The Government of Canada introduced multiple temporary social security and financial aid programs in response to the economic impacts of the COVID-19 pandemic in Canada . The initial CA$ 82-billion aid package was announced on March 18, 2020 by Justin Trudeau .
95-489: BCAP may refer to: Business Credit Availability Program , a Canadian government subsidy programme in light of the COVID-19 pandemic Broadcast Committee of Advertising Practice , a United Kingdom regulatory body that oversees standards in advertising on British radio and television Building Codes Assistance Project , a United States non-profit organization that advocates for
190-459: A benefit of 50% of the minimum wage to supplement the employee's income. The UI also provides financial assistance and capacity-building programs for unemployed or disabled individuals who want to start their own businesses. Armenia also has a Paid Public Works program that provides jobseekers and the disabled with temporary public employment for three months. In Australia , social security benefits, including unemployment benefits, are funded through
285-400: A break to care for dependents (a child below 12 years of age or a disabled family member). The benefit only applies if schools and care centres are closed, or the dependent fell sick, or contracted COVID-19. Individuals who have travelled internationally are not eligible to receive the benefit for any period where they are not working due to mandatory quarantine requirements. In October 2021,
380-465: A counterpart to CERB to help students. Students who cannot find employment or are unable to work due to the COVID-19 pandemic are eligible for CA$ 1,250 per month from May through August 2020. CESB applicants with a disability or caring for dependents receive an additional $ 750, increasing their monthly amount to the equivalent of a CERB payment. On October 12, 2020, the federal government rolled out
475-578: A day since 1994, and there have been calls to raise this by politicians and NGO groups. On 22 February 2021, the Prime Minister of Australia, Scott Morrison , announced that the JobSeeker base rate would be increased by A$ 50 a fortnight from April 2021. It is also intended to increase the threshold amount recipients can earn before their payment starts to be reduced. The system in Australia
570-493: A degree and two years of full-time work. The latter requires participation in training, education, or other employment support, which may be mandated on pain of losing the benefit, but may be paid after the regular benefits have been either maxed out or not available. Although the unemployment funds handle the payments, most of the funding is from taxes and compulsory tax-like unemployment insurance charges. Regardless of whether benefits are paid by Kela or from an unemployment fund,
665-639: A form of unemployment benefits. This includes all 37 OECD countries. Among OECD countries for a hypothetical 40-year-old unemployment benefit applicant, the US and Slovakia are the least generous for potential benefit duration lengths, with PBD of six months. More generous OECD countries are Sweden (35 months PBD) and Iceland (36 months PBD); in Belgium, the PBD is indefinite. Armenia 's Unemployment Insurance (UI) scheme has been in force since 1991. In 2005, Armenia adopted
760-458: A maximum of $ 5000. The decision to contract administration of the program to WE Charity was controversial, leading to a political scandal and ultimately the cancellation of the program. 35,000 students and recent graduates had applied for the program. The Government of Canada gave a special one-time, tax-free non-reportable payment of $ 600 for people with disabilities on October 30. The money would be available for those who already possessed
855-510: A new income support program, the Canada Recovery Benefit ( CRB ), designed to support those who do not normally qualify for EI (for example, the self-employed ). The benefit paid a pre-taxed (at 10%) $ 500 per week for up to 38 weeks; over 240,000 Canadians applied to the program on its first day of launching. To be eligible Canadians must have been unemployed or have had a 50% reduction in average weekly income compared to
950-411: A parent or parents, the basic rate is A$ 91.60 per week. For over-18- to 20-year-olds living at home this increases to A$ 110.15 per week. For those aged 18–20 not living at home the rate is A$ 167.35 per week. There are special rates for those with partners and/or children. The second kind of payment is called ' JobSeeker Payment ' (called Newstart until 20 June 2020) and is paid to unemployed people over
1045-462: A percentage of the applicant's former income. A typical replacement percentage is 50–65%. Some countries offer much higher levels of wage replacement, such as the Netherlands (75%), Luxembourg (80%), and Denmark (90%). There are often caps on the maximum benefit level, ranging from 33% of a country's average wage (Turkey) to 227% of its average wage (France). The average maximum benefit level
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#17327799690241140-401: A report on April 30, 2020 projecting the federal deficit for fiscal year 2020 could be in excess of $ 252 billion, based on nearly $ 146 billion in spending on federal aid measures. In a fiscal update tabled on July 8, Minister of Finance Bill Morneau projected that the deficit for the 2020 fiscal year will reach $ 343.2 billion. Most federal aid during the COVID-19 pandemic came in
1235-519: A sharp fall in Liberal support in the Atlantic provinces in the 1997 election . In 2001, the federal government increased parental leave from 10 to 35 weeks, which was added to preexisting maternity benefits of 15 weeks. In 2004, it allowed workers to take EI for compassionate care leave while caring for a dying relative, although the strict conditions imposed make this a little used benefit. In 2006,
1330-416: A sliding scale function of the applicant's past employment history and age, or it may be a set length for all applicants. In Argentina, for example, six months of work history results in a PBD of two months, while 36 months or more of work history can result in a PBD of a full year, with an extra six months of PBD to applicants over the age of 45. Most countries calculate the amount of unemployment benefit as
1425-504: A subject in cases before the Federal Constitutional Court . The possibility of sanctions cutting someone's benefits to zero was declared unconstitutional in 2018. In July 2022 Germany's government implemented a one-year moratorium on sanctions, permitting only a 10% cut for repeatedly missing appointments ( Meldeversäumnis ). This measure was taken as a precursor to restructuring type II unemployment benefits into
1520-633: A valid Disability Tax Credit certificate, those receiving Canada Pension Disability or Quebec Disability Pension benefits, or those receiving disability support from Veterans Affairs Canada . On June 2, 2020, the Canada Revenue Agency announced a tip line for reporting suspected fraudulent CERB recipients. As of June 3, the CRA announced it had received 600 tips and had received 190,000 voluntary repayments of CERB from Canadians who were not entitled to receive them. On June 8, legislation
1615-495: A waiting period before being able to receive benefits. In the US, there is no waiting period on a temporary basis currently due to the COVID-19 pandemic, but in many states there is a waiting week. In Germany and Belgium, there is no waiting week. The current waiting period in Canada is seven days. Countries implement varied potential benefit durations (PBD), which is how long an individual is eligible to receive benefits. The PBD may be
1710-440: Is 77% among OECD countries. Most benefit payments are constant over the course of the PBD, though countries such as the Netherlands, Sweden, Hungary, Slovenia, Spain, and Italy have a declining benefit path, in which the wage replacement percentage decreases over time. Most countries require those receiving unemployment benefits to search for a new job, and can require documentation of job search activities. Benefits may be cut if
1805-614: Is a program created by the Government of Canada to provide financial support for businesses during the COVID-19 pandemic and prevent large layoffs . CEWS allows eligible employers to receive a 75% subsidy on each of their employees' wages (up to their first $ 58,700) for 12 weeks retroactive to March 15. The CEWS is targeted "at businesses with revenue declines of at least 15 per cent in March, and 30 per cent in May and June." The program
1900-581: Is designed to support recipients no matter how long they have been unemployed. In recent years the former Coalition government under John Howard has increased the requirements of the Activity Agreement, providing for controversial schemes such as Work for the Dole , which requires that people on benefits for six months or longer work voluntarily for a community organisation regardless of whether such work increases their skills or job prospects. Since
1995-759: Is informally called "being on the dole". "Dole" here is an archaic expression meaning "one's allotted portion", from the synonymous Old English word dāl . In Australia, a " dole bludger " is someone on unemployment benefits who makes no effort to find work. The first modern unemployment benefit scheme was introduced in the United Kingdom with the National Insurance Act 1911 , under the Liberal Party government of H. H. Asquith . The popular measures were introduced to stave off poverty inflicted through unemployment, though they also gave
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#17327799690242090-523: Is no government contribution to this fund. The amount a person receives and how long they can stay on EI varies with their previous salary, how long they were working, and the unemployment rate in their area. The EI system is managed by Service Canada , a service delivery network reporting to the Minister of Employment and Social Development Canada . A bit over half of EI benefits are paid in Ontario and
2185-610: Is no recognition of professional qualifications: An academic has to join the menial workforce, regardless of the fact that their potential might be wasted in that industry. Neither are one's personal religious or ethical concerns relevant: Prostitution is legal in Germany (although as of 2021 no job centre has urged any beneficiary to engage in prostitution). In exchange for that, beneficiaries are assisted in that process, e.g. by reimbursing travel expenses to interviews, receiving (free of charge) training in order to increase their chances on
2280-527: Is not a requirement. Due to wage dumping and other labour market dynamics, a large number of working beneficiaries supplement their monthly income. They have the same obligations as non-working beneficiaries. People receiving benefits are obligated to cease their eligibility at all costs, but at least minimise their dependence on welfare until no money would be paid. That means, they are obliged to seek for jobs nationwide, and accept every job offered, otherwise sanctions (retrenchment) may be applied. There
2375-510: Is paid to young people aged 16–20 (or 15, if deemed to meet the criteria for being considered 'independent' by Centrelink). Youth Allowance is also paid to full-time students aged 16–24, and to full-time Australian Apprenticeship workers aged 16–24. People aged below 18 who have not completed their high school education, are usually required to be in full-time education, undertaking an apprenticeship or doing training to be eligible for Youth Allowance. For single people under 18 years of age living with
2470-595: Is responsible for 3 benefits: ARE, ACA and ASR The main ARE scheme requires a minimum of 122 days membership in the preceding 24 months and certain other requirements before any claims can be made. Employers pay a contribution on top of the pre-tax income of their employees, which together with the employee contribution, fund the scheme. The maximum unemployment benefit is (as of March 2009) 57.4% of €162 per day (Social security contributions ceiling in 2011), or €6900 per month. Claimants receive 57,4% of their average daily salary of
2565-454: Is the first-tier program supporting unemployed people. It is designed like an insurance, involuntary unemployment through no personal fault being the "event of damage". It is therefore also known as unemployment insurance ( Arbeitslosenversicherung ). In order to qualify, the unemployed person All workers with a regular employment contract ( abhängig Beschäftigte ), except freelancers and certain civil servants ( Beamte ), contribute to
2660-448: Is therefore €2964 (in 2012). If the benefits fall below the poverty line it is possible to supplement type I unemployment benefits with type II benefits if its conditions are met as well. Type I unemployment benefits are only granted for a limited period of time, the minimum being 6 months, with a maximum of 24 months in the case of old and long-term insured people. This takes account for the difficulty older people face when re-entering
2755-621: The COVID-19 Emergency Response Act received royal assent from Governor General Julie Payette on March 25, 2020. Existing federal social security programs were modified to provide additional financial support to their recipients. Canada Child Benefit payments were given a one-time increase of $ 300 per child, the Goods and Services Tax (GST) credit for the 2019 tax year was doubled, and personal income tax deadlines for 2019 were extended. Catherine McKenna ,
2850-704: The COVID-19 pandemic . The aim of this program is to ensure that these businesses have access to sufficient capital to remain solvent during the pandemic. CEBA was implemented in the COVID-19 Emergency Response Act, No. 2 which was introduced by Finance Minister Bill Morneau and passed in Parliament on April 11, 2020. The budget for the program was set for CA$ 25 billion , offering loans of CA$ 40,000 financed by Export Development Canada . Businesses apply for CEBA loans through their current financial institution , which administer
2945-632: The Labor government under Kevin Rudd was elected in 2008, the length of unemployment before one is required to fulfill the requirements of the Activity Agreement (renamed the Employment Pathway Plan) has increased from six to 12 months. There are other options available as alternatives to the Work for the Dole scheme, such as undertaking part-time work or study and training, the basic premise of
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3040-461: The Minister of Infrastructure and Communities , also announced on April 16 that the federal government was seeking "shovel-ready" infrastructure projects to receive stimulus funding. The Canada Emergency Response Benefit ( CERB ; French : Prestation canadienne d'urgence ) was a program that provided a taxable benefit of CA$ 2,000 per month for Canadian residents facing unemployment due to
3135-520: The 2009, 2010 and 2011 annual deficits by increasing EI premiums. On 11 December 2008, the Supreme Court of Canada rejected a court challenge launched against the federal government by two Quebec unions, who argued that EI funds had been misappropriated by the government. The level of benefit is set between the minimum wage and the minimum living allowance by individual provinces , autonomous regions and municipalities . Each Member State of
3230-476: The Act included Robert Laurie Morant and William Braithwaite. By the time of its implementation, the benefits were criticized by communist parties, who saw such insurance as a means to prevent workers from starting a revolution, while employers and tories sometimes saw it as a "necessary evil". The scheme was based on actuarial principles and was funded by fixed amounts from workers, employers, and taxpayers. It
3325-600: The CERB with the requirement being $ 5,000 in net income vs. $ 5,000 gross income . The CRA later admitted the semantics were 'unclear'. Due to the lack of summer employment available for post-secondary students or graduating high school students, the Canadian government introduced the Canada Emergency Student Benefit ( CESB ; French : Prestation canadienne d'urgence pour les étudiants ) as
3420-467: The CEWS it would rehire (backdated to 15 March) 16,000 airline staff that were laid off due to the pandemic. The Business Credit Availability Program ( BCAP ), which was announced on 11 May 2020, consists of guaranteed loans at commercial rates of between CA$ 6–80 million. It had seen as of mid-June 2020 only 400 applications. Administered by Export Development Canada and Business Development Canada ,
3515-546: The COVID-19 pandemic. Initially announced as providing a maximum of four months' financial support, the federal government announced a further two months of support in June 2020 and another month in August 2020. The benefit is jointly administered by Employment and Social Development Canada (ESDC) and the Canada Revenue Agency (CRA), with eligible persons either applying through ESDC's Service Canada online portal or through
3610-571: The CRA online portal. To be eligible, applicants must attest they: did not quit their job voluntarily, earned at least CA$ 5,000 in the 2019 tax year or the preceding 12 months, have stopped working or are working reduced hours due to COVID-19, and are earning less than CA$ 1,000 in employment or self-employment income. Within one week of the CERB program's launch in April 2020, nearly 3.5 million Canadians applied for this benefit; this grew to 7.12 million by April 24. On April 15, eligibility for CERB
3705-464: The CRA started issuing collection letters to individuals who had not made an effort to resolve their overpayment. The CRA also made several attempts to reach individuals by phone." Anecdotal evidence suggested that the program was unpopular, with media reporting the clawback was "punishing" and "hurting" the poorest recipients, and that "repayments are hurting small businesses and many are going under." Parliamentary Budget Officer Yves Giroux issued
3800-523: The CRA, "This ongoing process started by issuing initial contact letters to some benefits recipients to request documents to support their claims. The second step was to issue Notices of Redetermination to individuals who were deemed to be ineligible for a portion or all of their claim, or who did not respond to the initial contact letters. In May 2022, the CRA began its collection approach by sending letters favouring voluntary payment. Then in February 2023,
3895-670: The Canada Enterprise Emergency Funding Corporation (CEEFC)—which was formed as a subsidiary of the Canada Development Investment Corporation (CDEV) specifically to administer the LEEFF. On 11 May 2020, Trudeau, Morneau and Bains in a press conference said that "a bridge financing facility for large employers that need help to get through the economic downturn caused by the coronavirus." One stated goal
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3990-554: The Canadian government to forgive pandemic loans from the Canada Emergency Business Account (CEBA), reflecting the financial hardships of nearly 900,000 other small businesses and non-profits. The move underscored the widespread difficulty in repaying the $ 49 billion distributed, as many businesses continued grappling with post-pandemic economic challenges. The Canada Emergency Wage Subsidy ( CEWS ; French : Subvention salariale d'urgence du Canada )
4085-534: The Canadian provinces. A significant part of the federal fiscal surplus of the Jean Chrétien and Paul Martin years came from the EI system. Premiums were reduced much less than falling expenditures – producing, from 1994 onwards, EI surpluses of several billion dollars per year, which were added to general government revenue. The cumulative EI surplus stood at $ 57 billion at 31 March 2008, nearly four times
4180-505: The Employment Pathway Plan being to keep the welfare recipient active and involved in seeking full-time work. For people renting their accommodation, unemployment benefits are supplemented by Rent Assistance, which, for single people as at 20 September 2021, begins to be paid when fortnightly rent is more than A$ 124.60. Rent Assistance is paid as a proportion of total rent paid (75 cents per dollar paid over A$ 124.60 up to
4275-485: The European Union has its own system and, in general, a worker should claim unemployment benefits in the country where they last worked. For a person working in a country other than their country of residency (a cross-border worker), they will have to claim benefits in their country of residence. Two systems run in parallel, combining a Ghent system and a minimum level of support provided by Kela , an agency of
4370-734: The LEEFF. Under the LEEFF companies must also: limit executive salaries to $ 1 million per annum; provide a share in their business to CDEV through stock warrants ; and prohibit dividends and share buybacks until they pay back their LEEFF. The Canada Student Service Grant ( CSSG ; French : Bourse canadienne pour le bénévolat étudiants ) was a proposed program to provide paid service opportunities for young adults (ages 30 and under) to assist with charities and non-profit organizations. Participation would be limited to recent post-secondary graduates (December 2019 or later) or students enrolled in spring, summer or fall 2020 semesters. Participants would receive $ 1000 per 100 hours of volunteer work, up to
4465-589: The Liberal Party the added benefit of combatting the Labour Party's increasing influence among the country's working-class population. The Act gave the British working classes a contributory system of insurance against illness and unemployment. It only applied to wage earners, however, and their families and the unwaged had to rely on other sources of support, if any. Key figures in the implementation of
4560-510: The Province of Quebec opted out of the federal EI scheme in respect of maternity, parental and adoption benefits, in order to provide more generous benefits for all workers in that province, including self-employed workers. Total EI spending was $ 19.677 billion for 2011–2012 (figures in Canadian dollars ). Employers contribute 1.4 times the amount of employee premiums. Since 1990, there
4655-567: The United Kingdom. The dole system provided 39 weeks of unemployment benefits to over 11 million workers—practically the entire civilian working population except domestic service, farmworkers, railroad men, and civil servants. Unemployment benefits were introduced in Germany in 1927, and in most European countries in the period after the Second World War with the expansion of the welfare state . Unemployment insurance in
4750-592: The United States originated in Wisconsin in 1932. Through the Social Security Act of 1935, the federal government of the United States effectively encouraged the individual states to adopt unemployment insurance plans. Eligibility criteria for unemployment benefits typically factor in the applicant's employment history and their reason for being unemployed. Once approved, there is sometimes
4845-596: The Western provinces but EI is especially important in the Atlantic provinces, which have higher rates of unemployment. Many Atlantic workers are also employed in seasonal work such as fishing, forestry or tourism and go on EI over the winter when there is no work. There are special rules for fishermen making it easier for them to collect EI. EI also pays for maternity and parental leave , compassionate care leave , and illness coverage. The program also pays for retraining programs (EI Part II) through labour market agreements with
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#17327799690244940-580: The adoption of the 1971 UI Act. At the same time, the federal government gradually reduced its financial contribution, eliminating it entirely by 1990. The EI system was again cut by the Progressive Conservatives in 1990 and 1993, then by the Liberals in 1994 and 1996. Amendments made it harder to qualify by increasing the time needed to be worked, although seasonal claimants (who work long hours over short periods) turned out to gain from
5035-429: The adoption, implementation, and advancement of building energy codes Bilfinger Connected Asset Performance, a holistic asset management concept for the process industry developed by the industrial service provider Bilfinger SE . Topics referred to by the same term [REDACTED] This disambiguation page lists articles associated with the title BCAP . If an internal link led you here, you may wish to change
5130-539: The age of 21 and under the pension eligibility age. To receive a JobSeeker Payment, recipients must be unemployed, be prepared to enter into an Employment Pathway Plan (previously called an Activity Agreement) by which they agree to undertake certain activities to increase their opportunities for employment, be Australian Residents and satisfy the income test (which limits weekly income to A$ 32 per week before benefits begin to reduce, until one's income reaches A$ 397.42 per week at which point no unemployment benefits are paid) and
5225-489: The amount needed to cover the extra costs paid during a recession. This drew criticism from Opposition parties and from business and labour groups, and has remained a recurring issue of the public debate. The Conservative Party , chose not to recognize those EI surpluses after being elected in 2006 . Instead, the Conservative government cancelled the EI surpluses entirely in 2010, and required EI contributors to make up
5320-412: The applicant does not fulfil the search requirements, or turns down a job offer deemed acceptable by the unemployment benefits agency. Agencies may also provide resources, training, or education for job seekers. Some countries allow beneficiaries to accept part-time jobs without losing benefit eligibility, which can counter the disincentive of unemployment benefits to accepting jobs that do not fully replace
5415-509: The assets test (an eligible recipient can have assets of up to A$ 161,500 if he or she owns a home before the allowance begins to reduce and $ 278,500 if he or she does do not own a home). The rate of allowance as of 12 January 2010 for single people without children was A$ 228 per week, paid fortnightly. (This does not include supplemental payments such as Rent Assistance or Energy Supplement. ) Different rates apply to people with partners and/or children. Effectively, people have had to survive on $ 39
5510-464: The benefit for any period where they were not working due to mandatory quarantine requirements. In March 2021, the government extended the CRB benefit to 50 weeks (25 periods). The first 42 weeks (21 periods) provided $ 1000 ($ 900 pre-taxed) every two-week period, and the final eight weeks (four periods) provided $ 600 ($ 540 pre-taxed). The program was scheduled to end on September 25, 2021. In August 2021,
5605-465: The country and the status of the person, those sums may be small, covering only basic needs, or may compensate the lost time proportionally to the previous earned salary. Unemployment benefits are generally given only to those registering as becoming unemployed through no fault of their own, and often on conditions ensuring that they seek work. In British English, unemployment benefits are also colloquially referred to as "the dole "; receiving benefits
5700-881: The federal government created the Canada Worker Lockdown Benefit ( CWLB ). The programs planned to provide 300 dollars per month for workers who cannot work because their workplace faced a local lockdown. The program is set to run from 24 October 2021 to 7 May 2022. The program was expanded on 22 December to also cover workplaces whose capacity was reduced by 50% due to provincial restrictions. However, these workers were required to prove that they also lost at least 50% of their revenue because of these measures. The program closed for applications on 18 May 2022. The Canada Emergency Business Account ( CEBA ; French : Compte d'urgence pour les entreprises canadiennes ) provides emergency interest -free loans to small businesses and nonprofit organizations during
5795-506: The form of taxable benefits. As a consequence, some provincial governments (including Ontario and British Columbia ) experienced a dramatic surge in revenue. This windfall has been referred to as a "secret provincial bailout" by some commentators. Employment Insurance Unemployment benefits , also called unemployment insurance , unemployment payment , unemployment compensation , or simply unemployment , are payments made by governmental bodies to unemployed people. Depending on
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#17327799690245890-406: The former wages. Unemployment benefits are typically funded by payroll taxes on employers and employees. This can be supplemented by the government's general tax revenue, which can occur periodically or in response to economic downturn. Contribution rates are usually between 1 and 3% of gross earnings, and are usually split between the employer and employee. Across the world, 72 countries offer
5985-499: The government extended the program again to 54 weeks (27 periods) in October 2021. The Canada Recovery Sickness Benefit ( CRSB ) provides $ 500 per week (2 weeks maximum) for workers who: (a) "are unable to work for at least 50% of the week because they contracted COVID-19;" (b) "are self-isolated for reasons related to COVID-19;" or (c) "have underlying conditions, are undergoing treatments or have contracted other sicknesses that, in
6080-570: The grant altogether, virtually pushing them into poverty, homelessness and bankruptcy, as there are no other precautions installed. Germany does not have an EBT (electronic benefits transfer) card system in place and, instead, disburses welfare in cash or via direct deposit into the recipient's bank account. As of 2022 a single person without children receives at most €449 per month at free disposal intended to cover living expenses, plus costs for reasonable accommodation (rent and heating). People granted benefits are automatically insured at reduced rates in
6175-544: The individual does not qualify for any unemployment benefit he may still be eligible for the housing benefit ( asumistuki ) from Kela and municipal social welfare provisions ( toimeentulotuki ). They are not unemployment benefits and depend on household income, but they have in practice become the basic income of many long-term unemployed. France uses a quasi Ghent system , under which unemployment benefits are distributed by an independent agency (UNEDIC) in which unions and Employer organisations are equally represented. UNEDIC
6270-487: The job market in Germany. In contrast to type II unemployment benefits, there is no means test. However, it is necessary to remain unemployed while seeking employment. In this context unemployment is defined as working less than 15 hours a week. Type II unemployment benefits ( Arbeitslosengeld II , also referred to as Hartz IV or Bürgergeld colloquially) are an open-ended welfare program intended to ensure people do not fall into poverty. Despite its name, unemployment
6365-425: The labour market, or subsidising moving expenses once an employment contract has been signed but the place of work requires relocation as it is further than the acceptable daily commute duration (at most 3 hrs a day). If they do not voluntarily participate in training, they may be obliged by administrative action. Beneficiaries not complying with orders can be sanctioned by pruning their allowance and eventually revoking
6460-502: The last 12 months preceding unemployment with the average amount being €1,111 per month. In France, tax and other payroll taxes are paid on unemployment benefits. In 2011, claimants received the allowance for an average 291 days. Germany has a two-tiered system of unemployment benefits. Their common goal is to eventually cease dependence on unemployment benefits entirely. Both programs assist their beneficiaries to varying degrees through Type I unemployment benefits ( Arbeitslosengeld I )
6555-612: The law on Employment of the Population and Social Protection in Case of Unemployment, which provided a legal framework to the Unemployment Insurance and active labour policies. Armenia's UI is a contributory program, which is obligatory for public and formal private sectors, as well as the self-employed. To be eligible for benefits, the claimant must be unemployed as a result of business reorganization, staff reduction, or
6650-423: The link to point directly to the intended article. Retrieved from " https://en.wikipedia.org/w/index.php?title=BCAP&oldid=1217790128 " Category : Disambiguation pages Hidden categories: Short description is different from Wikidata All article disambiguation pages All disambiguation pages Business Credit Availability Program The first measures were implemented when
6745-424: The loan and submit required information to EDC. Businesses that repay at least 75% of the loan balance ( CA$ 30,000 ) by December 31, 2022 will have any remaining balance forgiven . The size of the loans could be increased, along with the amount forgivable. The due date could also be moved into 2024 if need be. In November 2023, Ottawa accountant Moe Tabesh initiated a petition with over 17,000 signatures to urge
6840-410: The maximum). The maximum amount of rent assistance payable is A$ 139.60 per fortnight, and is paid when the total weekly rent exceeds A$ 310.73 per fortnight. Different rates apply to people with partners and/or children, or who are sharing accommodation. In Canada , the system is known as "Employment Insurance" (EI, French : Prestations d’assurance-emploi ). Formerly called "Unemployment Insurance",
6935-542: The monthly unemployment benefit will get a payment of 18,000 AMD per month for a minimum of 6 months and a maximum of 12 months. The UI also includes a scheme to help employers hire people who are unemployed with at least 35 years of UI contributions but have not reached retirement age; unemployed for more than three years; returning from corrective or medical institutions; returning from mandatory military service; disabled; refugees; or are 16 years of age and newly eligible to work. Employers who hire these groups are eligible for
7030-489: The name was changed in 1996. In 2024, Canadian workers paid premiums of 1.66% of insured earnings in return for benefits if they lose their jobs. The Employment and Social Insurance Act was passed in 1935 during the Great Depression by the government of R. B. Bennett as an attempted Canadian unemployment insurance program. It was, however, ruled unconstitutional by the Supreme Court of Canada as unemployment
7125-456: The national government. Unionization rates are high (70%), and union membership comes with membership in an unemployment fund. Additionally, there are non-union unemployment funds. Usually, benefits require 26 weeks of 18 hours per week on average, and the unemployment benefit is 60% of the salary and lasts for 500 days. When this is not available, Kela can pay either regular unemployment benefit or labour market subsidy benefits. The former requires
7220-436: The national health and nursing care insurances. The national pension insurance accounts the time living on benefits, but it does not increase the pension entitlement since in 2011 the federal government stopped paying €205 monthly. Type II unemployment benefits have been heavily criticized since their introduction. As Type II benefits are meant to ensure a minimum subsistence level, the mechanism of sanctions has repeatedly been
7315-556: The opinion of a medical practitioner, nurse practitioner, person in authority, government or public health authority, would make them more susceptible to COVID-19." Individuals who have travelled internationally are not eligible to receive the benefit for any period where they are not working due to mandatory quarantine requirements. Another program, the Canada Recovery Caregiving Benefit ( CRCB ) supports Canadians that have been working but have to take
7410-528: The pandemic" but that "deciding to not front-end verification resulted in $ 4.6 billion in overpayments to ineligible individuals." There are reports of mismanagement, fraud and a number of scams related to CERB. In late 2020, the CRA sent out 441,000 letters asking for full or partial repayment of the CERB to Canadians, due to ineligibility. These individuals were urged to repay the benefit by December 31, 2020 to avoid tax issues. Confusion on eligibility arose from language used to describe who could receive
7505-404: The previous year due to COVID-19. If a participant made more than $ 38,000 annual salary, $ 0.50 of every dollar earned on the CRB would have to paid back if the participant was still taking it. The CRB was available for eligible individuals for an allocated amount of time between September 27, 2020 and September 25, 2021. Individuals who have travelled internationally were not eligible to receive
7600-429: The program is the responsibility of the Minister of Small Business, Export Promotion and International Trade , Mary Ng . The program is available at various banks and credit unions until June 2021. The Canada Emergency Rent Subsidy ( CERS ) provides rent and mortgage support for qualifying businesses, non-profit organizations, or charities, affected by COVID-19. Available from September 27, 2020 until June 2021,
7695-540: The regular EI system and those who do not qualify for EI will be transitioned into one of three new recovery benefit programs. CERB was ended on September 26, 2020, and a revamped EI program was implemented. Approximately 8.9 million Canadians applied for CERB by its end date. In 2022 the Auditor General of Canada , Karen Hogan , conducted a review into the CERB fund and concluded that "the federal government effectively delivered emergency COVID-19 benefits during
7790-546: The replacement, in 1996, of weeks by hours to qualify. The ratio of beneficiaries to unemployed, after having stood at around 40% for many years, rose somewhat during the 2009 recession but then fell back again to the low 40s. Some unemployed persons are not covered for benefits (e.g. self-employed workers), while others may have exhausted their benefits, did not work long enough to qualify, or quit or were dismissed from their job. The length of time one could take EI has also been cut repeatedly. The 1994 and 1996 changes contributed to
7885-509: The salary paid to the employee. The contribution level was reduced from 3.25% for employees and employers as part of labour market reforms known as Hartz. Contributions are paid only on earnings up to the social security ceiling (2012: 5,600 EUR). Furthermore, the system is supported by funds from the federal budget. Claimants get 60% of their previous net salary (capped at the social security ceiling), or 67% for claimants with children (as long as beneficiary of child benefit ). The maximum benefit
7980-492: The subsidy helps qualifying organizations who have experienced a drop in revenue due to the pandemic, paying for part of their commercial rent or property expenses. CERS provides payments directly to renters and property owners , without requiring the participation of a landlord . The Large Employer Emergency Financing Facility ( LEEFF ; French : Crédit d’urgence pour les grands employeurs ) provides government-backed bridge financing to large Canadian employers through
8075-401: The system. It is financed by contributions from employees and employers. This is in stark contrast to FUTA in the US and other systems, where only employers make contributions. Participation (and thus contributions) are generally mandatory for both employees and employers. Employees pay 1.5% of their gross salary below the social security threshold and employers pay 1.5% contribution on top of
8170-640: The taxation system. There is no compulsory national unemployment insurance fund. Rather, benefits are funded in the annual Federal Budget by the National Treasury and are administrated and distributed throughout the nation by the government agency, Centrelink . Benefit rates are indexed to the Consumer Price Index and are adjusted twice a year according to inflation or deflation. There are two types of payment available to those experiencing unemployment. The first, called Youth Allowance ,
8265-460: The termination of a collective bargaining agreement. To be eligible, applicants must have contributed for at least 12 months prior to unemployment or be actively looking for work after a long period of unemployment. The UI is also available to first-time job seekers. Those who do not qualify for the monthly payment are nonetheless eligible for the UI scheme's capacity building programs. Those who qualify for
8360-514: The unemployed person receives assistance from the Työ- ja elinkeinokeskus ( TE-keskus , or the "Work and Livelihood Centre"), a government agency which helps people to find jobs and employers to find workers. In order to be considered unemployed, the seeker must register at the TE-keskus as unemployed. If the jobseeker does not have degree, the agency can require the job seeker to apply to a school. If
8455-483: Was "to avoid bankruptcies of otherwise viable firms wherever possible... Companies that use the lending facility will have to commit to respect collective bargaining agreements, protecting workers’ pensions, and support national climate goals. Rules on access to the money will place limits on dividends, share buy-backs and executive pay." The LEEFF will only target companies with annual revenues in excess of $ 300 million, and only if they request $ 60 million or more from
8550-415: Was announced on 1 April 2020, as an expanded version of a previously proposed temporary wage subsidy. The Parliament of Canada reconvened on 11 April 2020 to pass the COVID-19 Emergency Response Act, No. 2 on division . Several large employers which had laid off employees due to the economic effects of the pandemic announced they would re-hire workers in response to CEWS. Air Canada announced because of
8645-462: Was expanded to include seasonal workers, persons who had exhausted their Employment Insurance (EI) regular or sickness benefits, and those who have returned to work but still earn less than CA$ 1,000 per month due to reduced hours or lower demand. Employment minister Carla Qualtrough announced on July 31, 2020 that the CERB would be wound down following a final extension of one month. CERB recipients who are still unemployed will be transitioned to
8740-474: Was extended dramatically by Pierre Trudeau in 1971 making it much easier to get. The system was sometimes called the 10/42, because one had to work for 10 weeks to get benefits for the other 42 weeks of the year. It was also in 1971 that the UI program was first opened up to maternity and sickness benefits, for 15 weeks in each case. The generosity of the Canadian UI program was progressively reduced after
8835-514: Was judged to be an insurance matter falling under provincial responsibility. After a constitutional amendment was agreed to by all of the provinces, a reference to "Unemployment Insurance" was added to the matters falling under federal authority under the Constitution Act, 1867 , and the first Canadian system was adopted in 1940. Because of these problems Canada was the last major Western country to bring in an employment insurance system. It
8930-465: Was proposed by the Liberal government that would allow persons found to have received CERB payments fraudulently be subject to fines or imprisonment. The proposed legislation was not supported by any of the opposition parties in the minority Parliament and did not move ahead to second reading. In 2022, the CRA began a massive clawback of individual COVID-19 benefits, issuing hundreds of thousands of demand for repayment letters to Canadians. According to
9025-439: Was restricted to particular industries, particularly more volatile ones like shipbuilding, and did not make provision for any dependants. After one week of unemployment, a worker was eligible to receive seven shillings per week for up to 15 weeks in a year. By 1913, 2.3 million were insured under the unemployment benefit program. The Unemployment Insurance Act 1920 created the dole system of payments for unemployed workers in
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