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COVID-19 National Resource Centre

As the national association representing Canada’s chiropractic profession, our primary responsibility is to assist our members with managing the impact of the pandemic and to assist them to prioritize the health and welfare of patients in an ever changing environment. Given the current COVID-19 pandemic, you can find accurate, evidence-based information and guidance at your fingertips.

The information that follows is a collection of useful reference resources to help chiropractors, patients and chiropractic students as the COVID-19 pandemic evolves. The content on this page will be reviewed daily and updates will be provided as new information and resources become available.

News

March 31: COVID-19 update: Trudeau addresses Canadians | Special coverage
March 27: Backgrounder on additional support for Canadian businesses from the economic impact of COVID-19

Resources for Chiropractors 

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Frequently Asked Questions*

*If you are a member of the CCA, please join our private Facebook Group to connect with colleagues and CCA staff.

The Canadian Chiropractic Association urges all chiropractors to comply with local and federal public health recommendations. Chiropractors are also required to adhere to provincial regulatory college directives or recommendations.

It is the individual practitioner’s responsibility to exercise their best professional judgement and decide whether to continue providing care, suspend non-essential care, and/or provide emergency or acute care.

In determining what is essential and non-essential treatment, and deciding whether to close your clinic, follow the directives of your regulatory college as policies around treatments are determined by them.

There is no standard definition. We urge chiropractors to exercise their best judgment and contact their provincial regulator if they have any questions.

The Prime Minister and health leaders are urging Canadians to work from home. Some cities and provinces have declared a state of emergency, which empowers governments to shut down public or private buildings (including clinics) if it’s deemed in the public interest.

We urge chiropractors to check with their provincial regulatory body and consult the guidance for the Public Health Agency of Canada’s guidance for health professionals.

We have prepared a collection of resources to help you communicate your decision to close with patients. You can access them in the member resources centre below.

The Canadian government has provided a list of resources for businesses, which includes information about supporting employees, the financial implications of closing and more. Federal and provincial governments — as well as major banks and lenders — have announced support for small businesses. We have included this information in our member resources below.

Most provinces have announced that no evictions can be carried out during the pandemic. However, if you rent, you should reach out to your landlord and ask for rent deferrals.

Termination of staff should only be a last resort. Prior to a layoff, consider

  • Reducing hours
  • Reorganizing shifts
  • Encourage staff to use their personal time off allowance and vacation time
  • Tele-work where possible
  • ‘Topping up’ – similar to those employers offer during maternity leaves

Consider if a temporary layoff is possible, keeping in mind

  • There is a legal risk, especially if you lay staff off but do not pay them during that time
  • This is time-limited, and duration varies depending on your province of residence. For example, in Ontario, chiropractors could temporary layoff their staff for 13 consecutive weeks in a 20-week period. If employees are not recalled after 13 weeks, then they are deemed terminated
  • In cases where employees have anxiety and feel unsafe to come to work due to fear of exposure to COVID-19 – consider allowing for a leave of absence.

Seek legal advice before making a decision and contact MaxPeople HR at 1 888 709 1236 Ext. 133 or at info@maxpeoplehr.com for advice.

Disclaimer: This information is general and subject to change over time. Seek legal, accounting, HR advice to respond to your specific circumstances.

 

Public Health Agency of Canada

WHO – for healthcare providers

Your Mental Health

Canadian Psychological Association Fact Sheets

  • Psychological Impacts of the Coronavirus (COVID-19) – PDF | HTML
  • Psychological Practice and the Coronavirus (COVID-19) – PDF | HTML
  • Working from Home During COVID-19, With and Without Children – PDF | HTML
  • Coping With and Preventing COVID-19 – PDF | HTML

Clinic Resources


Federal Support and Financial Aid Programs

Please note that the information provided is synthesized from the various federal government announcements made on March 18, 2020. Please visit regularly as this page will be updated as additional announcements are made and program details are released.

Canada’s Minister of Finance asked Canadians to communicate directly with their banks to discuss their particular situations to obtain the support they need. The six largest financial institutions in Canada have made a commitment to work with personal and small business banking customers on a case-by-case basis to provide flexible solutions and provide the opportunity for relief on credit products.

After reviewing the Government of Canada’s new Economic Measures to Support Canadians, below is a summary of the measures that may be of benefit to CCA members. Chiropractors and their staff are encouraged to set up a CRA account as soon as possible to facilitate access to financial support programs once implemented in April.

NOTE: The Government of Canada has announced financial support programs and more measures are currently being considered and will be forthcoming. We will monitor and continue to update this page as information becomes available. Members should review program criteria and use their judgment as to which federal financial assistance program is best suited to their needs.

Quick guide

The following is an overview summary of what the Canadian government is doing to help you access federal funding and information. Following it is more detailed information. This page will be updated as new information becomes available so please visit frequently for the latest updates.

As a first step, set up a CRA account if you have not done so as it is one of the best and most secure ways to access federal support and manage your business needs. The CRA home page has a link to register for an account. A Help and FAQs page offers information to get started. Most chiropractors should be able to qualify for the Emergency Response Benefit announced on March 25, 2020.

Other important sources of information:

  • The Government of Canada’s website for businesses has information about supporting your employees and your business. It will be updated as the COVID-19 crisis evolve.
  • Download the Canada Business App to find tailored supports to address your specific needs and questions about COVID-19.
  • Consult the Canadian Chamber of Commerce’s pandemic preparedness guide to help prepare your business in the days and weeks to come.
  • Contact your bank as they have committed to support businesses and individuals in a responsible, fair and compassionate way. To help provide some stability for businesses through this time of uncertainty, the Office of the Superintendent of Financial Institutions (OSFI) is lowering the Domestic Stability Buffer requirement, releasing more than $300 billion of additional lending capacity for Canadian financial institutions.

Quick Links to Government Programs & Resources for Business

  • On March 25, the Emergency Care Benefit and the Emergency Support Benefit were combined into the Emergency Response Benefit. This streamlines the application process and ensures Canadians who do not have access to income due to the pandemic are covered. It is expected to be available as of April 6.
  • It will provide $2,000 a month for four months for those who have lost their income because of COVID-19 including:
    • Those who have lost their job, contractors, self-employed, those who are sick, in quarantine, or are taking care of children or seniors
    • People who still have a job but do not receive salary can also access the benefit
    • All employees of a business, including the owner, are eligible
    • An online portal for applications will be available soon and Canadians can receive the benefit within 10 days of applying. This section will be updated to include the link as soon as available.
  • Chiropractors should set up CRA accounts as soon as possible to ensure timely access to this program.

CERB will be taxable like EI, but the tax will only be taken during the next income filling.

March 31 CERB FAQ

Can I work minimally seeing emergency patients and qualify for CERB?

Yes. You must be able to illustrate that for 14 consecutive days in every 4 week period you are not working, and the rest of the 4 week period you may earn some income. If you are in a practice with more than one chiropractor, you can split seeing patients in alternate two week periods.

Is there a cap under CERB of what I can make and still qualify?

At this time, the legislation does not have a cap on topping up your income but regulations can be introduced at any time. Keep your additional income to a minimum and only see emergency patients.

If I am in practice with my partner/spouse can we both apply for CERB?

Yes. It is an individual benefit.

Is it a taxable benefit?

Not at the point of payment but you will have to claim it in your taxes at the end of the year as income.

Can I apply for the $40,000 loan for small businesses or any of the other emergency credit for small businesses?

Yes, the only restriction is you cannot apply for EI.

Do students qualify for CERB if they graduated and were supposed to start working in March or April?

You will only qualify if you have earned $5,000 in the previous year. If you did not work, you won’t be eligible for this benefit. You will need to apply for student loan forgiveness and engage family support during this period unless the government releases another emergency benefit for students

Further information on CERB is available on the website of the legal firm Fasken. All their COVID-19 bulletins can be found here.


Participating Banks

Other Participating Institutions

  • Canada Emergency Business Account
    • Enables banks to offer $40,000 loans guaranteed by the government to qualifying businesses
    • Subject to conditions, the loans will be interest free for the first year and $10,000 will be forgivable
    • Additional details to be provided once available
  • Improving access to guaranteed loans for small and medium-sized businesses through an additional $12.5 billion funding to Export Development Canada and the Business Development Bank of Canada
  • Deferring GST and HST payments until June 2020 – equivalent to giving $30 billion to businesses

  • Wage subsidy covering up to 75% of wages for qualifying businesses will be available for:
    • Businesses of all sizes (The number of people a business employs will not determine its eligibility)
    • Businesses that have seen at least a 30-per-cent drop in revenues due to COVID-19
  • CEWS will cover the first $58,700 that Canadians earn, up to $847 a week to help you retain your employees
  • There is currently no information as to overall cost estimate or on when payments under the program will begin.
  • We will provide further information as it becomes available.
  • Further information on wage subsidies for employers is available on the website of the legal firm Fasken. All their COVID-19 bulletins can be found here.

On March 27, the Bank of Canada lowered its target for the overnight interest rate to 0.25 per cent. The Bank Rate is correspondingly lowered to 0.5 per cent and the deposit rate to 0.25 per cent. This decision is intended to support the Canadian financial system and economy.

  • The government launched an Insured Mortgage Purchase Program (IMPP) and will purchase up to $50 billion of insured mortgage pools through the Canada Mortgage and Housing Corporation (CMHC) to provide long-term stable funding to banks and mortgage lenders, The goal is to facilitate continued lending to Canadian consumers and businesses, and add liquidity to Canada’s mortgage market.
  • Details on CMHC programs can be viewed here.
  • CMHC is prepared to further support the liquidity of the financial markets through its mortgage funding programs as necessary.
  • The Bank of Canada has announced that it will adjust its market liquidity operations to maintain market functioning and credit availability.
    • Canada’s large banks have affirmed their commitment to working with customers to provide flexible solutions, on a case-by-case basis. Support will include up to a 6-month payment deferral for mortgages, and the opportunity for relief on other credit products.

Bank of Montreal

  • BMO has introduced a financial relief program with flexible financial relief options for personal and small business customers. To help you with immediate relief, BMO offers up to a 6-month payment deferral on mortgages, loans, credit cards, and lines of credit with no fee (payment will be deferred but interest will continue to accrue) and no changes to account terms.

Royal Bank of Canada

  • Relief programs for personal and business clients who have experienced financial hardship have been created. Some programs are available by self-serve for up to one month, including the possibility to skip a mortgage payment, an auto-loan payment, and/or a personal loan payment.
  • Relief options are considered on a case-by-case basis and may include:
    • Business loan payment deferrals
    • Increases to operating line of credit limits
    • Waiving of credit card minimum payments
    • Waived fees for new enrollments to cash management solutions

TD Canada Trust

  • TD will work with personal and small business customers on a case-by-case basis to provide flexible solutions to help them manage through challenges such as:
    • Pay disruption
    • Childcare disruption due to school closures; or those facing illness from COVID-19. This support will include up to a six-month payment deferral for mortgages, and the opportunity for relief on other credit products
  • Call TD at 1-888-720-0075 for more information.

CIBC

  • CIBC will work with clients on a case-by-case basis to provide flexible solutions to help manage challenges, including up to a 6-month payment deferral for mortgages and the opportunity for relief on other credit products.
  • Due to a high volume of calls, CIBC encourages those who are experiencing financial hardship to first complete the bank’s financial assistance form.
  • Clients whose individual situation requires immediate attention, such as having a payment due in the next 48 hours, can talk to their CIBC advisor by calling 1-877-454-9030.

Scotiabank

  • Scotiabank will work with customers on a case-by-case basis to help understand, and hopefully alleviate, financial hardships their clients may be experiencing, including mortgage payment deferrals and relief on credit products.
  • If a client, or any member of their family, has become unemployed or experiences a material reduction in income, they may be eligible to qualify for relief measures until September 13, 2020, including
    • Mortgage deferrals – clients will not be required to make regular payments on for up to 6 months. During that time interest will continue to accrue.
    • Personal Loans or Auto Loans – on unsecured and secured term loans, you can defer up to 3 months of payments.
    • Lines of Credit – on unsecured and secured lines of credit, you can defer up to 3 months of minimum payments.
    • Credit Cards – on secured and unsecured credit cards, you can defer your minimum payment for up to 3 months.
  • To access financial relief, clients should contact their financial advisor or call 1-800-4-SCOTIA.

National Bank

  • Clients directly affected by the current situation and may have difficulty making their payments could be eligible for special measures.
  • Measures may include payment deferrals of up to six months on mortgages or longer amortization periods. Special loans to cover living expenses may also be offered.

This program is most suited for administrative staff in chiropractic clinics. It is designed to help employers and employees avoid layoffs when there is a temporary reduction in the normal level of business activity that is beyond the control of the employer.

  • The Government of Canada will introduce enhancements to the Work-Sharing Program – a three-way agreement that can be negotiated between Service Canada, the employer and the employee to provide EI benefits to workers who agree to reduce their normal working hour as a result of developments beyond the control of their employers. Special measures include:
    • Extension of the maximum duration from 38 weeks to 76 weeks
    • Waiving the 30 day wait period for those who have used the work-sharing program in the past.

  • Tax filing deadline is extended until June 1st, 2020
  • Taxes on individual income and corporation income will not have to be paid until September 1st,2020
  • www.canada.ca/en/revenue-agency.html

The Government of Canada has enhanced the Employment Insurance Program by waiving the one-week waiting period and the requirement for a medical certificate for employment insurance (EI) sickness benefits to provide immediate support for workers in quarantine. They have also introduced an Emergency Support Benefit to provide support to workers facing unemployment who are not eligible for EI.

For guidance on how to prepare a Record of Employment (ROE), please visit Employment and Social Development Canada’s online guide at https://www.canada.ca/en/employment-social-development/programs/ei/ei-list/reports/roe-guide/understand.html

Notes

  • This guide contains general information about how to complete the ROE. If you are submitting ROEs on the Web and you need technical information, please consult the help instructions on ROE Web or call the Employer Contact Centre at 1-800-367-5693 (TTY: 1-855-881-9874).
  • For the most up-to-date information about ROEs, please consult their ROE web pages.

Employment Insurance

  • Benefits provide up to 15 weeks of income replacement and is available to eligible claimants who are unable to work because of illness, injury or quarantine, to allow them time to restore their health and return to work.
  • The one-week waiting period for EI sickness benefits will be waived for new claimants who are quarantined so they can be paid for the first week of their claim
  • People claiming EI sickness benefits due to quarantine will not have to provide a medical certificate

  • $400 for single adults
  • $600 for couples

  • $300 more per child will be provided to supplement the Canada Child Benefit Program.

 


The Canadian Chamber of Commerce has developed a Pandemic Preparedness Guide to support businesses. In addition to the guide, which provides useful info about business continuity and crisis plans and best practices, their website has webinars, toolkits and links to government programs.

 

Provincial Resources

Click the following links to access resources and updates from your provincial association or regulator.

Alberta College and Association of Chiropractors (ACAC)

Email: office@albertachiro.com
Phone: 780-420-0932

Province of Alberta

 

Resources for Patients

Patients

Frequently Asked Questions

Chiropractors across Canada are making individual decisions whether to keep their practice open and are staying abreast of recommendations by their provincial regulatory colleges. Individual chiropractors exercise their judgement to determine if they are able to continue to provide care; suspend non-essential care; and/or provide emergency or acute care.

Please call ahead of scheduled appointments and speak directly with clinic staff to see if appointments are continuing.

During this pandemic it is important to adhere to self-isolation if you have recently travelled anywhere outside of Canada. It is also every Canadian’s responsibility to self-identify COVID-19 symptoms as described by the Government of Canada when seeing a healthcare worker and decrease the risk of transmission to others though self-isolation.

Call to discuss your situation and seek advice. Your chiropractor may be able to recommend another clinic that is open and able to accept emergency or acute care patients.

If your chiropractor has determined it is appropriate for their clinic to close and you need emergency or acute care, you can use our Find a Chiro search function to locate another clinic in your area and contact them to see if they are able to provide the care you require.

If your province has a government toll-free health inquiries line, call them for advice.

Call ahead to ensure the clinic is open and ask what services are being provided.

Patients with compromised health may be asked to stay at home or to attend the clinic in designated low traffic times.

A practical step you can take is to wait outside or in you car for your appointment. Either have staff call you or you call them to determine when your chiropractor is ready to see you.

Chiropractors have been advised to take extra precautionary measures such as:

  • Increasing the frequency of cleaning/sterilization processes of medical equipment and tools;
  • Introducing sanitization protocols to all clinic touchpoints including, but not limited to, door handles, desks, display units, and payment terminals;
  • Enhancing the cleaning and sanitization process for all display frames, mirrors, and sample products;
  • Keep doors that are not essential for privacy open to avoid contact with hands;
  • Imposing mandatory self-isolation for all chiropractors, other clinic health care providers and staff who have travelled outside of Canada;
  • Offering sanitizer dispensers at key location throughout your clinics; and
  • Removing all magazines, toys, etc. from waiting rooms.
  • For patients with upcoming appointments who are experiencing a fever, cough, difficulty breathing, or have travelled or been in contact with individuals who have travelled outside of Canada, we request that for your safety and those of others, you reschedule the appointment.

As nobody knows exactly how long this pandemic will affect Canadians, chiropractors rely on the advice of Public Health leaders in their provinces and country as well as the advice of provincial regulatory colleges.

Due to the evolving nature of this global pandemic, office closures are indefinite at this time.

No. The Government of Canada recommends that all travellers from outside Canada self-isolate for 14 days to contribute to the slowing the spread of COVID-19.

 

Government of Canada

World Health Organization

There is no credible scientific evidence that chiropractic spinal adjustment/manipulation confers or boosts immunity. Chiropractors should refrain from any communication that suggests spinal adjustment/manipulation may protect patients from contracting COVID-19 or will enhance their recovery. Doing otherwise is potentially dangerous to public health. Chiropractic regulators across Canada are monitoring for such statements and if you see any, contact your province’s chiropractic regulator to let them know.

 

Resources for Students

Students

Website: www.cmcc.ca/covid19updates 
Phone: 416-482-2340

Website: www.uqtr.ca/covid19 
Email: chiropratique@uqtr.ca
Phone: 819-376-5011 poste 4483

Website: www.uws.edu/coronavirus-resources/

The UWS campus remains open and operating. The library, clinics and other support operations remain open and functioning during normal business hours. The gym at the current campus and the fitness center at the new campus will close March 13.

As of March 16: D.C. & AOM classes have moved to remote instruction. Access to NYCC campus/facilities is limited to employees only.

Website: www.nycc.edu/coronavirus
Phone 1-800-234-6922

Federal Government

The Canadian government announced that it would “place a six-month interest-free moratorium on the repayment of Canada Student Loans for all individuals currently in the process of repaying these loans.” The moratorium would last until September 30, 2020.

“Pending parliamentary approval, these measures will become effective March 30, 2020, and will include pre-authorized debits.”

 

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