공지사항 EI도 받고, CERB도 받는 법

[피터인밴]

이글은 다음 글로 업데이트 되었습니다.

[우벤유] COVID-19 & 캐나다 이민 & CERB

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안녕하세요? 정말 안녕하시지요?

우벤유 이민팀 피터입니다.

코로나바이러스로 인해 캐나다 정부는 연일 지원책을 발표하고 있습니다.

여러 대책이 있고, 연일 업데이트되다보니, 혼동이 있어서 정리해봤습니다.

Q. Canada Emergency Response Benefit은 캐나다시민권자만 받을 수 있다던데?

그렇지 않습니다. 다음 글을 참고해주시기 바랍니다.

Canada Emergency Response Benefit 적용 대상에 대한 오해

Q. EI를 받으면, CERB를 못받는다던데?

그렇지 않습니다. 

이와 관련된 정부의 공식 발표문은 다음과 같습니다.

Canadians who are already receiving EI regular and sickness benefits as of today would continue to receive their benefits and should not apply to the CERB. 

If their EI benefits end before October 3, 2020, they could apply for the CERB once their EI benefits cease, if they are unable to return to work due to COVID-19. Canadians who have already applied for EI and whose application has not yet been processed would not need to reapply. 

Canadians who are eligible for EI regular and sickness benefits would still be able to access their normal EI benefits, if still unemployed, after the 16-week period covered by the CERB.

이걸 번역하자면 다음과 같습니다.

현 시점에 이미 EI regular and sickness benefits을 받고 있는 Canadians(시티즌이 아닙니다)은 EI 혜택을 계속 받을 것이며, CERB를 신청할 필요가 없다.

만약, 그들의 EI 혜택이 2020년 10월 3일 이전에 끝났는데, COVID-19로 인해 업무에 복휘할 수 없다면, EI 혜택이 끝날 때 CERB를 신청할 수 있다.

이미 EI를 신청했으나 아직 프로세싱이 되지 않은 사람들의 다시 신청할 필요는 없다.

EI regular and sickness benefits의 조건이 되는 사람들은 16주간의 CERB 혜택이 끝났는데도 여전히 고용되지 않았다면, normal EI benefits를 받을 수 있다.

이것은 다음과 같이 이해됩니다.(저로서는요)

이미 EI를 신청한 경우에는 CERB를 다시 신청하지 마라. 4월 6일부터는 자동으로 CERB 프로그램에서 우선적으로 혜택을 받을 것이다.

그런데, 만약 16주 동안의 CERB 혜택이 끝났음에도 여전히 COVID-19로 인해 취업을 하지 못하는 경우에는 남아 있는 EI 혜택을 받을 것이다.

아... 어렵습니다.

이걸 다시 사례로 정리해보면 다음과 같이 이해될 수 있겠습니다.

(각각 혜택은 신청시에 각 프로그램의 신청 조건에 해당되어야 합니다.)

A라는 사람의 경우,

3월 1일, 고용이 해지되어 EI regular 또는 sickness benefits을 신청했습니다. 그렇다면, 3월 1일부터 3월 14일까지는 신청한 EI 혜택을 받습니다.

그리고, 3월 15일부터 16주간 CERB 혜택을 받습니다.

그런데, CERB 혜택이 모두 끝났음에도 취업을 하지 못했다면, 나머지 EI를 받을 수 있습니다.

B라는 사람의 경우,

3월 15일, 고용이 해지되었고, 아직 EI regular 또는 sickness benefits를 신청하지 않았습니다. 그렇다면, 4월 6일 CERB를 신청할 수 있습니다.

그리고, 3월 15일부터 소급되어 16주간 CERB 혜택을 받습니다.

그런데, CERB 혜택이 모두 끝났음에도 취업을 하지 못했다면, 그 때 EI를 신청할 수 있습니다.

그렇다면, CERB를 신청하기 위해서는 어떤 서류를 준비해야 할까요?

3월 25일 제정된, Canada Emergency Response Benefit Act 본문에는 다음과 같은 표현이 있습니다. 아직 정해진 바가 없습니다. ㅠ 구체적인 내용은 업데이트되겠지요 ㅠㅠ

An applicant must provide the Minister with any information that the Minister may require in respect of the application.

또한 다음과 같은 표현도 있습니다.

An employed worker does not cease work for the purpose of paragraph (1)(a) if they quit their employment voluntarily.

즉, 자발적으로 일을 그만둔 것이 아니라는 것을 입증하는 서류가 필요해 보입니다.

정리하자면, 

3월 15일 이전에 고용이 해지된 분들은 EI regular 또는 sickness benefits를 신청하여 3월 14일치까지의 EI를 받으시면 됩니다.

3월 15일부터 고용이 해지된 분들은 4월 6일부터 열리는 CERB를 신청하여 최대 16주 동안 혜택을 받으시면 됩니다.

CERB 혜택이 끝날때까지도 재취업이 되지 않은 분들은 다시 EI를 신청하여 혜택을 받으실 수 있습니다.

혹시라도, 제 해석에 오류가 있다면, 알려주십시오.

확인하여 수정하겠습니다.

그리고 글을 퍼가신다면, 출처는 남겨주세요 ㅠ

욕을 먹더라도 제가 먹어야지요 ㅠ

감사합니다.

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추가적으로 

Canada Emergency Response Benefit Act 원문 전체를 첨부합니다.

출처링크

Canada Emergency Response Benefit Act

Enactment of Act

8 The Canada Emergency Response Benefit Act is enacted as follows:

An Act respecting income support payments for workers (coronavirus disease 2019)

Short title

1 This Act may be cited as the Canada Emergency Response Benefit Act.

Definitions

2 The following definitions apply in this Act.

COVID-19 means the coronavirus disease 2019. (COVID-19)

Minister means the Minister of Employment and Social Development.

week means the period of seven consecutive days beginning on and including Sunday.

worker means a person who is at least 15 years of age, who is resident in Canada and who, for 2019 or in the 12-month period preceding the day on which they make an application under section 5, has a total income of at least $5,000 — or, if another amount is fixed by regulation, of at least that amount — from the following sources:

(a) employment;

(b) self-employment;

(c) benefits paid to the person under any of subsections 22(1), 23(1), 152.04(1) and 152.05(1) of the Employment Insurance Act; and

(d) allowances, money or other benefits paid to the person under a provincial plan because of pregnancy or in respect of the care by the person of one or more of their new-born children or one or more children placed with them for the purpose of adoption.

Regulations — definition of worker

3 With the consent of the Minister of Finance, the Minister may, by regulation, fix an amount for the purposes of the definition worker in section 2.

Payment

4 The Minister must make an income support payment to a worker who makes an application under section 5 and who is eligible for the payment.

Application

5 (1) A worker may, in the form and manner established by the Minister, apply for an income support payment for any four-week period falling within the period beginning on March 15, 2020 and ending on October 3, 2020.

Limitation

(2) No worker is permitted to file an application after December 2, 2020.

Information

(3) An applicant must provide the Minister with any information that the Minister may require in respect of the application.

Eligibility

6 (1) A worker is eligible for an income support payment if

(a) the worker, whether employed or self-employed, ceases working for reasons related to COVID-19 for at least 14 consecutive days within the four-week period in respect of which they apply for the payment; and

(b) they do not receive, in respect of the consecutive days on which they have ceased working,

(i) subject to the regulations, income from employment or self-employment,

(ii) benefits, as defined in subsection 2(1) of the Employment Insurance Act,

(iii) allowances, money or other benefits paid to the worker under a provincial plan because of pregnancy or in respect of the care by the worker of one or 15 more of their new-born children or one or more children placed with them for the purpose of adoption, or

(iv) any other income that is prescribed by regulation.

Exclusion

(2) An employed worker does not cease work for the purpose of paragraph (1)(a) if they quit their employment voluntarily.

Regulations

(3) The Minister may, by regulation,

(a) exclude a class of income from the application of subparagraph (1)(b)(i); and

(b) prescribe any other income for the purposes of subparagraph (1)(b)(iv).

Amount of payment

7 (1) The amount of an income support payment for a week is the amount fixed by regulation for that week.

Regulations

(2) With the consent of the Minister of Finance, the Minister may, by regulation, fix the amount of an income support payment for a week specified in the regulation.

Distinguishing — classes

(3) Regulations made under subsection (2) may distinguish among different classes of workers.

Maximum number of weeks

8 (1) The maximum number of weeks for which income support payments may be made to a worker is 16 weeks or, if another number of weeks is fixed by regulation, that number of weeks.

Regulations

(2) With the consent of the Minister of Finance, the Minister may, by regulation, fix a number of weeks for the purpose of subsection (1).

Social Insurance Number

9 The Minister is authorized to collect and use, for the purposes of the administration and enforcement of this Act, the Social Insurance Number of a person who makes an application under this Act.

Provision of information and documents

10 The Minister may, for any purpose related to verifying compliance or preventing non-compliance with this Act, by notice served personally or by confirmed delivery service, require that any person provide any information or document within the reasonable time that is stated in the notice.

Payments cannot be charged, etc.

11 An income support payment

(a) is not subject to the operation of any law relating to bankruptcy or insolvency;

(b) cannot be assigned, charged, attached or given as security;

(c) cannot be retained by way of deduction, set-off or compensation under any Act of Parliament other than this Act; and

(d) is not garnishable moneys for the purposes of the Family Orders and Agreements Enforcement Assistance Act.

Return of erroneous payment or overpayment

12 (1) If the Minister determines that a person has received an income support payment to which the person is not entitled, or an amount in excess of the amount of such a payment to which the person is entitled, the person must repay the amount of the payment or the excess amount, as the case may be, as soon as is feasible.

Recovery as debt due to Her Majesty

(2) The amount of the erroneous payment or overpayment, as determined by the Minister, constitutes a debt due to Her Majesty in right of Canada, as of the day on which it was paid, that may be recovered by the Minister.

Certificate of default

(3) The amount of any debt referred to in subsection (2) may be certified by the Minister, and registration of the certificate in the Federal Court has the same effect as a judgment of that Court for the amount specified in the certificate and all related registration costs.

Limitation or prescription period

13 (1) Subject to subsections (2) to (7), no action or proceedings are to be taken to recover money owing under this Act after the expiry of the six-year limitation or prescription period that begins on the day on which the money becomes due and payable.

Deduction, set-off or compensation

(2) Money owing by a person under this Act may be recovered at any time by way of deduction from, set-off against or compensation against any sum of money, including an income support payment under this Act, that may be due or payable by Her Majesty in right of Canada to the person, other than an amount payable under section 122.61 of the Income Tax Act.

Acknowledgment of liability

(3) If a person’s liability for money owing under this Act is acknowledged in accordance with subsection (5), the time during which the limitation or prescription period has run before the acknowledgment does not count in the calculation of that period.

Acknowledgment after expiry of limitation or prescription period

(4) If a person’s liability for money owing under this Act is acknowledged in accordance with subsection (5) after the expiry of the limitation or prescription period, an action or proceedings to recover the money may, subject to subsections (3) and (6), be brought within six years after the date of the acknowledgment.

Types of acknowledgment

(5) An acknowledgment of liability means

 (a) a promise to pay the money owing, made by the person or their agent, mandatary or other representative;

(b) an acknowledgment of the money owing, made by the person or their agent, mandatary or other representative, whether or not a promise to pay can be implied from it and whether or not it contains a refusal to pay;

(c) a part payment by the person or their agent, mandatary or other representative of any money owing; or

(d) an acknowledgment of the money owing, made in the course of proceedings under the Bankruptcy and Insolvency Act or any other legislation dealing with the payment of debts by the person, their agent, mandatary or other representative or the trustee or administrator.

Limitation or prescription period suspended

(6) The running of a limitation or prescription period in respect of money owing under this Act is suspended during any period in which it is prohibited to commence or continue an action or other proceedings against the per-son to recover money owing under this Act.

Enforcement proceedings

(7) This section does not apply in respect of an action or proceedings relating to the execution, renewal or enforcement of a judgment.

No interest payable

14 No interest is payable on any amount owing to Her Majesty in right of Canada under this Act as a result of an erroneous payment or overpayment.