Employment Insurance for OTs

Employment Insurance Information Session
Wednesday June 28, 2017, 4:30-5:30
Location: ETFO-OT Office, Fonthill


Do I qualify for EI when ETFO is engaging in strike action such as work-to-rule?

Yes.  Unless the reason you are unemployed is because of strike action (such as a full withdrawal of services rather than work-to-rule), you still qualify for EI.


Do you have to declare strike pay as income?

No.  Strike pay is not considered earned income (it's basically a payout from a strike fund you've contributed to through your union dues).  View the chart of income types for EI here.  Were you available for work?  Yes.   No one was going to stop you if you were called to work somewhere; many of our members were unable to attend due to working their second job that day.


How many hours do you need? How many weeks will you get?

The number of hours required to qualify for employment insurance varies according to the unemployment rate in a region. Similarly, the number of hours you have accumulated will determine how many weeks of EI you qualify for. Each teaching day is 8 hours.

To look these up online, use the EI postal code search tool.

As of June 20, 2016, for the economic region of St. Catharines, 595 hours (74.5 days) are required to qualify for EI, which will entitle you to a minimum number of 18 weeks of benefits and a maximum number of 42 weeks.  As tourism jobs pick up for the summer, Niagara's unemployment rate dips, which means the required number of hours will likely be higher at the end of the school year.  Always use the postal code search tool (above) to get the most up to date numbers.

The maximum number of hours required is 700.  Having more hours than required will give you more weeks of entitlement.  For maternity and sickness benefits leave, 600 hours are required.


Getting your Record of Employment

Your Record of Employment will be automatically filed by DSBN once the final pay period of June has been processed.  The ROE will be sent electronically to EI, so no action is required on your part.

If you already have filed an EI claim based on another job, EI will take the ROE from DSBN, re-evaluate your claim, and adjust accordingly (upwards, as there'll be more income).

All Records of Employment issued by our Board are submitted to Service Canada via the web - so you will not be receiving a hard copy of your record.  It can be viewed in your My Service Canada account.

When applying for Employment Insurance benefits, and asked the question, "Have you received your Record of Employment?" answer NO to this question. The Service Canada office is aware of the fact that DSBN files all Records of Employment via the web and will not be expecting a hard copy from you.


Variable Best Weeks, previously known as "Small Weeks"

Previously called "small weeks", these are weeks in which you earned less than $225, and they are excluded from the 26 week average EI uses when determining your weekly payment (this increases your payment by increasing your weekly average earnings).  Unlike with the previous small weeks, your Variable Best Weeks should be automatically calculated from the electronically submitted ROE.  For more information, click here.


What do you do when the school year starts or if you get an LTO?

You can continue to collect EI while working part-time, so continue to file your bi-weekly EI reports.  This keeps your claim active for weeks when you don't get called, as well as Christmas and March Break.  Note that if you're on an LTO, you DO NOT get paid by DSBN over Christmas and March Break because your year-long salary is compressed into a daily rate paid over 194 school days.

If you earn enough in a week to completely eliminate your EI payment that week (calculated by earning more than your EI payment plus 25% or $50 [this is now double 90% of your claim plus 10% of your claim], whichever is greater), that week won't be deducted from your claim's number of benefit weeks, effectively extending your claim.  However, a claim can still be open a maximum of 52 weeks.  It's much simpler to keep your claim open through the school year than to reactivate it at Christmas and March Break.


Example of working while collecting EI:

EI weekly payment (before taxes): $350
90% of $350 = $315
The first 90% of your claim's earnings are deducted at 50%, so you can earn $630.
The final 10% of your claim's earnings are deducted dollar for dollar, so you can earn $35.
So with a weekly payment of $350, in order to completely eliminate your EI payment in a week (which means it doesn't get used up), you need to earn $665.00.
In 2016-17, our rate of pay is $229.40, meaning you would have to work 3.0 days in a week to eliminate your EI payment that week.

If EI pays you even $1 in a week, it counts towards your eligible weeks of payments.  However, if you earn enough that you don't receive EI, your claim is effectively "extended" because you will not have used up a week of entitlement.  In the example above, you would need to earn $665 ($630 + $35) to eliminate a week's EI payment and not use up a week of entitlement.

In occasional teaching terms, in the example above you would need to teach 3.0 days in a week to eliminate the EI payment that week.  More details on working while on a claim are here.

Knowing these numbers might allow you to manage your claim to some degree; if you have any control over the hours you work in a part-time job, you might find that taking a couple extra hours in any week you've taught one day will push you over the limit for that week and allow you to save that week of entitlement for a week where you don't have any work at all and can receive the maximum EI payment that week.

Another tool for managing your claim is the payment refusal.  If you know in any given week that you've earned enough to reduce your EI payment quite a bit but not enough to eliminate it, you can refuse payment that week and save that week of entitlement for later.  Unfortunately, payment refusal can only be done by calling EI on the phone to talk to someone.


Applying for EI

You should apply for EI once the last day of school is done. It may take a while for the Board to get your ROE in since our last pay date is in July, but EI will backdate things to your date of application.

To apply for EI, click here.

During the application process, indicate that you have not received a ROE, and when it asks you for a reference code (case-sensitive), enter one of the following codes (depending upon when you're applying):

3511012017201706 (Effective June 16, 2017 till July 22, 2017)
3511012017201712 (Effective December 15, 2017 till January 13, 2018)
3511012018201803 (Effective March 9, 2018 till March 31, 2018)


Income Taxes while on EI

Since collecting EI essentially counts as a second job that creates a T4 slip for you at the end of the year, you need to be aware of the tax implications.  EI automatically claims your basic personal tax exemptions, so any additional income from an employer that also claims your basic personal tax exemptions could result in an unexpected tax bill at the end of the year.

The solution to this is to file TD1 (Federal) and TD1ON (Provincial) forms with DSBN, and claim zero (0) for your basic personal tax exemptions on both forms.  This will mean more taxes coming off your paycheque, but prevent the bill for those taxes coming due all at once.

You can find the TD1 and TD1ON forms through the DSBN Employee Portal.  Log into the portal, then click on the Departments tab, then choose Payroll Services, and click on Forms.  Once the forms are completed, submit them to the Payroll department at DSBN.


Further Resources

If you have any further questions about EI, e-mail Mark and he'll do his best to answer them for you. Community Legal Education Ontario (CLEO) also has some good pamphlets on EI here.

For information on pregnancy and parental leaves, you can view an ETFO PRS Webcast here, and you can read ETFO's Guide to Pregnancy and Parental Leave.

For ETFO's Member's Guide to EI, click here.