A&S Needs Analysis & Government Programs question: qualify for EI sickness benefits

A&SNeeds Analysis & Government Programs

Theo, 23, works part-time at a Halifax restaurant and worked 450 insured hours in the 52 weeks before he fell ill with pneumonia. He has a medical certificate and his weekly earnings dropped by more than 40%. He has no other coverage and asks his agent, a family friend, whether EI will help. Does he qualify for EI sickness benefits?

A Yes, because his earnings fell by over 40%
B No, he needs 26 weeks of work
C No, he needs 600 insured hours
D Yes, any worker with a certificate qualifies

Show the answer and explanation

Answer: C. No, he needs 600 insured hours

EI sickness benefits require 600 insured hours in the qualifying period (generally the 52 weeks before the claim), a reduction in weekly earnings of more than 40%, and a medical certificate. With 450 hours Theo does not qualify, which is a gap private disability coverage can fill. Source: Service Canada, EI sickness benefits (page dated 2 Jun 2026) and ESDC 2026 EI premium rate and maximum insurable earnings (as at 12 Oct 2026).

Common mistake

Forgetting the 600-hour requirement.

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