EI Maternity and Parental Benefits - How much could you receive

3. How much could you receive

We cannot tell you exactly how much you will receive before we process your application. For most people, the basic rate for calculating EI benefits is 55% of your average insurable weekly earnings, up to a maximum amount. As of January 1, 2017, the maximum yearly insurable earnings amount is $51,300. This means that you can receive a maximum amount of $543 per week.

Calculation of benefits

The amount of weekly benefits is calculated as follows:

  • We calculate your total insurable earnings for the required number of best weeks (the weeks that you earned the most money, including insurable tips and commissions) based on the information you provide and/or your Record(s) of Employment
  • We determine the divisor (number of best weeks) that corresponds to your regional rate of unemployment
  • We divide your total insurable earnings for your best weeks by your required number of best weeks
  • We then multiply the result by 55% to obtain the amount of your weekly benefits.

In regions of Canada with the highest rates of unemployment, we will calculate using the best 14 weeks; in regions of Canada with the lowest rates of unemployment, we will use the best 22 weeks. In other regions, the number of weeks used to calculate benefits will be somewhere between 14 and 22, depending on the unemployment rate in those regions.

Number of Variable Best Weeks calculation rates
Regional rate of unemployment Required weeks
6% or less 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% or more 14

To find out the rate of unemployment in your region, visit EI Program Characteristics.

Family Supplement

If we determine that your net family income is $25,921 or less per year, that you have children, and that you or your spouse receives the Canada Child Benefit, you are considered a member of a low-income family. You may therefore be eligible to receive the EI Family Supplement.

The amount of EI Family Supplement you receive depends on:

  • your net family income (up to the $25,921 yearly maximum); and
  • the number of children in your family, and their ages.

The Family Supplement may increase your benefit rate to as high as 80% of your average insurable earnings. If you and your spouse claim EI benefits at the same time, only one of you can receive the Family Supplement. It is usually better for the spouse with the lower benefit rate to receive the Family Supplement.

If your income level rises, the Family Supplement gradually decreases. You are no longer eligible to receive the Family Supplement when your net family income is greater than $25,921.

When you receive money during the waiting period

Any amounts you receive that are allocated to the one week waiting period, including vacation pay or severance pay, will be deducted dollar for dollar from the first three weeks of benefits that you are entitled to receive.

How long you could receive maternity or parental benefits

You will stop receiving EI benefits in any of the following cases, whichever comes first:

  • you have received all the weeks of benefits to which you were entitled; or
  • the maximum benefit period of 52 weeks has been reached; or
  • the payment timeframe during which you can receive benefits has ended, as follows:
    • EI maternity benefits can be paid for a maximum period of 15 weeks and must end 17 weeks after the week you were expected to give birth or the week you actually give birth, whichever is later; or
    • EI parental benefits can be paid for a maximum period of 35 weeks and must end 52 weeks after the week your child was born or was placed with you for adoption.
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