Employment Insurance (EI) benefits in Canada provide crucial financial support for individuals facing job loss or temporary work interruptions.
While some sources mention a “$650 CRA Weekly Employment Insurance,” it’s essential to note that EI is administered by Employment and Social Development Canada (ESDC), not the Canada Revenue Agency (CRA).
In 2025, the maximum weekly EI payment has increased to $695, ensuring better financial support for eligible Canadians. This guide breaks down EI payments, eligibility, the application process, and important updates for those depending on these benefits.
EI Payment
The EI program provides temporary financial support to eligible Canadians who lose their jobs through no fault of their own.
The amount you receive depends on your previous earnings and insurable hours.
Here’s a quick overview of the EI payment structure in February 2025:
| Aspect | Details |
|---|---|
| Maximum EI Weekly Benefit (2025) | $695 per week (up from $668 in 2024) |
| Minimum Weekly EI Payment | $300 per week (based on income and hours) |
| Administering Body | Employment and Social Development Canada (ESDC) |
| Eligibility | Workers who lost jobs and meet required hours |
| Application Process | Online via Service Canada or in-person |
| Processing Time | Up to 28 days |
| Taxability | EI benefits are taxable |
What is EI and Who Manages It?
Employment Insurance (EI) is a federal program that provides temporary financial assistance to unemployed Canadians who qualify. Contrary to some reports, the Canada Revenue Agency (CRA) does not handle EI payments.
Instead, the ESDC and Service Canada manage the program, ensuring that eligible individuals receive support while they search for work or upgrade their skills.
EI Benefit Calculation
Your EI payments are based on your previous income and insurable hours. Here’s how it is calculated:
- Basic EI Rate: 55% of your average weekly insurable earnings
- Maximum Weekly EI Payment: $695 per week
- Minimum Weekly Payment: $300 per week
- Maximum Insurable Earnings: $63,200 per year
If you earned a high enough salary before job loss, you will receive the maximum benefit of $695 per week. However, if your earnings were lower, your EI payment will be calculated based on 55% of your previous income.
EI Eligibility in 2025
To qualify for EI benefits, you must meet the following requirements:
- Lost your job through no fault of your own (e.g., company layoffs, restructuring)
- Accumulated enough insurable hours (between 420 to 700 hours, depending on the unemployment rate in your area)
- Worked in insurable employment within the last 52 weeks
- Actively looking for work and able to work
If you quit your job voluntarily, were fired due to misconduct, or did not work enough hours, you may not be eligible for EI benefits.
How to Apply for EI in February 2025
Applying for EI benefits is simple and can be done online or in person. Follow these steps:
Step 1: Gather Required Documents
Before applying, make sure you have:
- Social Insurance Number (SIN)
- Record of Employment (ROE) from your employer
- Bank details for direct deposit
- Employment history for the last 52 weeks
Step 2: Submit Your EI Application Online
- Visit the Service Canada – EI Application Portal
- Log in using GCKey or Sign-in Partner
- Complete the application and upload the required documents
Step 3: Wait for Processing
- Processing time: Up to 28 days
- Approval notification: A decision letter will be available in your Service Canada account
- First payment: If approved, you’ll receive your first payment within two weeks
Important: To continue receiving payments, you must submit bi-weekly reports proving your eligibility.
Is EI Taxable?
Yes, EI benefits are considered taxable income. Here’s what you need to know:
- Federal and provincial taxes are deducted from your EI payments
- You will receive a T4E slip during tax season
- Ensure you report EI payments in your annual tax return
Reasons for EI Payment Delays
If your EI payments are delayed, check for these possible reasons:
- Missing Record of Employment (ROE) – Your employer must submit it to Service Canada
- Incorrect banking details – Ensure your bank information is updated
- Failure to submit bi-weekly reports – This will pause payments
- Pending verification – Some cases require additional checks
If you experience delays, contact Service Canada at 1-800-206-7218 for assistance.
EI benefits remain a crucial financial resource for Canadians facing job loss or reduced work hours.
By understanding eligibility requirements, payment amounts, and the application process, you can access the support you need. Ensure that you submit your application on time and provide all required documents to avoid delays.
Stay informed with the latest updates from Service Canada to make the most of your EI benefits in 2025.
