Life can change in an instant, and when illness, injury, or quarantine strikes, you might find yourself unable to work. In such situations, Employment Insurance (EI) Sickness Benefits in Canada provide crucial support, offering up to $695 per week for up to 26 weeks while you recover.
This benefit aims to help you focus on your health without the added stress of financial uncertainty. If you’re wondering how to qualify for these benefits, how much you can receive, and how to apply, this guide will walk you through the entire process.
Understanding EI Sickness Benefits
How Much Can You Receive?
The EI sickness benefit replaces 55% of your weekly earnings, up to $695 per week. Here’s how it works:
| Weekly Earnings | EI Sickness Benefit (55%) | Max Benefit ($695) |
|---|---|---|
| $800 | $440 | N/A |
| $1,500 | $695 | Yes |
- If you earn $800 per week, you will receive $440 in EI sickness benefits.
- If you earn $1,500 per week, you will receive the maximum of $695 per week (since it’s capped).
How Long Can You Receive Benefits?
The new EI sickness benefit duration is now up to 26 weeks, a significant increase from the previous 15 weeks. This extension reflects the reality that some medical conditions require a longer recovery time.
Eligibility Criteria: Do You Qualify?
To qualify for EI sickness benefits, you must meet the following criteria:
| Eligibility Factor | Requirement |
|---|---|
| Medical Condition | Unable to work due to illness, injury, or quarantine. |
| Income Loss | Must lose at least 40% of your regular income. |
| Work Hours | Must have worked at least 600 insured hours in the past 52 weeks. |
| Medical Certificate | Must provide a certificate from a doctor or authorized medical professional. |
Exceptions: If you have fewer than 600 work hours, you may still be eligible for alternative support, like provincial sick leave or disability benefits.
How to Apply for EI Sickness Benefits
Applying for EI sickness benefits is a straightforward process, but missing documents or information can delay your claim. Follow these steps:
- Gather Your Documents
- Social Insurance Number (SIN).
- Banking details for direct deposit.
- Employer history for the past 52 weeks.
- Medical certificate from a doctor.
- Submit Your Online Application Apply through the Government of Canada’s EI Sickness Benefits page. It typically takes about an hour. Pro Tip: Apply immediately after stopping work. You don’t need your Record of Employment (ROE) to start the application.
- Submit Required Documents
- Your employer may send your ROE electronically; if not, request and submit it.
- Be ready to provide your medical certificate if required.
- Benefit Statement After your application is submitted, you’ll receive a four-digit access code to track your application and submit biweekly reports.
- Receive Payments
- Once everything is processed, expect your first payment in about 28 days. Payments will be made through direct deposit.
Common Mistakes That Delay Applications
Avoid these common mistakes to speed up your approval:
- Applying more than 4 weeks after stopping work.
- Incorrect or missing information, especially regarding employer details.
- Not submitting a medical certificate.
- Forgetting to submit biweekly reports.
What Other Financial Support Exists?
If you don’t qualify for EI sickness benefits, or if your illness lasts beyond 26 weeks, there are other financial assistance programs:
| Program | Purpose |
|---|---|
| Canada Pension Plan (CPP) Disability | Long-term or permanent disabilities. |
| Workers’ Compensation | For work-related injuries. |
| Private Short-Term Disability Insurance | If your employer offers a plan. |
| Provincial Sick Leave Programs | Available in certain provinces. |
Returning to Work After EI Sickness Benefits
When you’re ready to return to work, here are some options:
- Gradual Return: Start working part-time before resuming full hours.
- Workplace Accommodations: Request lighter workloads or remote work options.
- Work-Sharing Benefits: This program allows you to work reduced hours while receiving EI.
When you’re laid up with illness or injury, EI sickness benefits offer essential financial support, giving you up to $695 per week for 26 weeks to aid in your recovery.
By following the application steps carefully and avoiding common mistakes, you can ensure that your claim is processed quickly.
And remember, if your situation requires longer-term support, other assistance options are available to help you get back on your feet.
FAQs
1. How much will I receive with EI sickness benefits?
You’ll receive 55% of your weekly earnings, up to a maximum of $695 per week.
2. How do I apply for EI sickness benefits?
Apply online through the Government of Canada’s website. Gather your documents and submit your application promptly.
3. What happens if my sickness lasts longer than 26 weeks?
If your condition extends beyond 26 weeks, you may qualify for Canada Pension Plan (CPP) Disability Benefits or Workers’ Compensation depending on the situation.