Abstract Beyond the maximum insurable income, the size of the shortfall increases with the worker's income, leaving unemployed workers with little or no room to maintain a decent life while meeting all their other obligations. This situation is even more perilous in an indebted society where the debt per income ratio hovers at around 175%. In this perspective, this paper aims to analyse the behaviour of Canadian insolvent employment insurance recipients during the 2008-2009 economic crisis, by comparing their choice before, during and after the crisis. This paper contributes to the literature by identifying the key socioeconomic and demographic indicators that dictate the insolvency choice (bankruptcy or consumer proposal) of this group of debtors. Using Canadian data provided by the Office of the Superintendent of Bankruptcy (OSB), we show that low employment insurance leads debtors to eat up their asset and incur more debt, which ultimately make bankruptcy more appealing to them than proposal.

中文翻译：

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就业保险接受者如何做出破产决定？

摘要 超出最高可保收入，缺口的规模随着工人收入的增加而增加，使失业工人在履行所有其他义务的同时几乎没有或没有空间维持体面的生活。在负债率徘徊在 175% 左右的负债社会中，这种情况更加危险。从这个角度出发，本文旨在通过比较危机前、危机中和危机后的选择，分析加拿大破产就业保险受益人在 2008-2009 年经济危机期间的行为。本文通过确定决定这组债务人破产选择（破产或消费者提议）的关键社会经济和人口指标为文献做出贡献。使用破产监督办公室 (OSB) 提供的加拿大数据，