Can I Get EI if I Quit My Job? Canada’s Employment Insurance Questions and Answers

A picture to denote a person wanting to quit their job and asking the question can I get EI if I quit my job?

Can I get EI if I quit my job? This is a very important question and something that a lot of people do not understand. Many people think that they have a better chance to collect Employment Insurance if they quit their job instead of being fired. This is false. Why is this so and can I collect EI if I quit?

Can I Get EI if I Quit My Job? Possible in A Few Cases but Difficult

The EI Digest defines voluntary leave or quit as ” the claimant and not the employer took the initiative in terminating the employer-employee relationship.” it goes on to say that “a claimant is disqualified from receiving any benefits if the claimant lost any employment because of their misconduct or voluntarily left any employment without just cause.”

And that is the key. A person who quits their job must have just cause or you can say a valid reason for doing so. As a result, the onus is on the claimant to prove that they had just cause in quitting their job. This is quite different from someone being fired where the employer has to prove misconduct.

What is Just Cause?

Section 29(c) of the EI Act defines it as below:

Just cause for voluntarily leaving an employment or taking leave from an employment exists if the claimant had no reasonable alternative to leaving or taking leave, having regard to all the circumstances, including any of the following:

  1. sexual or other harassment;
  2. obligation to accompany a spouse, common-law partner or dependent child to another residence;
  3. discrimination on a prohibited ground of discrimination within the meaning of the Canadian Human Rights Act;
  4. working conditions that constitute a danger to health or safety;
  5. obligation to care for a child or a member of the immediate family;
  6. reasonable assurance of another employment in the immediate future;
  7. significant modification of terms and conditions respecting wages or salary;
  8. excessive overtime work or refusal to pay for overtime work;
  9. significant changes in work duties;
  10. antagonism with a supervisor if the claimant is not primarily responsible for the antagonism;
  11. practices of an employer that are contrary to law;
  12. discrimination with regard to employment because of membership in an association, organization or union of workers;
  13. undue pressure by an employer on the claimant to leave their employment, and;
  14. any other reasonable circumstances that are prescribed.

The other reasonable circumstances referred to in EIA 29(c)(xiv) are those which are prescribed by regulation Footnote1

What does the above mean? In layman’s terms, it means that you had to quit your job as you had no other choice based on the reasons mentioned in the EI Act. Also, it is not enough to say that you had a reason to quit, but you have to prove it and show that you tried to remedy the situation or look for an alternative etc. If a Benefits Officer looks at your application and sees that you had just cause, then you can be approve for EI.

Conclusion

It is possible to collect EI if you quit your job. However, you must prove that you had “just cause” in leaving your job. As seen above, this is not a casual reason but a last resort. Because of that, you must think long and hard if you are thinking on quitting your job. Especially, if you are wanting to collect EI while you are not working. Before making at decision, look at your situation and do your research as knowledge is power.

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EI Benefit Changes September 2021 – Employment Insurance Canada update

A picture of calculator and budget book to denote calculating the EI benefit changes as of September 26, 2021.

There are some EI benefit changes as of September 26, 2021 that are now in effect. Here is a list of them below.

EI Benefit Changes September 26, 2021

Workers will now have a uniform hours requirement of working 420 hours to qualify for EI benefits. This will be in place for one year until September 22, 2022.

The weekly floor of the amount you can receive for EI benefits will decrease from $500.00 per week to $300.00 week. This floor will apply to EI benefits made between September 26, 2021 and November 20, 2021.

The duration and value of benefits will once again be calculated using regional unemployment rates that were temporarily replaced over the last year by a uniform unemployment rate of 13.1 per cent.

There will be simplified rules regarding vacation pay and severance to help EI claimants receive benefits sooner.

There will be a one week waiting period for all new EI benefit claims as of September 26, 2021 after it was waived over the last year.

If you are currently on a EI claim before September 26, 2021, these changes will not affect the value or duration of your EI claim.

No Changes to Seasonal Workers

Seasonal workers in 13 regions will still be eligible for an extra 5 weeks of regular EI benefits until October 2022.

The pilot project provides the extra weeks to seasonal workers who started a claim between Aug. 5, 2018 and this coming Oct. 30, provided they had three claims for regular or fishing benefits in the last five years, and at least two started around the same time of year.

Conclusion

The EI benefits changes as of September 26, 2021 reflect the government transitioning out of pandemic relief and back to a normal EI program. However, it cannot fully go back yet as we are still dealing with Covid-19. We will see if these changes will be enough for unemployed Canadians during this time or if there has to be further changes. With covid-19, you never know.

American Express Customer Service Phone Numbers – for Canada and the US

A person with an American express card to denote American Express customer service.

Looking for American Express customer service? You might find it to be a daunting task as American Express is a large company. And as a result, they have a litany of ways that you can contact them. This can make things quite confusing and can make your head spin. It can be frustrating trying to find someone to talk to about a problem or situation. So where can you find easy access to contact information for American Express? Here are some phone numbers below for Canada and the US.

American Express Customer Service Canada

General Information (General inquiries, lost or stolen cards) – 24 hours-a-day, 7 days-a-week – 1-800-869-3016 (toll-free)  1-866-549-6426 (TTY/TDD)

Travel Accident Insurance  – In North America (Weekdays 8am to 8pm EST): 1-800-231-8989 (toll-free)

American Express® Line Of Credit – In Canada/U.S. : 1-800-263-3365 (toll-free), Outside Canada/U.S. : (905) 474-1545 (collect)

American Express Personal Loans – Canada: 1-800-869-3016 (toll-free), Outside Canada: (905) 474-0870 (collect)

American Express Financial Services – In Canada/U.S. : 1-888-461-2639 (toll-free), Outside Canada/U.S. : (905) 474-9383 (collect) 

American Express Customer Service US

General Information – Toll Free Customer Service (General inquiries, lost or stolen cards) – 24 hours-a-day, 7 days-a-week 1-800-528-4800 (toll free), 1-800-221-9950 (TTY/TDD)

Small Business – Phone Customer Service 1-800-492-3344 24/7

Merchant Service – Customer Service 1-800-528-5200 MON – FRI: 8 AM – 8 PM ET

Corporate Cards – Customer Service (Cardmembers Only) 1-800-528-2122 24/7

Travel – Reservations for Air, Hotel and Card Rentals 1-800-297-2977, Outside US 1-312-980-7807 24/7, Cruises 1-800-297-5627 Mon to Fri: 9 AM – 9 PM Sat – Sun: 10 AM – 6 PM ET

Savings 1-800-446-6307 24/7

American Express Loans – Personal Loans 1-844-273-1384 MON – FRI: 9 AM – 8 PM ET, Business Loans 1-888-781-6972 MON – FRI: 9 AM – 8 PM ET

Conclusion

Looking for customer service help can be a daunting task. However, with the above American Express customer service phone numbers above. Hopefully this becomes a much easier endeavor and you are able to contact who you need to to address your problem or situation. A lot of times looking for help is like digging for buried treasure. Hopefully with this information, the digging will be a lot easier.

Charles Schwab Customer Service – Phone numbers and Other Contact Information

A picture of a phone to denote Charles Schwab customer service contact information.

Are you looking for Charles Schwab customer service information? Searching for it can be a daunting task. This is because Charles Schwab is a large investment bank. As a result there are many departments which can make contacting them a bit more confusing. However, here is some of the main contact information that can help you listed below.

Charles Schwab Customer Service

Main Telephone Number800-435-4000 Available 24/7

Brokerage Services – TeleBroker® 800-272-4922; Schwab 529  888-903-3863
Monday-Friday, 6:30 a.m.-3:30 p.m. PT; Via TTY services for the hearing impaired 800-345-2550

Multilingual and International Services – Mandarin or Cantonese 800-662-6068 and from Outside US 1-415-667-8400; Vietnamese 866-824-8438 and from outside US 877-853-1802; Spanish 800-786-5174

Lost or Stolen Card – Report a lost or stolen Schwab One® Visa® Platinum Debit Card
800-421-4488 24/7 access and from outside US 1-317-596-4501

Schwab Bank for Checking888-403-9000 Monday–Friday, 4:00 a.m.–8:00 p.m. PT (excluding bank holidays), Saturday and Sunday, 6:00 a.m.–7:30 p.m. PT; Schwab Bank Automated Services 877-824-5625 24/7; Report a stolen Schwab Bank Visa® Platinum Debit Card 888-403-9000 24/7 access and from outside US 1-317-596-4501; Mortgage Customers (questions on who to contact) 800-279-3005

Schwab Intelligent Portfolios855-694-5208 investment professionals available 24/7

Schwab Trading Services – Prospective clients: 888-245-6864 available 24/7, Current clients: 800-435-9050 available 24/7

Online Chat and Mail Addresses

Online chat – There is also an online chat that you can use 24/7 to ask some questions and get some answers.

U.S. Mailing Address

Standard Mailing Address
Charles Schwab & Co., Inc.
El Paso Operation Center
P.O. Box 982600
El Paso, TX 79998

Overnight Mailing Address
Charles Schwab & Co., Inc.
El Paso Operation Center
1945 Northwestern Drive
El Paso, TX 79912

Standard Mailing Address
Charles Schwab & Co., Inc.
Orlando Operations Center
P.O. Box 628291
Orlando, FL 32862-8291

Overnight Mailing Address
Charles Schwab & Co., Inc.
Orlando Operations Center
1958 Summit Park Drive, Suite 200
Orlando, FL 32810

International Mailing Address

Regular Mail:
Charles Schwab & Co., Inc.
Attn: Global Operations
PO Box 2912
Phoenix, AZ 85062-2912
USA

Overnight/Express Mail:
Charles Schwab & Co., Inc.
Attn: Phoenix ROC Document Control (Global Operations)
2423 E. Lincoln Drive
Phoenix, AZ 85016
USA

Conclusion

As seen above, there are a variety of phone numbers to contact Charles Schwab depending upon your problem or question. However, if you are confused and when in doubt, it would be best to call their main number and go from there as whoever you are speaking to you can put you in the right direction. For ones who do not like using the phone, the online chat option might be beneficial. Hopefully the above information regarding Charles Schwab will be helpful to you.

One Time Payment for Older Seniors Starts This Week (Government of Canada)

A picture of a person holding money to highlight the one time payment for older seniors will be paid out starting this week.

Starting this week, a one time payment for older seniors will be sent out by the Federal government. The amount of this payment is $500.00. This payment is taxable. What are the criteria for receiving this payment?

One Time Payment for Older Seniors – Criteria

The government of Canada’s website lists two criteria for seniors to be eligible for this one time payment. First, the person would have to been born on or before June 30, 1947. Second, they would have to be eligible to receive the Old Age Security pension as of June 2021.

If you have applied for Old Age Security but have not yet been approved, you will receive the one time payment if you are approved for Old Age Security retroactively to June 30, 2021 or earlier.

How Will I Receive My Payment?

The government’s website above says that if you receive your Old Age Security by direct deposit, then the one time payment will be directed deposited to you in the week of August 16, 2021. If you receive your Old Age Security by cheque then you will receive the one time payment by cheque.

Finally, no taxes or deductions will be taken from your one time $500 payment. However, because it is a taxable benefit, you will be sent a tax slip and you will be required to declare this amount on your income tax return for 2021.

Conclusion

The one time payment for older seniors is a nice little boost for them during these difficult times. Many seniors have very little income, so anything extra can go a long way. If you are eligible, make sure that you have applied for Old Age Security to make sure you will receive this payment as this is free money. Actually nothing is really free but this is as free as it can get.

Canada Recovery Benefits Unavailable if You Have Not Filed Your Taxes For 2019 and 2020

Picture of Canadian money to highlight paying taxes and highlight subject of Canada Recovery Benefits unavailable if you have not filed your 2019 and 2020 taxes.

The Canada Recovery Benefits (CRB) are now unavailable to people who have not filed their 2019 and 2020 tax returns. This is according to recent changes to the government of Canada’s website on the criteria of receiving the Canada Recovery Benefits (CRB). This means you need to file your taxes to keep qualifying for the emergency benefit. However there are some exceptions below.

Canada Recovery Benefits Unavailable – Exceptions

A recent news article noted some exceptions to this which are listed below:

  • A 2019 or 2020 tax return won’t be required if you applied for fewer than 21 periods since September 27, 2020.
  •  You applied for the time period of July 4 to 17, 2021, or during earlier time periods.

Conclusion

If you have been collecting the Canada Recovery Benefits or might be planning on applying for it in the new future, you will need file your taxes. The government has this as one of it’s criteria when you apply. So there is no way around it. However, there are exceptions as mentioned above but it is limited. The government has been hinting at this and now it is here. So now we must adjust.

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