Council Reports

May 26, 2020 – With re-opening strategies differing across the country, regional and industry variations need to be considered to create better-tailored income supports, says the C.D. Howe Institute’s Crisis Working Group on Household Income and Credit Support.

At their recent meeting, working group members discussed the need to apply a risk management lens to the re-opening of the economy and the need to shift away from a national one-size-fits-all income support plan. The group also considered policy options for modifying the Canada Emergency Response Benefit (CERB) while maintaining support for families and low-wage earners, and explored longer-term income support plans.

The group recommends:

A more targeted…

May 11, 2020 – Better utilization of the Canada Emergency Wage Subsidy (CEWS) will help support businesses and individuals during the gradual re-opening of the economy and maintain employer-employee relationships, says the C.D. Howe Institute’s Crisis Working Group on Household Income and Credit Support.

At their recent meeting, working group members identified factors contributing to the large utilization gap between the Canada Emergency Response Benefit (CERB) and CEWS, highlighted the importance of timely and reliable data, and considered the financial needs of Canadians who will not qualify for Employment Insurance (EI) after exhausting CERB.   

The group supports the federal government’s decision to…

April 27, 2020 – It’s time to consider the gradual winding down of emergency benefits and tackle disincentives to work, says the C.D. Howe Institute’s Crisis Working Group on Household Income and Credit Support.

Rather than extending the criteria for the Canada Emergency Response Benefit (CERB) to fill remaining support gaps, new targeted federal or provincial programs​ should be used to cover those still ineligible.

At their April 21 meeting, the group identified niche populations who are affected by COVID-19 but are falling through the cracks as they do not meet the CERB requirements, including working social assistance recipients and new entrants to the labour market. However, these support gaps should be…