Employment Insurance (EI): Everything You Need to Know

Extracted from CBC News online | Jackson Weaver

Workers and businesses hurt by the COVID-19 pandemic may be eligible for part of the $82 billion aid package announced Wednesday by Prime Minister Justin Trudeau, which includes $27 billion in direct support for those struggling to find work or care for family members.

The package, now before Parliament, stands to adjust the rules on who qualifies for employment insurance (EI), and includes two emergency benefits for those who don’t.

The emergency benefits aren’t yet available, but the government has released guidelines on who can apply, and how much relief Canadians can expect. Here’s how they’ll work.

Who qualifies for EI?

Whether you qualify for EI will still depend on your specific situation, such as regional rate of employment, and the number of hours worked in the last 52 weeks. The government recommends people apply as soon as possible to find out if they qualify; waiting more than four weeks after your last day of work means you could lose access to those benefits. 

To receive regular EI, you must have lost your job through no fault of your own, including lay-offs. EI sickness benefits include being unable to work because of illness or quarantine. Under Wednesday’s changes, the one-week waiting period for sickness benefits will be removed for those who have been told to self-isolate or quarantine, meaning applicants can be paid for the first week of their claim. 

If approved, the maximum amount paid out for EI is $573 a week. 

How do I apply?

Applicants usually need a medical certificate along with records of employment, though the new rules allow quarantined workers to apply without the former. If you can’t apply because you are quarantined, you can also file for EI sickness benefits later and have the claim backdated.

To apply for EI benefits, you can visit the website. Afterwards, you can apply to have the one-week waiting period waived by calling the government’s toll-free number at 1-833-381-2725, or teletypewriter at 1-800-529-3742.

It is also possible to apply in person at a Service Canada office, though those who are experiencing symptoms, or are in self-isolation or quarantine are instructed not to visit. 

What if I don’t qualify for EI?

The federal aid package also includes the Emergency Care Benefit and the Emergency Support Benefit.

The Emergency Care Benefit provides up to $900 every two weeks for up to 15 weeks, to those affected by COVID-19. It’s intended for those who don’t qualify for EI, can’t go to work and don’t have paid sick leave.

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