COVID-19 Income Replacement for Temporary Foreign Workers

Cowan Insurance Group continues to provide you with the support and answers you need as updates to legislation and regulations are announced.

We are in constant communication with our industry counterparts and the Canadian Life and Health Insurance Association (CLHIA), and monitor changes to the Employment Standards Act and Legislated Leaves.

Income replacement for Temporary Foreign Workers during COVID-19

What should I do if…?

My worker(s) is/are in a voluntary or mandatory quarantine but are not sick or have not tested positive for COVID-19.

My worker(s) has/have been involved in a COVID-19 outbreak at the workplace, and it is deemed a work-related incident or outbreak (two or more cases).

  • Your provincial Workers Compensation Insurance Board may be covering these claims. Check with them as your first point of contact. You can find contact information for each provincial Workers Compensation Board here: Canadian Centre for Occupational Health and Safety. Once on this page, scroll down to your applicable province’s website and visit their COVID-19 information pages.
  • Learn how we can help with managing your occupational claims through our Occupational Claims Management Services (OCMS).

My worker(s) has/have tested positive for COVID-19, and this is not considered a workplace-related situation.


A provincial Workers Compensation Board has denied the claim(s).


My worker is feeling ill, showing symptoms of COVID-19 and has yet to be tested, or has been tested and is awaiting their test results.

Complete the following:

  1. Your Short-Term Disability Form (see chart below)
  2. Employee Confirmation of Illness Form (.PDF)
  3. Submit along with three to four weeks’ worth of pay-stub information to the Return to Health team at
Program Name Short-Term Disability Claim Form
  • F.E.R.M.E.
  • SAWP Mexico
  • Dotemex
Click here to download
  • Trinidad & Tobago SAWP
  • Jamaican Liaison Service
  • Eastern Caribbean Liaison Service
  • Guatemalan Health Care Plan (ComuGuate)
  • A.R.I.M.E.
  • Agricultural Worker Health Care Plan
Click here to download



For additional information, please contact Cowan Insurance Group at or call toll-free 1-866-912-6926.