When the Money stops.
If you anticipate there is a chance of being off work for an extended period of time. Start the employement insurance procedure as soon as possible.
What is Employment Insurance?
The Employment Insurance (EI) program offers temporary financial assistance to Canadians and individuals who are legally entitled to work in Canada, have a valid Social Insurance Number and remain in Canada during their benefit period. One type of benefits that the EI program offers is regular benefits. EI regular benefits are offered to people who have lost their employment through no fault of their own (for example, because of a shortage of work or because they were employed in seasonal work) and who are ready, willing, and capable of working each day but unable to find work.
Am I eligible for EI regular benefits?
You may be entitled to receive EI regular benefits if you:
are employed in insurable employment;
lost your employment through no fault of your own;
have been without work and without pay for at least seven consecutive days in the last 52 weeks;
have worked for the required number of insurable hours in the last 52 weeks or since the start of your last EI claim, whichever is shorter;
are ready, willing, and capable of working each day; and
are actively looking for work (you must keep a written record of employers you contact, including when you contacted them).
You may not be entitled to receive EI regular benefits if you:
voluntarily left your employment without just cause;
were dismissed for misconduct; or
are unemployed because you are directly participating in a labour dispute (strike, lockout, or other type of dispute).
Do I need to apply to receive EI benefits?
Yes, you need to apply for EI benefits, because Service Canada first needs to determine whether you are entitled to benefits. Benefits are not paid to you automatically, even if your employer has issued you a Record of Employment (ROE).
When should I apply?
You should apply as soon as possible once you have stopped working, even if your employer has not issued your ROE yet. If you delay applying for benefits beyond four weeks after your last day of work, you risk losing benefits.
For more information please click here for the EI website.