Employment Insurance (EI) is the federal program providing temporary income support to workers who lose their jobs through no fault of their own, as well as those taking leave for sickness, family responsibilities, or parental leave. Funded through premiums paid by employees and employers, EI replaces a portion of lost earnings (typically 55% up to a maximum) for a limited period. Eligibility requires accumulating enough insured hours of work, with requirements varying by regional unemployment rates. Beyond regular benefits, EI provides maternity and parental benefits, sickness benefits, compassionate care benefits, and family caregiver benefits. The program also funds training and employment supports through provincial agreements. EI's design and adequacy are frequently debated—many unemployed Canadians don't qualify, benefit levels may be insufficient, and coverage gaps exist for gig workers and the self-employed.
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Employment Insurance (EI)