Secure Your Safety Net: Navigating Employment Insurance Benefits in 2023

Navigating Employment Insurance Benefits in 2023: A Guide for Canadian Job Seekers

In the ever-shifting landscape of Canada’s labor market, the Employment Insurance (EI) Benefit 2023 stands as a beacon of support for individuals facing job loss or reduced work hours. This government-funded program provides temporary financial assistance to eligible Canadians who are actively seeking new employment.

The relevance of EI benefits cannot be overstated. In 2022 alone, over 1.7 million Canadians received EI benefits, a testament to the program’s critical role in mitigating the economic impact of job loss. Beyond financial support, EI benefits also offer access to valuable resources such as skills development programs and job search assistance.

A key historical development that shaped EI benefits was the introduction of the EI Parental Sharing Benefit in 2019. This benefit allows eligible parents to share EI benefits while caring for a newborn or newly adopted child. This progressive change reflects the government’s recognition of the importance of parental involvement and its commitment to supporting families.

As we delve deeper into the intricacies of EI benefits in 2023, we will explore eligibility criteria, benefit rates, application procedures, and recent policy changes that impact Canadian workers. Stay tuned for a comprehensive guide that equips you with the knowledge to navigate the EI system and access the support you need during times of transition.

Employment Insurance Benefit 2023

In the face of job loss or reduced work hours, the Employment Insurance (EI) Benefit 2023 offers a lifeline of support to Canadian workers. Understanding its key aspects is crucial for navigating the program and accessing its benefits effectively.

  • Temporary Financial Assistance: A safety net during job transitions.
  • Eligibility Requirements: Tied to employment history and insurable hours.
  • Benefit Rates: Based on previous earnings, capped at a maximum amount.
  • Duration of Benefits: Varies depending on regional unemployment rates.
  • Waiting Period: A one-week delay before benefits commence.
  • Job Search and Training Support: Resources to facilitate re-employment.
  • Parental Sharing Benefit: Shared EI benefits for parental leave.
  • Sickness and Compassionate Care Benefits: Support during illness or family emergencies.
  • Challenges: Potential delays, complex application processes, and eligibility restrictions.

These key points provide a comprehensive overview of the EI Benefit 2023. To delve deeper, consider the following examples: A worker laid off due to a plant closure may rely on EI benefits to tide them over until they secure new employment. A parent welcoming a newborn can utilize the Parental Sharing Benefit to balance work and family responsibilities. Additionally, EI benefits serve as a vital economic stabilizer, injecting billions of dollars into the Canadian economy during times of economic downturn.

Understanding these aspects is essential for individuals seeking EI benefits and for policymakers aiming to enhance the program’s effectiveness. As the main article explores in detail, the EI Benefit 2023 remains a cornerstone of Canada’s social safety net, providing crucial support to workers navigating the challenges of job loss and economic uncertainty.

Temporary Financial Assistance

In the realm of “employment insurance benefit 2023”, “Temporary Financial Assistance” stands as a cornerstone, providing a vital safety net for individuals navigating job transitions. This assistance serves as a crucial lifeline, mitigating the economic impact of job loss and fostering a sense of security during uncertain times.

The cause-and-effect relationship between “Temporary Financial Assistance” and “employment insurance benefit 2023” is undeniable. The financial support offered through “Temporary Financial Assistance” directly impacts the effectiveness of “employment insurance benefit 2023” in achieving its core objectives. The assistance enables individuals to meet their basic needs while actively seeking new employment or upskilling for better opportunities.

Moreover, “Temporary Financial Assistance” forms an integral component of “employment insurance benefit 2023”. It plays a pivotal role in maintaining financial stability, preventing individuals from falling into poverty or debt during job transitions. This assistance also promotes economic stability by supporting consumer spending and stimulating local economies.

Real-life instances abound, showcasing the tangible impact of “Temporary Financial Assistance” within “employment insurance benefit 2023”. For instance, consider a single parent laid off due to a factory closure. “Temporary Financial Assistance” provides them with a steady income stream, allowing them to continue providing for their family while they search for a new job. In another example, a tech professional facing redundancy utilizes “Temporary Financial Assistance” to pursue further education, enhancing their skills and employability prospects.

Understanding the practical significance of “Temporary Financial Assistance” in “employment insurance benefit 2023” applications is paramount. It empowers individuals to make informed decisions about their job search strategies, training options, and financial planning. This understanding also enables policymakers to tailor the program effectively, ensuring it meets the evolving needs of the labor market.

In conclusion, “Temporary Financial Assistance” serves as a cornerstone of “employment insurance benefit 2023”, providing a vital safety net during job transitions. Its positive impact on individuals and the economy is undeniable. However, challenges remain, such as potential delays in benefit processing and the need to strike a balance between supporting individuals and ensuring program sustainability. As we explore further in the main article, understanding the intricate relationship between “Temporary Financial Assistance” and “employment insurance benefit 2023” is essential for maximizing its benefits and addressing these challenges.

Eligibility Requirements

Within the framework of “employment insurance benefit 2023,” “Eligibility Requirements: Tied to employment history and insurable hours” stands as a fundamental pillar, dictating who can access this crucial safety net during job transitions.

  • Recent Employment History:

    To qualify, individuals must have worked a minimum number of hours in insurable employment within a specified period, typically the preceding 52 weeks.

  • Hours Worked:

    The number of insurable hours required varies depending on the regional unemployment rate. In areas with higher unemployment, the threshold is lower, ensuring broader access to benefits.

  • Insurable Earnings:

    Only earnings from employment covered under the EI program are considered insurable. This includes wages, salaries, commissions, and self-employment income.

  • Separation from Employment:

    Individuals must have lost their job or experienced a significant reduction in work hours due to factors beyond their control, such as layoffs, plant closures, or illness.

These eligibility requirements are meticulously designed to ensure that those who genuinely need financial assistance during job transitions can access EI benefits. The focus on recent employment history and insurable hours helps target individuals who have actively contributed to the workforce and experienced an involuntary job loss. By linking eligibility to regional unemployment rates, the program allocates resources effectively, prioritizing areas with higher joblessness.

Understanding these eligibility requirements is crucial for individuals seeking EI benefits. It allows them to assess their eligibility status, gather necessary documentation, and apply for benefits promptly. Furthermore, these requirements underscore the importance of maintaining a strong employment history and contributing to the EI program through insurable earnings. As we delve deeper into the main article, we will explore additional aspects of “employment insurance benefit 2023,” including benefit rates, duration of benefits, and recent policy changes.

Benefit Rates

At the heart of “employment insurance benefit 2023,” “Benefit Rates: Based on previous earnings, capped at a maximum amount” stands as a critical component, determining the financial assistance provided to eligible individuals during job transitions.

  • Earnings-Based Formula:

    Benefit rates are calculated as a percentage of an individual’s average insurable earnings over a specified period, typically the preceding 12 months.

This formula ensures that benefits are proportionate to previous earnings, providing a safety net that reflects prior contributions to the EI program.

Maximum Benefit Rate:

Benefit rates are subject to a maximum amount, which is adjusted annually based on changes in the Consumer Price Index (CPI). This cap ensures that benefits remain fair and sustainable, while also considering the broader economic context.

The maximum benefit rate for 2023 is $638 per week, providing a benchmark for benefit calculations.

Regional Variations:

Benefit rates may vary across regions to account for differences in the cost of living. This regional adjustment ensures that benefits are adequate to meet basic needs in different parts of the country.

For instance, benefit rates in major urban centers tend to be higher compared to rural areas.

Duration of Benefits:

The duration of EI benefits is linked to regional unemployment rates. In areas with higher unemployment, individuals may be eligible for a longer benefit period, providing additional support during challenging economic times.

Typically, the maximum duration of regular EI benefits ranges from 14 to 45 weeks.

These facets of “Benefit Rates: Based on previous earnings, capped at a maximum amount” collectively contribute to a fair and responsive EI program. The earnings-based formula ensures that benefits are tied to previous contributions, while the maximum benefit rate and regional adjustments provide a balanced approach to supporting individuals across the country. Furthermore, the link between benefit duration and regional unemployment rates ensures that assistance is extended during periods of economic hardship.

Duration of Benefits

In the realm of “employment insurance benefit 2023,” the duration of benefits is not a fixed quantity but rather a variable that adapts to the economic landscape. This dynamic relationship between benefit duration and regional unemployment rates plays a crucial role in shaping the effectiveness and impact of the program.

Cause and Effect: The duration of EI benefits is directly influenced by regional unemployment rates. During economic downturns, when unemployment rates rise, the duration of benefits is extended to provide a longer safety net for job seekers. Conversely, in periods of economic prosperity, when unemployment rates are low, the duration of benefits may be reduced to ensure the program’s sustainability.

Components: The variable duration of benefits is an integral component of “employment insurance benefit 2023,” enabling the program to respond to changing economic conditions and provide targeted support to regions experiencing higher unemployment. This flexibility ensures that individuals facing job loss have access to financial assistance for a period that is commensurate with the challenges they face in finding new employment.

Examples: The impact of varying benefit durations can be seen in real-life instances. Consider a region hit by a sudden economic downturn due to the closure of a major industry. The extension of EI benefits in this region provides a lifeline for affected workers, allowing them to sustain themselves and their families while they search for new opportunities. Conversely, in a region with a thriving economy and low unemployment, a shorter benefit duration encourages individuals to actively seek employment, knowing that the safety net is available for a limited time.

Applications: Understanding the relationship between benefit duration and regional unemployment rates is crucial for individuals seeking EI benefits and policymakers alike. Job seekers can plan their job search strategies and financial management accordingly, while policymakers can make informed decisions about benefit levels and durations to ensure the program’s effectiveness and sustainability.

Summary: The variable duration of EI benefits, tied to regional unemployment rates, is a key feature of the program that allows it to adapt to economic fluctuations and provide targeted support to job seekers. This flexibility ensures that individuals have access to financial assistance during periods of job loss, promoting economic stability and supporting the transition to new employment. While potential challenges such as potential delays in benefit processing and the need to balance individual needs with program sustainability exist, the duration of benefits remains a vital component of “employment insurance benefit 2023,” contributing to its overall effectiveness and responsiveness to the labor market.

Waiting Period

The “Waiting Period: A one-week delay before benefits commence” is an integral aspect of the “employment insurance benefit 2023” program, impacting its effectiveness and utilization. This delay serves as a bridge between job loss and the commencement of financial assistance, shaping the program’s dynamics in several ways.

Cause and Effect: The waiting period acts as a buffer, providing time for individuals to explore immediate options and resources before relying on EI benefits. This encourages proactive job searching and utilization of personal savings or other forms of support during the initial transition period. The delay also helps prevent fraudulent claims and ensures that benefits are disbursed to those who genuinely need them.

Components: The waiting period is an essential component of the EI program, serving as a gatekeeper to ensure that benefits are not accessed prematurely. It complements other program features, such as eligibility criteria and benefit rates, in maintaining the program’s integrity and sustainability.

Examples: The waiting period’s impact can be seen in real-life scenarios. Consider an individual laid off due to a company closure. The one-week delay prompts them to tap into their savings, seek support from family or friends, and intensify their job search efforts. This proactive approach increases their chances of securing new employment quickly, reducing their reliance on EI benefits.

Applications: Understanding the waiting period is crucial for individuals applying for EI benefits. It allows them to plan their finances and make informed decisions during the transition period. Job seekers can utilize the waiting period to gather necessary documents, attend job interviews, and explore training opportunities, maximizing their chances of securing employment.

Summary: The waiting period in EI benefits serves multiple purposes, including discouraging frivolous claims, promoting self-reliance, and ensuring the program’s long-term viability. While it may pose a temporary challenge for some individuals, the waiting period contributes to the program’s overall effectiveness and fairness. Balancing the need for immediate financial assistance with the program’s sustainability remains an ongoing consideration in the evolution of EI benefits.

Job Search and Training Support

Within the realm of “employment insurance benefit 2023,” “Job Search and Training Support: Resources to Facilitate Re-employment” stands as a beacon of opportunity, guiding individuals toward new career paths and empowering them to re-enter the workforce with renewed skills and confidence.

Cause and Effect: The provision of job search and training support has a direct and positive impact on the effectiveness of “employment insurance benefit 2023.” By equipping individuals with the necessary tools and resources, these services accelerate the transition back to employment, reducing the duration of benefit dependency and promoting long-term economic stability. Conversely, the absence of such support can prolong joblessness, potentially leading to financial hardship and diminished self-reliance.

Components: Job search and training support form an integral component of “employment insurance benefit 2023,” complementing other program features such as temporary financial assistance and eligibility criteria. These services enhance the program’s overall effectiveness by addressing the root causes of unemployment and fostering sustainable re-employment outcomes.

Examples: The transformative impact of job search and training support can be witnessed in countless real-life instances. Consider an individual facing redundancy due to technological advancements. Through EI-funded training programs, they acquire new skills in a high-demand field, increasing their employability and securing a new job in a growing industry. In another example, an EI recipient utilizes job placement assistance to connect with potential employers, resulting in a successful job interview and subsequent hiring.

Applications: Understanding the availability and significance of job search and training support is crucial for individuals seeking EI benefits. By actively engaging with these services, job seekers can maximize their chances of securing new employment quickly, minimizing the duration of benefit reliance and expediting their return to financial independence. These services also empower individuals to pursue career paths that align with their skills and aspirations, fostering long-term job satisfaction and productivity.

In conclusion, “Job Search and Training Support: Resources to Facilitate Re-employment” plays a pivotal role in the success of “employment insurance benefit 2023.” These services empower individuals to overcome employment barriers, navigate the job market effectively, and secure sustainable employment opportunities. While challenges such as limited resources and potential delays in accessing services may exist, the benefits of job search and training support far outweigh these obstacles. By investing in these programs, “employment insurance benefit 2023” not only provides temporary financial assistance but also equips individuals with the tools to achieve long-term economic stability and career fulfillment.

Parental Sharing Benefit

Within the landscape of “employment insurance benefit 2023,” the “Parental Sharing Benefit: Shared EI benefits for parental leave” emerges as a beacon of support for working families, fostering a more equitable distribution of parental responsibilities and promoting a healthy work-life balance.

Cause and Effect:

The introduction of the Parental Sharing Benefit has had a transformative impact on the “employment insurance benefit 2023” program. It has led to a surge in fathers taking parental leave, promoting a more active and engaged role in childrearing. This, in turn, has positive implications for gender equality, family dynamics, and the overall well-being of children.

Components:

The Parental Sharing Benefit is an integral component of “employment insurance benefit 2023,” providing eligible parents with the flexibility to share EI benefits while caring for a newborn or newly adopted child. This benefit recognizes the importance of both parents being actively involved in the early stages of a child’s life, fostering stronger family bonds and promoting a more balanced distribution of household responsibilities.

Examples:

The real-life impact of the Parental Sharing Benefit is evident in the growing number of families embracing shared parental leave. For instance, a recent study revealed that in 2022, over 80,000 fathers took parental leave under the Parental Sharing Benefit, a significant increase compared to previous years. This surge reflects the growing awareness and acceptance of shared parenting, contributing to a more progressive and family-centric society.

Applications:

Understanding the Parental Sharing Benefit is crucial for working families seeking to maximize their EI benefits and navigate the complexities of parental leave. By utilizing this benefit, eligible parents can optimize their financial resources, ensure a smooth transition to parenthood, and create a supportive environment for their child’s development. Moreover, employers play a significant role in promoting the Parental Sharing Benefit by providing supportive policies and encouraging employees to take advantage of this valuable program.

In conclusion, the “Parental Sharing Benefit: Shared EI benefits for parental leave” stands as a cornerstone of “employment insurance benefit 2023,” empowering families to navigate the transition to parenthood with financial security and flexibility. Its transformative impact on parental leave uptake and the promotion of gender equality underscore its importance in shaping a more progressive and supportive society. While challenges such as potential delays in benefit processing may exist, the Parental Sharing Benefit remains a vital resource for working families, enabling them to balance career aspirations with their roles as parents.

Sickness and Compassionate Care Benefits

Within the landscape of “employment insurance benefit 2023,” the “Sickness and Compassionate Care Benefits: Support during illness or family emergencies” stands as a beacon of support for working individuals facing unforeseen health challenges or the need to care for loved ones. This crucial component of the program provides temporary financial assistance and job protection, ensuring individuals can navigate these difficult circumstances with dignity and financial security.

Cause and Effect:

The provision of Sickness and Compassionate Care Benefits has a direct and positive impact on the effectiveness of “employment insurance benefit 2023.” By offering income replacement during periods of illness or family emergencies, these benefits mitigate the financial burden on individuals, preventing them from falling into poverty or debt. Moreover, the job protection aspect ensures that individuals can return to their jobs without fear of losing their employment, fostering a sense of security and stability during challenging times.

Components:

Sickness and Compassionate Care Benefits form an integral component of “employment insurance benefit 2023,” complementing other program features such as temporary financial assistance and eligibility criteria. These benefits recognize the unpredictable nature of illness and family emergencies, providing a safety net that allows individuals to focus on their health or caregiving responsibilities without the added stress of financial insecurity.

Examples:

The transformative impact of Sickness and Compassionate Care Benefits can be witnessed in countless real-life instances. Consider a single parent diagnosed with a serious illness. The benefits provide them with the financial means to cover medical expenses and maintain their household, allowing them to focus on their treatment and recovery. In another example, an employee needs to take time off to care for an aging parent with Alzheimer’s disease. The benefits ensure that they can be present for their loved one without jeopardizing their job or financial stability.

Applications:

Understanding the availability and significance of Sickness and Compassionate Care Benefits is crucial for individuals seeking EI benefits. By actively engaging with these benefits, individuals can access financial support and job protection during times of need. These benefits also empower individuals to make informed decisions about their health and family caregiving responsibilities, fostering a work-life balance that contributes to overall well-being.

In conclusion, “Sickness and Compassionate Care Benefits: Support during illness or family emergencies” play a vital role in the success of “employment insurance benefit 2023.” These benefits provide a safety net for individuals facing health challenges or caregiving responsibilities, allowing them to navigate these difficult circumstances with dignity and financial security. While challenges such as potential delays in benefit processing may exist, the benefits far outweigh these obstacles. By investing in these programs, “employment insurance benefit 2023” not only provides temporary financial assistance but also promotes a supportive and inclusive work environment that values the well-being of its workforce.

Challenges

The “employment insurance benefit 2023” program, while providing a vital safety net for individuals facing job loss, is not without its challenges. Potential delays in benefit processing, complex application procedures, and stringent eligibility restrictions can hinder the effectiveness and accessibility of these benefits.

Cause and Effect:

The intricate interplay between these challenges and the “employment insurance benefit 2023” program is undeniable. Delays in benefit processing can lead to financial strain and hardship for individuals who rely on these benefits to meet their basic needs. Complex application processes can discourage eligible individuals from applying, resulting in underutilization of available benefits. Stringent eligibility restrictions may exclude deserving individuals from accessing support, exacerbating economic disparities.

Components:

These challenges are inherent components of the “employment insurance benefit 2023” program, reflecting the delicate balance between providing comprehensive support and ensuring program integrity. Delays may arise due to administrative inefficiencies, high volumes of applications, or individual circumstances requiring additional verification. Complex application processes aim to ensure that benefits are distributed fairly and appropriately, but they can be daunting for individuals unfamiliar with the system.

Examples:

Real-life instances abound, illustrating the impact of these challenges. Consider a single mother facing an unexpected job loss. Delays in processing her EI application leave her struggling to cover rent and provide for her children. In another scenario, an individual is denied benefits due to narrowly defined eligibility criteria, despite having contributed to the EI program for several years. These examples highlight the urgent need to address these challenges and ensure that the “employment insurance benefit 2023” program truly serves those who need it most.

Applications:

Understanding these challenges is crucial for individuals seeking EI benefits. It empowers them to navigate the application process effectively, gather necessary documentation, and follow up with relevant authorities to minimize delays. Knowledge of eligibility criteria ensures that individuals can assess their entitlement accurately and avoid disappointment. Recognizing the challenges also prompts policymakers to explore innovative solutions, streamline application procedures, and enhance communication with applicants.

In conclusion, the “employment insurance benefit 2023” program faces significant challenges, including potential delays, complex application processes, and eligibility restrictions. These challenges can impede access to benefits, causing financial hardship and perpetuating economic disparities. However, by acknowledging these challenges and working towards solutions, the program can be strengthened to provide timely, efficient, and equitable support to individuals facing job loss.

Frequently Asked Questions

This section addresses common inquiries and misconceptions surrounding the “employment insurance benefit 2023” program, providing concise and informative answers.

Question 1:
What are the eligibility criteria for receiving EI benefits in 2023?

To qualify, you must have worked a minimum number of insurable hours in the preceding 52 weeks, lost your job through no fault of your own, and be actively seeking new employment or improving your skills.

Question 2:
How much are EI benefits, and how long can I receive them?

Benefit amounts are based on your previous earnings, up to a maximum weekly benefit rate. The duration of benefits varies depending on regional unemployment rates, ranging from 14 to 45 weeks.

Question 3:
What is the waiting period before I can start receiving EI benefits?

There is a one-week waiting period before benefits commence. This period is intended to encourage proactive job searching and utilization of personal resources.

Question 4:
Can I receive EI benefits if I quit my job voluntarily?

Generally, you are not eligible for EI benefits if you quit your job voluntarily, unless you had a just cause, such as workplace harassment or unsafe working conditions.

Question 5:
What is the Parental Sharing Benefit, and how does it work?

The Parental Sharing Benefit allows eligible parents to share EI benefits while caring for a newborn or newly adopted child. It provides flexibility and support for families during this significant life event.

Question 6:
What should I do if I disagree with an EI benefit decision?

If you believe an EI decision is incorrect, you have the right to file an appeal. The appeal process involves submitting a formal request for reconsideration and potentially attending a hearing.

These FAQs provide essential information about the “employment insurance benefit 2023” program, empowering individuals to navigate the application process, understand their rights and responsibilities, and access the support they need during periods of job loss or transition.

Moving forward, the next section will delve deeper into the complexities of calculating EI benefits, considering factors such as insurable earnings, contribution history, and regional variations.

Employment Insurance Tips for a Smooth Application Process

Navigating the EI application process can be daunting, but following these tips can help ensure a smoother and more successful experience:

Tip 1: Check Eligibility Early:

Determine your eligibility well before you need to apply. Review the EI criteria, including insurable hours and qualifying reasons for job loss.

Tip 2: Gather Documentation:

Collect all necessary documents, such as your Social Insurance Number, Record of Employment, and proof of income. Having these documents ready will expedite the application process.

Tip 3: Apply Online:

Whenever possible, apply for EI benefits online through Service Canada’s website. This method is often faster and more convenient than applying by mail or in person.

Tip 4: Be Prepared for the Waiting Period:

Be aware of the one-week waiting period before EI benefits commence. Plan accordingly to cover your expenses during this period.

Tip 5: Attend EI Information Sessions:

Consider attending EI information sessions offered by Service Canada. These sessions provide valuable insights into the application process and can answer any questions you may have.

Tip 6: Keep Detailed Records:

Maintain accurate records of your job search activities, including dates, companies contacted, and job interviews attended. These records may be requested to demonstrate your active job search efforts.

Tip 7: Be Patient and Persistent:

The EI application process can take time. Be patient and persistent in following up on your application and providing any additional information requested.

Tip 8: Seek Professional Help if Needed:

If you encounter difficulties or have complex circumstances, consider seeking professional assistance from an employment counselor or advocate. They can provide guidance and support throughout the process.

By following these tips, you can increase your chances of a successful EI application and access the financial support you need during periods of job transition.

Moving forward, the final section of this article will delve into the intricacies of calculating EI benefits, considering factors such as insurable earnings, contribution history, and regional variations. Understanding these elements is crucial for maximizing your EI entitlement and navigating the program effectively.

Conclusion

The exploration of “employment insurance benefit 2023” reveals a comprehensive program that provides a safety net for Canadian workers facing job loss or reduced work hours. Its key components, including temporary financial assistance, eligibility criteria, benefit rates, and duration of benefits, are meticulously designed to support individuals during economic transitions.

Several main points emerge from this analysis. First, the program’s effectiveness hinges on its ability to balance accessibility and sustainability. Eligibility requirements ensure that benefits are directed to those who genuinely need them, while benefit rates and durations adapt to changing economic conditions. Second, the program recognizes the diverse needs of job seekers, offering specialized support such as job search assistance, training opportunities, and parental sharing benefits. Finally, the program’s success relies on efficient administration, minimizing delays and ensuring timely delivery of benefits to eligible individuals.

As we navigate the evolving landscape of the labor market, the significance of “employment insurance benefit 2023” cannot be overstated. It serves as a vital pillar of Canada’s social safety net, providing a lifeline to those experiencing job loss and promoting economic stability during challenging times. The program’s continued relevance demands ongoing evaluation and refinement to ensure it remains responsive to the needs of Canadian workers.


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