Filing for Unemployment Benefits

Losing your job can be devastating. However, depending upon your circumstances, you may be eligible for unemployment benefits. These financial benefits are paid to unemployed people by the federal government, and they typically cover a fairly large portion of your missed paycheck. For many people, these benefits may equal 60 to 70% of their regular paycheck.

Learning how to file for unemployment is not that difficult, but the process can seem daunting if you have never done it before. To help you on your journey, PaydayLoansCashAdvance has compiled a few unemployment tips that can guide you along the way.

Determining Your Eligibility

To determine if you are eligible for unemployment benefits, you will need to contact the relevant department in your state. In most states, you will need to contact the department of labor and employment. They will handle your claim, and they will explain any special steps that you need to take in order to be eligible. For instance, in some states, you are required to register at a workforce center to secure your eligibility, and in other states, you will need to get started for a certain amount of jobs per week in order to get your unemployment benefits.

You should be able to get started online, but if you prefer, you can get started in person or over the phone. Regardless of how you get started, you may need to visit the state unemployment office to provide them with copies of your ID and any other supporting documentation that they require. If you live in one state and work in another, you will typically get started in the state where you were working. However, you will need to check with that state’s labor department to ensure that they will pay claims to people living out of state.

What You Need to Process your Claim

The laws vary from state to state, but in most cases, you will need a few basic items to complete your claim. You will need to provide personal information on your form like your phone number, address, social security number, and your birth date. You will probably be asked to verify these details with a current state ID.

You will also need the employment information from your last employer and any other employers that you had over the last five quarters. Generally, you will need their federal ID number which can be found on your last W-2, their name, and their address. You will also need to provide information about how much they paid you.

Will Your Claim Be Accepted?

Claims are accepted or denied based on a few different factors. One of the most important factors that will be considered is how you left your job. If you quit or were fired for misconduct, you may not be eligible for unemployment benefits. In those cases, you may need to contact your state about other programs that can help you as you look for a new job.

If you were laid off, you will most likely be eligible for benefits. If you are denied coverage, there is an appeals process where you can appeal the denial. They will look more closely at your claim, and they will allow you to explain any special circumstances that should be taken into account.

Special Circumstances to Consider

Your state unemployment office will consider a few factors when they create your unemployment benefits. In most cases, they will base your payment off of your income. However, they will not look at your current income. Instead, they may look at how much you earned in the first four of the last five quarters. If you were at a different job during any of those quarters and if you left that job voluntarily, they may exclude that income from your proposal. They will also need to make adjustments if your income is based on tips or commissions.

If you have any special circumstances like these, you may wish to call the unemployment office directly to ensure that you are getting the most money possible. In extreme situations, you may even want to talk with an unemployment lawyer who can give you unemployment tips that will boost the amount of your payment. The right attorney can also help you understand how to file for unemployment correctly.

How to File for Unemployment Online

Once your form has been approved, it is easy to submit your claim. You will not get paid for your first week off, and you will not get paid for any weeks during which your employer is paying you vacation or severance pay. Once you qualify for payments, the state unemployment office will send you a user ID and a password so that you can access their website.

Every two weeks, you will need to sign into their website or use their phone system. You will be asked a variety of questions that will probably have the same answers every time. They will ask you if you applied for jobs that week, if you worked anywhere, if you volunteered anywhere, and whether or not you earned vacation pay that week. Once you have completed those questions, they will process your claim and send you your money.

Spending Your Unemployment Benefits

Unemployment benefits are cash benefits, and they can be used anywhere. Although the government used to send these benefits to people in the form of checks, they now use check cards for most people. The money will be automatically loaded to your card every two weeks, and you can use the card just like you normally would at most ATMs and stores. It is important to note that some ATMs will charge you fees to withdraw money, and ideally, you should find ATMs that you can use for free.

Unemployment benefits will make your life easier as you search for a new job. In some cases, you may even be allowed to have a part time job while still collecting benefits. Losing a job is never an uneasy thing, and we wish you the best of luck through this difficult time.

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