Unemployment Benefits for Canadian Permanent Residence Holders
- October 23, 2017
- Posted by: visasabroad
- Category: Canada Visa

As a permanent resident of Canada, you are eligible to avail yourself of the unemployment benefits. Unemployment benefits are available to individuals who lose their jobs due to circumstances beyond their control.
For example, loss of job due to the shortage of work, seasonal or mass layoffs. These unemployed individuals should show that they are willing to work, but cannot find a job.
It is advised that you apply for unemployment benefits or insurance as soon as you lose your job. As dragging the application period beyond 4 weeks will nullify your eligibility to apply for unemployment benefits.
Eligibility to Apply for Unemployment Benefits
Here is the eligibility criterion that you need to meet. You may be eligible for unemployment benefits if you:
- Were employed in an insurable company
- Lost your job for no fault of your own
- Have been without work or pay for the last seven consecutive days in the previous 52 weeks
- Have worked for the required number of insurable employment hours in the previous 52 weeks before claiming employment benefits
- Are ready, willing and are actively looking for work
You may not be entitled to unemployment benefits if you:
- Voluntarily left your job without cause
- Were dismissed or terminated for misconduct
- Are unemployed due to involvement in a labour dispute
You are also not entitled to unemployment benefits if you are confined in jail, penitentiary or any other similar institution.
If you are incarcerated but are later found not guilty, your unemployment benefit period may be extended depending on the number of days you spent in jail.
Number of Hours of Insurable Employment Required to Qualify for Employment Insurance
To calculate the benefits, your insurable employment hours are taken into account. You must accumulate the required insurable employment hours during your qualifying period.
The qualifying period is the 52 weeks immediately before the start date of your claim.
How Much Money Can You Receive as an EI Benefit?
Stating exactly how much you could receive unemployment benefit funds is impossible. Several factors are taken into consideration before attending to an individual’s claim.
For most people, the introductory rate for calculating unemployment benefits is 55% of your weekly insurable income, up to a maximum amount. The maximum insurable amount is currently $51,300 per year. This calculation means you will receive $543 per week.
How Long Can You Receive Your EI Benefit?
You can receive your unemployment benefit from 14 weeks to a maximum of 45 weeks. This depends on the unemployment rates in your region.
Calculation of Your Unemployment Benefits
Your weekly unemployment benefits are calculated as follows:
- Your total insurable earnings for the required number of best weeks (the weeks in which you made the most income, inclusive of tips and commission) are calculated. This is based upon the information as derived from your employment records.
- The number of best weeks of your employment is determined by the rate of unemployment in your region.
- Your total insurable earnings for your best weeks are divided by the required number of best weeks.
- The result is then multiplied by 55% to obtain the amount for your weekly benefits.
Family Supplements
If a family’s income does not exceed $25,921 per year, the primary earner has a spouse, child, and your spouse receives Canada Child Benefit, you are considered a member of a low-income family. Thus, you may be eligible to receive the EI family supplement.
The family supplement rate depends upon:
- Your net family income does not exceed $25,921 per year; and
- The number of children and their ages
Unemployment Benefits are Taxed
All unemployment benefits are taxable and it does not matter what kind of benefit you avail. Federal, provincial or territorial taxes as applicable will be deducted from your EI benefits.
What Do You Need Before Applying for Unemployment Benefits
While applying for Employment Benefit online, you will need the following personal details:
- Your Social Insurance Number (SIN). If your SIN begins with ‘9’, you will need to provide proof of your immigration or work permit.
- Your mother’s maiden name
- Your mailing and residential address, along with your postal code
- Your complete banking details, including information to sign up for direct deposit, including bank name, branch number and account number
- Names, addresses, dates of employment and reason for dismissal from your employers over the last 52 weeks
- A detailed version of your facts regarding employment and unemployment
- The dates, Sunday to Saturday, and earnings for each of your highest-paid weeks of insurable earnings in the last 52 weeks
You may also be required to provide additional documents if asked:
- The salary amount you received for the previous week you worked
- Any other amount you received or will receive
How to Apply for Unemployment Benefits in Canada
To learn if you are eligible for unemployment benefits or Employment Insurance (EI), you must apply online. It will take about 60 minutes to complete the online application.
The website will take you through a step-by-step application process and provide instructions on how to complete the form.
What to Do After You Have Applied for Unemployment Benefits?
Once you qualify for availing the Unemployment Benefits, you should be receiving your first payment within the first 28 days of the date the application is received. There may be a one-week period during which you will not be paid; this week is generally referred to as the waiting period.
If you are not entitled to unemployment benefits, you will receive a letter or a telephone call explaining why you are not eligible for the unemployment benefit. If you still disagree, you have the right to ask for reconsideration of your form.
After submitting your EI application online, you will receive an EI benefit statement. This, however, does not mean that your EI benefit is approved.
Your access code is located in the shaded portion of your EI benefit statement and is four digits long. You need to have this access code each time you want to obtain information about your benefit claim. Your access code serves the purpose of your identity and maintains the confidentiality of your information.
While you are on an active EI, you must submit reports every two weeks that show that you are still entitled to receive EI benefits.
An EI benefit claim will end if:
- You have received all the weeks of benefits; or
- The payment time frame for receiving your EI benefits ends
- You request a termination of your EI benefit claim