EI Regular Benefits - How much you could receive
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3. How much you could 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.
How long you could receive EI regular benefits
You can receive EI from 14 weeks up to a maximum of 45 weeks, depending on the unemployment rate in your region at the time of filing your claim and the amount of insurable hours you have accumulated in the last 52 weeks or since your last claim, whichever is shorter.
|Number of hours of insurable employment||Regional Unemployment Rate|
The number of weeks you may receive benefits does not change even if you move to another region after your benefit period begins.
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.
|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.
Once the weekly benefit rate is established, it will remain unchanged over the life of your claim.
If your net family income does not exceed $25,921 per year, you have children and your spouse receives the Canada Child Tax Benefit, you are considered a member of a low-income family. Therefore, you may be eligible to receive the EI family supplement.
The family supplement rate is based on:
- your net family income up to a maximum of $25,921 per year; and
- the number of children in the family and their ages.
The family supplement may increase your benefit rate up to 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 generally better for the spouse with the lower benefit rate to receive the supplement.
As your income level rises, the Family Supplement gradually decreases, so that when the maximum income of $25,921 is reached no supplement is payable.
Taxable EI benefits
EI benefits are taxable, no matter what type of benefits you receive. Federal and provincial or territorial taxes, where applicable, will therefore be deducted from your payment.
Guides and help
- How to apply for Employment Insurance benefits
- Reporting calendar — to keep track of your earnings and hours worked
- Your Employment Insurance regular benefits application - checklist
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