Life can change in an instant. One moment, you’re at work, and the next, a sudden illness or injury sidelines you.
During these difficult times, EI Sickness Benefits in Canada offer essential financial support, delivering up to $695 per week for up to 26 weeks to help you focus on recovery without the added stress of income loss.
This guide provides all the details on how to qualify, the application process, and alternative financial assistance options.
EI Sickness Benefits Overview
If you’re unable to work due to a medical condition, EI Sickness Benefits can provide you with financial relief.
This benefit is designed to help those who are sick, injured, or quarantined, ensuring they don’t face financial hardship while recovering. Here’s a quick look at the key details:
| Feature | Details |
|---|---|
| Maximum Weekly Benefit | Up to $695 per week |
| Percentage of Earnings | 55% of your average insurable weekly earnings |
| Benefit Duration | Up to 26 weeks (previously 15 weeks) |
| Eligibility Criteria | – Unable to work due to medical reasons – Income reduced by 40%+ – 600+ insurable hours |
| Application Process | Submit an application online through the Government of Canada website |
| Medical Documentation | A medical certificate from a doctor or authorized medical professional is required |
| Waiting Period | 1 week (unpaid) before benefits begin |
| Other Financial Aid | CPP Disability, Workers’ Compensation, Private Insurance, Provincial Sick Leave Programs |
How Much Financial Assistance Can You Receive?
EI Sickness Benefits offer 55% of your average weekly earnings, up to a maximum of $695 per week.
Example:
- If you earn $800 per week, you’ll receive $440 per week in benefits.
- If you earn $1,500 per week, you’ll receive the full $695 per week (as it’s capped).
How Long Can You Receive EI Sickness Benefits?
The duration for which you can claim benefits has been extended to 26 weeks, up from the previous 15 weeks. This change reflects the reality that some illnesses or injuries require more time to recover from.
Eligibility for EI Sickness Benefits: Do You Qualify?
To qualify for EI Sickness Benefits, ensure you meet the following conditions:
1. Medical Condition Prevents You from Working
Your illness, injury, or quarantine must prevent you from working.
2. Loss of Income
Your regular weekly earnings must be reduced by 40% or more.
3. Minimum Work Hours
You need to have worked at least 600 hours in insurable employment during the past 52 weeks or since the start of your previous claim.
4. Medical Certification
You must provide a medical certificate from a doctor or an authorized healthcare provider to confirm your condition.
Note: If you don’t meet the 600-hour requirement, you may qualify for other financial support programs like provincial sick leave or disability benefits.
How to Apply for EI Sickness Benefits: Step-by-Step Guide
The application process is simple but requires accurate information to avoid delays. Follow these steps:
Step 1: Prepare Your Documents
Before applying, gather the following:
- Social Insurance Number (SIN)
- Bank details for direct deposit
- Employer history for the last 52 weeks
- Medical certificate from your doctor
Step 2: Apply Online
You can apply online through the Government of Canada’s website. It typically takes about an hour to complete.
Pro Tip: Apply immediately after you stop working. You don’t need to wait for your Record of Employment (ROE) to apply.
Step 3: Submit Documents
If your employer submits your ROE electronically, you don’t need to do anything. If not, you must request and submit a copy. Additionally, your medical certificate might be required.
Step 4: Receive a Benefit Statement
After applying, you’ll get a four-digit access code to track your application and submit biweekly reports.
Step 5: Receive Payments
Your first payment will typically arrive in about 28 days if all documents are in order. Payments are made through direct deposit.
Common Mistakes to Avoid
To avoid delays, be sure to:
- Apply within 4 weeks after stopping work
- Provide correct and complete information, especially employer details
- Submit your medical certificate
- Don’t forget to send biweekly reports
What Other Financial Support Is Available?
If you’re not eligible for EI sickness benefits, or if you need help for longer than 26 weeks, consider these alternative financial supports:
- Canada Pension Plan (CPP) Disability Benefits – For long-term or permanent disabilities
- Workers’ Compensation – If the injury is work-related
- Private Disability Insurance – Check with your employer for available plans
- Provincial Sick Leave Programs – Available in certain provinces
Returning to Work After EI Sickness Benefits
When you’re ready to return to work, there are options to ease your transition:
- Gradual Return – Start with part-time hours before resuming full-time work.
- Workplace Accommodations – Request adjustments like a lighter workload or remote work.
- Work-Sharing Program – This program allows employees to work fewer hours while still receiving EI benefits.
Important: Always inform Service Canada if your return-to-work date changes.
EI Sickness Benefits offer crucial support during difficult times, ensuring you have the financial relief needed while recovering from an illness or injury. With a simple application process and multiple support options, this program helps minimize the financial burden during recovery. Make sure to apply as soon as possible, avoid common mistakes, and explore additional financial aid options if needed.