Know Your Entitlements: Managing Your Maternity Money

Be aware of the money you are entitled to...

Know Your Entitlements: Managing Your Maternity Moneypregnancy/maternity leave:

Covered by provincial employment laws. In most of Canada workers have the right to up to 17 weeks of job-protected, unpaid time off during pregnancy. How many hours you need to have worked for the same employer in order to qualify varies by province and territory.

parental leave:

Covered by provincial employment laws. All new moms and dads qualify for job-protected, unpaid time off with their new child, whether biological or adopted. Allowed time varies, with a maximum of 37 consecutive weeks common, 35 weeks if you took pregnancy/maternity leave too. Qualification time varies. Moms and dads can take their parental leaves at the same time or consecutively.

maternity benefits:

Delivered by Human Resources and Social Development Canada under the Employment Insurance program. For birth moms; 55 percent of your average earnings (to a maximum of $457 a week) for up to 15 weeks, counting from up to eight weeks prior to the expected birth or from the week of the actual birth onward. Qualifying period is 52 weeks of employment prior to the filing of your claim.

parental benefits:

Delivered by Human Resources and Social Development Canada under the Employment Insurance program (except in Quebec, where the Quebec Parental Insurance Plan is covered by the province). For all biological and adoptive parents; 55 percent of your average earnings (to a maximum of $457 a week) for up to 35 weeks. (Only available during the first 52 weeks after your child is born or comes into your care.) Qualifying period is 52 weeks of employment prior to the filing of your claim. Parents can’t double-dip: Mom or Dad can collect the whole 35 weeks or they can divide the 35 weeks between them.

Canada child tax benefit:

Delivered by Canada Revenue Agency to qualifying families with children under age 18, with amount varying by region, income level, family size and marital status.

universal child care benefit:

Delivered by Canada Revenue Agency. Parents receive $100 a month for kids under age six. Your application for the Canada Child Tax Benefit includes UCCB.

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