Nobody ever plans to lose a job, especially when they lose employment through no fault of their own.
When someone faces unemployment, it can take a heavy financial and emotional toll on a family.
Not only do they lose their wages, which can be a family’s primary source of income, but they also lose any additional benefits offered through the job.
Health insurance and other perks can be costly to lose. Fortunately, federal and state governments offer unemployment insurance to serve as a safety net that protects citizens for a limited period of unemployment.
Unemployment insurance is a benefit that can help to financially support families in difficult times of unemployment.
How to Receive Unemployment Insurance Benefits
Unemployment insurance is provided by the United States Department of Labor. The Department of Labor offers unemployment benefits to workers who have lost their employment through no fault of their own.
In order to participate, unemployed applicants must also meet other eligibility requirements.
These requirements will vary slightly from state to state. The Department of Labor sets minimum requirements, but state agencies are in charge of setting up how they run their unemployment insurance programs.
These programs are intended to provide temporary financial support to unemployed workers while they look for new employment.
The Laws about Unemployment Benefits
The eligibility to receive unemployment insurance and the amount of time an applicant can receive benefits is determined based on individual laws set up by state agencies.
After an applicant applies for unemployment insurance, their eligibility will be determined based on state laws.
Generally, the amount of funding an applicant receives in their benefits is influenced by the taxes that their employer imposed on them.
Typically, this tax will cover the weekly unemployment benefits a worker can receive after filing a claim.
Eligible beneficiaries will receive a portion of the salary they earned at their prior job as unemployment benefits while they look for new employment.
Learn About Unemployment Insurance Requirements
In order to receive any benefits from unemployment insurance, you are required to meet certain state-established requirements.
Mainly, applicants will need to meet the state’s minimum requirements for wages earned and time worked during a fixed period.
This fixed period of time can be referred to as an applicant’s “base period”. In general, the base period is typically during the first four of five calendar quarters before an unemployment insurance claim is filed.
During the application process, the unemployment agency will also determine if the applicant was terminated through any fault of their own.
The rules regarding fault will be established by each state.
As soon as you lose your employment, you are recommended to contact your local state unemployment insurance agency. In some states, you can do so by calling via the phone or you can report it online.
You will be required to provide certain information when you apply for unemployment benefits.
The unemployment agency will ask you to provide certain information about your prior employer when you apply. It is vital that you provide accurate information on your application forms.
Any incorrect information can delay your application process and cause further issues down the line.
If you are filing for unemployment benefits, you will usually be required to file your claim in the state where you last worked.
In circumstances where you have moved to another state after losing employment, you can still receive benefit but the process is slightly different.
The state unemployment agency where you currently live can assist you with coordinating and filing a claim within multiple states.
Generally, it takes about two or three weeks to file a claim for the first benefit check. Additionally, certain states will have waiting periods that can extend the amount of time it takes to receive unemployment benefits.
Learn About the Benefits of Unemployment Insurance
Beneficiaries of unemployment insurance will receive funds based on an individual’s earning during the last 52-week period where they worked. This amount will go up until it reaches a state’s minimum amount.
Most states have a maximum of 26 weeks for unemployment benefits.
However, during periods of high unemployment, benefits may be extended for a longer period of time. Some states also offer additional benefits like job training and preparation.
Benefits from unemployment insurance all come from federal income taxes and must be reported on annual federal tax returns.
How to File Unemployment Claims Weekly
The only way to continue to receive unemployment benefits is to file weekly or biweekly claims. After receiving benefits for the week or two weeks, you will be asked a series of questions that will be use to verify your eligibility for the benefits.
Beneficiaries are required to report their weekly earning as a part of the unemployment program.
Furthermore, you will be required to note and report all of your job offers and any refusals of work during the weekly periods.
You can file these weekly or biweekly claims over the phone or by mail. If you need further instructions on how to file for unemployment claims, contact your local unemployment agency for more information.
About Unemployment Insurance Qualifications
After filing for unemployment insurance benefits, you will be required to register for work with your state’s local employment services.
These services are created to help unemployment beneficiaries in their job search. These benefits are excellent for individuals who are searching for jobs.
Using these employment services, you can view a large list of opening in the labor market. There are also various other re-employment services available depending on the state.
Beneficiaries who wish to relocate to another state or county can also use re-employment services to find a new job in the location where they are moving.
An agent with the employment service agency will be able to assist you by referring you to local job openings.
They will also offer you access to numerous job training programs that are designed to prepare you for employment.
If you have any special employment or counseling needs due to a disability, you can also receive assistance through an employment agency.