Right, and that is part of the weakness in the employment insurance system as it stands right now.
If you're making more money, like $60,000 a year, a replacement rate of $485 a week might be a severe cut to your standard of living and you may not be able to take employment insurance. If you're making that kind of money, it may be unaffordable as well, because that replacement rate is so low.
If you are already working part time—let's say you're taking care of kids at home, you're a mom, and you're working 20 hours a week—you may not have had sufficient hours to qualify. Your benefits may be quite low, because if you're only working 20 hours a week, your level of benefits will be lower.
That's why I did focus my testimony on the weaknesses in the EI system, because it's going to affect the people who are taking these special benefits.