A large number of Canadians receiving emergency government assistance will turn to debt to meet their needs when those benefits run out, a new survey suggests.
The survey, which was commissioned by insolvency firm MNP Ltd. earlier this month, found that among respondents currently receiving benefits due to the coronavirus pandemic, 45 per cent will take on more debt in the event that financial support ends.
“That’s a pretty startling figure,” MNP President Grant Bazian said in an interview.
Twenty-one per cent said they would use credit cards, and eight per cent said they would rely on payday lenders. Nine per cent said they’d sell their homes.
Forty-five per cent said they would reduce their expenses.
The survey comes just weeks before the Canada Emergency Response Benefit (CERB), which has paid out $76.4 billion since March, is set to end.
More than 8.7 million Canadians had applied for CERB to pay their bills and feed their families in wake of the biggest economic shock seen in decades.
After September, federal government plans to transition recipients to Employment Insurance (EI), and has also introduced new benefits programs to assist those who might be left out — including caregivers, those who are sick or must isolate due to COVID-19, along with Canadians who do not qualify for EI.
Those benefits, too, have an expiry date. The new programs are scheduled to be in place for the next year.
The survey did not ask how many of those currently receiving aid intended to apply for the new programs, but 28 per cent said they would apply for EI when their benefits ran out.
Experts have expressed concern about that transition, along with what could come next for those who are most vulnerable.
Kirstin Beardsley, Food Banks Canada’s chief network services officer, said in a previous Global News interview that food bank use spiked when the pandemic broke out — but things changed when CERB started.
Recent food bank use is now comparable with previous years, she said.
“But folks have now gone through their CERB allotment. We have things like eviction notices back in force. People who were able to defer payments may now need to pay bills,” Beardsley said.
“People were able to keep their heads above water with the CERB. As that ends, we’re concerned there will be a moment where folks just can’t make it all work.”
While Canada posted record unemployment rates earlier this year, it has seen significant job gains in the last four months. The latest figures show Canada remains short about 1.1 million positions relative to pre-COVID-19 levels.
Six months into the pandemic, the MNP survey found that 43 per cent of respondents said they, or someone in their household, were still experiencing some form of disruption or impact to their employment.
Among those, 15 per cent are working fewer hours or receiving reduced pay. Fourteen per cent said someone in their household has lost their job, and 13 per cent said they personally lost their position.
Perhaps surprisingly, so far in 2020 the number of Canadians filing for bankruptcy or looking to settle their debts through consumer proposals has fallen off dramatically.
Bazian said aid programs have been a “saving grace” for many who might have otherwise become insolvent. And at the same time, collections agenies and the Canada Revenue Agency have taken a somewhat softer approach, he said.
Some people have also been able to curb their spending this year because there’s simply less to do, he noted. The nation’s household debt ratio has actually fallen slightly, according to Statistics Canada.
But all of that could change when things get back to normal — whenever that may be.
Bazian encouraged people to take a deep look at their finances, and get some help from a debt professional such as a licensed insolvency trustee if necessary.
“I don’t think people’s problems have gone away … I think there’s just problems being deferred,” Bazian said.
The survey was conducted by Ipsos between September 1-3, 2020, on behalf of MNP LTD. For this survey, a sample of 2,001 Canadians aged 18 years and over was interviewed. The poll is accurate to within plus or minus 2.5 percentage points, 19 times out of 20, had all Canadian adults been polled.
— With files from Rachael D’Amore and The Canadian Press
3 million Canadians could be vaccinated in early 2021, but feds warn of ‘logistical challenges’
Federal officials sought to reassure Canadians today that Ottawa has a plan to procure and distribute millions of COVID-19 vaccines in early 2021, as the government’s critics argue that Canada seems to be falling behind other developed countries in planning for a mass vaccination campaign.
Health Canada regulators are reviewing clinical trial data, the government has signed purchase agreements for promising vaccine candidates and public health officials have procured needles and syringes for a future deployment, officials said. But top civil servants still don’t know how and when Canadians will be vaccinated due to a number of uncertainties.
Dr. Howard Njoo, Canada’s deputy chief public health officer, said the country will grapple with “some logistical challenges” in the months to come as it prepares to inoculate Canadians. He said the federal government will leverage the Canadian Armed Forces and an existing influenza vaccine distribution network to help with deployment.
Njoo warned that vaccine supply will be quite limited at first and will be reserved for “high priority groups” only — seniors in long-term care homes, people at risk of severe illness and death, first responders and health care workers and some Indigenous communities, among others.
A larger rollout, he said, will happen once supply chains stabilize and regulators approve more vaccine candidates for use in Canada.
If all goes well, and if U.S. pharmaceutical giants are able to meet delivery timelines, Njoo said as many as six million doses could be deployed in the first three months of 2021. Each patient will need two doses of Pfizer’s vaccine.
He cautioned, however, that it’s an “optimistic projection” and the details are far from certain right now.
Njoo said the federally run National Emergency Strategic Stockpile (NESS), which has storage sites across the country, already has procured the needles and syringes needed for vaccinations, which will be shared with the provinces and territories.
The federal government also has purchased cold storage for the promising Pfizer and Moderna vaccines, should they be approved for use here in Canada. Those two drugs are based on groundbreaking messenger RNA technology, or mRNA, which essentially directs cells in the body to make proteins to prevent or fight disease.
The government has been criticized by the opposition, provincial leaders and some public health experts for providing few details about its plans to roll out a vaccine once Health Canada gives one the green light.
While the U.S. has publicly released a robust distribution plan — 20 million Americans are expected to be vaccinated in December alone — Canadian officials have been largely quiet about how the deployment here will be structured. Prime Minister Justin Trudeau is scheduled to speak with the premiers tonight to offer more specifics.
Njoo said there’s been a “great deal of preparation behind the scenes” and the government will provide more information about logistics, distribution and allocation at a later date.
Njoo did not offer a precise timeline, beyond a commitment to getting some Canadians vaccinated “early” next year.
Arianne Reza, an assistant deputy minister at Public Services and Procurement Canada, said she expects vaccines will be available in the “first quarter of 2021.”
She said Canada has so far finalized purchasing agreements with five different pharmaceutical companies — AstraZeneca, GlaxoSmithKline, Medicago, Pfizer and Moderna — while agreements with Johnson & Johnson and Novavax are being finalized now.
Canada is expected to receive at least 194 million vaccine doses, with contractual options for 220 million more. “Canada does have firm agreements,” Reza said. “We work every day with the vaccine manufacturers to firm up the delivery schedule.”
Dr. Supriya Sharma, the chief medical adviser at Health Canada, said her department has been reviewing clinical trial data on a rolling basis since October 9.
The rolling review process — a policy shift implemented because of the urgency of this pandemic — allows drug makers to bypass the lengthy timelines they normally face when launching a new vaccine.
The U.S. Food and Drug Administration (FDA) is set to make its final decision on the Pfizer product on Dec. 10 — the company has reported a 95 per cent effectiveness rate — and Sharma said Health Canada is expecting to give approval for that product “around the same time. We’re on track to make decisions on similar timelines.”
“We don’t want to set up expectations that we might not be able meet. We’re working flat out,” Sharma said.
Reza said she doesn’t know when that product might hit our shores, but she’s hopeful for a fast turnaround.
“The minute regulatory approval comes through, they will be ready to go quite quickly with supply and initial shipments,” she said.
Sharma said drug companies could send vaccines to Canada for “pre-positioning” — stockpiling in advance of regulatory approval — but no vaccines have yet been shipped to our country.
Health minister should apologize to families of dead Canadians: Tory
Conservative MP Michelle Rempel Garner, the party’s health critic, said delays in vaccine deployment will lead to more COVID-19-related deaths. She said Health Minister Patty Hajdu should be prepared to apologize to Canadian families who lose loved ones to the virus.
“I know that sounds stark,” Rempel told a press conference. “But Canada’s inability to be clear on the details, to have a clear plan — when countries around the world have treated this with military efficiency and the severity that’s needed — will result in death.”
“Countries around the world will have the ability to vaccinate against COVID-19 but, in Canada, we will likely face 2,000 deaths per month because we don’t have the same ability,” she said, citing federal public health projections about the number of Canadians that could die each month if the virus continues to spread.
She said the government is perpetuating “mass chaos” and “mass confusion” by failing to release a clear distribution plan only weeks before an expected rollout.
She pointed to comments from Ontario’s health minister, Christine Elliott, who said Thursday she still wasn’t sure just how much her province will receive as part of the government’s coordinated vaccine bulk-buying program.
“I don’t even have words for how concerning this is … the provinces haven’t been brought to the table in a meaningful way. There’s a disconnect,” Rempel Garner said. “At the 11th hour, provincial governments shouldn’t be asking these questions.”
Canada As a Prosperous Economic Nation For Immigration
Canada has long enjoyed popularity as a great tourist destination. Immensely beautiful countryside and a vast array of outdoor activities, has always attracted tourists from different parts of the world. Cities such as Quebec and Montreal rich in tradition and also Toronto, Calgary, Edmonton and Vancouver with exemplary architecture are all worth the journey.
Canada has a large domestic and foreign tourism industry. This second-largest country in the world everything to lure globe trotters, from nature lovers, shopping buffs to adventure seekers. Canada belongs to the world’s leading economic nations. The country is rich in minerals and vegetable resources, has very fertile land for agriculture and forestry along with the immense potential for hydroelectric power have all contributed to its economic growth.
Canada is often referred to as a cultural mosaic, with one-fifth of its population comprising of foreign nationals, which is the highest ever proportion in the last 75 years. For the last decade, the Canadian economy has been growing rapidly by the aid of Immigration, low unemployment and significant trade surpluses with the United States.
Canada is preferred for Immigration all over the world due to its prosperous socio-economic structure, high education standards, lucrative career options and most importantly, not so stringent immigration laws. It is also a popular study destination, with over 1,300,000 international students studying at its various universities and institutes. International students experience a secure, peaceful and multicultural environment in Canada, getting the maximum exposure to work on a global platform.
The immigration policy of Canada can be divided into the temporary entry and Permanent Immigration. Under the Temporary entry, applicants can apply for Tourist Visa, Student Visa and Work permit. Tourist Visa to Canada allows visiting Canada for a period of two to five years. It is of three types, which are Single entry visa, multiple entry visa and transit visas.
Tourist visa to Canada does not entitle the visa holder to work in Canada. Canada Immigration and Citizenship department have developed a very systematic immigration procedure for economic class immigrants like skilled workers and business class immigrants. The Investor Immigration Program seeks experienced businessman to Canada who can support the economic development of the country. The categories under this program are investors, entrepreneurs and self-employed persons.
Many Immigration consulting firms provide useful guidance regarding the entire visa application process by asking the applicant to fill up free online assessment forms. To apply for permanent Immigration, the applicant needs to fill an application form that is reviewed by Canada Immigration authorities, who decide upon the eligibility of the candidate.
As Crime Rises in Toronto, Criminal Lawyers Ensure the Accused Get a Fair Trial
Over the past two years, Toronto has soon a noteworthy uptick in the incidence of violent crime. While much of this has been the result of turf wars between mafia and other criminal organizations, it has also involved more random, unpredictable attacks that have claimed the lives of a tragic number of young Torontonians.
As is to be expected whenever there is a rise in violent crime, the police are aggressively working to prosecute suspects and renew public confidence. Unfortunately, this zeal to tamp down the problem of gun violence can sometimes cause innocent people to get caught up in police investigations — and as a 2018 Ontario Human Rights Commission report found, the system problem of racial profiling in the Toronto Police Service means that these innocent people are far more likely to be Black.
Criminal Law and the Presumption of Innocence
The vast majority of Torontonians want to live in a safe, peaceful city where violent crime is as rare as it is shocking. But if real progress is to be made toward identifying and addressing the rise in gun and knife violence, it cannot come at the expense of the civil rights of Torontonians.
The presumption of innocence is a bedrock principle of our legal system, and all people accused of violent crimes, no matter the evidence, must be given a chance to defend themselves and clear their names in court.
This cannot happen without criminal lawyers, who ensure that anyone accused of a violent crime will have access to the kind of expert legal advice that is the precondition of a fair trial.
What to Do if You’ve Been Charged with a Violent Crime
If you have been charged with a violent crime, it can be hard to know how to respond. Unlike in other countries, the police are under no legal obligation to inform you of your rights, so it is essential that you understand what you are owed:
- The Right to Silence: If the police have taken you into custody and charged you with a criminal offense, you are not under any obligation to provide them with information. The police are not judges, and they cannot compel testimony from you. What they can do is take what you’ve said to build a case against you, so it is always better to say nothing until you’ve spoken with a lawyer.
- The Right to Counsel: Ontario law guarantees you the right to legal counsel and representation. Talking to a criminal defence lawyer in Toronto as soon as you’ve been charged will help you understand how best to proceed. They will also be able to advise you about whether to make a statement to the police.
Violent crimes are some of the most serious offenses in Canadian law, and those convicted often face harsh penalties. But this is also why the bar for conviction is high: in order to send a person to prison for years or decades, it is essential that their guilt be established beyond reasonable doubt.
As violent crime rates remain high despite the COVID-19 lockdowns, it is more essential than ever that Ontarian’s faith in their justice system be maintained. But the only way to do this is by ensuring that all people are treated equally under the law, and that those accused of a serious crime are given the resources necessary to defend themselves.
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