We’ll continue updating this page with resources and information as new details emerge on how Canadian leaders and businesses are responding to COVID-19.
On 11 March 2020, the World Health Organization (WHO) declared a pandemic for the coronavirus known as COVID-19.
So, what does “pandemic” mean? The WHO defined a pandemic as “the worldwide spread of a new disease”, in relation to the previous swine flu (H1N1) pandemic in 2009-10. The COVID-19 outbreak is the first pandemic caused by a coronavirus. According to WHO director-general, Dr Tedros Adhanom Ghebreyesus, this classification “does not change WHO’s assessment of the threat posed by this virus”. He also said that:
“Pandemic is not a word to use lightly or carelessly. It is a word that, if misused, can cause unreasonable fear, or unjustified acceptance that the fight is over, leading to unnecessary suffering and death.”
According to Meredith MacLeod at CTVnews.ca, “Declaring a pandemic doesn’t grant the WHO additional powers, but it indicates the health authority no longer believes the disease is containable within a specific region or regions. It also signals that countries should shift to focusing on coping with COVID-19, rather than containment measures, such as restrictive traveller screening and quarantines.”
How is a pandemic different to an epidemic?
A pandemic refers to the worldwide spread of a disease, while an epidemic is an infectious disease outbreak that is typically within one country or geographic area. In basic terms, an epidemic is more isolated, while a pandemic occurs on a global scale.
How the “pandemic” status affects Canada: Lockdown and social distancing
Canada was placed in mandatory lockdown on March 18, 2020 as per measures enacted by both the federal and provincial/territorial governments to halt the spread of coronavirus. Canadians abroad were urged to return home, those already home were forbidden from leaving and everyone was (and still is) encouraged to practice social distancing. This means keeping at least 2 metres, or roughly 6.5 feet, away from others).
In the time leading up, individual cities and provinces, such as Ontario, declared a state of emergency and banned both public and private gatherings of more than a limited number of people (usually between 10 and 50).
Canadian Prime Minster, Justin Trudeau, delivers regular updates to the public detailing support measures the government is taking, financial relief options and more. As part of the government’s efforts to understand the virus and its impact, an Incident Response Group on coronavirus was convened and began meeting at the end of January. On March 5, the Prime Minister created a Cabinet Committee on the federal response to the coronavirus disease (COVID-19), which meets regularly “to ensure whole-of-government leadership, coordination, and preparedness to limit the health, economic and social impacts of the virus.”
Is the lockdown over?
Not quite, although it has eased up in some parts of Canada. As of late April, 2020, talks began within provincial governments regarding plans to begin reopening the economy. Prime Minister Trudeau confirmed this in a speech delivered April 28, 2020 when he said, “Shortly, we will be releasing the shared principles on restarting the economy, agreed to by the federal, provincial, and territorial governments.”
Reopenings are happening in phases across various regions within each province. Each phase allows for certain types of activities to resume and certain types of businesses to reopen with continued restrictions (such as mandatory face mask usage, social distancing and outdoor-only seating areas).
Provincial and territorial governments have taken the lead on determining which areas continue to be high risk and which can afford to ease up on some restrictions. Visit your provincial government website for more information.
The Canadian government’s COVID-19 Economic Response Plan
Perhaps of highest concern to many Canadians is the federal government’s Canada’s COVID-19 Economic Response Plan announced on March 18, 2020, which includes billions of dollars in relief funds for individual Canadians and businesses alike.
Financial assistance for people affected by the coronavirus
The new Canada Emergency Response Benefit will provide a taxable benefit of $2,000 a month for up to 4 months to:
- Workers who must stop working due to COVID-19 and do not have access to paid leave or other income support. This includes seasonal workers whose employment has been cancelled due to the virus.
- Workers who are sick, quarantined, or taking care of someone who is sick with COVID-19.
- Working parents who must stay home without pay to care for children that are sick or need additional care because of school and daycare closures.
- Workers who still have their employment but are not being paid because there is currently not sufficient work and their employer has asked them not to come to work.
- Wage earners and self-employed individuals, including contract workers, who would not otherwise be eligible for Employment Insurance.
- People whose regular EI benefits have recently ended but who still need help due to the impact of coronavirus.
People making $1,000 per month or less can apply. Application for this benefit is available as of April 6th 2020. You’ll need to re-attest every 2 weeks after that to reconfirm your eligibility.
You can apply through your CRA MyAccount or by calling 1-800-959-2019 or 1-800-959-2041. You’ll need your Social Insurance Number (SIN) and postal code to verify your identity over the phone. Funds will be delivered 10 days after your application by cheque or through direct deposit.
The rest of the government’s relief plan includes:
- A 6-month, interest-free reprieve on student loan payments.
- Monthly payments of $1,250 from May-August for students and recent graduates who make $1,000 or less per month. If you have a disability or are taking care of someone, you could get $1,750 per month. (Recipients must be current post-secondary students, planning on attending school in September 2020 or must have graduated as of December 2019.)
- A temporary boost to Canada Child Benefit payments, delivering about $2 billion in extra support.
- Doubling the homeless care program.
- Extending the tax filing deadline to June 1.
- Allowing taxpayers to defer until after Aug. 31 tax payments that are due after today and before September.
- $305 million for a new Indigenous Community Support Fund to address immediate needs in First Nations, Inuit and Métis Nation communities.
Breakdown of Canada’s COVID-19 Economic Response Plan: Benefits you may qualify for and how to apply
What’s important to remember right now is that the WHO, along with governments around the world, have already put plans in place to help protect people. Businesses are also releasing updated policies and approaches to help customers during the outbreak.
How to stay safe during the coronavirus outbreak
The WHO has outlined a number of recommendations to help protect yourself and others, including:
- Wash your hands often. Washing your hands thoroughly with soap and water helps kill the virus. If you don’t have access to soap and water, use an alcohol-based hand rub or hand sanitiser.
- Avoid touching your face. Our hands touch many different surfaces, which means they could pick up the virus from an exposed surface. If that happens, touching your eyes, nose or mouth could increase the risk of the virus entering your body.
- Practice social distancing. Where possible, keep at least 1 metre between you and anyone who is coughing or sneezing.
- Cough and sneeze into your elbow or a tissue. This helps stop small droplets from spraying on people or surfaces. If you use a tissue, remember to put it in a bin and wash your hands as soon as possible.
- Seek medical care if you have a fever, cough or difficulty breathing. If you suspect you may be infected, use this self-assessment tool from the government of Canada and it will guide you through what to do.
- Stay informed. Check the Government of Canada website or other official sources, rather than relying on news or social media. Your workplace, schools, gyms and other public places you frequent may also have specific guidelines in regards to COVID-19.
- Downloand the COVID Alert app. On July 31, 2020, the federal government released the COVID Alert app (for Android and iOS). This non-mandatory app lets users report if they’ve tested positive for COVID-19 and anonymously notifies people nearby that they may have been exposed. Currently, only residents of Ontario can use the app to report their test results, but soon this functionality will be extended across Canada (the exact date has not yet been announced).
For further details, visit the World Health Organization website.
How is the pandemic affecting other areas of life?
Beyond health concerns, some of the biggest impacts related to the coronavirus include:
Travel and travel insurance
If you have travel plans or still want to go away, you may be able to make changes to your dates or destinations as many travel companies have updated their policies in light of the coronavirus outbreak. It’s also worth checking out whether you’re covered by travel insurance, as most insurers won’t cover you for a known event.
To help minimize the spread of COVID-19, restrictions have been placed on public events and gatherings over a certain size. Already, a number of major events have been cancelled. You can read about the list of sports events that have been cancelled, relocated or postponed here. Check the government’s website for the latest alerts and advice on prevention and social distancing.
Investments and superannuation
While there are many contributing factors, it is worth noting that the coronavirus outbreak has been a major influence on the latest stock market crash. If you have investments, this is something to consider carefully before deciding what to do. It is also worth looking at the potential effect it could have on your superannuation – although there shouldn’t be too much of an impact in the long term for a well-diversified portfolio.
Coronavirus (COVID-19): Stocks to buy and how to invest
Fear and uncertainty have driven many people to stockpile toilet paper and other everyday items. This type of panic buying can put certain groups of people at a disadvantage and lead to stock problems or higher prices. Supermarkets have now put limits on staples advising people to only buy what they need. Remember: if you need toilet paper and can’t find any in a shop, you could also try looking online.
As this situation is being updated frequently, many other changes could occur. While there are lots of unknowns, the WHO has said the situation could improve if countries act now.
“We cannot say this loudly enough, or clearly enough, or often enough: all countries can still change the course of this pandemic,” Dr Tedros Adhanom Ghebreyesus said in his media briefing on 11 March 2020.
“If countries detect, test, treat, isolate, trace, and mobilize their people in the response, those with a handful of cases can prevent those cases becoming clusters, and those clusters becoming community transmission. Even those countries with community transmission or large clusters can turn the tide on this virus.”
Quick action on the part of the Canadian government has started to flatten the curve of cases and deaths due to COVID-19 in some regions. Provincial and federal governments have started talking about next steps, but there’s still a ways to go before life can return to normal.
Keep up-to-date on all things related to COVID-19