Maternity and Parental Leave Benefits (The Complete Guide Part II)

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Parental leave benefits are payments given to parents who are caring for a newborn or newly adopted child.

Your employer must give you a minimum number of months for maternity, parental and adoption leave. The number of months that you get varies by state and territory. However, employers do not have to cover you through this time.

Speak to your employer and discover out how much money you’ll receive from maternity and parental leave benefits even though you’re on leave.

You have to meet certain requirements to qualify for rewards.

Learn more about the eligibility standards for:

If you are self-indulgent and Arranging a family, enroll for Employment Insurance or the Quebec Parental Insurance Plan when possible.

  • Be enrolled with the EI application for at least 12 weeks
  • pay EI premiums for a Particular Time Period
  • If you’re self-explanatory in Quebec, then you also have to meet certain other states before you’re able to acquire parental advantages.

How long it will take to get maternity or parental benefits

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There will be a delay of 4 to 6 months before getting your payment.

It is possible to apply for EI maternity benefits until you give birth or even if your employer hasn’t yet issued your Record of Employment.

You’ll need a Record of Employment out of the employer to apply for maternity or parental benefits. If you’re adopting, be sure to include the adoption papers in your application.

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You won’t receive any money from benefits during this period. There’s no waiting period for benefits in Quebec and you’ll receive your benefits right away.

Amount of cash you will get from maternity and parental benefits
EI maternity and parental benefits normally cover just 55 percent of your earnings, up to some maximum sum.

The Quebec Parental Insurance Plan pays a maximum of 75% of your income, up to a maximum amount.

You’ll want to pay tax on any gains you obtain during maternity, parental or adoptive leave.

Learn how much you can expect to get out of EI maternity and parental benefits.

Employer benefits for new parents

Some employers offer their employees additional benefits when they become new parents. Examples include extended health and dental coverage and extra parental leave income.

Ask your employer about parental paid and unpaid leave.

Find out if you can:

  • use vacation and sick days to extend your parental leave
  • get health and dental benefits while on leave
  • continue to make pension contributions while on leave

Paying for health and dental benefits while on parental leave

Before you go on parental leave, find out:

  • how much health and dental coverage you’ll have while you’re off work
  • if you have to pay premiums for health and dental benefits yourself
  • if your coverage or payments will change when you switch from individual to family coverage

If your employer doesn’t cover health and dental benefits while you’re on parental leave, you may be able to pay for these benefits yourself. Ask your employer for more information.

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Remember to include any premiums you have to pay in your budget.

Coordinating insurance benefits

Coordinating your benefits with your spouse or partner’s insurance plan may allow you to claim up to 100% of your eligible expenses. Coordinated benefits allow you to submit one claim to your plan, and then submit a second claim to your spouse or partner’s plan to cover the rest of the expenses.

Making pension contributions while on parental leave

If you stop making pension contributions while you’re on leave, you’ll have less money from your pension in retirement.

If you contribute to your employer’s pension plan, find out:

  • how much money you’ll lose in pension contributions while on leave
  • how you can continue to make pension contributions while on leave
  • how you can make up for skipped pension contributions once you return to work

Employer-sponsored income top-ups

Some employers may offer you an income top-up when you’re on parental leave. This top-up pays a portion of your regular salary and supplements your EI or Quebec Parental Insurance Plan benefits.

If your employer offers a top-up, find out:

  • how much you’ll get
  • how long the top-up will last
  • if you’ll be required to return to work by a certain time and remain at your job for a minimum period of time

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