Quantifying Employment Insurance Benefits (8:VI) - Revision history

LSLAP at 19:08, 13 October 2025

2025-10-13T19:08:50Z

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	{{REVIEWED LSLAP \| date= August ~~8, 2024~~}}		{{REVIEWED LSLAP \| date= 1 August 2025}}
	{{LSLAP Manual TOC\|expanded = EI}}		{{LSLAP Manual TOC\|expanded = EI}}

LSLAP: /* 1. The Calculation Period */

2025-09-28T20:02:21Z

1. The Calculation Period

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	=== 1. The Calculation Period ===		=== 1. The Calculation Period ===

	The calculation period is the number of weeks~~, consecutive or not, determined based on the applicable regional rate of unemployment as below,~~ in which the claimant received the highest insurable earnings.		The calculation period is the number of weeks in which the claimant received the highest insurable earnings. The weeks do not have to be consecutive, and their number is determined by the claimant’s regional rate of unemployment.

	{\| class="wikitable"		{\| class="wikitable"

LSLAP: /* A. Benefit Rate */

2025-09-28T20:01:55Z

A. Benefit Rate

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	Section 14 of the ''EI Act'' outlines the benefit rate, which is typically 55% of the claimant’s weekly insurable earnings, subject to a maximum limit.		Section 14 of the ''EI Act'' outlines the benefit rate, which is typically 55% of the claimant’s weekly insurable earnings, subject to a maximum limit.

	The current maximum weekly benefit ceiling stands at $650 per week. It is always important to verify this information on Service Canada’s “Employment Insurance Regular Benefits” [https://www.canada.ca/en/services/benefits/ei/ei-regular-benefit/benefit-amount.html webpage] to ensure its accuracy, as it may be subject to updates.

	As of January 1, 2024, the maximum yearly insurable amount has been set at $63,200.		As of January 1, 2024, the maximum yearly insurable amount has been set at $63,200.

LSLAP: /* C. Effect of Earnings */

2025-09-21T20:59:50Z

C. Effect of Earnings

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 == C. Effect of Earnings ==
-The benefit payable to a claimant may be reduced if the claimant has “earnings” during the benefit period. It may be possible both to work part-time and receive EI benefits at the same time, but all income must be reported on the report cards.
+A claimant may work while receiving EI, however their benefits will be reduced. Under the “Working While on Claim” program, a threshold is set at 90% of the claimant’s weekly insurable earnings. For every dollar they earn below that threshold, their EI benefits are reduced by 50 cents. Above the threshold, EI benefits are deducted dollar-for-dollar.
 === 1. Earnings During the Waiting Period ===

LSLAP at 12:04, 8 August 2024

2024-08-08T12:04:45Z

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	The current maximum weekly benefit ceiling stands at $650 per week. It is always important to verify this information on Service Canada’s “Employment Insurance Regular Benefits” [https://www.canada.ca/en/services/benefits/ei/ei-regular-benefit/benefit-amount.html webpage] to ensure its accuracy, as it may be subject to updates.		The current maximum weekly benefit ceiling stands at $650 per week. It is always important to verify this information on Service Canada’s “Employment Insurance Regular Benefits” [https://www.canada.ca/en/services/benefits/ei/ei-regular-benefit/benefit-amount.html webpage] to ensure its accuracy, as it may be subject to updates.

	As of January 1, ~~2023~~, the maximum yearly insurable amount has been set at $61,~~500~~.		As of January 1, 2024, the maximum yearly insurable amount has been set at $63,200.

	== B. Weekly Insurable Earnings ==		== B. Weekly Insurable Earnings ==

Clicklaw Editor: /* C. Effect of Earnings */

2023-08-29T18:52:08Z

C. Effect of Earnings

← Older revision		Revision as of 18:52, 29 August 2023
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	As soon as a claimant completes the one-week EI waiting period, the Working While on Claim project will automatically apply to any money the claimant earns while the claimant is collecting EI benefits.		As soon as a claimant completes the one-week EI waiting period, the Working While on Claim project will automatically apply to any money the claimant earns while the claimant is collecting EI benefits.

	'''How It Works'''		'''How It Works'''<BR>
	The Commission sets a threshold which is 90% of the claimant’s weekly insurable earnings. Below this threshold, for every dollar a claimant earns, 50 cents will be deducted from their benefits. Above this threshold, EI benefits are deducted dollar-for-dollar.		The Commission sets a threshold which is 90% of the claimant’s weekly insurable earnings. Below this threshold, for every dollar a claimant earns, 50 cents will be deducted from their benefits. Above this threshold, EI benefits are deducted dollar-for-dollar.

	'''Example from Service Canada Website'''		'''Example from Service Canada Website'''<BR>
	Melissa was laid off when the construction company where she worked lost a major contract. Her weekly earnings averaged $800, so her weekly EI benefits rate is $440 (55% of $800). She has found a part-time job at another construction company where she works one day and earns $160.		Melissa was laid off when the construction company where she worked lost a major contract. Her weekly earnings averaged $800, so her weekly EI benefits rate is $440 (55% of $800). She has found a part-time job at another construction company where she works one day and earns $160.

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	:'''Note''': Claimants do not have to apply to the Working While on Claim project as it will automatically be applied to their claim.		:'''Note''': Claimants do not have to apply to the Working While on Claim project as it will automatically be applied to their claim.

	'''What if the claimant works or lives outside Canada?'''		'''What if the claimant works or lives outside Canada?'''<BR>
	If the claimant is living in the United States and works in Canada, or if the claimant crossed the Canada–United States border between the claimant’s residence and workplace and the claimant is receiving EI benefits, the Working While on Claim project will apply. Visit the Employment Insurance and Workers and/or Residents outside Canada [https://www.canada.ca/en/services/benefits/ei/ei-outside-canada.html Webpage] for more information.		If the claimant is living in the United States and works in Canada, or if the claimant crossed the Canada–United States border between the claimant’s residence and workplace and the claimant is receiving EI benefits, the Working While on Claim project will apply. Visit the Employment Insurance and Workers and/or Residents outside Canada [https://www.canada.ca/en/services/benefits/ei/ei-outside-canada.html Webpage] for more information.

Clicklaw Editor at 18:51, 29 August 2023

2023-08-29T18:51:00Z

LSLAP at 20:37, 23 August 2023

2023-08-23T20:37:44Z

Show changes

Clicklaw Editor: /* C. Effect of Earnings */

2022-09-09T00:11:41Z

C. Effect of Earnings

← Older revision		Revision as of 00:11, 9 September 2022
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	The benefit payable to a claimant may be reduced if the claimant has “earnings” during the benefit period. It may be possible both to work part-time and receive EI benefits at the same time, but all income must be reported on the report cards.		The benefit payable to a claimant may be reduced if the claimant has “earnings” during the benefit period. It may be possible both to work part-time and receive EI benefits at the same time, but all income must be reported on the report cards.

	The "EI Working While on Claim" project is a way to help claimants stay connected with the labour market (''EI Regulations'', ss 77.95-77.96).. It applies to claimants earning money while collecting any of the following types of EI benefits:		The "EI Working While on Claim" project is a way to help claimants stay connected with the labour market (''EI Regulations'', ss 77.95-77.96). It applies to claimants earning money while collecting any of the following types of EI benefits:

	*regular benefits		*regular benefits

Clicklaw Editor: /* 2. Earnings of Sick or Pregnant Claimants under Supplemental Unemployment Benefit Plans */

2022-09-09T00:06:06Z

2. Earnings of Sick or Pregnant Claimants under Supplemental Unemployment Benefit Plans

← Older revision		Revision as of 00:06, 9 September 2022
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	Individual Supplemental Unemployment Benefit plans must be approved by the Commission, which ensures that they meet the requirements of s 37(2).		Individual Supplemental Unemployment Benefit plans must be approved by the Commission, which ensures that they meet the requirements of s 37(2).

	An employee normally benefits from these plans while drawing EI benefits. If the worker is ineligible for EI, ~~he or she~~ may still qualify for Supplemental Unemployment Benefits that do not count as earnings for the purpose of determining waiting periods.		An employee normally benefits from these plans while drawing EI benefits. If the worker is ineligible for EI, they may still qualify for Supplemental Unemployment Benefits that do not count as earnings for the purpose of determining waiting periods.


	{{LSLAP Manual Navbox\|type=chapters8-14}}		{{LSLAP Manual Navbox\|type=chapters8-14}}

← Older revision		Revision as of 18:51, 29 August 2023
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	== A. Benefit Rate ==		== A. Benefit Rate ==


	Section 14 of the ''EI Act'' outlines the benefit rate, which is typically 55% of the claimant’s weekly insurable earnings, subject to a maximum limit.		Section 14 of the ''EI Act'' outlines the benefit rate, which is typically 55% of the claimant’s weekly insurable earnings, subject to a maximum limit.


	The current maximum weekly benefit ceiling stands at $650 per week. It is always important to verify this information on Service Canada’s “Employment Insurance Regular Benefits” [https://www.canada.ca/en/services/benefits/ei/ei-regular-benefit/benefit-amount.html webpage] to ensure its accuracy, as it may be subject to updates.		The current maximum weekly benefit ceiling stands at $650 per week. It is always important to verify this information on Service Canada’s “Employment Insurance Regular Benefits” [https://www.canada.ca/en/services/benefits/ei/ei-regular-benefit/benefit-amount.html webpage] to ensure its accuracy, as it may be subject to updates.


	As of January 1, 2023, the maximum yearly insurable amount has been set at $61,500.		As of January 1, 2023, the maximum yearly insurable amount has been set at $61,500.


	== B. Weekly Insurable Earnings ==		== B. Weekly Insurable Earnings ==


	A claimant’s weekly insurable earnings are their insurable earnings in the calculation period divided by the number of weeks in the calculation period.		A claimant’s weekly insurable earnings are their insurable earnings in the calculation period divided by the number of weeks in the calculation period.


	=== 1. The Calculation Period ===		=== 1. The Calculation Period ===


	The calculation period is the number of weeks, consecutive or not, determined based on the applicable regional rate of unemployment as below, in which the claimant received the highest insurable earnings.		The calculation period is the number of weeks, consecutive or not, determined based on the applicable regional rate of unemployment as below, in which the claimant received the highest insurable earnings.


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	\| 14		\| 14
	\|}		\|}


	== C. Effect of Earnings ==		== C. Effect of Earnings ==


	The benefit payable to a claimant may be reduced if the claimant has “earnings” during the benefit period. It may be possible both to work part-time and receive EI benefits at the same time, but all income must be reported on the report cards.		The benefit payable to a claimant may be reduced if the claimant has “earnings” during the benefit period. It may be possible both to work part-time and receive EI benefits at the same time, but all income must be reported on the report cards.


	The “EI Working While on Claim” project is a way to help claimants stay connected with the labour market (''EI Regulations'', ss 77.95-77.96). With “Working While on Claim,” you can keep receiving part of your Employment Insurance benefits and all earnings from your job. You can qualify if you receive any type of EI benefits.		The “EI Working While on Claim” project is a way to help claimants stay connected with the labour market (''EI Regulations'', ss 77.95-77.96). With “Working While on Claim,” you can keep receiving part of your Employment Insurance benefits and all earnings from your job. You can qualify if you receive any type of EI benefits.


	As soon as a claimant completes the one-week EI waiting period, the Working While on Claim project will automatically apply to any money the claimant earns while the claimant is collecting EI benefits.		As soon as a claimant completes the one-week EI waiting period, the Working While on Claim project will automatically apply to any money the claimant earns while the claimant is collecting EI benefits.


	'''How It Works'''		'''How It Works'''

	The Commission sets a threshold which is 90% of the claimant’s weekly insurable earnings. Below this threshold, for every dollar a claimant earns, 50 cents will be deducted from their benefits. Above this threshold, EI benefits are deducted dollar-for-dollar.		The Commission sets a threshold which is 90% of the claimant’s weekly insurable earnings. Below this threshold, for every dollar a claimant earns, 50 cents will be deducted from their benefits. Above this threshold, EI benefits are deducted dollar-for-dollar.


	'''Example from Service Canada Website'''		'''Example from Service Canada Website'''

	Melissa was laid off when the construction company where she worked lost a major contract. Her weekly earnings averaged $800, so her weekly EI benefits rate is $440 (55% of $800). She has found a part-time job at another construction company where she works one day and earns $160.		Melissa was laid off when the construction company where she worked lost a major contract. Her weekly earnings averaged $800, so her weekly EI benefits rate is $440 (55% of $800). She has found a part-time job at another construction company where she works one day and earns $160.

	Automatically, 50 cents of her EI benefits are deducted for every dollar she earns. Since she earned $160, her benefits are reduced by $80 ($160 ÷ 2). This brings her total EI benefits to $360 ($440 - $80). So, Melissa takes home $520 per week in combined EI benefits and wages ($360 of EI benefits + $160 in wages).		Automatically, 50 cents of her EI benefits are deducted for every dollar she earns. Since she earned $160, her benefits are reduced by $80 ($160 ÷ 2). This brings her total EI benefits to $360 ($440 - $80). So, Melissa takes home $520 per week in combined EI benefits and wages ($360 of EI benefits + $160 in wages).


	:'''Note''': Claimants do not have to apply to the Working While on Claim project as it will automatically be applied to their claim.		:'''Note''': Claimants do not have to apply to the Working While on Claim project as it will automatically be applied to their claim.


	'''What if the claimant works or lives outside Canada?'''		'''What if the claimant works or lives outside Canada?'''

	If the claimant is living in the United States and works in Canada, or if the claimant crossed the Canada–United States border between the claimant’s residence and workplace and the claimant is receiving EI benefits, the Working While on Claim project will apply. Visit the Employment Insurance and Workers and/or Residents outside Canada [https://www.canada.ca/en/services/benefits/ei/ei-outside-canada.html Webpage] for more information.		If the claimant is living in the United States and works in Canada, or if the claimant crossed the Canada–United States border between the claimant’s residence and workplace and the claimant is receiving EI benefits, the Working While on Claim project will apply. Visit the Employment Insurance and Workers and/or Residents outside Canada [https://www.canada.ca/en/services/benefits/ei/ei-outside-canada.html Webpage] for more information.


	=== 1. Earnings During the Waiting Period ===		=== 1. Earnings During the Waiting Period ===


	All earnings during the waiting period are deducted dollar-for-dollar from the benefits payable in respect of the first three weeks for which benefits are otherwise payable. There is thus little incentive to work during the waiting period.		All earnings during the waiting period are deducted dollar-for-dollar from the benefits payable in respect of the first three weeks for which benefits are otherwise payable. There is thus little incentive to work during the waiting period.


	=== 2. Earnings of Sick or Pregnant Claimants under Supplemental Unemployment Benefit Plan ===		=== 2. Earnings of Sick or Pregnant Claimants under Supplemental Unemployment Benefit Plan ===


	Amounts paid to the claimant during periods of illness or pregnancy under an approved Supplemental Unemployment Benefit plan will not be deducted from EI benefits. These plans allow the employer to “top up” the regular EI benefits without reductions.		Amounts paid to the claimant during periods of illness or pregnancy under an approved Supplemental Unemployment Benefit plan will not be deducted from EI benefits. These plans allow the employer to “top up” the regular EI benefits without reductions.


	Individual Supplemental Unemployment Benefit plans must be approved by the Commission, which ensures that they meet the requirements of s. 37(2) of the ''EI Regulations''.		Individual Supplemental Unemployment Benefit plans must be approved by the Commission, which ensures that they meet the requirements of s. 37(2) of the ''EI Regulations''.


	An employee normally benefits from these plans while drawing EI benefits. If the worker is ineligible for EI, they may still qualify for Supplemental Unemployment Benefits that do not count as earnings for the purpose of determining waiting periods.		An employee normally benefits from these plans while drawing EI benefits. If the worker is ineligible for EI, they may still qualify for Supplemental Unemployment Benefits that do not count as earnings for the purpose of determining waiting periods.