How to Get EI Employment Insurance
In today’s world, having a job for life simply isn’t the real deal anymore. Many of us regularly change jobs or even careers and it’s perfectly acceptable. The job market today is also less stable than perhaps it used to be. We no longer have large company pensions to fall back on, after decades at the same company. So how can we protect ourselves against the current economic climate and job insecurity?
One way, is to have Employment Insurance, also known as EI. EI is overseen by the Government of Canada and provides short term, temporary financial help if you lose your job through no fault of your own. This is called a Regular Benefit, and it helps to protect you financially whilst you either look for a new job or spend time studying, learning or upgrading your current skill set.
You can also receive EI help if you’re not working due to being ill, injured, pregnant, taking time out to care for a new born baby or adopted child, or if you’ve become the primary carer for a close family member who has a serious illness or is at a significant risk of dying. Under these circumstances, EI is referred to as a Special Benefit.
Employment Insurance is obviously valuable and could protect you financially in times of a crisis. But not everyone is automatically covered by EI. Employers have a duty to offer it to staff and employees have a duty to themselves to make sure they have it.
Here’s how you can make sure you’re protected.
EI – a Step by Step Guide
To qualify for EI, you must pay into the program each week or month, just like any other insurance. Your employer will automatically do this for you by subtracting your amount from your pay packet.
If you find yourself out of work, you must apply for EI straight away by following these steps:
You should then receive the benefits you’re owed within 28 days of your application. This is usually around 55% of your average weekly earnings. If you’re rejected as unsuitable, you can appeal via phone or email – you will be provided with details.
You can receive EI for between 14 and 45 weeks. During this time, if you’re able to work or you don’t have a job to return to, you should be actively seeking employment.
None of us have a crystal ball that allows us to see into the future. We don’t know what’s around the corner that could mean that we’re out of work, so it’s imperative that we all take steps to look after ourselves financially. Employment Insurance is an ideal way of doing this.