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Results: 16 - 30 of 74
Corinne Pohlmann
View Corinne Pohlmann Profile
Corinne Pohlmann
2021-04-15 17:22
Employment insurance is an insurance program, so it's based on whoever pays into it being able to benefit from it. We understand the need for CRB being set up during the pandemic, because obviously there are not just individuals who may not have paid enough into the EI system—though it also reduced the qualifying amounts by quite a bit—but also a lot of self-employed, including our members, who have used the CERB and the CRB systems to help themselves through the pandemic. About 34%-35% of our members had no income coming in, and when you're self-employed, you don't have access to the EI system, as you know. It became an important lifeline for some of them as well.
View Han Dong Profile
Lib. (ON)
There is flexibility designed into the CRB system that allows workers to maintain employment, especially for regions that are experiencing lockdowns. Can you speak to that a bit?
Corinne Pohlmann
View Corinne Pohlmann Profile
Corinne Pohlmann
2021-04-15 17:23
That was certainly, I think, an improvement over the CERB. People could earn a certain amount of money and still get the CRB at the same time. That was definitely something we applauded at the time. I think that flexibility was an improvement in the transition to a CRB system.
View Gabriel Ste-Marie Profile
BQ (QC)
Thank you.
So we're going to keep that in mind as we move forward with the CRB, the Canada Recovery Benefit, which is the continuation of the CERB.
Mr. Paquet, did you want to respond to that as well?
Judith Coates
View Judith Coates Profile
Judith Coates
2021-04-01 16:06
It's nice to see you again, honourable Chair, and also committee members. Thank you so much for inviting us to present today.
We provided a PDF of our presentation, if you would like to follow along with that.
There are over 24,000 travel advisers in Canada, and half of us are independent travel advisers. What that means is that we are small business owners. We are self-employed and the majority of us are sole proprietors.
The two key pieces of information we want to give you at this point are that 100% of our revenue comes from the commissions we earn from our travel suppliers and that 85% of all travel advisers are female. We know that women have been the hardest hit in this pandemic, and our industry is no exception.
We have been told that we're all in the same boat, but we don't believe that's true. We believe we're all in the same storm, but in many different boats, and we believe that our boat is sinking much more rapidly than a lot of other boats out there.
Part of that is because of our delayed revenue stream. We're not like an industry that sells a product and gets paid a commission cheque the following month. In our line of work, it takes between five and 11 months from when a customer makes a booking of a trip until we actually get paid for the work we have done on that booking.
If we want to assume that travel restrictions would be lifted by the end of June, and if a client came and made a booking on July 1, we would not receive any revenue from that booking and the work we've done until as early as mid-November of this year, or, more realistically, as late as June 2022.
Our first reality is that we have been without revenue for one year. We know it's going to take five to 11 months from the resumption of travel before we start to see any revenue from future bookings.
We are asking the government for sector-specific aid, because we know that the CRB is not meant to be a long-term band-aid solution. There are other countries that are already in their second round of sector-specific aid for their travel advisers, and we believe that Canada needs to follow suit.
Here's another reality. Even though we have been hindered from earning any revenue, we are business owners. We have been continuing to operate our businesses and are as busy as ever, because we are supporting our clients. When they needed to be repatriated to Canada, we were there to do that for them. When they needed assistance with their cancellations, we were there to help them. As they have been issued their future travel vouchers, we have been processing those for them and we are continually reworking those files. As they have needed assistance with insurance claims, we have been busy providing that assistance.
Although we have been quite active in our businesses, the reality is that we are slipping through the cracks because, other than the CRB, only a very small percentage of independent travel advisers have been able to receive any funding from the federal government. The CRB was designed to put food on our table and help us pay the rent, not pay our business expenses.
There's another piece to our puzzle, and that is that we know the airlines need financial assistance. They are the backbone of our travel economy, and we need them to be financially viable. We also support the option of consumer refunds. However, in November, when the former transport minister announced that airlines would not receive any bailouts unless consumers were given refunds, there was a huge trickle-down effect. WestJet and WestJet Vacations, and then Air Transat and Transat Holidays issued notices to us saying that our clients would not receive a refund until we paid back the commissions that we, the travel advisers, earned on those bookings.
In some cases, those commissions were earned by us in 2019. They have already been taxed, and there's no way that we can pay them back, nor do we believe that we should be paying back those commissions, because they were revenue earned for services we provided to those large corporations.
We need assurances from the government that bailouts will only be given on the condition that travel advisers' commissions are protected. We're asking for the government to set up a fund in the amount of $200 million to facilitate this. Until travel restrictions are lifted, consumer confidence will remain low, and we believe that if the government is going to continue to impose these restrictions, aid must be given immediately to our sector.
We're asking for your support for commission protection, first of all, to ensure that bailouts will only be given on the condition that our commissions are protected. Commission clawbacks are forcing many travel advisers into bankruptcy.
The second thing we're asking for is sector-specific aid for independent travel advisers to help keep our businesses afloat. Please ensure that our businesses, and we, won't continue to fall through the cracks.
Thank you very much.
Pascale St-Onge
View Pascale St-Onge Profile
Pascale St-Onge
2021-04-01 16:21
Mr. Chair, ladies and gentlemen, good afternoon.
First, thank you very much for giving us the opportunity to speak about your work on emergency measures during the pandemic.
The Fédération nationale des communications et de la culture, or FNCC, represents approximately 6,000 members in 80 unions. The federation also works closely with cultural unions, including the Union des artistes, the Quebec Musicians' Guild and the Association des réalisateurs et réalisatrices du Québec, to name but a few.
Together, our organizations represent more than 25,000 workers in the media, arts and culture. The FNCC represents both salaried and self-employed workers. Two weeks ago, the FNCC and its partners published a new and very troubling report on the situation of self-employed workers in the cultural sector. In short, the precarious situation that artists, creators and tradespeople in the cultural sector have faced for many decades, combined with the shutdown or increased complexity of activities resulting from the pandemic, has left our members in psychological and financial distress.
Of course, the living arts have been particularly affected by the health measures and closures. However, the entire cultural sector has been severely shaken. Now, just as venues have reopened in Quebec, it seems that we are entering a third wave.
I must point out that the average annual income of self-employed cultural workers doesn't exceed the low-income cutoff for a single person in Quebec. In 2017, this cutoff was $24,220. In 2019, none of the cultural activity areas reached this cutoff, not even the film and video industry.
This precarious financial situation and the weak social safety net available to self-employed workers make them very vulnerable during crises and slumps, which is the case for most of them. When surveyed between December and January, 64% of our members showed signs of high or very high psychological distress. This cannot continue. In this survey, we asked our members what they thought their net income would be in 2020, just from their work in the arts. Sixty-three per cent of the 1,500 respondents indicated that their net income would be less than $10,000, while 15% indicated that it would be less than $19,000. Also, over 40% of the members we surveyed are considering leaving the cultural sector.
Based on these data, we can make a few observations. First, 67% of our self-employed members have received the Canada emergency response benefit (CERB). Without it, many would have ended up with nothing to pay for their rent and food. This measure was most appropriate in providing direct help to cultural workers. Second, only 34% of cultural workers registered for the Canada recovery benefit (CRB). There appear to be a number of reasons for this drastic decline, including the fact that certain criteria, such as a job search, which was required even when the entertainment industry was still shut down, are not realistic in the cultural sector. Also, because of the fear of having to pay money back, when few of them have any savings, many don't take the risk. That being the case, the CRB should be extended for as long as this crisis lasts, and ideally, the administrative burden should be minimized to facilitate access.
Finally, apart from the CERB and, to a lesser extent, the CRB, few programs have reached artists, creators and tradespeople directly. A social safety net is needed for self-employed workers for whom intermittent work is part of the trade or profession. It is absolutely necessary to introduce an income replacement mechanism, without which it will be very difficult to remedy the precarious position of our artists and tradespeople. Need we remind you that without them, there is no culture? Improving the socio-economic living conditions of self-employed cultural workers must be a priority in all the measures that governments are considering.
As for the specific support programs for culture, such as the National Film Board, Telefilm Canada or the Canada Council for the Arts, generally speaking, these funds have been neglected and very rarely indexed for decades, which means that the entire sector was already in a difficult financial situation, and even more so for francophone content. Of course, the money is helping the sector, but it will need a lot of support in the coming years.
In closing, I'd like to take a few seconds to talk about the media sector. We reiterate the importance of placing government-wide advertising first and foremost in our Canadian media, whether in our newspapers or magazines, on television, radio or digital media. This sector was already severely disrupted by the fiscal, legislative and regulatory inequities that exist between them and the web giants.
The government must do everything it can to protect professional journalistic information, especially during these times of pandemic and misinformation, as well as our original cultural production, given that Canadians are spending more time than ever in front of screens.
The wage subsidy has also helped many media companies maintain jobs. It should also be extended for as long as necessary.
Mr. Laflamme and I would be pleased to answer your questions.
Thank you.
View Gabriel Ste-Marie Profile
BQ (QC)
Thank you, Mr. Chair.
Good afternoon, everyone. Thank you for your presentations. You're a very interesting panel of witnesses. Ms. Slater, Ms. Coates, and Ms. Wilson, the situation in which you and your colleagues find yourselves makes no sense. Hopefully the government will find ways to help you. The documents you have provided us with are full of solutions. We want you to be heard.
Mr. Siddall, you are the president and CEO of Canada Mortgage and Housing Corporation. I want to applaud you and thank you for the work that you have done. I wish you all the best in the future. I also want you to thank all your teams, who have worked very hard during the pandemic. I can't resist coming back to a topic you raised on May 19, almost a year ago. At that appearance, we talked about forecasts. I told you that many economists were expecting real estate prices to rise. Of course, I hope your forecasters have learned from this crisis. It is always difficult to make forecasts. That said, thank you again for all the work you have done.
Ms. St-Onge and Mr. Laflamme, when you come to testify here, it is always troubling. You are saying that two-thirds of self-employed workers in the cultural sector are in a state of psychological distress. Only one-third of them apply for or have access to the Canadian recovery benefit (CRB). This is very troubling. It must be further noted that self-employed workers as a whole are facing difficulties. The president of Travailleurs autonomes Québec mentioned the same problem with respect to the CRB. She also reminded us that, whenever there is a small problem, an investigation is launched and it takes months to resolve the matter.
If your members are facing the same problem, can you elaborate?
Do you see a connection between the very high rate of psychological distress and the lack of resources in existing programs?
Pascale St-Onge
View Pascale St-Onge Profile
Pascale St-Onge
2021-04-01 16:49
I will start with your second question. In my opinion, because of the precarious situation in which they find themselves, self-employed workers in the cultural sector have not been able to accumulate enough savings to be able to get through periods of crisis. The current crisis is dragging on. The situation is unprecedented, but it is still a reality every day, every month or every week for the tradespeople of the sector, since they operate project by project, on contract. What has become obvious to us is that the precarious situation of the people in our sector can no longer continue. The crisis has proved that we were ill-equipped to deal with such a situation.
The CERB has been very useful. The CRB is less so. I will let Mr. Laflamme further explain why the CRB is inherently problematic.
It's clear to us that we need to work on the socio-economic status of artists, because if we don't, the cultural sector across Canada will be impoverished. Forty per cent of our members are thinking of leaving the profession, which is a serious concern.
There are labour shortages in other sectors. We don't want to have shortages in the cultural sector when the time comes to resume cultural activities.
Mr. Laflamme, do you have anything to add?
Julien Laflamme
View Julien Laflamme Profile
Julien Laflamme
2021-04-01 16:50
Yes. I will be brief. I would group the problems with the CRB into three broad categories. First, unpredictability. The income of cultural workers varies a great deal. Filing taxes and figuring out how much to repay will be a huge problem. Clearly, people who anticipate this may have questions. That's one problem.
Second, it is not clear how the program is being applied. One of the things mentioned earlier was the job search requirement. As you know, the EI system includes the concept of suitable employment for wage earners, which means that people are not required to take a job that pays less or is in a different field of expertise than their own. In the case of the CRB, the rules are less clear. It is a new program with which self-employed people must become familiar. The way it is presented by the Canada Revenue Agency is not always clear either.
Third, the duration of the program is problematic, as it is supposed to end in June and will likely have to be extended, unfortunately.
View Gabriel Ste-Marie Profile
BQ (QC)
Along these lines, just before you, we heard from representatives of the Alliance de l'industrie touristique du Québec. In order to make programs such as the wage subsidy more predictable, they asked that we announce that the latter will be extended until at least 2022. You said that the CRB should be extended for as long as it is needed. It would be good if the government could announce in the budget that will be tabled in two weeks that this subsidy will be extended until 2022, at least for the sectors you represent. What do you think about that?
Pascale St-Onge
View Pascale St-Onge Profile
Pascale St-Onge
2021-04-01 16:52
It would be great if it could be extended over a longer period of time to allow for predictability. At the same time, it would set the stage for the work that needs to be done on how to establish a social safety net for self-employed workers.
I absolutely agree. The longer it's extended, the better.
Caroline Bédard
View Caroline Bédard Profile
Caroline Bédard
2021-03-17 16:32
Good afternoon, everyone.
I would like to begin by explaining the mission of Travailleurs autonomes Québec. We are trying to get recognition for self-employed workers' rights, and to provide them with support and guidance in running a successful small business.
Another one of our missions is to get self-employed worker status legally recognized, as it is still not legally defined. The lack of a clear and precise definition is hurting many self-employed workers in all facets of their daily lives.
I just want to inform you that Canada had nearly 3 million self-employed workers before the pandemic. Unfortunately, we will certainly have fewer players after the pandemic, if that is not already the case. The pandemic we are going through very clearly shows a deficiency when it comes to that status, as no program is adapted to the reality of self-employed workers.
Let's start with the second version of the subsidy for commercial rent, the Canada emergency rent subsidy. The application form asks for the BN—business number—which is the GST number at the federal level.
Did you know that over 60% of self-employed workers in Quebec earn an income of less than $30,000 and, therefore, have no GST number?
With this being the case in Quebec, we can get an idea of what is happening in the rest of Canada's provinces and territories. If the government was thinking of helping self-employed workers pay their commercial rent, that unfortunately won't happen, as six self-employed workers out of 10 don't have a business number.
Let's now move on to the Canada recovery benefit, or CRB. Once again, we are seeing that the application forms are not adapted to self-employed workers' reality. They are once again asked what their BN is, whether they are seeking employment, whether they left their job voluntarily, whether they refused a job, and so on. Did you know that a self-employed worker is not looking for a job, but is rather looking for clients or contracts?
When businesses are forced to close by our governments because of a lockdown, and they are not deemed essential, self-employed workers are still asked to seek employment. If they say they are not looking for a job when they apply for the CRB, their application is automatically refused. Asking a self-employed worker to look for a job is a lack of respect for their small business and a very clear message that they must be salaried to receive assistance. That is actually what most agents of the Canada Revenue Agency, CRA, are currently saying on the telephone to hundreds, even thousands, of self-employed workers.
Concerning CRA agents, we can imagine that talking to them is often a nightmare and causes significant psychological distress for thousands of self-employed workers, as there is no solution. Since January 18, CRA agents have been conducting mass verifications of taxpayers who have received the Canada emergency response benefit, or CERB. They are checking earned incomes of $5,000 and more before the first CERB application. An announcement was made that it would take two to four weeks to carry out the verifications, but in reality, it is taking from six to 10 weeks and sometimes longer for some self-employed workers. We have seen it take as long as 18 weeks.
It should be pointed out that no CERB applications can currently be made while verifications are being conducted. Imagine the ordeal for those who have no other source of income during that period. Not to mention that the tone of some agents is disrespectful, to put it politely. We agree with verifications being carried out. That is normal. However, can they be limited to $5,000 of income, as stated in the messages?
Why is a self-employed worker who declared more than $25,000 in income and is calling an agent to obtain information on their file suddenly being told that, in the end, the CRA will check a host of other elements in their file? This only excessively extends wait times. That said, we cannot do anything about it, as we are currently somewhat dependent on CRA agents.
When self-employed workers say that, during the verifications, they have no other source of income, CRA agents are telling them all sorts of things. For instance, they tell them there are food banks and social assistance in their province, that it's not the agents' problem they decided to be self-employed, or that they should find themselves a job if they don't want to have problems.
The basic issue is that this status is not recognized. Let's collectively ask ourselves a question: how can we help nearly 3 million self-employed Canadians in a crisis?
Thank you.
View Louise Chabot Profile
BQ (QC)
Thank you.
My question is going to be about benefits and Service Canada.
As you said, Minister, there are many benefits that have been put in place to support workers or businesses. However, I want to bring to your attention the fact that many files stalled when workers applied for the Canada recovery benefit.
Service Canada would tell them that a file in their name was already open and that blocked their application. This happened to hundreds of thousands of people. There were delays of seven to eight weeks, even though people were entitled to benefits [Technical difficulty—Editor]. On this issue, there are still documents that say the forms are not tailored to their reality. Asking a self-employed person if he's looking for a job may not be the right question to ask. They are looking for clients. There are no jobs, because businesses are closed. All of this makes for delays.
Can you assure us of smooth and timely services?
Cliff C. Groen
View Cliff C. Groen Profile
Cliff C. Groen
2021-03-16 15:26
Thank you for your question.
Up-to-date delivery of benefits is a very high priority for our department. That is why, since the employment insurance program was re-launched in October, more than 98% of all claims have already been processed and more than 94% were processed according to service standards.
On the other hand, we know that clients have sent applications to Service Canada and then to the Canada Revenue Agency. We need to work out a number of details with these clients, before we can determine if they can apply to the agency. The Canada Revenue Agency and Service Canada have a process in place to handle these applications on a priority basis.
We are committed to addressing this issue.
Thank you.
View Wayne Long Profile
Lib. (NB)
Minister, certainly I'll echo that. Certainly in my constituency office here in Saint John-Rothesay, I got calls from people who simply didn't qualify for EI or whose benefits were running out, and to think that the other party was saying it was too generous.... These were people who literally couldn't afford to buy groceries, to pay their rent and so on. I think we can all agree that the CERB was a lifeline for really, as you say, eight million Canadians.
Minister, I want to switch to the CRB. When the CERB ended, a large portion of recipients were transitioned to a simplified EI program. Some were ineligible for EI benefits, and again all of us had those calls at the office.
As a result, our government created three Canada recovery benefits to support Canadians during the transition. How many Canadians in total have been helped by the recovery benefits?
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