1. Free Dating Site In Us And Canada That Does Not Require Payment Of Federal
2. Free Dating Site In Us And Canada That Does Not Require Payment Of Foreign
3. Free Dating Site In Us And Canada That Does Not Require Payment Of Medicare

If you are looking for free dating sites in USA to find the perfect match for yourself then you have come to the right place. There are thousands of options right across the corner but of course plenty of them comes with some kind of limitations and issues and I hope you would not want to face the same.

A comprehensive list of frequently asked questions (FAQ's) on dividends for shareholders. The list of FAQ's include information for ordinary and preference shareholders as well as ADS holders. Look at our health site in case you want to to improve. For my 10 year old, since synthetic does not stretch and cleats binnen junior size are not that. Last, but not the least on our list of best dating sites and free dating sites in usa without credit card is Mingle. They promise that their website is free and will always be. They allow the members to browse by location with their massive community of singles through their desktop site or through their Android and Apple app.

So, here are the most reliable suggestions you can consider in order to find the one for yourself. In fact, going by the statistics, 70% people met online end up marrying too. And of course with the busy lifestyle it becomes next to impossible to find someone in person. So, I hope technology favors you this time for finding the love of your life.

Top 10 Free Dating Sites in USA without Payment

You would have been wondering that if there are thousands of such dating sites then why I am picking only 10 of them. This is because not all of them offer their services for free and this section is all about finding the free dating websites in USA which do not involve any payment procedures. So, with numerous features and reliable services, you can consider the ones given below.

1. Ashley Madison

Website:https://www.ashleymadison.com/

You would be shocked to know it but there are totally free dating sites in USA like Ashley Madison which offers its dating service to people who are already married but looking for an affair. In fact, the tag line of AM says that “life is short, have an affair.”

But obviously anyone can use this service like single, married, divorcee who are looking to explore the community of open-minded dating people.

This dating service works completely independent and you do not need to link any of your other account with it. You can also use their privacy options to access full control over what you wish to show people and what not. They even have an instant messaging service to fasten up the pace of dating online.

2. Plenty of Fish

Website:http://www.pof.com/

Plenty of Fish is for those people who believe in striking a conversation detailed enough to make it to the next step. It provides better conversation features than other free dating sites in USA and of course, you need not to pay anything for the services.

You need to go through a sign up process before you can finally start finding the right match for yourself on this website. And needless to say, there are number of people you can connect with.

Unlike other free dating sites in USA without payment, PoF provides a Chemistry Test which helps people in matching with the people having similar personalities. This is the main reason that people meeting through PoF are more likely to end up being together.

You can also use this service in form of mobile application too. The site also provides upgrade regarding the services which is a paid feature. It is completely safe to access PoF as every activity requires permission from the user for the completion.

You may also like to read an article on Best sites like POF.

3. Match

Website:http://www.match.com/

Another popular name in the field of free dating sites in USA is Match. In fact, Match not only works in USA only but provides its services to 24 countries too. This platform is available in 15 different languages where you need to create a profile in order to get started.

Each profile can contain up to 26 photos which I think is enough to let people have a glimpse of your lifestyle and to project yourself in front of them.

There are also plenty of other sections which you need to fill up to provide your basic information. In fact, in order to maintain the privacy of a user, all the sensitive information like name and contact remains hidden until the user does not want to share it.

And of course, it is absolutely free to create a profile and use the features on Match. Match offers both local as well as international connectivity options and definitely one of the most useful service for finding the right match for yourself.

4. eharmony

Website: https://www.eharmony.com/verify/

eharmony is considered to be a trusted online dating site for the singles from across the world. It uses a very scientific and reliable approach in matching the highly compatibility singles and of course it works for everyone no matter where they are living.

eharmony is very systematic in its approach and work as one of the most reliable free dating sites in USA.

You need to answer certain questions which narrow down the searches of people for you. Now, you need to answer compatibility questions which provides the results of people who think alike you. You can review the profiles of these people to find the right match for yourself. And of course this process is totally free.

Well, of course there are some subscription packs available too but it is completely your choice to go for them. Moreover, eharmony also provides dating services for everyone like Asian, black and even for senior people too.

5. OkCupid

Website:https://www.okcupid.com/

OkCupid helps people in connecting on the basis of their personality rather than just a picture. This is one of the most popular free dating sites in USA without credit card and really helps you in finding the right one for you without changing your personality.

They showcase exactly who you are which is done by answering the questions asked on their platform to shape up your profile on this platform.

They also have a messaging system which is only for those people who are actually interested in each other and does not work for other ones. It is definitely something you would always wanted to try but surely were skeptical about.

And of course OkCupid is for everyone, no matter whether you are straight or gay or lesbian and whatever else. With their free services, you always have scope to find the right one for yourself. They also offer an upgrade plan which provides ad-free interface and more features.

6. Elite Singles

Website:https://www.elitesingles.com/

Elite Singles is not about the casual flings or one night stands but this service is available for the people who are genuinely interested in long term commitments. In fact, more than 80% people you will find on Elite Singles have either Bachelor’s, Master’s or at least a Doctorate degree.

It is definitely something one should try while looking for the free dating sites in USA. And of course it provides its services to international users too.

The matchmaking process on Elite Singles is carefully curated and based on various personality tests questions regarding mutual compatibility. I will highly recommend this service to the professional people who are looking for a serious relationship in their life.

Of course, like the rest of the dating websites, this one also offer an upgrade service which is obviously a paid feature. And not to be forgotten Elite Singles is available for all types of people no matter what their gender, ethnicity or orientation is. And you can also try out their mobile application for a better experience of accessing.

7. Chemistry

Website:https://www.chemistry.com/

Chemistry is actually a sister site of match.com only but it aims at pairing two people for a serious and longer relationship rather than involving them in just one-time meet ups. Its main focus remains on compatibility between two people.

While creating a profile on Chemistry, you need to go through Chemistry’s Personality Test which is a fun and in-depth way of finding the right match for yourself.

The site suggests you potential matches on the basis of this test input you have provided. Apart from distant matches, you can also discover local matches too. So, this is quite like laying a foundation for your in-person meeting which increases the chances of developing an interest in someone.

However, Chemistry does not have any mobile application of its own which is a huge let-down. But definitely there are some paid upgrades through which you can take your experience here to a higher level.

8. Tastebuds

Website:https://tastebuds.fm/

Tastebuds is the most unique addition to the list of the free online dating sites in USA. This dating site provide options of the potential matches on the basis of the shared taste in music. This unique approach makes it even more interesting for the users to get connected through it.

So, while you are using Tastebuds, you can definitely find new people as well as new music too. And the people sharing same taste in music surely lasts longer together.

Creating a profile on Tastebuds is totally free and you can also go for a quick sign up process through Facebook too. After connecting with people, you can chat with them which is a big advantage here in terms of connectivity. So, definitely this website is not only for dating but for also finding your music friends, concert buddies etc.

The process starts from simply browsing your music matches and then you need to send them a song to strike the conversation. Rest of the privacy options lies in your hands only.

9. Zoosk

Website:https://www.zoosk.com/

Are you tired of meeting same dull people who you share no connectivity with? Well, I am sure you would love to try Zoosk then which is an ultimate solution of finding happening and fun people who share great compatibility with you.

These are the types of free dating sites in USA which revolutionize the idea of dating completely. And starting this process is so simple just by creating a profile here.

This service is available in form of mobile application too for various platforms. There are more than 8 million verified people on this site and you can use the medium of instant messaging to strike a conversation with someone you have interest in.

The suggestions are shown on the basis of personalized SmartPick which considers your likes and preferences. In fact, Zoosk also maintains high level security for the verification of the users on its platform. You can also become a paid subscriber here to enjoy more benefits of this platform.

10. BlackPeopleMeet

Website: http://www.blackpeoplemeet.com/

I am sure you would have understood by the name of this website that this online dating service is available of black people only. It is definitely a more secure and ideal way to give a chance to black people to find the right match for themselves in their own community.

These are special type of free dating sites in USA which focuses on a special ethnicity. There are other websites too which runs such kind of subsidiary services too.

This service allows you to send and receive emails for the mode of communication. However, the amount of information you want to make public lies in your hands only. But your basic information and photo will be visible to let people acknowledge you.

You can try out their mobile applications for a better accessing experience. It is totally free to use the features of this service and it does not even have any upgrades too. However, the site surely contains ads which are kind of annoying.

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Conclusion

You would be glad to know about the diversity involved in the kind of free dating websites in USA that I have mentioned right above. They provide dating options for all types of people living in USA like straight, gay, man, woman and even elderly people too.

In fact, Ashley Madison is a dating site popular for people who wants to have an affair while Black People Meet is especially for finding the right match for black people. So, while you are still struggling to swipe right on Tinder, you can definitely ditch the local dating app for a while and prefer more open options like these sites.

My Service Canada Account or MSCA is an online, free tool from Service Canada which delivers a wide range of government benefits and services.

The My Service Canada Account provides you with secure online access to your Employment Insurance (EI), Canada Pension Plan (CPP), Guaranteed Income Supplement (GIS), and Old Age Security Pension (OAS) report and details.

If you are a new immigrant to Canada, you must consider registering for the My Service Canada Account (MSCA) as it’s really important during your stay here.

Enrolling in the MSCA earlier will be better for you in terms of knowing and applying for government benefits. For example – Canada Child Benefit or GST/HST Credit payments. So make sure you complete the registration process sooner than later. It is a mandatory step if you plan to live in Canada.

In this article, let’s take a look at everything the My Service Canada Account (MSCA) has to offer, including access, features, and benefits, how to file an online EI Internet Report.

Let’s get started.

What Is The My Service Canada Account (MSCA)?

The My Service Canada Account (MSCA) is an online platform that allows you to view and access Government services and benefits such as the Employment Insurance (EI), Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS).

My Service Canada Account (MSCA) provides you with a single point of access to view or update your information with the Employment Insurance, Canada Pension Plan, Canada Pension Plan Disability, and Old Age Security programs. MSCA can also be used to register for the Employment Insurance special benefits for self-employed people.

If you intend to live and stay in Canada, you must register for the MSCA, it’s mandatory and you’ll eventually be signing up anyway.

I’ve listed down all the features and benefits of registering to the My Service Canada Account in the sections to follow.

My Service Canada Account (MSCA) and Employment Insurance (EI) Benefits Explained

In this section of the post, I’ve highlighted the benefits and features you’ll get by registering and logging into the My Service Canada Account (MSCA).

Remember, it’s always free to sign up for the MSCA account and it’s mandatory to do so if you intend to stay or work in Canada.

First, let’s talk about the My Service Canada Account and the Employment Insurance or EI Benefits associated with it.

By logging in to the online My Service Canada Account (MSCA) you’ll gain immediate access to the Employment Insurance (EI) information and benefits:

1. With the My Service Canada Account (MSCA), you’ll be able to check your current EI application status (once applied for), Employment Insurance payment information (both current and past payments), and look at your current or past EI claims you’ve made till date (The complete list over the years)

2. You can enroll for the My Service Canada Account’s, Alert-me email notifications. With this feature, you’ll periodically receive important email notifications from Service Canada regarding your Employment Insurance (EI) application status or any other important tax information/discrepancies

3. By using the online MSCA, you’ll be able to view and print your T4E tax slips. In case you don’t know what T4E’s are. T4’s are issued every year by your employer which can then be used to file your Income taxes. T4’s contain important employment information such as gross pay, income tax deducted, EI premiums paid and how much you’ve paid for the year, CPP pension amount, RRSP contribution, etc.

4. By accessing the MSCA online account, you’ll be able to view your existing Records of Employment (ROEs) from your past employers.

ROE’s are submitted to Service Canada by your employers electronically in the case of a job loss or layoff.

ROE’s are mandatory while applying for the Employment Insurance (EI) Benefits during a job loss/lay off without any fault of yours aka you’re fired for no reason of yours. Remember if you are filing for Employment Insurance, ROE (Record of employment) is almost mandatory for your application to be processed and approved. So make sure everything is in place and correct.

5. You can get your EI benefit amount as a direct deposit to your bank account by registering for one through the My Service Canada Account. All you have to do is enter your online banking information for the direct deposit and you’re done. You’ll start receiving the EI benefits directly to your bank account once every two weeks.

The other advantage you get by doing so is, once your bank details have been updated, the system will automatically process the same information for any other benefits you may be eligible and apply for. For example the recent CERB payments.

6. With MSCA you update or change your personal information records such as change of address, bank information changes, etc. It’s online and easy.

7. While receiving the regular EI benefit payments, in case you are enrolled in any training’s outside of Canada, you can submit the electronic forms or eForms to update your information through the My Service Canada Account.

8. Finally, with access to MSCA, you can quickly register for Employment Insurance (EI) benefits payment (in case of job loss) for both full-time and self-employed professionals. Also, you can cancel receiving your EI Payments once you find a new job.

My Service Canada Account (MSCA): Canada Pension Plan (CPP), Old Age Security (OAS), Guaranteed Income Supplement (GIS) – Features and Benefits

The My Service Canada Account offers a huge range of services and benefits when it comes to CPP, OAS, and GIS benefit payments, dates, and direct deposit information.

Here’s the complete list of what the My Service Canada Account offers to you:

1. By accessing the MSCA account, you can apply for the OAS (Old Age Security Pension) and GIS ( Guaranteed Income Supplement) payments online

2. You’ll be able to apply for the CPP (Canada Pension Plan) online

3. If required, you can request for your Child Rearing Provision (CRP) online. CRP is basically for low-income individuals or families with kids, claiming higher pension (CPP) amounts.

4. You can also look at the past CPP contributions that you have made or get an estimate of your monthly CPP benefits amount anytime.

5. If you have applied for the CPP or OAS, You can view your current application status and payment information by logging into the My Service Canada Account (MSCA).

6. You can view and print your T4A, NR4 tax slips

7. You can share your direct deposit information between CPP and the Canada Revenue Agency (CRA). By doing so, you can save all the hassles under one roof and expect payments to be processed faster and deposited sooner.

8. Next, By logging into the My Service Canada Account, you can view or update your personal information for OAS and CPP payments. You can also opt for the delay in receiving your OAS pension (OAS Clawback) which is quite handy. If you want to learn more about OAS clawback click here

10. By accessing the online MSCA account, you’ll be able to start, stop, change and update federal voluntary tax deductions from CPP and OAS

11. Last but not least, by accessing the MSCA and with the help of a representative, you can give consent for someone to communicate with CPP and OAS on your behalf.

What Is A GCKey?

GCKey lets you securely access the Government of Canada’s online services – Service Canada website. It includes a username and password that you choose while creating a new MSCA account.

Please note that there are certain rules and restrictions for creating a new username and password. The restriction includes the minimum password length and if the username is already chosen by others, you might want to choose another one, etc.

You should also create security questions and answers. This keeps your data secure and lets you recover your account in case you forget the password or want to recover one.

GCKey Registration Process

Now that you know what a GCKey is, let’s quickly look at the GCKey registration process:

• Create a User ID

• Create recovery questions, answers, and hints

• You’ll then be able to create and confirm a password

How Do I Access The My Service Canada Account? (MSCA)

Before you can register for the My Service Canada Account, you’ll need an access code. To get the access code from Service Canada, you will have to request one.

If you are applying for the Employment Insurance (EI) benefits you will require a Personal Access Code or PAC. We will look at how to get the EI Access Code and PAC in just a bit

The four-digit numeric personal access code or PAC is printed in the shaded area on the benefit statement mailed to you after you apply for the Employment Insurance benefit payments.

Usually, it takes a couple of days to receive the personal access code by snail mail. Also, depending on where you live it might take even longer to receive.

Information Required For The Personal Access Code (PAC)

• Social Insurance Number

• First name

• Last name

• Date of birth

• Mother’s maiden name

• Postal code and address information

Once you are done keying in the above details, hit the submit button and you’re done.

It will take approximately five to ten working days to receive your personal access code by snail mail.

Personal Access Code (PAC) vs. EI Access Code

Personal Access Code or PAC is a 7-digit code that is mailed to you, which you’ll receive in 5-10 business days. It is required to register for the My Service Canada Account.

Whereas, if you are applying for the EI benefits, you’ll need an EI access code which is 4 digits and you will receive this along with your EI benefits statement mail upon completion of the registration.

Do remember that the EI access code can be found printed in the shaded area of the benefits mail.

How To Register For The My Service Canada Account? (MSCA)

Now that you know what is a Personal Access Code (PAC) and how to get it, let’s talk about the registration process and logging into the My Service Canada Account for the first time.

First, on the My Service Canada Account (MSCA) website, you can either choose to login with a GCKey or a Sign-In Partner.

You’ll be able to login using a GCKey by using a User ID and password.

The other option is using your Canadian banking credentials by using a Sign-In Partner which I almost end up using all the time to log in.

Example – Your TD, CIBC or RBC Online Banking details (usually debit card number and password). There’s a huge list of sign-in partners.

As soon you log in to the My Service Canada Account for the first time (using a sign-in partner), you need to have the access code handy, only for the first login, later on, you don’t need it to log in.

From the second login onwards (once set-up), it’s fairly straightforward and easy logging into the MSCA.

Also, signing in through the partner credentials is pretty secure, no personal information is shared between the two institutions, it is just to make sure you are the person trying to use and access the government services.

For first-time MSCA users, please follow the registration process as outlined in canada.ca to complete the sign-up process before you can log in and access all the features and benefits.

To sum it up, once you have the personal access code, you can register for My Service Canada Access (MSCA).

If it is your first time accessing the My Service Canada Account, you will need:

• your PAC or EI access code

• your SIN

• and date of birth

How Do I Login To The My Service Canada Account? (MSCA)

You have a whole bunch of Sign-In partners available with MSCA.

You can look at the complete list here. (Almost every major financial institution is covered). You’ll have to:

• Agree to the terms and conditions

• Choose a Sign-In Partner which you’ll access the My Service Canada Account every time.

How To Use The My Service Canada Account? (MSCA)

1. First login to the My Service Canada Account (MSCA) by clicking the link here.

2. You have two options to login:

1. First, by using the GCKey

2. Second, by logging in using your existing bank credentials. Remember you need to pre-authorize and enable My Service Canada Account (MSCA) to use this method.

3. Once you have successfully logged in to your My Service Canada Account (MSCA), you’ll see the following account options enabled on the welcome screen:

1. View my EI status and correspondence

2. View my Tax Slips for EI / CPP / OAS (T4E, T4A, NR4)

3. View my EI payment information

4. View my Records of Employment

5. Complete my EI report online

4. Depending on what your needs are, click on the appropriate link and navigate to the specific page/links.

5. By logging in to your My Service Canada Account, you can scroll down in the welcome home screen and click on the apply button to apply for CPP, GIS, OAS, EI and International Benefits.

Employment Insurance (EI) is an unemployment insurance program in Canada that allows individuals who recently lost their job due to no fault of theirs. I mean laid off in simple terms.

Unemployment raises money issues for lots of people and this is something that the Canadian Government is aware of. This is why they offer Employment Insurance or EI benefits (a form of temporary financial assistance) to individuals that are eligible. Over half a million people benefit from this monthly.

Employment Insurance can serve as a source of income for those that have lost their job. It is subjected to tax deductions. Employment Insurance can be availed for a minimum of 14 weeks to a maximum of 45 weeks.

However, to receive EI payments online you should have paid regular EI premiums for the past 12 months at least.

But don’t worry your employer usually takes care of the bi-weekly or monthly EI premiums as a part of your paycheck.

If you are a contractor or a small business owner, you may individually contribute to the EI as part of your incorporation.

Service Canada EI Benefits are usually in the form of temporary financial assistance which lasts for 12 months from the date of benefits start date and once your EI application is approved.

Once you find a new job, your EI payments will immediately stop and you will no longer receive any more payments. Also, if you work part-time while searching for a job, your EI payment amount will get reduced. It all depends on the income you make bi-weekly while on EI payments.

EI payments usually last for a year and all applications are manually approved once applied for.

You May Be Eligible For Employment Insurance Benefits if you:

• Lost your job through no fault of your own (e.g. terminated without cause, or if you quit for certain acceptable reasons such as provable harassment, toxic work environment)

• Were employed in insurable employment and have worked the required number of hours are looking for work each day and continue to document these efforts

• your regular weekly earnings from work have decreased by more than 40% for at least one week

• you have accumulated 600 insured hours of work in the 52 weeks before the start of your claim or since the start of your last claim

• you’re unable to work for medical reasons

You may, however, be considered to be Ineligible for Employment Insurance (EI) benefits if you:

• were terminated for misconduct

• are unemployed because of directly participating in a labour dispute

• voluntarily left your job without just cause

• are confined to a jail or similar institution

Who Can Apply For The Employment Insurance (EI) Benefits?

If you’re a Canadian either living in the country or abroad, you might be eligible to receive the EI Payments, all you have to do is to apply for one.

But, before that please make sure you fall into one of the below categories before you apply:

1. Regular EI Benefits

You can apply for the regular EI benefits if you have lost your job through no fault of your own (laid off). You’ll receive regular bi-weekly EI Payments while you actively search for public and private sector job opportunities.

2. EI Sickness Benefits

You can apply for the EI “Sickness EI Benefit” if you are unable to work due to illness, injury or quarantine (COVID-19). Click here to apply.

COVID-19 EI Sickness Benefits Update

You can apply for the Employment Insurance sickness benefits and receive up to 15 weeks of financial assistance if you cannot work for medical reasons and quarantine. As part of this benefit, You’ll receive 55% of your regular earnings up to a maximum of $573 per week.

All you have to do is – get a medical certificate to show that you’re unable to work for medical reasons. Note that – Medical reasons include illness, injury, quarantine or any medical condition that prevents you from working. Click here to learn more and to apply now for the EI Sickness Benefit (COVID-19).

3. EI Maternity and Parental Benefits

You can apply for the EI “Maternity and Parental Benefits” if you’re pregnant, have recently given birth, are adopting a child or are caring for a newborn.

4. EI Caregiving Benefits and Leave

You can apply for this EI Benefit if you are providing care or support to a critically ill or injured person or someone needing end-of-life care.

5. EI Special Benefits for the Self-Employed

You need to register and apply for special benefits if you are self-employed.

Click here to apply for this benefit.

6. EI Benefits For Canadians Living Abroad

If you currently live or work outside of Canada, you can still be eligible to receive the EI Benefits.

Click here to learn more and apply for this benefit.

7. EI Fishing Benefits

Are you a Canadian Fisher looking for EI Benefits? You can apply for EI Benefits if you are a self-employed fisher and actively seeking work.

Click here for more details and to apply for the EI Fishing benefit payments.

8. EI Benefits Information for Employers

If you are a Canadian Employer looking out for Information about records of employment (ROE), managing insurance premiums, obtaining EI premium reduction reports or supplementing benefits click here to learn more.

How To Apply For Employment Insurance In The My Service Canada Account?

1. Gather supporting documents:

• Medical certificate: You’ll need to get a medical certificate signed by a medical practitioner

• Record Of Employment or ROE

2. Complete the online application:

• Ensure that the names and addresses of your employers in the last 52 weeks, the dates you were employed with each employer and the reasons you’re no longer employed with them.

• You need to provide a detailed explanation of the facts if you quit or were dismissed from any job in the last 52 weeks

• make sure to include your full mailing address and your home address if they are different, your social insurance number (SIN)

• you’d also need your mother’s maiden name and your banking information, including financial institution, branch (transit) number and

• finally, your bank account number, to sign up for direct deposit are available before completing the application

3. Provide supporting documents

4. A benefit statement and access code will arrive by mail

5. Review your application status

If you travel outside of Canada, make sure to fill out an Absence from Canada form on My Service Canada Account.

An individual is not eligible to receive sickness benefits while outside Canada. However, the person is eligible if medical treatment is not available where you reside.

Employment Insurance Benefits And Record Of Employment (ROE)

To apply for Employment Insurance, you’ll need the ROE (Record Of Employment) from your employer and upload it online before your EI application is approved and EI benefits start.

Usually, your employer takes care of submitting the ROE part, the important thing to note here is that your employer should not mention the reason of termination otherwise – such as fired or any other reason which can deny or delay your Employment Insurance payment.

The reasoning on the ROE is usually laid off for company downsizing or in similar lines. So please be careful of what the reason for termination is in your Record Of Employment.

In addition to receiving financial assistance, the Employment Insurance program also assists the unemployed with job search services.

Once you apply for the Employment Insurance benefits, your application is usually approved provided all the details are duly filled and ROE is good.

How To Find Your EI Claim Status?

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1. Log in to your My Service Canada Account.

2. Click on the link “View My EI Status and Correspondence”

3. Then, choose one of the options as per your need. Screenshot below.

How Do I Check My EI Claim In The My Service Canada Account?

Once you have successfully logged into your MSCA account homepage, you can use the My Service Canada Account to view your electronic Records of Employment (ROEs) and information on your previous or current Employment Insurance claims.

The information available in the MSCA Employment Insurance (EI) Claim includes your:

• Weekly benefit rate

• The start and end date of your claim

• The start and end of your waiting period

• Your weekly allowable earnings

• The number of weeks you will be entitled to receive EI benefits

• The number of weeks of EI benefits you have already received

• Payment deductions if any

Below is the screenshot of the EI Status and Correspondence in My Service Canada Account (you need to login and click on the first link for EI there)

How Much EI Will I Get?

EI is usually calculated at 55% of your average insurable weekly earnings. The maximum amount payable is $540 per week.

EI Payments are usually paid out on a bi-weekly basis to your bank account if opted for the direct deposit or you’ll receive a cheque for the eligible amount once applied for.

How To Claim EI For Sick Leave?

Employment Insurance (EI) sickness benefits can provide you with up to 15 weeks of financial assistance if you cannot work for medical reasons.

The maximum EI amount payable is $573 a week for Sick Leaves.

Click here to apply for the EI Sick Leave benefit payment.

You must get a medical certificate to prove that you’re unable to work for medical reasons. Medical reasons can include illness, injury, quarantine or any medical condition that prevents you from working.

Employment Insurance Benefit for sick leave will no longer be available if:

• you’ve received 15 weeks of sickness benefit payments

• you’ve received the maximum weeks of benefits payable to you when combining EI benefit types or

• you no longer need to be away from work because of your medical condition

• you have reached the end of your claim period

When you start a claim for any type of EI benefit, your claim is open for a specific period of time. This is often for 52 weeks. In some cases, the claim period may be extended to a maximum of 2 years

How To Claim EI For Maternity Leave?

If you’re a biological or surrogate mother who s pregnant or has just given birth, you may be eligible for maternity leave benefits through Employment Insurance (EI). It is 15 weeks of maternity leave followed by 35 weeks of parental leave.

The amount paid depends on a person’s income. It is calculated by finding 55% of an individual’s biweekly income.

The maximum amount payable is $562 per week, as of January 2019.

In 2017, the Canadian Government came up with an 18-month maternity leave plan instead of the 12-month plan. Employment Insurance was calculated as 33% of an individual’s biweekly income over 18 months instead of 55% across 12 months.

Soon-to-be mothers are advised to apply online for benefits immediately they stop work to avoid delay in payments.

Maternity benefits need to start being paid either before the baby is born or as close to the birth date as possible. This is because the maternal benefits must end 17 weeks after the birth week. After this, parental benefits begin.

It is also advisable for women to apply for parental benefits at the same time they apply for maternal benefits. It should also be indicated whether said benefits will be shared with the other parent.

EI Maternal Benefits

EI maternity benefits are provided for biological mothers and surrogate mothers, who are unable to work because they are pregnant or have recently given birth.

A maximum of 15 weeks of EI maternity benefits is available.

EI Parental Benefits

EI parental benefits are offered to parents who are caring for a newborn or newly adopted child or children.

There are two parental benefit options available:

• Standard parental benefits: it can be paid for a maximum of 35 weeks and must be claimed within 12 months after the week the child was born or placed up for adoption.

• Extended parental benefits: it can be paid for a maximum of 61 weeks and must be claimed within 18 months after the week the child was born or placed up for adoption.

You should note that the number of weeks/months given for maternal or paternal benefits does not change irrespective of the number of children born.

EI Paternal and Maternal Benefits – How Much Will You Get?

You may be eligible to receive EI maternity or parental benefits if:

• your normal weekly earnings are reduced by more than 40%

• you have accumulated at least 600 hours of insurable employment during the qualifying period

• you are employed in insurable employment and meet the specific criteria for receiving EI maternity or parental benefits

Application Process For The Maternal and Paternal EI Benefits

Application for both maternity and parental EI benefits is usually done online and through the My Service Canada Account (MSCA)

It is compulsory to provide the expected or actual date of birth when applying for maternity benefits. But, when applying for parental benefits, it is a must to provide the date of birth of your newborn or, in the case of an adoption, the date on which your child was placed with you.

You must also provide the full name and address of the agency handling the adoption and the Social Insurance Number of the other parent if you plan on sharing the EI benefits. Information on your employment will also be required.

Maternal and Parental benefits are also subjected to taxation by the Government.

Employment Insurance benefit for maternity and parental leave will no longer be available when:

• you have received all the weeks of benefits to which you were entitled or

• the maximum benefit period has been reached

• 52 weeks for maternity and standard parental benefits

• 78 weeks for maternity and extended parental benefits

• the payment timeframe during which you can receive benefits has ended

If you are receiving other payments as you are receiving maternity and parental benefits, there will be a deduction from your Employment Insurance (EI) amount.

Some of these payments include payments received as compensation for a work accident, certain payments received under an accident insurance plan, retirement income from a retirement plan, and so on.

However, there are certain types of income that will have no impact on your EI maternity and parental benefits. They include disability benefits, survivor or dependent benefits, workers’ compensation benefits paid under specific regulations, and so on.

How To Claim EI If You Are Self-Employed?

Canadian citizens or legal residents can access Employment Insurance (EI) special benefits by entering into an agreement, or registering, with the Canada Employment Insurance Commission.

There are 6 types of Employment Insurance Special Benefits:

• Maternity benefits

• Parental benefits

• Sickness benefits

• Compassionate care benefits

• The family caregiver benefit for children

• The family caregiver benefit for adults

How To Register For EI Benefits If you are Self-Employed?

EI self-employed registration can be done with the Canada Employment Insurance Commission through Service Canada if:

• you are either a Canadian citizen or a permanent resident of Canada

• you operate your own business, or if you work for a corporation but cannot access EI benefits because you control more than 40% of the corporation’s voting shares

If you are self-employed, you need to register online with the Canada Employment Insurance Commission to take part in the Employment Insurance program. To do this, you will need a My Service Canada Account (MSCA) which you can access online. After registration, you will receive a mail containing your personal access code within 10 days.

If you already have a My Service Canada Account, log in using your existing user ID and password. Select the “Employment Insurance for the Self-Employed” option on the main page to begin the registration process.

Your participation in the EI program will last throughout your self-employed career, irrespective of any change in the nature of your self-employment.

To apply, you have to wait 12 months from the date of your confirmed registration before applying for Employment Insurance special benefits.

If you are self-employed and you are also being paid insurable earnings as an employee, you can either apply for EI special benefits either as a self-employed person or as an employee, as long as you qualify for both.

If you are applying as a self-employed person, your income from both self-employment and employment as an employee will be put into consideration when your weekly benefit amount is being calculated, as long as your earnings from both sources are eligible. You must provide your Record of Employment to show details of your earnings as an employee.

How To Register For The Special Benefits EI Payments?

To apply for special benefits, you will need to complete an online application for EI benefits. It takes about an hour to complete the online application.

To apply, the following information is necessary:

• your Social Insurance Number

• your complete banking information to sign up for a direct deposit, including the financial institution name, the bank branch number, and your account number.

• mailing and residential addresses, including the postal codes

• your mother’s maiden name

How Do I Register For The Internet EI Reporting Online?

Have you applied for the EI (Employment Insurance) and waiting on the weekly payments?

Do you know that there’s a waiting period before you’ll actually start receiving the EI payments? Yeah, that’s right.

You will be able to check the EI Application status and the start date of the benefit by logging into the My Service Canada Account account online.

Simply put, to get your EI Benefit online payments on time every two weeks, you have to fill the MSCA EI Internet Reports on time every week.

How Do I Report My EI Online?

1. First of all, log in to your My Service Canada Account (MSCA) or click the link here to login.

2. Once you have successfully logged into your account, you will see the My Service Canada Welcome screen. Here on this screen, you can “View the EI Payment Information”, “View EI Status and Correspondence”, “View Records Of Employment or ROE” or “Complete your EI report online”

Do remember to complete the “EI Report Online” once every two weeks (bi-weekly) to avoid delayed EI payments. Once you complete the report, the system will automatically show you the next due date, so it’s pretty easy to mark your calendars or remember.

Also, when you log in anytime to the My Service Canada Account (MSCA) and try completing the report if it’s not due yet, the system will prompt you to log back in on the earliest date that you can complete filing the report. (PS – It hardly takes 5 minutes to complete the report)

Screenshot of the My Service Canada Account below (logged in – initial screen):

3. Click on the “View my EI Status and Correspondence” on the Welcome screen.

Here you will be able to see your EI Payment Information, Records of Employment from employers, Status and Correspondence and much more as seen in the screenshot below. You have a bunch of EI options and can choose accordingly based on what information you want to look into.

4. Next, click on the EI “My Payments Section”.

Here you can view your current EI payments. Also, you’ll be able to view all your EI payments paid so far. If you have applied for and waiting for the payments to come through, this section is not applicable to you yet. But, this is where you’ll see your EI payment information. So kindly note it down.

5. Now this one’s really important to note.

In order to get your Employment Insurance (EI) payments on time every 2 weeks, you’ll have to complete the online internet reporting.

Never miss completing your reports on time.

Completing the report is fairly easy. All you have to do is answer basic questions (7 or so with yes/no answers).

Here’s how you can do this – First, click on the Complete My EI Report Online Link

6. Click “Yes” on the pop-up message that shows up. Screenshot below.

7. You will then be taken to this page – which is where you will have to complete your online Internet Report.

Remember you need to complete reports every 2 weeks for the payments to come through. Never miss out on completing a single report. Mark your calendars if required and complete them on time every two weeks.

Payments are usually sent to your bank account wired. By Bank account, I mean the banking details you have provided to Service Canada or CRA.

8. After you have completed the Employment Insurance reports for the previous 2 weeks, you should be expecting payments usually on Tuesdays of the following week into your bank accounts.

Say for example you complete the report on Friday, you should be receiving the Employment Insurance Payment on Tuesday, next week. (That’s how I used to get paid, so based on the experience I am saying this, might depend on case-to-case basic which I’m not sure)

Also, please remember to always complete your bi-weekly EI report on time. Failing to do so on time, your EI funds will be held until you complete the report and you might even have to call the CRA to get this issue sorted.

Please don’t get into trouble, mark your calendars and always complete the EI report online. Also, when you log in to file your report, the system will prompt you on the date when you need to complete the next report. It hardly takes a couple of minutes to do so. (Just yes or no options, 5-minute job to be done)

9. That’s it! You are done filing your first EI Report Online or EI Internet Report Online.

It’s really easy and straightforward to get Online EI Payments in Canada!

Let me know if you have any questions or troubles in the comments section below.

MSCA and Canada Pension Plan (CPP)

Below is the list of CPP Benefits you’ll get by accessing it through the My Service Canada Account:

• Application for CPP payment retirement pension is made easier with My Service Canada Account. Applications made through MSCA are also processed faster

• You can check your CPP application status whenever you want to

• Also, you can view and print your official proof of payment report for your CPP benefits for the current year and the two years before

• Login to MSCA, to view, start, change or stop voluntary tax deduction. You’ll also be able to view your estimated gross amount, federal voluntary tax deduction and net monthly payment after deduction

• Request to receive and then print your T4A(P) tax slip for the CPP payment benefits, to use while filing income taxes

• You can start or stop the mailing of your T4A(P) tax slips from the MSCA account and online.

• If you need to request the child-rearing provision, you can do so by logging into MSCA.

• Having a My Service Canada Account will enable you to view your estimated monthly CPP payment benefits

• With MSCA, you can make changes to your banking information and choose which day you want for the said changes to take effect

• The option of sharing your direct deposit banking information between CPP and Canada Revenue Agency (CRA) is also available on MSCA

• You can give consent for someone to communicate with Service Canada about CPP payments on your behalf

• In addition, your Canada Pension Plan Statement of Contributions can be printed from My Service Canada Account. It is considered to be a legal document

• Moreover, If you are currently receiving CPP payments or if receipt of your first payment is pending, you can use My Service Canada Account to request an access code for My Service Canada Account (MSCA)

• You can use My Service Canada Account to change your address and telephone number(s)

  If you have authorized someone to act as power of attorney on your behalf, that person cannot use your My Service Canada Account

• With the MSCA, you’ll be able to get an estimate of your CPP payment retirement benefits

• You should know that if a registered trustee, guardian, or other legal representative is taking care of your financial affairs, neither you nor your representative can use a My Service Canada Account

PRO TIP – Always signup for the direct deposits in My Service Canada Account, this makes receiving your benefit amount that much faster and hassle-free. Do not go for paper statements unless it’s required. It’s always slow and delays are common. For your personal records, you can always print out the forms required and store them in a secure place.

Related: I’ve covered an entire in-depth article on CPP Payments. Click here to read

MSCA and Old Age Security Pension (OAS)

Using the My Service Canada Account, you can view the information of your Old Age Security pension (OAS). All the details of your OAS pension benefit including payment dates, details and monthly benefit amount is available on the MSCA tool.

By registering online for The My Service Canada Account or MSCA you’ll get a ton of benefits related to the Old Age Security Pension.

You can find all the features and benefits of accessing OAS through My Service Canada Account below:

• You will be able to apply online for the Old Age Security pension. Information such as your Social Insurance Number (SIN) and that of your spouse, where you have lived since age 18, your banking information (to sign up for direct deposit), the date you would like your pension to start, would be required of you.

• Moreover, you can view the status of your application for OAS benefits and update your direct deposit or banking information online

• Change your address and telephone number(s) under personal information

• You can authorize a person to give information to and receive information from Service Canada on your behalf

• In addition, as of July 2013, it became possible to defer OAS pension in exchange for a higher monthly payment for up to 60 months from the day you become eligible for payment. With My Service Canada Account, this can be done easily. It can also be used to delay OAS pension payment after receiving a notification letter of automatic enrolment.

• You can voluntarily request that federal income tax be deducted each month from your OAS payment with a My Service Canada Account.

• T4 tax information slips (for Canadian residents) and NR4 tax slip (for those who reside outside of Canada) that show the amount of OAS pension received the previous year can be printed online from MSCA as early as February 1st each year. This slip must be included whenever you file for annual income tax returns.

• You can view, start, change or stop your federal voluntary tax deduction and print an official proof of payment report of your OAS benefits

• You should note that if you have authorized someone to act as a power of attorney on your behalf, that person cannot use your My Service Canada Account. Also, If you have a registered trustee, guardian, or other legal representative taking care of your financial affairs, neither you nor your representative can use a My Service Canada Account.

Related: I’ve covered an entire in-depth article on OAS Payments. Click here to read

How Do I Contact Service Canada Regarding My Service Canada Account Account Issues?

In case you lost your employment insurance access code or worst still, did not even receive the snail mail; even after waiting for quite some time (weeks). What do you do in these situations?

My personal suggestion is to walk into a Service Canada Centre near your place and get it sorted out by talking to the representative there. It is quick, hassle-free and easy once you talk to a person there. Remember, you don’t have long queues especially on weekdays. If possible walk in on a weekday and early in the morning to finish quickly.

Calls to the Service Canada customer care can be a really long wait and frustrating. It can even take hours to reach an agent. Instead, just walk into the Service Canada centre and get it done!

Next, let’s take a look at the Personal Access Code (PAC) which is required and mandatory for logging into your My Service Canada Account (MSCA) and accessing the EI Benefits.

Service Canada Contact Details

For any further questions you may have regarding EI or MSCA access:

You can reach Service Canada at the toll-free number – 1-800-206-7218 between morning 8.30 to 4.30 pm.

What Is The Difference Between a My Service Canada Account (MSCA) and My CRA Account?

The My Service Canada Account or MSCA and CRA My Account are two different services from each of the Federal Government Agencies.

Though each of these services can be accessed individually with your own login, it is now possible to login to one service and then switches to the other without having to log in again.

How To Access MSCA From A Public Computer? (Safety Measures)

• Make sure you do not leave the computer unattended while you are connected to MSCA

• Be aware of the people around you as they can try to view your personal information while you are entering it into the computer or application

• Please make sure to pick up your print-outs at the public printer as soon as you have signed out of the website. Never leave them just lying there and you continue browsing the web to only pick up later

• Before leaving the public computer, it is important for you to completely log out of the MSCA website, clear the browser’s cache and cookies, and close down every window open so that no one else can access the personal information you had entered.

Final Words

There you go, just to recap, The My Service Canada Account (MSCA) is a free tool from Service Canada. It’s a really useful online platform with many benefits. If you live in Canada, then you should register for the MSCA account online.

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Furthermore, I’ve thoroughly listed all the benefits and features of using this tool.

Also, regarding the Employment Insurance or EI Reports Online, I’ve given plenty of useful information.

If you applying for online EI Payments and having any difficulties, please let me know in the comments below and I’ll be more than happy to help you.

Thanks for reading. Please let me know your thoughts and comments below.

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Sagar Sridhar is a personal finance blogger from Canada. His genuine passion for personal finance coupled with his unique style of writing is what stands out. Professionally, he is a computer engineer, agile certified and has a master’s degree in Project Management. His writing has been featured or quoted in the leading Canadian publications such as Credit Canada and many other personal finance publications. While he is juggling between his day job and blogging, he is the main author on this blog and has miles to go before making the final pit stop.