How does unemployment benefits work




















The exact entitlement varies by state. Each state has its own eligibility guidelines, but according to the U. Department of Labor, you will likely qualify if:.

Select your state to find out how you can file for unemployment benefits. Source: U. Department of Labor. But if you are earning less in part-time work than you are receiving unemployment insurance, then you are still eligible for the unemployment benefits. Each state has a different method for calculating your unemployment benefit after factoring in the amount you earn from part-time work.

Because of this, some people may need to consider whether taking on additional employment will significantly affect their unemployment-insurance benefits, says Mr. Unemployment benefits are meant to provide temporary relief as you figure out your next step. If you are struggling with your finances, you can take steps to cut back on your expenses, says Mr. Many companies are helping out their customers if you call and say you have been affected by the Covid pandemic, he says. Federal student loans have been temporarily deferred , but Mr.

Rosa also suggests calling your private lender to ask what options are available. If you are a homeowner, you can also contact your mortgage company to ask about getting forbearance.

If you are facing food or housing insecurity, you could also look into government programs meant to help people navigate tough times, such as the Supplemental Nutrition Assistance Program, Temporary Assistance for Needy Families or WIC, which is the Special Supplemental Nutrition Program for Women, Infants and Children. These systems, like many assistance programs, have been under strain during the coronavirus pandemic , but are still worth contacting, says Mr.

Ross Jr. You can find links and contact information for every state at the Career One Stop site , sponsored by the federal Department of Labor's Employment and Training Administration.

In a normal economic climate, most states offer unemployment benefits for up to 26 weeks, or half a year, although a handful of states now offer benefits for fewer weeks. In times of high unemployment, such as during the coronavirus pandemic, benefits might be extended further. If you need help filing an application for unemployment benefits or appealing a denial, contact a knowledgeable employment lawyer right away to discuss your options.

The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service.

Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. Grow Your Legal Practice. Meet the Editors. For more information, visit Job Seekers: Returning to Work. The web pages currently in English on the EDD website are the official and accurate source for the program information and services the EDD provides.

Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the information contained in the translated website, please refer to the English version. The EDD is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information or changes in the formatting of the pages resulting from the translation application tool.

Some forms and publications are translated by the department in other languages. For those forms, visit the Online Forms and Publications section. More Information. Requirements to Apply When applying for unemployment benefits, you must: Have earned enough wages during the base period. Be totally or partially unemployed. Be unemployed through no fault of your own. In addition, if you have exhausted the 13 weeks of additional benefits available under the PEUC program, you may be eligible to continue receiving benefits under the PUA program.

This benefit is available for weeks of unemployment beginning after the date on which your state entered into an agreement with the U. Department of Labor and ending with weeks of unemployment ending on or before July 31, Contact your state unemployment insurance office to learn what options may be available for delaying reimbursement payments. The CARES Act allows states to provide maximum flexibility to reimbursing employers as it relates to timely payments in lieu of contributions and assessment of penalties and interest.

The U. Department of Labor will soon be issuing guidance on how states should implement this provision. Each state sets its own unemployment insurance benefits eligibility guidelines, but you usually qualify if you:. Under the CARES Act, you may be eligible for benefits if you meet one of the circumstances listed in the Act, but none include the scenario described.

On these facts, you are not eligible for Pandemic Unemployment Assistance PUA because you do not meet any of the qualifying circumstances. There are, however, circumstances under the CARES Act in which specific, credible health concerns could require an individual to quit his or her job and thereby make the individual eligible for PUA. For example, an individual may be eligible for PUA if he or she was diagnosed with COVID by a qualified medical professional, and although the individual no longer has COVID, the illness caused health complications that render the individual objectively unable to perform his or her essential job functions, with or without a reasonable accommodation.

As a general matter, you are likely to be eligible for PUA due to concerns about exposure to the coronavirus only if you have been advised by a healthcare provider to self-quarantine as a result of such concerns. For instance, an individual whose immune system is compromised by virtue of a serious health condition, and who is therefore advised by a healthcare provider to self-quarantine in order to avoid the greater-than-average health risks that the individual might face if he or she were to become infected by the coronavirus will be eligible for PUA if all other eligibility requirements are met.

You may qualify. However, to qualify as a primary caregiver, your provision of care to the child must require such ongoing and constant attention that it is not possible for you to perform your customary work functions at home.

For example, if your employer allows you to telework and you are caring for a more mature child who is able to care for him or herself for much of the day, you likely would not qualify for PUA because you are still able to work. A school is not closed as a direct result of the COVID public health emergency, for purposes of a 3 A ii I dd , after the date the school year was originally scheduled to end.

That means that, once the school year is over, parents should rely on their customary summer arrangements for caring for their children, and will not, absent some other qualifying circumstances, be eligible to receive PUA. If, however, the facility that they rely on to provide summer care for the child is also closed as a direct result of the COVID public health emergency, they may continue to qualify for PUA.

Similarly, if there is some other reason under which they qualify for PUA, they will continue to be eligible to receive benefits. You may be eligible for PUA, depending on your personal circumstances. A gig economy worker, such as a driver for a ride-sharing service, is eligible for PUA provided that he or she is unemployed, partially employed, or unable or unavailable to work for one or more of the qualifying reasons provided for by the CARES Act.



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