Can I Apply For Both E.I. And The CERB?

Can I Apply For Both E.I. And The CERB?

Written by Lisa Rennie
Fact-checked by Caitlin Wood
Last Updated May 4, 2021

With the ramifications of the coronavirus pandemic wreaking havoc on all aspects of life, millions of Canadians are finding themselves with a significant income loss. Whether it’s employees being laid off or business owners having to shut their doors, many Canadians are finding themselves without the income needed to keep up with bill payments or to cover the costs of daily requirements, including food. 

Luckily, the Canadian government has not left Canadians high and dry during this time of great need. Those who require financial assistance to make up for lost income have a few choices in terms of financial assistance programs available to them, including Employment Insurance (EI) and the Canada Emergency Response Benefit (CERB).

But the question is, can you apply for both at the same time? More specifically, can you receive funds from both EI and the CERB?

Employment Insurance (EI) 

Eligible Canadians may apply for Employment Insurance (EI) to help compensate for any lost wages. EI is a type of insurance program that allows people who have lost their job to receive temporary financial help. 

There are specific requirements for those applying for EI, as it is not available to everyone. In order to qualify for financial assistance through EI, applicants must have:

  • Been employed in insurable employment;
  • Been without work and pay for a minimum of seven consecutive days over the previous 52-week period;
  • Have worked for the necessary number of insurable employment hours over the last 52-week period or since the beginning of the last EI claim.

Canada Emergency Response Benefit (CERB)

Individuals also have the option to apply for the Canada Emergency Response Benefit (CERB), which was implemented in response to the COVID-19 pandemic as a means to provide eligible Canadians with temporary income support. With the CERB, successful applicants can receive $500 per week for up to 24 weeks.

People who are eligible for EI regular or sickness benefits may also qualify for financial assistance through the CERB but should not receive benefits from both programs at the same time. 

The CERB is available to Canadians who:

  • Have not been able to work because of COVID-19;
  • Are eligible for EI;
  • Have EI benefits that have been exhausted between December 29, 2019 and October 3, 2020;
  • Had earned at least $5,000 from employment and/or self-employment income in 2019 or in the 12-month period up to the date applied; 
  • Did not voluntarily quit their job.

Can You Apply For Both EI And The CERB?

The question is, can Canadians take advantage of both IE and the CERB at the same time?

The answer is no. Some people may apply for both, and may even receive payment from both, but it should be either one or the other.

For anyone who is eligible for EI on March 15, 2020, or later, EI claims will be automatically processed through the CERB. But some Canadians have been receiving double payments in error – both from CERB and from EI. This is happening as a result of applying for both financial assistance programs. 

Canadians who have received doubled payments in error should take steps to rectify the situation. It is highly likely that when the coming months the government will come looking for those who have doubled up on payments. Anyone qualified for EI and collecting payments through CERB will be transferred back to EI once the funds from the CERB run out.

According to the CRA, Canadians should not be receiving funds from both EI and CERB at the same time for the same benefit period.


Rating of 4/5 based on 14 votes.

Lisa has been working as a writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same. She's used a variety of financial tools over the years and is currently growing her money with Wealthsimple, while stashing some capital in a liquid high-interest savings account so that she always has a financial cushion to fall back on. She's also been avidly using her Aeroplan TD credit card to collect as many Aeroplan points as possible to put towards her travels!

Click on the star to rate it!

How useful was this post?

Research & Compare

Canada's Loan Comparison Platform

Largest Lender Network In Canada

Save time and money with Loans Canada. Research and compare lenders before you apply. Share your experiences with Canada's top lenders.

Make Smarter Borrowing Decisions

Whether you have good credit or poor credit, building financial awareness is the best way to save. Find tips, guides and tools to make better financial decisions.

Save With Loans Canada

Special Offers

Earn 5% Cash Back With Neo

Earn 5% Cash Back With Neo
No annual fee!

Earn an average 5%¹ cash back at thousands of partners and at least 1%² cashback guaranteed.

View Offer
Build Credit With Refresh Financial

Build Credit With Refresh Financial
Popular

Build credit while spending money with the Refresh Financial VISA card.

View Offer
Build Credit For $7/Month

Build Credit For $7/Month
Popular

With KOHO’s prepaid VISA card you can build a better credit score for just $7/month.

View Offer
Industry Spotlight

What's happening with Canada's credit industry?

Lexop ⎯ Improving The Collection Process By Putting The Consumer First

Lexop ⎯ Improving The Collection Process By Putting The Consumer First

In an industry that doesn’t often put the consumer first, Lexop is changing the way companies manage their collection process. 

Read Post
Locator
Find The Best Rate
In Your Region
OR
Best Personal Loan Provider by Greedy Rates
Icon

Confidential & risk-free

All consultations and conversations with Loans Canada and its partners are confidential and risk-free. Speak with a trusted specialist today and see how we can help you achieve your financial goals faster. Loans Canada and its partners will never ask you for an upfront fee, deposit or insurance payments on a loan. Loans Canada is not a mortgage broker and does not arrange mortgage loans or any other type of financial service.

When you apply for a Loans Canada service, our website simply refers your request to qualified third party providers who can assist you with your search. Loans Canada may receive compensation from the offers shown on its website.

Only provide your information to trusted sources and be aware of online phishing scams and the risks associated with them, including identity theft and financial loss. Nothing on this website constitutes professional and/or financial advice.

Your data is protected and your connection is encrypted.

Loans Canada Services Are 100% Free. Disclaimer

Keep Track Of Your Credit Score

Subscribe with Credit Verify to monitor your credit rating and get your free credit score.