Increase in EI maximum insurable earnings affects STD plans

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The federal government recently announced the 2012 Employment Insurance (EI) premium rates and maximums.

New rates effective January 1, 2012

Maximum insurance earnings


Maximum weekly EI benefit 


This increase affects Short-Term Disability (STD) plans where:

  • the maximum STD benefit is based on the EI maximum weekly benefit ($485 for 2012), or
  • the EI maximum earnings amount is used to calculate the STD benefit.

System changes 

We updated our systems so that STD claim payments reflect the increase in EI maximum insurable earnings threshold, and premiums reflect the increase in the STD benefit amount payable.

  • If your plan doesn’t need a contract amendment, these updates are effective January 1, 2012.

Contract adjustments

If your plan’s maximum disability benefit is based on the EI maximum weekly benefit or earnings, no contract amendment is required. STD benefits will be automatically-adjusted for claims where the total disability started on or after January 1, 2012.


Please contact your Client Service Administrator at 1-877-786-7227.