While on EI

You must submit reports every 2 weeks for as long as you receive Employment Insurance (EI) benefits. They help show your ongoing eligibility and make sure you get the benefits to which you're entitled.

You'll need your social insurance number and the 4-digit access code we mailed you to submit your reports by internet or by phone.

Once you submit your report, we’ll tell you when to complete your next one. You have 3 weeks from that date to submit the report.

Situations that may impact your benefits

Earning money while receiving EI benefits

If you work or earn money, you must indicate it on your report. If you don't inform Service Canada, you risk being overpaid and having to repay benefits.

You'll be able to keep 50 cents of your Employment Insurance (EI) benefits for every dollar you earn, up to 90% of the weekly insurable earnings used to calculate your EI benefit amount, if you work while receiving regular benefits and have served your waiting period. If you earn any money above this 90%, we'll deduct it dollar for dollar from your benefits.

For more information, visit the Working While on Claim page.

When you work and receive benefits at the same time, you must report your work earnings and hours for each week you work, in the week in which the work occurred.

If you receive other payments while receiving EI, some types of earnings will be deducted from your EI benefits, while other types of income have no impact on your EI benefits. You can refer to the earnings chart to find out if a payment constitutes earnings for benefit purposes and, if so, how those earnings are allocated.

If you travel outside of Canada

You’re not usually eligible to receive regular benefits while you’re away from Canada. However, you may receive regular benefits if you show that you’re available for work in Canada while abroad. You must also notify us of your travel on My Service Canada Account (MSCA) or through your bi-weekly report.

You can be outside Canada for a period of 7 consecutive days for the purpose of:

You can be away from Canada for a period of 14 consecutive days for the purpose of conducting a bona fide job search.

If you indicate that you’ve taken measures to be reached if an employment opportunity presents itself during your absence and that you’re able to return to Canada within 48 hours, we’ll accept that you’ve proven your availability.

One measure we take to enforce this rule is to compare EI information with information from the Canada Border Services Agency. If we find you’ve been out of the country while collecting benefits, we’ll determine whether you were entitled to receive those benefits. If you weren’t entitled to receive them, we’ll calculate how much we overpaid you, and you’ll then have to repay the benefits.

We may also impose penalties of up to 3 times your weekly benefit rate or 3 times the amount of your overpayment. As well, you may have to work more hours or, in the case of fishing benefits, you may need more insurable earnings to qualify for benefits in the future.

When payments stop

You stop receiving benefits if:

If you start working before you finish your current EI claim, you must tell us when you complete your EI report so we can adjust or stop your claim, depending on whether the work is full-time, part-time or by contract. If the work is short-term or a contract, you may re-activate your EI claim and continue to receive your biweekly payments when you’re laid off.

You can receive different types of benefits one after the other

You can normally receive up to 50 weeks of benefits when regular benefits are combined with maternity, parental, sickness or caregiving benefits in the same benefit period (of 52 weeks).

The only exception is when EI regular benefits and extended parental benefits are paid during the 52-week period. As extended parental benefits are paid at a benefit rate of 33% of your average weekly insurable earnings, once 50 weeks of benefits have been paid, the weeks of extended parental benefits will be converted to an equivalent number of weeks that would have been paid at the 55% benefit rate. This conversion will determine how many more weeks of regular benefits and special benefits can be paid to reach the equivalent of 50 weeks paid at the 55% benefits rate. Any weeks where you return to work during this period will be considered weeks paid for the purposes of calculating the equivalent of 50 weeks paid at the 55% benefit rate. Once the number of additional weeks that can be paid is determined, the 52-week benefit period will be extended to allow for the additional weeks to be paid.

It's important to note that you can’t receive more than 1 type of benefit at the same time.

If you’re not well, someone else can manage your benefits for you

If you’re unable to manage your own affairs due to health problems, a person other than an Employment and Social Development Canada employee may be appointed to act on your behalf. In that case, the form Appointment of Representative must be completed and returned with your EI application.

If you’re eligible for EI, we’ll authorize the payment of benefits to the representative acting on your behalf.

Requesting EI benefits on behalf of a deceased person

When a person dies, EI benefits payable to that person up to and including the day of the death may be paid to the legal representative Footnote 1 , or to a person authorized to inherit property of the deceased person.

If the deceased person had not applied for EI benefits, the legal representative must do the following, in the name of the deceased person, before benefits can be paid:

If the deceased person was receiving EI benefits before death, the legal representative must complete the form Request for Payment of Benefit on Behalf of a Deceased Person to cancel these benefits.

If EI benefits are paid after the death of someone in your family, the legal representative must repay the overpayment by making a cheque or money order to the Receiver General for Canada and sending it to the nearest overpayment recovery office.

It is important to notify the federal government of a death as quickly as possible to avoid overpayment of other benefit types.

Work-Sharing

The EI Work-Sharing Program assists employers and employees facing lay-offs due to a decline in production. With the Work-Sharing agreement, available work is redistributed through a voluntary reduction in hours worked by all employees within 1 or more work units. This enables the employer to retain a full work force on a reduced work week, rather than laying off part of his or her work force. Employees are able to remain on the job and maintain skills and working habits and avoid uncertainties and hardship associated with total unemployment

Situations where you may owe money

Deductions can never be taken for money owed directly to a person or company. However, deductions can be taken from your EI benefits to repay money you owe, if:

A mistake on your EI report can affect your claim

We work to protect the EI program from misuse. One of the ways we do this is by working with employers and claimants to ensure the accuracy of the information we receive. With your help, we can reduce the amount of misuse and ensure that the EI program is used as it should be — as a program that provides temporary financial assistance to individuals who qualify.

A mistake is an unintentional act. We know claimants can make mistakes when filing their reports.

Common mistakes include:

Some mistakes can delay benefit payments, while others can affect the amount of benefits you receive — meaning you were paid more or less than you were entitled to receive.

Estimating your earnings can have the following effects:

If you notice a mistake on a completed form or report, or if there is a change in your circumstances that could affect your EI claim, tell Service Canada immediately. This will help prevent any future problems with your claim.

You may be penalized if you make a false statement related to your claim

A misrepresentation occurs when someone knowingly completes a statement without declaring essential information, , makes false or misleading representations or statements, or misrepresents facts to make a false claim for benefits. You could face severe monetary penalties or prosecution in these cases. However, if you disclose your actions to Service Canada before an investigation begins, we may waive any monetary penalties and prosecutions that might otherwise apply.

Here is an example of a situation where penalties may be imposed:

An EI benefit claimant goes on an ocean cruise for a month and arranges for a friend to conceal their absence by signing and returning 2 EI reports. As a result, the claimant illegally received $350 in benefits for each of the 4 weeks of the cruise. After investigation, we find that this was the first time the claimant and the friend had misused the EI system. As well, we find that they both knew that what they did was illegal but they did it anyway.

In this case, the claimant will have to repay $1,400 (4 weeks of benefits at $350 per week) and may have to pay a penalty of $700 ($350 for each of the 2 false reports filed during the holiday). The friend may also have to pay a penalty of $700 for the illegal act of filing 2 false reports on behalf of the claimant.

There are many situations when a penalty may apply, and the amount could become very high. Depending on the circumstances, the maximum penalty could be up to 3 times the amount of the overpayment, 3 times the weekly benefit rate for each incident of misrepresentation, or 3 times the maximum benefit rate. This could also affect your future benefits.

If you receive more than you're entitled to, you’ll have a debt to repay

When EI claimants receive benefits to which they are not entitled, the amount of the overpayment counts as a debt that must be repaid.

We charge interest on this debt when it results from claimants who knowingly withhold information or make false or misleading representations or statements. However, we do not charge interest on debt that results when we make an error in the benefit payment.

The rate of interest is the Bank of Canada average rate plus 3%. Interest is calculated daily and compounded monthly.

Misusing the EI program may affect your future claims

Claimants who misused the EI program and were assessed a violation may need more insurable earnings or hours to qualify for benefits in the future. The required amount rises based on the number and seriousness of misrepresentations that have been recorded in the 5-year period before the start of their claims.

Your rights and responsibilities while receiving EI benefits

The EI program guarantees certain rights. There are also some basic responsibilities, for both you and Service Canada.

You have the right to:

Your responsibilities include: