Filing for unemployment can be a daunting, confusing task. You may have eligibility questions. Your benefits amount will dictate your quality of life until new employment is found. How long will you receive benefits? Doing a little homework and having foresight will eliminate questions regarding unemployment benefits.
Unemployment funds are distributed from individual state unemployment insurance accounts. The funds come from the unemployment taxes that registered businesses deduct from each of their employees paychecks. People paid off the books are not eligible for unemployment. If an employee loses their job through no fault of their own, they may apply for unemployment benefits.
How you lost your job is the first eligibility factor. You must not be fired for misconduct or negligence on the job. You cannot quit your job, except under extreme duress. This includes health conditions exacerbated by your work environment or generally unsafe work conditions. Duress must be adequately documented and submitted with your claim. If you are downsized or your employer closed their business you are an excellent candidate for unemployment benefits.
Your application for unemployment is examined by your state unemployment agency. Your past employer is contacted to confirm the reason for your departure. If the reason given for your departure differs from what is listed on the application, your request for unemployment is denied.
Unemployment is calculated based on the amount you have contributed into your state unemployment insurance fund. Yearly unemployment insurance contributions are broken into quarters. The month when your application is received determines which yearly quarters are used by your state for calculating unemployment eligibility. A certain amount must be contributed during all selected quarters to be granted unemployment benefits.
Can you receive unemployment if you were employed part-time? The answer is-it depends. Unemployment funds are not issued based on the number of hours work. Funds are distributed based on dollar amounts contributed during designated quarters. If you your part-time position resulted in substantial unemployment insurance contributions then you are eligible for unemployment benefits.
The self-employed are eligible for unemployment under select conditions. If you received a paycheck from your incorporated business and unemployment taxes were deducted from your pay then you are eligible for unemployment benefits. If your business paid directly into the unemployment insurance fund for your state then you are eligible for unemployment benefits. Additional unemployment protection such as unemployment insurance is available for purchase by self-employed individuals.
Unemployment benefits are received for a period of 26 weeks. In cases of financial hardship, the federal government issues emergency extensions. Current state unemployment insurance funds are dwindling to the extreme unemployment rate.
Applying for unemployment does not have to be a maze. The answers are out there. Contact your local unemployment agency for further assistance.