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On the Job

How to File for Unemployment Assistance

Glassdoor Team

Glassdoor Team

Glassdoor Team | Author & Career Expert at Glassdoor | Apr 13, 2020

Applying for Unemployment Assistance

If you find yourself without a job, then you may need to apply for unemployment insurance, commonly referred to as unemployment benefits. Those benefits can give you much needed financial payments when you’re not working. But if you don’t know where to start—or what those payments might be—then this guide will help you with everything you need to know.  

How to Check Your Potential Eligibility for Unemployment Benefits

Each state sets its own guidelines determining who is eligible for unemployment benefits, as well what those benefits are—e.g., how many weeks of compensation you can collect and how much those payments will be. To find your state’s eligibility criteria, you’ll want to start an internet search with the words “unemployment benefits [state].” That search should return results that will include a government website about benefits or the Employment Development Department (EDD), and you’ll click that link for more information.

While every state is different, there are some overarching similarities for eligibility. For example, to receive benefits, you will need to have worked for a certain period of time, and lost your job for a reason that’s not your fault. You’ll also need to have earned a certain amount of money. 

The U.S. government offers a handy “Benefits Finder” tool on Benefits.gov for you to determine your eligibility. Use the questionnaire to find information on benefits you may be eligible to receive.

For example, in the state of California, to receive Unemployment Insurance (UI) benefit payments, you must meet all eligibility requirements when filing a claim and when certifying for benefits. When filing for UI benefits, you must have earned enough wages during the base period to establish a claim, and be:

  • Totally or partially unemployed.
  • Unemployed through no fault of your own.
  • Physically able to work.
  • Available for work.
  • Ready and willing to accept work immediately.
  • Actively looking for work.

What Are Unemployment Benefits

According to USA.gov, unemployment benefits “pay you money if you lose your job through no fault of your own. You must meet your state’s eligibility requirements.” And just like eligibility requirements differ from state to state, so, too, do their benefits. Generally, however, benefits are based on a percentage of your earning over the last year—with a minimum amount that must be paid. Those benefits will be subject to federal and most state income taxes, and must be reported.

In certain times—such as during the COVID19 crisis, or during times of high unemployment—some states will offer what’s called extended benefits, which last as long as 13 weeks after the initial benefits run out, according to USA.gov. You can only apply for these benefits after the original benefits run out, and not everyone qualifies for them. You must check with your state.

Here are the common types of unemployment benefits:

  • State Unemployment Insurance
  • Disaster Unemployment Assistance
  • Unemployment Compensation for Federal Employees
  • Unemployment Compensation for Ex-Service Members
  • Unemployment Insurance Extended Benefits
  • Trade Readjustment Allowances
  • Self-Employment Assistance

How Unemployment Benefits Vary by State

While there are some consistencies in unemployment benefits, they can vary from state to state. In Massachusetts, for example, benefits are paid on a weekly basis, according to its government, and are calculated at 50 percent of your average weekly wage during your base period. But in New York, benefits are calculated differently. The state determines your base period, then gives benefits based on two tiers: If you earned more than $3,575 in your highest quarter, your benefit amount is your high quarter wages divided by 26—and if that calculation is less than $143, your benefit rate is $143, according to the state. If you made less than $3,575 in your highest quarter, your benefit amount is your high quarter wages divided by 25 or $100—whichever is higher.

This is just one reason why it’s very important to check your own state’s benefits information.

How to Apply for Unemployment Benefits

As soon as you lose your job, contact your state’s unemployment insurance program. (You should contact the state agency in which you worked, in case you live in a different state.) Though an application in each state may look different, you’ll still be asked to provide certain information no matter where you live, such as your address, dates of former employment, and your pay rate. 

You can use this map, provided by USA.gov, to find specific information about your state and be provided links to apply online or instructions for how to apply in person or over the phone. 

To file for unemployment insurance, you will need to provide the following information:

  • Last employer information including company name, supervisor’s name, address (mailing and physical location) and phone number
  • Last date worked and the reason you are no longer working
  • Gross earnings in the last week you worked, beginning with Sunday and ending with your last day of work
  • Information on all employers you worked for during the past 18 months, including name, address (mailing and physical location), the dates of employment, gross wages earned, hours worked per week, hourly rate of pay, and the reason you are no longer working.
  • Notice to Federal Employees About Unemployment Insurance, Standard Form 8 (former federal employees only)
  • DD 214 Member 4 copy (ex-military only)
  • Citizenship status, and, if you are not a U.S. citizen, information from your employment authorization document

How Are Unemployment Benefits Determined

Each state has its own criteria for determining eligibility. For more information about how benefits are determined in your state, visit this link and select your state from the map.

Many states evaluate your unemployment benefits claim based on:

  • Past wages
  • Job separation(s)
  • Ongoing eligibility requirements

To be eligible for benefits based on your job separation, you must be either unemployed or working reduced hours through no fault of your own. Examples include layoff, reduction in hours or wages not related to misconduct, being fired for reasons other than misconduct, or quitting with good cause related to work.

Laid Off

Layoffs are due to lack of work, not your work performance, so you may be eligible for benefits. For example, the employer has no more work available, has eliminated your position, or has closed the business.

Working Reduced Hours

If you are working but your employer reduced your hours, you may be eligible for benefits. Your reduction in hours must not be the result of a disciplinary action or due to your request.

Fired

If the employer ended your employment but you were not laid off as defined above, then you were fired. If the employer demanded your resignation, you were fired.

You may be eligible for benefits if you were fired for reasons other than misconduct. Examples of misconduct that could make you ineligible include violation of company policy, violation of law, neglect or mismanagement of your position, or failure to perform your work adequately if you are capable of doing so.

Quit

If you chose to end your employment, then you quit. Most people who quit their jobs do not receive unemployment benefits. For example, if you quit your job for personal reasons, such as lack of transportation or stay home with your children, we cannot pay you benefits.

You may be eligible for benefits if you quit for one of the reasons listed below:

  • Quit for good cause connected with the work, which means a work-related reason that would make an individual who wants to remain employed leave employment. You should be able to present evidence that you tried to correct work-related problems before you quit.
    Examples of quitting for good work-related reason are well-documented instances of:

  • Quit for a good reason not related to work, under limited circumstances. Examples include leaving work because:
  • Quit to move with your spouse when the move is not part of a qualifying military permanent change of station (PCS).

Heads up: It can take two to three weeks after you file your claim to receive your first benefit.

Other Government Programs for the Unemployed

There are other benefits of which the unemployed can take advantage. Those include: 

  • “Federal agencies offer many unemployment education and training programs. They are generally free or low cost to the unemployed,” according to USA.gov.
  • Self-employed people can also receive benefits to help them start their own businesses. This benefit is available in: Delaware, Mississippi, New Hampshire, New York, and Oregon.
  • The Consolidated Omnibus Budget Reconciliation Act, or COBRA, “gives workers and their families the right to choose to continue group health coverage provided by their group health plan for limited periods of time,” according to USA.gov.

COVID-19 Unemployment Resources by State to Help You Recover

More than 16 million Americans have filed for temporary unemployment benefits over the last three weeks due to the novel coronavirus outbreak. According to the data released by the Labor Department, it reflects how badly the pandemic has damaged the U.S. economy. Before the current crisis, the most weekly claims ever recorded was 695,000 in 1982. In March 2009, during the height of the financial crisis, claims reached 665,000. The coronavirus is projected to cost 47 million jobs this quarter, according to estimates by the Federal Reserve Bank of St. Louis. That would translate to an unemployment rate of 32.1%, well above the 24.9% rate during the Great Depression.

If you are currently experiencing an unexpected transition in your career due to COVID-19, you aren’t alone. In addition to prioritizing your mental and physical health of yourself and your community, make sure to explore your state’s unemployment benefits. We provided several unemployment resources per state to help you understand what financial support you might be able to receive. 

[gd-related link=”https://www.glassdoor.com/blog/job-resources-by-state/” label=”COVID-19 Job Resources by State”]

Here are useful unemployment resources in each state:

Alabama Unemployment Resources 

General Information about the Unemployment Insurance Program: 

To  file a UI claim online: 

To file a claim by telephone number:

Coronavirus update: Alabama is providing updates on Unemployment Insurance changes related to COVID-19 here:

Alaska Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: Alaska is providing updates on Unemployment Insurance changes related to COVID-19 here:

Arizona Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: Arizona is providing updates on Unemployment Insurance changes related to COVID-19 here:

Arkansas Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: Arkansas is providing updates on Unemployment Insurance changes related to COVID-19 here:

California Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: California is providing updates on Unemployment Insurance changes related to COVID-19 here:

Colorado Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: Colorado is providing updates on Unemployment Insurance changes related to COVID-19 here:

Connecticut Government Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Connecticut is providing updates on Unemployment Insurance changes related to COVID-19 here:

Delaware Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Delaware is providing updates on Unemployment Insurance changes related to COVID-19 here:

District of Columbia 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Florida Unemployment Resources

General Information about the Unemployment Insurance Program:

To file an Unemployment Claim

Georgia Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Georgia is providing updates on Unemployment Insurance changes related to COVID-19 here:

Hawaii Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Hawaii is providing updates on Unemployment Insurance changes related to COVID-19 here:

Idaho Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

To file a claim by telephone number:

Coronavirus update: Idaho is providing updates on Unemployment Insurance changes related to COVID-19 here:

Illinois Unemployment Resources 

General Information about the Unemployment Insurance Program:

File a UI claim online.

Coronavirus update: Illinois is providing updates on Unemployment Insurance changes related to COVID-19 here:

Indiana Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Indiana is providing updates on Unemployment Insurance changes related to COVID-19 here:

Iowa Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Iowa is providing updates on Unemployment Insurance changes related to COVID-19 here:

Kansas Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Kansas is providing updates on Unemployment Insurance changes related to COVID-19 here:

Kentucky Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Kentucky is providing updates on Unemployment Insurance changes related to COVID-19 here:

Louisiana Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Louisiana is providing updates on Unemployment Insurance changes related to COVID-19 here:

Maine Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Maine is providing updates on Unemployment Insurance changes related to COVID-19 here:

Maryland Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Massachusetts Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Massachusetts is providing updates on Unemployment Insurance changes related to COVID-19 here:

Michigan Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Michigan is providing updates on Unemployment Insurance changes related to COVID-19 here:

Minnesota Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Minnesota is providing updates on Unemployment Insurance changes related to COVID-19 here:

Mississippi Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Missouri Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Missouri is providing updates on Unemployment Insurance changes related to COVID-19 here:

Montana Unemployment Resources 

General Information about the Unemployment Insurance Program:

http://uid.dli.mt.gov/

To file a UI claim online:

https://montanaworks.gov/Job-Seeker-UI-Claimant

Coronavirus update: Montana is providing updates on Unemployment Insurance changes related to COVID-19 here:

Nebraska Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Nebraska is providing updates on Unemployment Insurance changes related to COVID-19 here:

Nevada Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Nevada is providing updates on Unemployment Insurance changes related to COVID-19 here:

New Hampshire Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: New Hampshire is providing updates on Unemployment Insurance changes related to COVID-19 here:

New Jersey Unemployment Resources 

General Information about the Unemployment Insurance Program:

File a UI claim online.

Coronavirus update: New Jersey is providing updates on Unemployment Insurance changes related to COVID-19 here:

New Mexico Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: New Mexico is providing updates on Unemployment Insurance changes related to COVID-19 here:

New York Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: New York is providing updates on Unemployment Insurance changes related to COVID-19 here:

North Carolina Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: North Carolina is providing updates on Unemployment Insurance changes related to COVID-19 here:

North Dakota Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: is providing updates on Unemployment Insurance changes related to COVID-19 here.

Ohio Unemployment Resources

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Ohio is providing updates on Unemployment Insurance changes related to COVID-19 here:

Oklahoma Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Oregon Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Oregon is providing updates on Unemployment Insurance changes related to COVID-19 here:

Pennsylvania Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Oregon is providing updates on Unemployment Insurance changes related to COVID-19 here:

Rhode Island Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Rhode Island is providing updates on Unemployment Insurance changes related to COVID-19 here:

South Carolina Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: South Carolina is providing updates on Unemployment Insurance changes related to COVID-19 here:

South Dakota Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: South Dakota is providing updates on Unemployment Insurance changes related to COVID-19 here:

Tennessee Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Tennessee is providing updates on Unemployment Insurance changes related to COVID-19 here:

Texas Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Texas is providing updates on Unemployment Insurance changes related to COVID-19 here:

Utah Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Utah is providing updates on Unemployment Insurance changes related to COVID-19 here:

Vermont Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Vermont is providing updates on Unemployment Insurance changes related to COVID-19 here:

Virginia Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Virginia is providing updates on Unemployment Insurance changes related to COVID-19 here:

Washington Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

West Virginia Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: West Virginia is providing updates on Unemployment Insurance changes related to COVID-19 here:

Wisconsin Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: West Virginia is providing updates on Unemployment Insurance changes related to COVID-19 here:

Wyoming Unemployment Resources 

General Information about the Unemployment Insurance Program:

To file a UI claim online:

Coronavirus update: Wyoming is providing updates on Unemployment Insurance changes related to COVID-19 here.

Glassdoor Team

Glassdoor Team

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