Updated on
EI on a $$100,000 salary (2026): $729 a week, for how many weeks?
Estimated weekly EI benefit · Toronto
$729
per week · 38 weeks of benefits · Total over the claim: $27,702
| Regional unemployment rate | 6.8 % (6–7 %) |
| Hours required | 665 h |
| Best weeks used | 21 |
| Weeks of benefits | 38 |
| Waiting period | 1 week (unpaid) |
| First payable week | September 25, 2026 |
| Benefits end (estimate) | June 18, 2027 |
| Your EI premium | $21.60 / wk · $1,123 / yr |
Capped at the 2026 maximum of $729/week (max insurable earnings $68,900).
EI benefits are taxable; federal and provincial tax is withheld at source. Net amounts will be lower.
Regional rates valid: September 6, 2026 – October 10, 2026
Why the money does not start when the job ends
On $100,000 — $1,923 a week — EI replaces 37.9% of your earnings, and it does not start when you stop working. Severance, pay in lieu of notice and accumulated vacation pay are allocated by Service Canada to the weeks following the separation, at your normal weekly rate. A six-month package on this salary therefore postpones the first payment by roughly twenty-six weeks, on top of the one-week waiting period. The claim should still be filed immediately: the allocation is calculated from the record of employment whatever you do, and a late application can cost weeks of entitlement at the far end. At this salary the EI question is one of timing, not of amount.
Weeks and total EI on $100,000 in every economic region
1,820 insurable hours, regional rates in force. Weekly benefit at the $729 ceiling, before any allocation of severance.
| Province | Region | Rate | Weeks | Total EI |
|---|---|---|---|---|
| Alberta | Calgary | 6.5 % | 38 | $27,702 |
| Alberta | Edmonton | 7.0 % | 38 | $27,702 |
| Alberta | Northern Alberta | 8.8 % | 42 | $30,618 |
| Alberta | Southern Alberta | 7.4 % | 40 | $29,160 |
| British Columbia | Abbotsford | 7.3 % | 40 | $29,160 |
| British Columbia | Northern British Columbia | 9.0 % | 42 | $30,618 |
| British Columbia | Southern Coastal British Columbia | 6.6 % | 38 | $27,702 |
| British Columbia | Southern Interior British Columbia | 8.3 % | 42 | $30,618 |
| British Columbia | Vancouver | 6.4 % | 38 | $27,702 |
| British Columbia | Victoria | 5.7 % | 36 | $26,244 |
| Manitoba | Northern Manitoba | 28.7 % | 45 | $32,805 |
| Manitoba | Southern Manitoba | 5.5 % | 36 | $26,244 |
| Manitoba | Winnipeg | 5.3 % | 36 | $26,244 |
| New Brunswick | Fredericton-Moncton-Saint John | 6.6 % | 38 | $27,702 |
| New Brunswick | Madawaska-Charlotte | 5.4 % | 36 | $26,244 |
| New Brunswick | Restigouche-Albert | 10.4 % | 45 | $32,805 |
| Newfoundland and Labrador | Newfoundland/LabradorFootnote 5 | 11.5 % | 45 | $32,805 |
| Newfoundland and Labrador | St. John's | 6.6 % | 38 | $27,702 |
| Northwest Territories | Northwest TerritoriesFootnote 7 | 10.8 % | 45 | $32,805 |
| Northwest Territories | Yellowknife | 4.9 % | 36 | $26,244 |
| Nova Scotia | Eastern Nova Scotia | 8.6 % | 42 | $30,618 |
| Nova Scotia | Halifax | 5.6 % | 36 | $26,244 |
| Nova Scotia | Western Nova Scotia | 6.5 % | 38 | $27,702 |
| Nunavut | Iqaluit | 7.1 % | 40 | $29,160 |
| Nunavut | NunavutFootnote 8 | 14.6 % | 45 | $32,805 |
| Ontario | Central Ontario | 5.5 % | 36 | $26,244 |
| Ontario | Eastern Ontario | 6.4 % | 38 | $27,702 |
| Ontario | Hamilton | 6.5 % | 38 | $27,702 |
| Ontario | Huron | 8.7 % | 42 | $30,618 |
| Ontario | Kingston | 5.5 % | 36 | $26,244 |
| Ontario | Kitchener | 7.9 % | 40 | $29,160 |
| Ontario | London | 8.7 % | 42 | $30,618 |
| Ontario | Niagara | 7.1 % | 40 | $29,160 |
| Ontario | Northern Ontario | 7.2 % | 40 | $29,160 |
| Ontario | Oshawa | 8.8 % | 42 | $30,618 |
| Ontario | Ottawa | 7.4 % | 40 | $29,160 |
| Ontario | South Central Ontario | 5.7 % | 36 | $26,244 |
| Ontario | St. Catharines | 6.2 % | 38 | $27,702 |
| Ontario | Sudbury | 6.0 % | 36 | $26,244 |
| Ontario | Thunder Bay | 5.3 % | 36 | $26,244 |
| Ontario | Toronto | 6.8 % | 38 | $27,702 |
| Ontario | Windsor | 7.6 % | 40 | $29,160 |
| Prince Edward Island | Charlottetown | 5.6 % | 36 | $26,244 |
| Prince Edward Island | Prince Edward IslandFootnote 9 | 10.0 % | 44 | $32,076 |
| Quebec | Central Quebec | 3.5 % | 36 | $26,244 |
| Quebec | Chicoutimi-Jonquière | 3.6 % | 36 | $26,244 |
| Quebec | Gaspésie-Îles-de-la-Madeleine | 10.3 % | 45 | $32,805 |
| Quebec | Hull | 6.4 % | 38 | $27,702 |
| Quebec | Lower Saint Lawrence and North Shore | 5.4 % | 36 | $26,244 |
| Quebec | Montérégie | 4.3 % | 36 | $26,244 |
| Quebec | Montreal | 6.6 % | 38 | $27,702 |
| Quebec | North Western Quebec | 4.4 % | 36 | $26,244 |
| Quebec | Quebec | 4.4 % | 36 | $26,244 |
| Quebec | Sherbrooke | 4.0 % | 36 | $26,244 |
| Quebec | South Central Quebec | 2.6 % | 36 | $26,244 |
| Quebec | Trois-Rivières | 5.8 % | 36 | $26,244 |
| Saskatchewan | Northern Saskatchewan | 14.5 % | 45 | $32,805 |
| Saskatchewan | Regina | 6.2 % | 38 | $27,702 |
| Saskatchewan | Saskatoon | 6.6 % | 38 | $27,702 |
| Saskatchewan | Southern Saskatchewan | 7.0 % | 38 | $27,702 |
| Yukon | Whitehorse | 4.8 % | 36 | $26,244 |
| Yukon | YukonFootnote 6 | 7.0 % | 38 | $27,702 |
The benefit period — the window in which these weeks can be drawn — is normally 52 weeks from the start of the claim. A long severance allocation eats into it, and weeks that fall outside the window are lost rather than deferred. On a package of six months or more, check whether the entitlement in the last column can actually be taken before the window closes.
Frequently asked questions
How much EI do I get on a $100,000 salary?
On a salary of $100,000 the benefit works out at $729 a week, which is 55% of your average weekly earnings of $1,923, capped by the 2026 maximum of $729. Over a full claim that comes to between $26,244 and $32,805, the difference coming entirely from your economic region, which sets the number of weeks payable.
Should I file before my severance runs out?
Yes, file as soon as the employment ends. Service Canada establishes the claim, applies the allocation and starts paying when it expires. Waiting to file does not postpone the allocation; it only risks losing weeks, since a claim cannot generally be backdated without cause.
Does a lump sum count differently from salary continuance?
Both are allocated to the weeks after the separation at your normal weekly earnings, so the effect on the start date is broadly the same. What differs is the tax treatment and the possibility of transferring part of a retiring allowance to an RRSP, which at $100,000 is usually the more consequential decision.
Related calculators & guides
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Sources
Written by Mottalib Radif
INSEAD MBA · Mines Saint-Étienne engineer · Personal finance and benefits
Updated on · Editorial policy · Contact
Rates 2026, last updated 2026-09-16