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Employment Insurance (EI) and Regular Benefits

Employment Insurance (EI) on-line services

Do you have a question about the EI program? The frequently asked questions might help!


Who is eligible?
Qualifying period
Maybe your old EI claim just needs to be reactivated
How, where and when to apply
What information/documents are needed to apply?
Number of hours of work required to qualify
Labour force attachment period
    
When will you receive your first payment?
A 2-week waiting period to serve
How long can regular benefits be paid?
In order to get paid...

You wish to get information about your EI insurance claim

How much will you receive?
How we calculate the amount you will receive
Calculation of the weekly benefit rate based on the best 14 weeks

Working while on EI
Taking courses or training programs
Various types of earnings
Quitting your job
Being fired for misconduct
Corporate downsizing
Labour disputes
      
EI Premiums
Repayment of benefits at income tax time
Regular benefits while temporarily absent of Canada
Your rights and responsibilities
Appealing a decision
Looking for work


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Who is eligible?

Regular benefits can be paid if you lose your job through no fault of your own, for example, due to shortage of work, seasonal or mass lay-offs and you are available for and able to work but you can’t find a job.

To be eligible for regular benefits you must show that:

  • you have been without work and without pay for at least 7 consecutive days; and
  • in the last 52 weeks or since your last claim, this period is called the qualifying period, you have worked for the required number of insurable hours. The hours are based on where you live and the unemployment rate in your economic region at the time of filing your claim for benefits.

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Qualifying period

The qualifying period is the shorter of :

Only the insurable hours that fall within the qualifying period are used to start a benefit period. However, the qualifying period may be extended up to 104 weeks if you were not employed in insurable employment and not receiving EI because you were:

If one of these reasons applies to you, it is your responsibility to request the extension of your qualifying period and to provide all supporting documents.

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Maybe your old EI claim just needs to be reactivated

If you filed a claim for benefits within the last 52 weeks, you may be able to reactivate this claim. To reactivate your claim, please submit an application on-line 24 hours a day, 7 days a week, anywhere you have Internet access, or during business hours at your Service Canada Centre. To know more...

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How, where and when to apply

To receive regular benefits you must submit an EI application on-line or in person at your Service Canada Centre, even if you receive or will receive money when you become unemployed.

You must request your Record of Employment (ROE) from your last employer. If you have your ROE from your last employer, apply immediately. If you did not receive your last ROE within 14 days of your last day of work, submit your application as soon as the 14 days are over, along with proof of employment, for example, pay stubs.  If one or more ROE covering periods prior to your last employment are missing, you must still submit your claim for benefits.

If getting your ROE is a problem, your Service Canada Centre can help you. You will have to fill out a form "Request for Record of Employment" explaining what efforts you have made to obtain it.  You will have to provide proof of your employment —such as: pay stubs, cancelled pay cheques, T4 slip, work schedules. If possible, we will use the proof to calculate your claim.

Delaying in filing your claim for benefits beyond 4 weeks after your last day of work may cause loss of benefits.

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What information/documents are needed to apply?

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Number of hours of work required to qualify

Most people will need between 420 and 700 insurable hours of work in their qualifying period to qualify, depending on the unemployment rate in their region at the time of filing their claim for benefits. To find out this number...

In some instances, a minimum of 910 hours in the qualifying period may be needed to qualify. For examples :

Particular situations: Effective December 11, 2005, if you are living in one of the 23 participating economic regions, you could qualify for regular benefits with a minimum of 840 hours instead of 910 hours. To know more...

When you show that you have at least 490 hours related to employment in the labour force during the labour force attachment period you will need between 420 and 700 insurable hours to qualify for regular benefits. Otherwise, you will need a minimum of 910 hours to qualify regular benefits. See examples 1 and 2...

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Labour force attachment period

The labour force attachment period is the 52-week period preceding immediately the qualifying period. In calculating the number of hours during which a person was a member of the labour force, we take into account :

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Example 1 (calendar available)

You submitted a claim for benefits on December 19, 2005. You have no previous violations. You have accumulated 810 insurable hours between February 13, 2005 and December 17, 2005. You have been working sporadically between December 21, 2003 and December 18, 2004 and have accumulated 310 insurable hours. You have received worker's compensation payments for 6 weeks, from May 16 to June 25, 2004 which counts as 6 weeks X 35 hours = 210 hours.

At the time of filing your claim for benefits, the unemployment rate is 6,8%, therefore, 665 insurable hours are required during the qualifying period to qualify for regular benefits.

During the labour force attachment period from December 21, 2003 and December 18, 2004 you have accumulated 520 hours related to employment activities of the labour force, thus 310 hours + 210 hours.

During the qualifying period from December 19, 2004 to December 17, 2005 you have accumulated 810 insurable hours.

As you show that you have at least 490 hours related to employment in the labour force during the labour force attachment period, you qualify for regular benefits. In this example, you needed 665 insurable hours and you have accumulated 810 insurable hours during the qualifying period.

 

Example 2 (calendar available)

You submitted a claim for benefits on December 19, 2005. You have no previous violations. You are in the work force for the first time and you have accumulated 778 insurable hours between February 13, 2005 and December 17, 2005. Between December 21, 2003 and December 18, 2004 you have not worked, nor received any EI benefits and you have no hours related to employment activities in the labour force.

During the labour force attachment period from December 21, 2003 to December 18, 2004 you have no hours related to employment activities of the labour force.

During the qualifying period from December 19, 2004 to December 17, 2005 you have accumulated 778 insurable hours.

As you do not show that you have at least 490 hours related to employment in the labour force during the labour force attachment period, you need a minimum of 910 insurable hours to qualify for regular benefits. However, you could qualify for maternity, parental and sickness benefits...

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Insurable hours required
Regional rate of unemployment Required number of hours of insurable employment in the last 52 weeks

0% to 6%

700 hours

6.1% to 7%

665 hours

7.1% to 8%

630 hours

8.1% to 9%

595 hours

9.1% to 10%

560 hours

10.1% to 11%

525 hours

11.1% to 12%

490 hours

12.1% to 13%

455 hours

13.1% and over

420 hours

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When will you receive your first payment?

If we have all the required information and if you can be paid benefits, your payment will be issued usually within 28 days from the date we receive your application. If you cannot be paid benefits, we will notify you of the decision made on your claim.

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A 2-week waiting period to serve

You must serve a 2-week unpaid waiting period before your EI benefits begin to be paid. Generally, this period is the first 2 weeks of your claim. This is like a deductible for any kind of insurance. On the other hand, if you reopen a claim for benefits in which you have already served a 2-week waiting period, you do not serve another 2-week waiting period.

Earnings made, for example, vacation pay, severance pay or allocated during the 2-week waiting period will be deducted in the first 3 weeks for which benefit is otherwise payable following the waiting period. See example 1... These weeks do not need to be consecutive nor to follow immediately the waiting period. Once these 3 weeks payable have passed, if some earnings from waiting period still remain, they will just be ignored. See example 2...

Earnings allocated to any week of the waiting period result in a dollar for dollar deduction equal to your weekly benefit rate. This means that the maximum deduction for the 2-week waiting period is twice your weekly benefit rate.

Each working day for which you are not entitled to benefits that fall within the 2-week waiting period is calculated at 1/5 of your weekly benefit rate, as earnings to be deducted in the first 3 weeks during which benefits become payable. For example, your weekly benefit rate is $250 and in the first week of your waiting period you are not entitled to benefits for 2 days. We calculate 2/5 of $250.00 or — $250 ÷ 5 x 2 = $100.00 — as earnings during the waiting period. A combination of earnings and days for which you are not entitled to benefits, that falls within the waiting period, can be deducted at the same time. See example 3...

Example 1 – Earnings affecting 1st week payable (calendar available)

Claim starts January 2, 2005
2-week waiting period is from January 2 to January 15m 2005
Weekly benefit rate is $300
Vacation pay of $195 allocated to week of January 2, 2005

The total amount to be deducted as earnings from the waiting period is $195

Payment for the week of January 16, 2005 is $105, meaning $300 - $195.

 

Example 2 – Remaining earnings ignored after the first 3 weeks payable (calendar available)

Claim starts on January 2, 2005
2-week waiting period is from January 2 to January 15, 2005
Weekly benefit rate is $400
Vacation pay of $395 allocated to week of January 2, 2005 — 1st week of waiting period
$350 as earnings in the week of January, 9 2005 — 2nd week of waiting period
$380 as earnings in the week of January 16, 2005
$360 as earnings in the eek of January 23, 2005
$380 as earnings in the week of January 30, 2005
No earnings for the week of February 6, 2005
Starting the week of January 16, 2005 you are allowed to earn $100 per week 

The total amount to be deducted as earnings from the waiting period is $745, thus $395 + $350

The 1st week payable is January 16, 2005:
$400 benefit rate + $100 allowable earnings - $380 earnings = $120 is payable
but, $120 is deducted as earnings from the waiting period
$625 remains as earnings to be deducted, meaning $745 - $120

The 2nd week payable is January 23, 2005:
$400 benefit rate + $100 allowable earnings - $360 earnings = $140 is payable
but, $140 is deducted as earnings from the waiting period
$485 remains as earnings to be deducted, meaning $625 - $140

The 3rd week payable is January 30, 2005:
$400 benefit rate + $100 allowable earnings - $380 earnings = $120 is payable
but, $120 is deducted as earnings from the waiting period

The 4th week payable isFebruary 6:
the remaining $365, meaning $485 - $120, are ignored because the earnings from the waiting period cannot be deducted further than the first 3 weeks payable

Payment for the week of February 6, 2005 is $400.

 
Example 3 – Combination of earnings and days not entitled to benefits (calendar available)

Claim starts January 2, 2005
2-week waiting period is from January 2 to January 15, 2005
Weekly benefit rate is $300
Vacation pay of $195 allocated to week of January 2, 2005 — 1st week of waiting period
Not entitled to benefits for 3 days, January 12, 13 and 14, equal $180, meaning 3/5 of $300 or $300 ÷ 5 x 3 — 2nd week of waiting period

The total amount to be deducted as earnings from the waiting period is $375, meaning $195 + $180

The 1st week payable is January 16, 2005, only $300 is deducted since the deduction cannot exceed the weekly benefit rate

The remaining earnings of $75 is deducted in the 2nd week payable of  January 23, 2005

Payment for the week of January 23, 2005 is $225, meaning $300 - $75. 

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How long can regular benefits be paid?

Regular benefits can be paid from 14 to a maximum of 45 weeks. The number of weeks of benefits which may be paid are determined at the start date of the benefit period, based on the unemployment rate in your region and the amount of insurable hours you have accumulated in the qualifying period.

Please note that the number of weeks of benefits which may be paid does not change even if you move in another region after the start date of your claim. 

Please note that a pilot project on increased weeks of EI beneifits is available. To find out if the pilot project applies to you...

The period of time in which you can claim the weeks you are eligible is 52 weeks. This period  ends when the first of the followings occurs :

The duration of the benefit period may be extended up to 104 weeks, but the number of weeks of benefits which may be paid will remain unchanged.  Therefore, the benefit period may be extended if you were not paid EI benefits during a benefit period because you were :

If one of these reasons applies to you, it is your responsibility to request the extension of your benefit period and to provide all  supporting documents.

Please note that if you are a working woman who receives or will receive both EI benefits and preventive withdrawal, your benefit period might not be extended. Learn how to avoid that situation and receive full maternity and parental benefits...

Number of weeks payable
Unemployment rate in economic region

Hours
of
Work

6% 
and
under

+
6%
 to
7%

+
7%
 to
8%

+
8% 
to
9%

+
9% 
to
10%

+
10% 
to
11%

+
11% 
to
12%

+
12% 
to
13%

+
13%
 to
14%

+
14% 
to
15%

+
15% 
to
16%

+
16%

420-454

 

 

 

 

 

 

 

 

26

28

30

32

455-489

 

 

 

 

 

 

 

24

26

28

30

32

490-524

 

 

 

 

 

 

23

25

27

29

31

33

525-559

 

 

 

 

 

21

23

25

27

29

31

33

560-594

 

 

 

 

20

22

24

26

28

30

32

34

595-629

 

 

 

18

20

22

24

26

28

30

32

34

630-664

 

 

17

19

21

23

25

27

29

31

33

35

665-699

 

15

17

19

21

23

25

27

29

31

33

35

700-734

14

16

18

20

22

24

26

28

30

32

34

36

735-769

14

16

18

20

22

24

26

28

30

32

34

36

770-804

15

17

19

21

23

25

27

29

31

33

35

37

805-839

15

17

19

21

23

25

27

29

31

33

35

37

840-874

16

18

20

22

24

26

28

30

32

34

36

38

875-909

16

18

20

22

24

26

28

30

32

34

36

38

910-944

17

19

21

23

25

27

29

31

33

35

37

39

945-979

17

19

21

23

25

27

29

31

33

35

37

39

980-1014

18

20

22

24

26

28

30

32

34

36

38

40

1015-1049

18

20

22

24

26

28

30

32

34

36

38

40

1050-1084

19

21

23

25

27

29

31

33

35

37

39

41

1085-1119

19

21

23

25

27

29

31

33

35

37

39

41

1120-1154

20

22

24

26

28

30

32

34

36

38

40

42

1155-1189

20

22

24

26

28

30

32

34

36

38

40

42

1190-1224

21

23

25

27

29

31

33

35

37

39

41

43

1225-1259

21

23

25

27

29

31

33

35

37

39

41

43

1260-1294

22

24

26

28

30

32

34

36

38

40

42

44

1295-1329

22

24

26

28

30

32

34

36

38

40

42

44

1330-1364

23

25

27

29

31

33

35

37

39

41

43

45

1365-1399

23

25

27

29

31

33

35

37

39

41

43

45

1400-1434

24

26

28

30

32

34

36

38

40

42

44

45

1435-1469

25

27

29

31

33

35

37

39

41

43

45

45

1470-1504

26

28

30

32

34

36

38

40

42

44

45

45

1505-1539

27

29

31

33

35

37

39

41

43

45

45

45

1540-1574

28

30

32

34

36

38

40

42

44

45

45

45

1575-1609

29

31

33

35

37

39

41

43

45

45

45

45

1610-1644

30

32

34

36

38

40

42

44

45

45

45

45

1645-1679

31

33

35

37

39

41

43

45

45

45

45

45

1680-1714

32

34

36

38

40

42

44

45

45

45

45

45

1715-1749

33

35

37

39

41

43

45

45

45

45

45

45

1750-1784

34

36

38

40

42

44

45

45

45

45

45

45

1785-1819

35

37

39

41

43

45

45

45

45

45

45

45

1820-

36

38

40

42

44

45

45

45

45

45

45

45

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In order to get paid...

In order to get paid you must complete a report by Internet, telephone or mail every 2 weeks. These report are very important as regular payments cannot be issued without them.

Shortly after applying for EI, you will receive a Benefit statement in the mail indicating your Access code and the date your first claimant's report is due. Keep in mind that this does not mean that a decision has been made yet on your claim.

Along with your Benefit statement you will also receive instructions on how to complete your report with our Internet reporting service or our Telephone reporting service. If you cannot complete your claimant's reports by Internet or by telephone, you will need to complete and mail them to us. To find out how to complete your report by mail, just follow these step-by-step instructions.

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You wish to get information about your EI insurance claim

If you have a current or previous claim for EI benefits, you can with our Internet service My Employment Insurance (EI) Information on-line:

Please note, if your bank account information changes or if you move, it is important that you let us know as soon as possible. You can update your mailing address, telephone number and direct deposit information by using My Employment Insurance (EI) Information on-line.

You can also obtain information about your EI claim by calling our Telephone Information Service 1 800 206-7218 and choosing Option 1.

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How much will you receive?

The basic benefit rate is 55% of your average insured earnings up to a maximum amount of $413 per week. Your EI payment is a taxable income, meaning federal and provincial or territorial — if it applies — taxes will be deducted.

You could receive a higher benefit rate if you are in a low-income family — net income up to a maximum of $25,921 per year — with children and you or your spouse receive the Canada Child Tax Benefit (CCTB) Government of Canada site. You are then entitled to the Family Supplement.

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How we calculate the amount you will receive

Effective October 30, 2005, if you are living in one of the 23 participating economic regions you may take advantage of a new method of calculation of your weekly benefit rate. This new method of calculation is based on the best 14 weeks of insurable earnings over the last 52 weeks of work. To know more...

If you are not living in one of the 23 participating economic regions, the amount of your weekly benefit payment depends on your total earnings before deductions including tips and commissions, in the last 26 weeks, and is calculated in the following manner:

  1. We look at the total earnings you have been paid in the last 26 weeks ending with your last day of work.
     
  2. We take into consideration the number of weeks in which you have worked in the last 26 weeks.
     
  3. We determine the unemployment rate in your region and the minimum divisor that applies at that unemployment rate.
     
  4. We determine your average weekly insured earnings, by dividing your total earnings in the last 26 weeks by the greater of:
     
    a) the number of weeks you have worked in the last 26 weeks; or
    b) the minimum divisor number.
    Important: The divisor cannot be less than 14 or greater than 26.
     
  5. We then multiply the result by 55% to obtain your weekly benefit. The maximum amount is $413 per week. (See examples A, B and C).


Divisor
Unemployment rate in your region Minimum divisor

0% to 6%

22

6.1% to 7%

21

7.1% to 8%

20

8.1% to 9%

19

9.1% to 10%

18

10.1% to 11%

17

11.1% to 12%

16

12.1% to 13%

15

13.1% and over

14

 

Example A

In the last 26 weeks you worked for 26 weeks and earned a total of $10,400. You live in an area where the unemployment rate is 13.1%; so the divisor is 14. To determine your average weekly earnings, we calculate $10,400 ÷ 26 = $400. We use the number of weeks worked as it is greater than the divisor.

To determine your weekly benefit rate, we calculate 55% of $400 = $220.

 

Example B

In the last 26 weeks you worked for 12 weeks and earned a total of $3,600.  You live in an area where the unemployment rate is 13.1%; so the divisor is 14. To determine your average weekly earnings, we calculate $3,600 ÷ 14 = $257. We use the minimum divisor as it is greater than the number of weeks worked.

To determine your weekly benefit rate, we calculate 55% of $257 = $141.

 

Example C

In the last 26 weeks you worked for 17 weeks and earned a total of $5,100. You live in an area where the unemployment rate is 11.5%; so the divisor is 16. To determine your average weekly earnings, we calculate $5,100 ÷ 17 = $300. We use the number of weeks worked as it is greater than the divisor.

To determine your weekly benefit rate, we calculate 55% of $300 = $165.

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Particular situations...

If you have earned less than $225 a week, small weeks, any time during the last 26 weeks of work, it may be possible for us, under certain conditions, to exclude earnings from small weeks in the calculation of your benefit rate. To find out how the exclusion of small weeks works...

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Working while on EI

You can't work full time and receive EI benefits. However, you can work part-time while you are receiving regular benefits. You can earn $50 per week or 25% of your weekly benefits, whichever is higher. Any monies earned above that amount will be deducted dollar for dollar from your benefits.

However, effective December 11, 2005, if you are living in one of the 23 participating economic regions, the amount you can earn while working part-time and receiving EI benefits is the greater of $75 or 40 % of weekly benefits. To know more...

You must report any earnings you make while collecting regular benefits.

Tip: Use the reporting calendar — PDF 11 kb — to keep track of your earnings and hours worked. About PDF Files.

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Various types of earnings

Earnings paid or payable by your employer at the end of your employment or while you are receiving benefits, generally affect payment of your benefits. To know more...

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Quitting your job

If you voluntarily quit your job without just cause, you will not be paid regular benefits. After quitting a job, you must work the minimum number of insurable hours required to get regular benefits. However, you may still be paid maternity, parental, sickness and compassionate care benefits as long as you qualify for these benefits. To know more...

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Being fired for misconduct

If you are fired due to your own misconduct, you will not be paid regular benefits. After being fired for misconduct, you must work the minimum number of insurable hours required to get regular benefits. However, you may still be paid maternity, parental, sickness and compassionate care benefits as long as you qualify for these benefits. To know more...

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Corporate downsizing

When enterprises reduce permanently the size of their work force, EI will help them and their employees get through the process. If your employer is downsizing and offers you the opportunity to quit your job in order to protect another person’s job, you can leave your job without penalty. However, the company must show that the layoff is permanent and that your departure protects another person’s job.

When faced with downsizing it is best to first consult with an EI officer to ensure that all conditions which might affect you, are considered. Do not take anything for granted. To know more on work force reduction measures…

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Labour disputes

If a strike, a lockout or other form of labour dispute where you work causes you to lose your job or prevents you from going to work, you will generally not be paid EI benefits. The following conditions apply whether you are a union member or not and whether your job is part or full-time.

You may, however, be eligible to receive benefits if:

If you are taking part in a labour dispute, you are not eligible for EI until :

If you had already arranged for an approved absence from work before the work stoppage started, such as sick leave, maternity leave, parental leave or authorized training, you may still be paid EI benefits.

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EI premiums

You will pay premiums on all your earnings up to the annual maximum salary of $39,000. This means that deductions for year 2006 is set to $1.87 for every $100 of salary until $39,000 has been reached. The maximum contribution amount will be $729.30.

Please note that the EI premium rate for 2006 for Quebec residents is set to $1.53 for every $100 of salary until $39,000 has been reached. The maximum contribution amount will be $596.70 for these individuals. To know more…Government of Canada site

There is no age limit for deducting EI premiums. In fact, if you are working in insurable employment, your employer deducts from you salary the applicable EI premiums, whatever your age. To know more on payroll deductions... Government of Canada site

New for 2007 – As of January 1st, 2007 you must pay EI premiums on all your earnings up to the annual maximum salary of $40,000. The EI premium rate is set to $1.80 for every $100 of salary until $40,000 has been reached. The maximum contribution amount will be $720.00.

As for Quebec residents, the EI premium rate is set to $1.46 for every $100 of salary until $40,000 has been reached. The maximum contribution amount will be $584.00 for these individuals. To know more… Government of Canada site

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Regular benefits while temporarily absent from Canada

Under most circumstances you are not allowed to receive regular benefits for any period in which you are not in Canada. However, you can receive regular benefits provided that you are available for work in Canada and that you inform your Service Canada Centre of your temporary absence in the following situations :

Immediate family: Father, mother, stepfather, stepmother, foster parent, brother, sister, stepbrother, stepsister, spouse, your child or the child of your spouse,  father-in-law, mother-in-law, a dependant or a relative residing in your household or a relative with whom you permanently live with.

A close relative: A grandparent, grandchild, son-in-law, daughter-in-law, brother-in-law, sister-in-law, uncle, aunt, niece and nephew.

Your spouse: Person you are married to or common law partner of more than one year or less where children are present.  

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Your rights and responsibilities

It is very important for you to know about your rights and responsibilities...

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Appealing a decision

If you disagree with an EI related decision you have the right to appeal. Information on how to file and prepare for an appeal can be found at Serving Employment Insurance Appellants...  Government of Canada site 

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Looking for work

While claiming regular benefits you must be actively looking for work... Government of Canada site