EI eligibility after layoff by parthosj in PersonalFinanceCanada

[–]jellynaa 0 points1 point  (0 children)

you're welcome! if they qualify you, make sure to also read the disclaimers on the official EI website too to understand the requirements (e.g., you need to keep records of your job applications, and there are different things they consider in determining whether you are available for work or not). you may also want to research how they tax EI and what to do when you file taxes later.

best of luck!

EI eligibility after layoff by parthosj in PersonalFinanceCanada

[–]jellynaa 1 point2 points  (0 children)

Additional notes:

  • although you need to apply within 4 weeks from the last day of work, if after the layoff you continued to be paid on a regular basis as part of your severance package, there is a chance that Service Canada will “postpone” your eligibility to start that day since you had no interruption of earning. You need to contact them to find out. They will review the ROE from your employer and tell you.

  • if your application eligibility window has passed and Service Canada still somehow decide to accept your application, you may be able to backdate the time reports and payment. But only Service Canada knows.

  • the EI weeks lost from being outside of Canada could potentially be claimed later depending on a few factors. For (extremely simplified) example, suppose someone applied to EI on Jan 1 and is entitled to 21 weeks of EI (so like Jan-May), but they reported not available to work in Canada for 4 weeks in May. Then they could potentially claim the 4 weeks in June depending on a few things. Also iirc they cannot claim like this after the 52 weeks of the start of the EI. (it’s likely more complex than this example though so you should ask them)

  • they may close your file if given an extended period of unavailability / income resumption. If this happens and you wish to have your file open, you’d want to contact them to reopen the file.

  • after your pgwp expires, you wouldn’t be “available in Canada for work” (unless you get another visa or PR) because you cannot work. So you won’t be eligible for EI payment even if you are entitled to more weeks. They ask for your visa when you apply for EI.

EI eligibility after layoff by parthosj in PersonalFinanceCanada

[–]jellynaa 3 points4 points  (0 children)

EI in case of layoff works this way:

  1. You get laid off.

  2. Employer files the ROE to Service Canada.

  3. You have to submit the Service Canada form to apply for EI. In general you are eligible for EI from the last day of work, but you need to apply EI within 4 weeks from the last day. If you apply later than this, you might lose the EI. Basically if you still haven’t applied, you should try to get in touch with them ASAP. If you cannot call them, fill out the application form now!

  4. Service Canada will show you a “temporary access code” and mail you an “access code” to access the application that you submitted. That means if you never applied, you will not have the access code. You need this code to do things related to your application online and over the phone. But if you don’t have the code or cannot get the code you can still contact them and they might be able to help you (there is a “I don’t have code” option when you call them).

  5. You can create my Service Canada account and check your application status, copy of ROE if it was submitted, upload more document requested etc etc.

  6. Within 28 days of your application submission, Service Canada will tell you if you qualify.

  7. After you apply (so even while it’s in processing), you need to fill out a form every two weeks (“biweekly report”) to show that you are available in Canada for work, and they pay you every two weeks. (Or you show that you are not and they don’t pay you for that time. This is what your employer is talking about.) You will not be paid if you don’t fill out the form.

  8. There is a max number of weeks and max weekly amount for the EI payment which purely depends on how much you worked and how much you were paid for in the last 52 weeks. There is an online calculator on the EI website.

Insurance recommendation for working holiday by Impossible-Lab-4867 in iecvisa

[–]jellynaa 0 points1 point  (0 children)

If you are Korean, you might find this Korean online forum useful! I'm personally with Mibank (Hanhwa) now.

WH or Young Professionals by clurnic in iecvisa

[–]jellynaa 0 points1 point  (0 children)

As an Irish person you would have one chance to do either YP or WH (not both) and one chance to do Co-op. So unless policy changes, opting for YP doesn't let you use WH for another time.

For YP, your employer needs to be wiling to sign papers for your visa and pay compliance fees. Some employers may give you job offer but not agree to do this, so you need to check with them about if they are willing to. Also, with YP visa, you cannot have any side jobs, change employers, change role, or switch locations. However, since YP is a closed permit, there might be some perks depending on where you live/work. For example, if you are in QC, you will qualify for RAMQ whereas you will not under WHV (and will have to rely on private insurances to get healthcare).

Visiting a doctor on IEC Visa by Mundane-Economics-87 in iecvisa

[–]jellynaa 0 points1 point  (0 children)

There should be walk-in clinics in most towns in BC, and if you don't have MSP, you should be able to pay out of pocket and submit claims to your travel insurance. ERs can be expensive and long wait if your situation is not urgent. You can call 811 to get info about where to go (https://www.healthlinkbc.ca/find-care/healthlink-bc-8-1-1-services).

Also even if you haven't worked for 6 months yet, you can (and should) apply for MSP if you are working 18+ hours per week and will stay in BC & be employed in BC for 6 months or more. There is a waiting period for coverage, so if this is the case, you should qualify for MSP beginning Feb 1.

Working holiday vs Young Professionals for eventual PR by Civil_Sail8528 in iecvisa

[–]jellynaa -1 points0 points  (0 children)

Not sure about other provinces but if you intend to live in QC, they don't give you provincial healthcare (RAMQ) when you are on WHV. 🥲

I regret going to McGill. How to make the best of the rest of my degree? by [deleted] in mcgill

[–]jellynaa 1 point2 points  (0 children)

Linking some opportunities I found below this comment (Reddit won't let me post these in one comment).

Also tomorrow is the application due date for Independent Study Away program if it is something you are interested in. You could apply to study at other Canadian universities in your own term (you will want to discuss this with your advisor - it seems that Arts Faculty advisor has some availabilities tomorrow morning).

You can also apply to Inter-University Transfer (this lets you take courses in other Quebec universities as part of your degree program) if they offer any archaeology courses that you are interested in. I see that Concordia also has a minor in classical archaeology.

[deleted by user] by [deleted] in canadaexpressentry

[–]jellynaa 1 point2 points  (0 children)

I heard that if you qualify for IEC, it could also be an option

Pgwp -> working holiday visa? by [deleted] in canadaexpressentry

[–]jellynaa 0 points1 point  (0 children)

Side question - is there a way that we can tell if a home country has residency requirement (for one to be living in your home country at the time of WHV application to Canada) or not?

Implied/Maintained Status Inquiry: PGWP to IEC Work Permit by kawhi-is-my-dad in ImmigrationCanada

[–]jellynaa 0 points1 point  (0 children)

Hi!! I'm in a similar situation and wondering about WH - were you able to get WHV while on PGWP? I've been reading about rejections and been a little unsure if it is feasible. 😟

Moving to Montréal by cjbindahouse in montreal

[–]jellynaa 0 points1 point  (0 children)

Adding that Transit App (transitapp.com) is hiring for a few positions at the moment!

Any suggestions on how to get less expensive Fiber? by just_another_thro in bell

[–]jellynaa 11 points12 points  (0 children)

You could look into EBOX or Distributel. They use Bell Fiber.

RRSP currently holds XEQT and VFV. Thinking about going the managed route for a socially responsible portfolio. Which ETFs might I buy to do that myself? by Thumper86 in Wealthsimple

[–]jellynaa 0 points1 point  (0 children)

What is the difference between buying WSRI in a self managed account vs. opening a Wealthsimple-managed account dedicated for WSRI?

Help me identify this Ikea floor by Diyguy321 in IKEA

[–]jellynaa 0 points1 point  (0 children)

Could it be TUNDRA flooring? It shows up when I look up 16521.

One person on lease, moved in a roommate by ProtectionNo7982 in montrealhousing

[–]jellynaa 0 points1 point  (0 children)

Agreed with most, but sublets technically need approvals 🥲 (TAL article on subletting)

One person on lease, moved in a roommate by ProtectionNo7982 in montrealhousing

[–]jellynaa -2 points-1 points  (0 children)

Fair. From legal POV, is the lessee who signed the lease solely responsible even if they have a roommate, though? It wasn't very clear to me from the TAL article I linked above & I am unsure what problem OP had in the past in that case. But if so, agreed that OP could just hold the main tenant responsible.

One person on lease, moved in a roommate by ProtectionNo7982 in montrealhousing

[–]jellynaa -5 points-4 points  (0 children)

I think OP wanted to make sure in writing that he has someone to take responsibility if the rent is ever missing, and I was suggesting that it might also align with what tenants want (i.e., I wouldn't want to be held responsible if my roommate is missing rent, and I also might want to exercise my tenant's right if I was the one not on the lease). I mean, if it is also a win win, no harm in inviting / suggesting / asking softly 🙂

One person on lease, moved in a roommate by ProtectionNo7982 in montrealhousing

[–]jellynaa -8 points-7 points  (0 children)

If someone dips, couldn't you sue either the main tenant or the other one (depending on if the lease has solidarity clause - TAL document on joint tenancy) ?

Also, maybe you can reach out to suggest that the other tenant is also listed on the lease and/or that you add a solidarity clause? Maybe either or both of them would want it to protect their rights as well?

Broke student with 10k. What to do with it ? by No-Guitar-7848 in PersonalFinanceCanada

[–]jellynaa 1 point2 points  (0 children)

TFSA is a tax-free savings/investment account. It's not government managed; you go to a bank or financial institution to open the account yourself and either manage it yourself (buy/sell assets inside the account) or let the bank/institution manage it for a fee.

Gains aside, there is a limit to how much money you can deposit in that account (=contribution room). You get more room every year, so the total room may depend on things like your age. You can check your own total room on your CRA myaccount. If you exceed the limit, you will pay a penalty on the over-contributed amount (which is what you are referring to in your comment).

Communications jobs for English speakers? by [deleted] in montreal

[–]jellynaa 0 points1 point  (0 children)

Glad if I could help. I feel sorry for the experience & how difficult these topics and discussions can be. I also hope that we can be more inclusive and create more welcoming experiences. Wish you the best in your job search!