Calculate your net salary (take-home pay) in Canada after federal and provincial income tax, CPP, and EI deductions. For employees, contractors, and job seekers. Uses estimated 2026 tax brackets, CPP, and EI rates.
EI and QPIP Maternity and Parental Leave Benefits in Canada
If you are expecting a child or adopting one in Canada, you may be eligible for income replacement through Employment Insurance (EI) maternity and parental benefits, or through the Quebec Parental Insurance Plan (QPIP) if you live in Quebec. These benefits provide a portion of your income so you can take time off work to care for your new child.
How the Benefit is Calculated
Your weekly benefit is based on your insurable earnings and the benefit rate for your chosen leave option.
- Insurable Earnings: These are your earnings from which EI or QPIP premiums were deducted in the 52 weeks before your claim starts. They are capped at a yearly maximum.
- Benefit Rate: For EI, the standard option pays 55% of your average weekly earnings, while the extended option pays 33%. For QPIP, the standard option pays 70% and the extended option pays 55%.
- Maximum Weekly Benefit: There is a cap on the weekly amount you can receive. For EI, it's based on the yearly maximum insurable earnings. For QPIP, a specific maximum weekly amount is published annually.
Weeks of Benefits Available
- Maternity Benefits: Available only to the birth mother for up to 15 weeks, under both EI and QPIP.
- Parental Benefits (EI): Up to 40 weeks to share between parents under the standard option, or up to 69 weeks under the extended option.
- Parental Benefits (QPIP): Up to 25 weeks for one parent under the standard option, or up to 32 weeks under the extended option. These weeks can be shared with another parent, but the total combined weeks cannot exceed specific limits (32 weeks for standard, 40 weeks for extended). This calculator shows the weeks available to you based on your sharing plan.
A Step-by-Step Example
Sarah lives in Ontario, earned $62,000 in the last 52 weeks, and chooses the standard parental benefit option. She plans to share 5 weeks of parental leave with her partner.
- Her insurable earnings ($62,000) are below the EI maximum of $68,800, so her adjusted earnings are $62,000.
- Her average weekly earnings are $62,000 / 52 = $1,192.31.
- The EI standard benefit rate is 55%.
- Her weekly benefit before the cap is 55% of $1,192.31 = $655.77.
- The maximum weekly EI benefit for 2026 is 55% of ($68,800 / 52) = $727.69.
- Since $655.77 is less than $727.69, her estimated weekly benefit is $655.77.
- She is eligible for 15 weeks of maternity benefits and 40 weeks of parental benefits to share. With 5 weeks shared, she can claim 35 weeks of parental benefits herself.
Frequently Asked Questions
When should I apply for benefits? Apply as soon as you stop working. You can apply up to 12 weeks before your expected due date, but benefits will only start the week you stop working or the week of the birth, whichever is later.
Can I work while on parental leave? You can work while receiving benefits, but your earnings may reduce your benefit amount. Service Canada or Revenu Québec will explain the rules.
What if I live in Quebec? Quebec residents must apply through the Quebec Parental Insurance Plan (QPIP), not EI. The benefit rates, maximums, and number of weeks are different.
How do I share parental benefits? Both parents must apply and agree on the number of weeks each will claim. The total shared weeks cannot exceed the maximum for your chosen option.
Next Steps: Informing Your Employer
Once you have estimated your benefits and decided on your leave dates, you should formally notify your employer. A Letter Requesting Parental Leave clearly communicates your leave type, start date, expected return date, and duration. This helps ensure a smooth transition and protects your employment rights.