What is insurable hours

If you have more than one job during your qualifying period, you can add up the hours from all of your jobs to figure out your insurable hours. If you have any violations in the last 5 years, you might need more insurable hours to qualify for EI.

Can I get EI? Figure out if you can get Regular EI Benefits. I lost my job for reasons beyond my control. Next Steps 1. Figure out if you can get Regular EI Benefits 2. Get your record of employment from your employer 3.

Figure out how much you can get 4. Apply for EI benefits 5. Application Date. April 23, Employer Accounts. Document Number.

Purpose The purpose of this policy is to provide guidelines on determining the insurable earnings of workers, and contractors covered as workers, through their principal's WSIB account. Guidelines For information on insurable earnings in the construction industry, see , Insurable Earnings - Construction. Definitions Principal - A person or business entity awarding or letting a contract to a contractor or sub-contractor.

What are earnings? What are insurable earnings? Insurable earnings include earnings derived from methods of payment such as: pay by hourly rate piecework salary commission vacation pay room and board bonuses, and the value of most other allowances and taxable benefits. For a non-exhaustive list of insurable earnings see Appendix I. Determining the status of contractors If a contractor does not employ workers and is: not registered as an employer with the WSIB not an independent operator with a WSIB independent operator identification number for the contract in question, and not considered a worker by the principal to whom he or she has contracted, then the contractor and the principal are required to complete the appropriate industry-specific, or general questionnaire used by the WSIB to determine whether the person is a worker or an independent operator for WSIB purposes.

Retroactive liability for an unregistered contractor under s. Other insurable earnings calculations For information about insurable earnings: in the construction industry, see , Insurable Earnings - Construction in the logging industry, see , Insurable Earnings - Logging in the trucking, courier, and taxi industries, see , Insurable Earnings - Drivers in the Transportation Industry for municipal volunteer fire brigades and for volunteer ambulance brigades, see , Insurable Earnings - Volunteer Forces , and for training participants, see , Coverage for Unpaid Trainees.

To calculate the portion of insurable earnings and the resulting premiums payable to the Ontario WSIB when: workers of an Ontario-based employer work temporarily in another Canadian jurisdiction, or workers from another Canadian jurisdiction work temporarily in Ontario, see , Insurable Earnings - Interjurisdictional Agreement.

Landscaping contracts For the purpose of this policy, the table below applies in two situations. Unregistered contractor under s. Major materials means major structural, mechanical and electrical components, such as: asphalt bricks, blocks concrete and cement electrical wiring, boxes and supplies fill and sand gravel insulation and vapour barriers lumber and steel pipes, and plumbing fixtures and equipment.

Exceptions Major materials do not include items such as: installation supplies e. Heavy equipment means any large item of capital equipment used in the landscaping industry, such as: backhoe bobcat bulldozer cement mixer truck or pumper dump truck front-end loader gas powered tamper grader, or other excavating equipment, and jackhammer, excluding portable.

What are non-insurable earnings? Some earnings are not included for the calculation of premiums. The common are: maternity, paternity or parental benefits paid in addition to EI benefits certain earnings of workers of an Ontario-based employer working temporarily out of Ontario, which were also reported to other Canadian boards severance pay as required under the Employment Standards Act, and retiring allowances.

See Appendix II for a list of items considered non-insurable, for premium calculation purposes. Maximum amount of insurable earnings The WSIA sets annual maximum average earnings as the basis for the calculation of benefits. Excess earnings Excess earnings for an individual worker are any earnings that are above the annual maximum insurable earnings amount. In years where the maximum insurable earnings and maximum average earnings are different: the reportable insurable earnings, and associated premium calculation, are subject to the maximum insurable earnings, not the maximum average earnings, and wage loss benefit calculations are subject to the maximum average earnings.

Multiple classification codes General The following guidelines apply when the employer has more than one classification code, and the employer is determining insurable earnings for calculating premiums for: monthly, quarterly, or annual premium remittances, see , Premium Remittance , and the year-end reconciliation, see , Reconciliation.

Separate classification for construction The separate classification codes for non-exempt partners or executive officers in construction are distinct from other construction classification codes, and are to be used only for reporting the insurable earnings of non-exempt partners or executive officers who are eligible.

There are two types of direct earnings: earnings that relate only to the business activity of the classification code, and earnings that are from an ancillary operation or optional insurance that are segregated and can be directly assigned to a classification code, see , The Classification Structure and , Optional Insurance.

Common earnings Common earnings are insurable earnings from an ancillary operation or optional insurance amounts that are not segregated and cannot be directly assigned to a classification code.

Example An employer carries on four different business activities and is classified in four different classification codes. You must be willing and able to work and to keep a record of the times you are not available for work. You must also keep a record of employers, the dates that you contacted them, and report any money or benefits earned while on EI. Generally, you will need between and insurable hours of work in your qualifying period to qualify for EI benefits.

However, if you are in the workforce for the first time or are returning to work after a 2-year leave of absence you will need a minimum of hours in the qualifying period. If you had violations from previous EI claims, the number of insurable hours will increase. Your insurable hours are determined by the number of hours you worked during your employment. No insurable hours can be paid if you are self-employed. Contact your local Service Canada office to find out how many insurable hours you need to claim benefits.

If you do not have the necessary insurable hours within the qualifying period, ask the Service Canada office if you can have the qualifying period extended to include other insurable hours because you were not available to work due to certain reasons. For example, you may have been sick or attending a course. They may consider your reasons to see if they meet the criteria for an extension of time.

You must apply for the benefits within 4 weeks from your last working day, otherwise you risk losing benefits. If you already filed a claim within the past 52 weeks you may renew that claim for benefits. Inform the Service Canada office that you made a claim. If you do not receive your ROE from your employer within 14 days, apply without the ROE and prove your employment by submitting your pay stubs.