipates within 20 minutes. We’re working hard to ensure fogging can be expanded to every base we operate to as soon as possible. All WestJet 737 and Q400 aircraft are cleaned as part of their overnight cleaning and sanitization regimen.
All WestJet aircraft are equipped with an industry-leading air circulation system containing a HEPA filter, similar to what’s used in hospitals.
Not only do these filters introduce fresh air into the cabin every 2 to 3 minutes, but they also capture and filter 99.99% of all airborne particles so you can breathe a little easier.
Is it Safe To Fly Again During Coronavirus Covid-19? Conclusion
The safety measures West Jet has taken is extensive and it appears a great deal of of thought and research has gone into developing them. So is it safe to fly again during the Coronavirus pandemic? For me the answer is still no. Even though these procedures are in place, they have not been tested to ensure they keep everyone safe. In my mind to fly now would mean that I would be the Guinea pig to see if these procedures work or not. Some might say that it is worth the risk and that is their choice. In fact, I’m sure a lot of people will decide to give air travel a try again.
However, for my family the risk is too high. The reality is that we are in a once in a generation pandemic in which there is no cure or vaccine as of yet. And worldwide, COVID cases are still growing. Not only would I be concerned about the actual air travel, but also getting stuck somewhere else if a lockdown was called again.
Will I travel again? Of course! But until the world gets a handle on Covid-19 or there is a reliable vaccine, my travel will be limited. Stay safe!
**Update Regards to Seating as of July 1, 2020**
Both Air Canada And West Jet will be offering every seat for sale on their flights as of July 1, 2020. This will end their physical distancing measures on their flights. As a result many people who booked flights with the airlines are now demanding refunds as they felt misled to believe that there would be no one in the middle seat. Regarding if this step is safe, here’s a quote from a recent CTV article below:
While Transport Canada recommends physical distancing on flights to prevent the spread of COVID-19, it’s not law.
“On WestJet’s website, the airline states that they decided to end the blocking off of adjacent seats because they are following the International Air Transport Association’s (IATA) guidance for global health and safety.
They say IATA’s guidelines support removing physical distancing because they are already providing other protections against the virus, such as HEPA filters to clean recirculated air, airflow being directed up instead of forward or backward, and “the physical barrier of seat backs.”
The IATA, Lukacs pointed out, is not a health organization, but an airline association, which he says is serving the financial interests of airlines.”
Is it Safe to Fly Again During Coronavirus, Updated Conclusion
To sum things up, Coronavirus is very contagious and unpredictable. However, the one thing we know is that physical distancing is a strong defense against the virus. Especially if you are inside a building or an enclosed area for any length of time. In my opinion, the airlines are playing Russian Roulette with solely focusing on short term financial gain at the cost of long term pain. It is a risky proposition because more people can become sick. Also, there is more chance to keep spreading the virus all over the country and beyond.
Think about, how did covid-19 get here? It got here from flights, so logically the first line of defense to slow the spread is to put strong safety measures on flights. Air Canada’s and West Jet’s decisions to allow seating in the middle seat does not do that at all. And that is why I will not be flying anytime soon. Stay safe.
How do I apply for the CECRA for small businesses? What is the CECRA program? The Canadian government just announced more emergency measures for small businesses to help weather Covid-19. However, this time the focus is on helping commercial landlords. Let’s explain this new program.
How Do I Apply For the CECRA – What is it?
CECRA stands for Canada Emergency Commercial Rent Assistance for small businesses. The goal of the program is to provide rental relief for small businesses. The government achieves this by providing forgivable loans to commercial landlords as an incentive to lower rents for their tenants.
How Do I Apply For The CECRA – How Does it Work?
First, the commercial landlord goes into an agreement with their tenant(s) to reduce their rent to 25% of normal rate for three months (April 2020 , May 2020, June 2020). The landlord will then take a loan from the Government of Canada to cover the other 75% for this time frame. If the landlord and tenant meet the program’s criteria, the landlord can have 2/3 of his/her loan forgiven. What does this mean in layman’s terms?
Suppose a landlord had a tenant who was paying $20,000 in rent each month. If the landlord wanted to be part of this program, they would go into an agreement to reduce their rent by 75% for April, May and June. This means the tenant would only pay $5000 per month for these three months. The landlord would then take a loan for $15000 per month for the three months from the government or $45000 in total. The landlord then can potentially have $10000 per month of the loanforgiven or $30000.
So what does this mean? it means that landlord will receive 75% of the required rent for these 3 months instead of 100%. The tenant will only pay 25% of their rent for same period. This means the landlord will incur a 25% loss in rent this time frame. But this amount is covered by the loan in which they pay back. Why would landlords choose to do this?
What is the Incentive for Landlords?
The government is banking on 3 reasons that landlords will apply for the programs. Here is a summary of the reasons from the Canada Mortgage and HousingCorporation whom the government is using to administer this program.
There is an incentive of getting a government loan where potentially 2/3 of it could be forgiven.
The landlord is guaranteed at least 50% of your rent for the months of April, May, and June. This is huge considering the alternative could be receiving NOTHING in rent if businesses can’t afford to pay.
Finally, eviction and finding new tenants can be an expensive and time consuming process that could be very costly. So, perhaps landlords can prevent this altogether.
How Can I Apply For The CECRA Program?
You will need to go to the CMHC website. However, the application portal for this program will not be open until Monday May 25, 2020 at 8:00 am eastern time. And then the government will take a staggered approach for applying due to the expected high volume. Here’s the schedule from the the CMHC website below:
NOTE: Once registered, the portal will be available 24/7 for applicants to input data and upload documents.
Who should register?
Property owners who are located in Atlantic Canada, BC, Alberta and Quebec, with up to 10 tenants who are eligible for the program
Property owners who are located in Manitoba, Saskatchewan, Ontario and the Territories, with up to 10 tenants who are eligible for the program
All other property owners in Manitoba, Saskatchewan, Ontario and the Territories
All other property owners in Atlantic Canada, BC, Alberta and Quebec
What Information Will I Need to Apply For the CECRA Program?
There are a few pieces of information you will need to give to apply for the program. Here are a list below from the the CMHC website:
Tenant or Sub-tenant’s Attestation (sample PDF): Property owners must have each of their eligible commercial small business tenants and/or subtenants sign an attestation. The Tenants are responsible for attesting to their eligibility with the program requirements.
Property Owner’s Attestation (sample PDF): Property owners must sign an attestation. This confirms the information relating to the property owner and the property provided in the application is correct. And it attest to their eligibility with the program requirements.
Rent Reduction Agreement (sample PDF): All application documents will be accessible on May 25, 2020. Property owners must enter into a legally binding rent reduction agreement with each impacted tenant. And confirm the rent reduction in accordance with the program terms and conditions. This agreement is conditional upon final approval of the application for CECRA for small businesses.
You’ll also need to provide the following information:
Property owner information
Property information includes: property address, property type, property tax statement, latest rent roll for each property and the number of commercial units
Applicant information includes: banking information, property owner contact information, co-ownership information and contact details for co-owners
Tenant information includes: tenant contact information, registered business name, lease area and the monthly gross rent for the period of April, May and June 2020
The CECRA program is a very detailed program. If you think you might want to apply, please go to the CMHC website and read it carefully. However, the amount of information provided could be overwhelming. Hopefully this summary helps you in understanding the program better. Which is important because this is a big decision to make and the stakes are high. Stay safe everyone.
On May 12, 2020, the Canadian Government announced additional support for seniors during covid-19 to help them offset the increased cost of living resulting from the pandemic. Also announced was measures to help seniors deal with isolation and improve their quality of life. Finally, there was an extension of payments and allowances for seniors. Let’s take a look at each one of these new supports one by one.
Additional Support for Seniors During Covid-19, One Time Tax free Payment
The prime minister announced a one time tax-free payment of $300 for seniors eligible for the Old Age Security (OAS) pension, with an additional $200 for seniors eligible for the Guaranteed Income Supplement (GIS). This would give a total of $500 to individuals who are eligible to receive both the OAS and the GIS. The goal is to help seniors cover increased costs caused by the pandemic.
Additional Support for Seniors During Covid-19, Additional Funding to New Horizons for Seniors Program
The Government also announced that it is investing an additional $20 million dollars into the New Horizons for Seniors Program. The is to help support organizations that offer community based projects that help reduce isolation, improve the quality of life for seniors, and help them maintain a social support network.
Additional Support for Seniors During Covid-19, Extension of Allowance Payments
The government is temporarily extending seniors’ GIS and Allowance payments even if their 2019 income information has not been assessed. This will ensure that the most vulnerable seniors continue to receive their benefits. Also, seniors are encouraged to submit their 2019 income information as soon as possible and no later than by October 1, 2020. By doing so, they will avoid an interruption of benefits.
The government is trying to help the most vulnerable people affected by this pandemic and many seniors definitely fall into this category. The latest measures announced are a way to address this and hopefully many seniors can apply and will be helped by this. Even if the amounts are small, it is all a help. As the old saying goes, every little bit helps.
Wondering what the Canada Emergency Student Benefit is? It is an important question to answer if you are a student. As a student, you’re likely wondering how you can earn money this summer during this pandemic. On April 22, 2020, the government outlined a program to help these students in this situation.
What is the Canada Emergency Student Benefit Program?
It is a relief program proposed by the government of Canada to help post-secondary students who aren’t able to find full-time employment or cannot work due to COVID-19. Also, if they are not eligible to receive either Employment Insurance benefits (EI) or the Canada Emergency Response benefits (CERB). Many post-secondary students are not eligible for either of these programs as they have not worked enough to qualify.
How Much Do You Get and For How Long?
Students who qualify would receive $1250 per month for up to 4 months (May 2020 to August 2020). If the student has a disability or has dependents, they can receive an additional $750 per month.
Canada Emergency Student Benefit Program, Who is Eligible?
Students who are enrolled in a post-secondary education program leading to a degree, diploma, or certificate.
Students who ended their studies or graduated no earlier than December 2019.
High-school graduates who have applied for and will be joining post-secondary programs in the coming months.
Canadian students studying abroad meeting one of the above criteria.
When Can I Apply? Update!
You can apply for the program starting on May 15, 2020 at 6 am Eastern time. For more details on how to apply and inputting an online application please go to the Government of Canada’s website.
When Will I Get Paid?
The most important question of course! The Government of Canada’s website says that if CRA has your direct deposit information, your payment will take 3business days. If not, then a cheque will take about 10 business days.
The Canada Emergency Student Benefits Program is a way to help the many students who cannot find employment. It helps close the gap of students who don’t qualify for Employment Insurance or the Canada Emergency Response Benefits Program. Hopefully the program will be up and running shortly. When we get more details, we will update this page with further information.
You might be wondering what is the Canada Emergency Wage Subsidy Program (CEWS) all about? It is an important question because many business owners are suffering right now due to COVID-19. They want to remain open and keep their staff employed, but many do not understand the specifics of this program that is supposed to help them. Let’s provide some clarity to this program.
What is the Canada Emergency Wage Subsidy Program (CEWS)?
It is a wage subsidy program for businesses whose revenues have been negatively affected by the coronavirus outbreak. The amount of the wage subsidy is 75% of employees wages for a 12 week period from March 15, 2020 to June 6, 2020. The purpose of the subsidy is to rehire previously laid off workers as a result of Covid-19 to prevent further job losses and put businesses in a better position to recover after the crisis passes. For more information, go to the Government of Canada’s website.
Canada Wage Emergency Subsidy Program (CEWS): Who is Eligible?
In a nutshell you eligible for this Government of Canada program if you are an employer who has experienced a reduction in revenue and had a CRA payroll account on March 15, 2020. The Government of Canada’s website has a list of eligible employers but the only ineligible employers appear to be public institutions such as municipalities and local governments, Crown corporations, public universities, colleges, schools and hospitals.
You Must Also Have an Eligible Reduction
Besides being an eligible employer, you must also have an eligible wage reduction. What is that? You are basically comparing your normal monthly revenue with the the 3 months affected by Covid-19 (March 2020, April 2020, May 2020). However, there are 2 choices to choose from to use as your normal monthly revenue. (This refers to pre-coronavirus revenue.)
Option 1 is to use your revenue from the corresponding month of the previous year. This means you would use March 2019 as your normal revenue period and compare it with March 2020 and there should be a revenue drop of at least 15% to be eligible for that period. You would then use April 2019 and compare with April 2020 and there should be a revenue drop of 30% to be eligible for that period. Finally, you would use May 2019 and compare with May 2020 and there should be a revenue drop of 30% to be eligible for that period.
Option 2 is that you take the average monthly revenue for January and February 2020 and compare this with March 2020, April 2020, and May 2020. You would be eligible for subsidy for a particular month if there is a reduction in revenue of at least 15% in March, 30% in April, and 30% in May.
Here’s is a warning, however. Whatever option of comparing revenue you choose, you have to stick to using that option when calculating the revenue reduction of each month. You cannot switch between options.
Who are Eligible Employees for the Canada Emergency Wage Subsidy Program ?
They are employees hired by you and who have not been paid by you for less than 14 consecutive days. Employees whom you have laid off can become eligible if you rehire and retroactively pay them. You must do this before you can include them in your calculation of the wage subsidy.
How to Calculate the Wage Subsidy?
At the Government of Canada’s website, there is an Excel spreadsheet and a calculator to help you calculate this amount. It is based on the following information below:
If neither are an option for you, use the Web Forms application with your web access code. If you do not have a web access code, you will need to provide the date of registration or the total income tax reported in box 22 of the most recent original 2018 tax year submitted T4 summary.
The government’s website says that you can get paid within 10 days of applying if you have direct deposit. If you are getting paid by cheque, this will take a bit longer.
Also of note, the Canada Wage Subsidy is taxable and therefore you will have include it on your tax return as taxable income.
The Canada Emergency Wage Subsidy Program may appear to be a complicated and detailed program to apply for. However, it could be very beneficial as it helps you cover most of your employees’ wages for a 3 month period. One benefit is that you can get money fairly quickly once you apply. It is something that businesses in Canada should seriously look into. Because it could make the difference between staying open and closing for good.
PC Express grocery pick-up during Covid-19, sounds like an interesting idea. Because right now we live in a world of social distancing to prevent the spread of the virus. With PC Express, you do not even have to enter the grocery store. All you do is place your order for groceries online, pick an available pick up date and go to one of the designated parking spots to pick up your groceries. You don’t even have to get out of your care as they will even load your groceries into your trunk if you pop it open for them. Sounds like an awesome way to do your grocery shopping during the pandemic. My wife and I thought we’d give it a try.
PC Express Grocery Pick-Up During Covid-19 – Expect Delays
Last weekend my wife placed our order online to PC Express and as expected pick up times were filling up fast. We expected this as we assumed many would try this. However, there was one slot available – a pick up time of Wednesday at 6 pm and we took it.
A few days later, on Tuesday Superstore sent us an email that our order could be delayed a day or more and they would contact us once our order was ready. We had no problem with this as we knew they would be busy and actually appreciated the email letting us know. We weren’t in a rush to get the groceries. Two days later on Thursday we got another email message stating that our order was ready to be picked up. I got ready and went to Superstore to get our groceries.
PC Express Grocery Pick-Up During Covid-19 – Things Get a Bit Chaotic
As I got to Superstore the first thing I noticed was that the place was packed with cars! I think the sunny day was partly to blame for this. As I drove to the PC Express stalls (they had 8 marked stalls), I noticed all of them were filled with cars, all with their trunks open waiting for their groceries. I also noticed over a dozen other cars around these stalls with their trunks open waiting to pick up groceries. Immediately I thought, “Houston, we might have a problem”.
I found a parking stall as close as I could to the PC Express ones and then called the phone number that had been given to me in the email. As soon as I finished dialing the number, I immediately was given the message, “the phone call you attempted has failed”. That was weird, so I tried to call again a few more times and got the same message. I then called my wife at home and asked her to call from her end. She could not get through as she got a busy signal. We both kept trying. My wife finally got through and was told to leave a number to be contacted later. She did and as soon as she did she got cut off. Not knowing what to do, I decided to go in the store.
PC Express Grocery Pick-Up During Covid-19 – Things Get a Bit Unsafe
I went to customer service and was directed to the PC Express area, which were by the check out aisles. As I got to the area, there were grocery carts full of food everywhere and I assumed that these were all the pending PC Express orders. By these carts was the PC Express area. It was a small room about the size of a small bedroom. There was a large fridge and groceries in there along with about four people working feverishly in it. All of them looked completely overwhelmed. I felt for them. Unfortunately, only one person had a mask on. The rest did not. Also, they were working pretty much shoulder to shoulder, so social distancing was not being practiced. But how could it be? The room was way too small for it.
I managed to talk to one of the workers and tried to keep my distance (fortunately I was wearing a mask, googles and gloves) and explain my situation. He was at least wearing gloves. He took my license plate number and make of my car and told me to pop my trunk and expect a long wait. I went back to my car and waited.
After a Long Wait, Go into the store again
I waited for an hour in the car and tried the number a few more times but to no avail. So I decided to go back in again to check the status of my order. As I got to the PC Express area there were still a lot of carts with food parked. There were also a few people lined up to talk to PC Express and I lined up behind them trying to keep my distance between people. One person beside me had a mask on which gave me a little relief.
However, we were lined up in the area where people exit the check out aisles. Also, the PC Express carts with food were also in the area and all of a sudden, things were very congested. There was no chance of practicing safe social distancing, as we were constantly moving to avoid people leaving with their groceries. It was a bit unnerving.
No End In Sight
As I got closer to the front of the line, the person in front of me said that her original pick up date had been Tuesday. At that point, I realized that I might have a long wait yet. When it was my turn to talk to the employee , she said that there were 7 or 8 orders ahead of me and that once they got to me that they would then make my order. I thought that was weird as the email they sent me said that my order was ready. At this point I started to feel a bit angry.
I asked if could just take my order myself. She said that I would have to wait and when I asked how long – she said she could not tell me. She had no idea how long it would take. I tried to explain to her that I’d been there an hour ago asking the same questions. She said she was just there helping out. No further help was provided.
Time to Flee!
I then realized “This is not right!” Here I am talking to this poor stressed out lady who is trying to help. She’s not wearing a mask and has no gloves on. We are only standing three feet apart. The people in the PC Express department behind her weren’t wearing protective wear, and were way too close and are touching people’s grocery orders. The people beside me were way too close and the people going by us wee way too close. Not good!! We were all in danger.
Why would Superstore overbook their pick up Service so much? Why would they not provide their employees with protective wear? And why did we have to line up in a main exit for customers?
I realized right there and then that I had to leave and protect myself and my wife at home, as staying there longer increased my danger of getting infected. I said to the lady to cancel my order immediately and I left as quickly as I could and went home. When I got home, I immediately took off the clothes I was wearing put them in the storage room (our sort of decontamination zone) and took a shower and calmed myself down.
I would not use PC Express grocery pick-up during Covid-19. It is way too risky. They don’t have enough space, manpower, or organization to make this work safely during the Covid-19 pandemic. You would be safer just going into Superstore and shopping yourself. Or even safer, just go somewhere else to shop. (A place that is smaller and far less busy.) I do have a friend who says the service is great but she shops at a different location than the one I went to. I was pretty freaked out by the experience.
Also, yesterday the news reported that the location I went to has a case of Covid-19 with one of their employees. The employee hasn’t been to work since April 12th but I wasn’t surprised in the least based on my experience. I really hope that Superstore improves their PC Express service – in particular at this location. Because people’s health and lives are at risk. However, I am not going to take the chance to find out. Instead I will be shopping somewhere else where I feel safer. Stay safe everyone.
Will CPP payment dates change during the coronavirus pandemic? It is a logical question to ask as the government is currently involved deeply in “The Canada Emergency Response Benefit” program. This CERB program helps individuals who’ve lost their jobs because of Covid-19. The CERB also helps business owners with grants and loans. As a result, Canadians on CPP might be concerned that this will affect their payments. Will their payments be affected? Will the dates they will receive their payments change? The answer is no.
CPP Payment Dates Stay the Same
Here’s what the federal government’s website has to say regarding this issue: “If you receive federal benefits, including some provincial/territorial benefits, you will receive payment on these dates. If you set up direct deposit, payments will be deposited in your account on these dates.”
Here are the CPP payment dates below for the rest of 2020. This includes the Canada Pension Plan (CPP) retirement pension and disability, children’s and survivor benefits.
January 29, 2020
February 26, 2020
March 27, 2020
April 28, 2020
May 27, 2020
June 26, 2020
July 29, 2020
August 27, 2020
September 28, 2020
October 28, 2020
November 26, 2020
December 22, 2020
If Applying for CPP, Apply Online Due to Covid-19
If you are applying for your Canada Pension, the government strongly suggests you apply online as the process has been simplified to make it easier for you. Notice what the government’s website says about this below:
An important note for people applying for Canada Pension Plan, Canada Pension Plan Disability or Old Age Security.
Due to the COVID-19 pandemic, Service Canada is strongly encouraging you to apply for these benefits online, from the comfort of your home. You will not be required to submit documentation to support your application at this time. Service Canada may be requesting these documents at a later date, but in the meantime, we can begin working on your application.
CPP payment dates will not change amid Covid-19, and that is a relief for many Canadians who depend on these payments. The coronavirus has brought a lot of anxiety to many people, especially our seniors so at least this is one less thing to worry about. And that is definitely a good thing!