Sick Days Covered: Employment Insurance (EI) Sickness Benefits are an essential financial support program in Canada for individuals unable to work due to medical reasons. In 2025, eligible applicants can receive up to $695 per week for a maximum of 26 weeks. This program is designed to help workers recover without the stress of lost income. In this detailed guide, we will cover everything you need to know about EI Sickness Benefits, including eligibility, application procedures, benefit calculations, taxation, and frequently asked questions. Whether you are an employee, self-employed, or an employer looking to support staff, this article will help you navigate the system smoothly.
Sick Days Covered
EI Sickness Benefits are an essential financial lifeline for Canadian workers unable to work due to medical reasons. With a maximum of $695 per week for up to 26 weeks, this program ensures that individuals can recover without financial hardship. To qualify, ensure you meet the work hour requirements, provide a medical certificate, and submit your application as soon as you stop working. Stay informed, apply promptly, and keep track of bi-weekly reporting to ensure smooth payments.
| Aspect | Details |
|---|---|
| Benefit Amount | Up to 55% of your average weekly insurable earnings, with a maximum of $695 per week. |
| Duration | Maximum of 26 weeks (previously 15 weeks, increased in December 2022). |
| Eligibility | Must have 600 insurable employment hours, earnings reduced by 40%, and a medical certificate proving inability to work. |
| Application Steps | Apply online via the Government of Canada EI page, submit a medical certificate and bi-weekly reports. |
| Waiting Period | One-week unpaid waiting period before benefits start. |
| Taxation | EI benefits are taxable; federal and provincial taxes will be deducted. |
| Special Considerations | Self-employed individuals can opt-in for EI coverage if registered at least 12 months in advance. |
What Are EI Sickness Benefits?
EI Sickness Benefits provide temporary income replacement to insured workers who are unable to work due to illness, injury, or quarantine. These benefits help employees recover without suffering severe financial distress.
Example
Emma, a full-time nurse, suffers a severe back injury and is unable to work for 10 weeks. Because she meets the eligibility criteria, she applies for EI Sickness Benefits and receives 55% of her insurable earnings, up to a maximum of $695 per week. This financial aid helps cover her bills while she recovers.
Who Qualifies for EI Sickness Benefits?
To be eligible for EI Sickness Benefits, you must meet all the following criteria:
- Medical Inability to Work
- You must be unable to work due to a medical condition confirmed by a doctor.
- Reduction in Earnings
- Your weekly earnings must have decreased by at least 40%.
- Work Hours Requirement
- You must have accumulated at least 600 hours of insurable employment in the last 52 weeks or since the start of your last claim.
- Medical Certificate
- A signed medical certificate from a doctor or nurse practitioner confirming your condition is required.
Eligibility for Self-Employed Workers
Self-employed individuals must opt into the EI program at least 12 months before applying and meet all standard eligibility requirements.
How to Apply for Sick Days Covered Benefits?
Applying for EI Sickness Benefits involves several key steps.
Step 1: Gather Required Documents
- Personal Information
- Social Insurance Number (SIN)
- Residential address
- Banking information for direct deposit
- Employment Information
- Record of Employment (ROE) from your employer
- Names and addresses of employers from the last 52 weeks
- Medical Documentation
- Medical certificate confirming the illness, signed by a healthcare provider
Step 2: Submit an Online Application
- Visit the official website – Apply here.
- Complete the online form with accurate personal and employment details.
- Submit the required documents, including the medical certificate and ROE.
- Receive a benefit statement with a 4-digit access code.
Step 3: Submit Bi-Weekly Reports
To continue receiving benefits, you must submit bi-weekly reports confirming:
- Whether you have returned to work.
- If you have earned any income.
- Your current medical status.
How Are EI Sickness Benefits Calculated?
Benefit Amount
EI Sickness Benefits provide 55% of your average weekly earnings, with a maximum cap of $695 per week.
Example Calculation
- John earns $1,200 per week.
- 55% of $1,200 = $660 per week (since it’s below $695, he gets the full amount).
- Sarah earns $1,500 per week.
- 55% of $1,500 = $825 per week, but since the cap is $695, she receives the maximum limit.
Waiting Period and Payment Timeline
- One-week unpaid waiting period applies before payments begin.
- Payments are typically deposited within 28 days of applying.
Taxation of EI Benefits
EI Sickness Benefits are taxable income, meaning:
- Federal and provincial taxes will be deducted at the source.
- You will receive a T4E slip at tax time to report EI benefits.
Additional Support Options
If your condition is long-term or permanent, consider applying for:
- Canada Pension Plan (CPP) Disability Benefits
- Workers’ Compensation (for workplace injuries)
- Private Insurance or Long-Term Disability Benefits
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Frequently Asked Questions (FAQs)
1. Can I work while receiving EI Sickness Benefits?
Yes, but earnings will be deducted from your benefits under the EI Working While on Claim program.
2. Can I apply for EI Sickness Benefits if I receive paid sick leave from my employer?
You may still qualify, but EI benefits will be adjusted based on your sick leave payments.
3. What happens if I recover before my 26 weeks are over?
You must notify Service Canada and stop receiving benefits once you return to work.
4. Can I extend my EI Sickness Benefits beyond 26 weeks?
No, but if your condition is severe, you may apply for Canada Pension Plan Disability Benefits.
5. Can I travel while receiving EI Sickness Benefits?
Yes, if your travel does not interfere with your medical recovery. You must inform Service Canada about any travel plans.
