Unemployment Benefits: How To Apply In The United States

Unemployment Beneftis

Unemployment Benefits

Losing your job is definitely one of the biggest problems a person can have. Jobs are very important since it can provide income which can cover the daily and monthly expenses such as food, bills, shelter, medical expenses and of course education.

When you lose your job, you will get financial help from your state which is the Unemployment Benefits. This will help you cover your expenses during your unemployment period and will help you get through until you find a new job or a new way to earn money.

The Unemployment Benefits is something that most people do not look forward to, since you can only get this benefit if you are unemployed. If, however you want to know more about the Unemployment Benefits in the United States like how to apply for it and how long it can cover your expenses you will find the information here.

What to Expect When You Lose Your Job

Many people that lose their job expect that they can always claim their Unemployment Benefit from their state. However, there are also qualifications that will help the state determine if you are eligible for the benefit. When you lose your job, it is best that you find out whether you are eligible for the Unemployment Benefit by visiting your State Unemployment Insurance Office.

Remember that in general  Unemployment Benefits is provided for people who lost their job through no fault of his or her own. Also this benefit requires the wage earned or time worked before getting unemployed.

Here are the people that do not qualify for the Unemployment Benefits:

  • Part-time workers
  • Self-employed workers
  • Temporary workers
  • School graduates

Here are the five main reasons where your application for Unemployment Benefits will be declined:

  • Voluntary resignation from work without a good cause
  • Separation due to misconduct
  • Unemployment due to labor dispute
  • Not being available to work
  • Refusal of suitable work

How to Apply

Once you find out that you are eligible for Unemployment Benefits, you must gather all your necessary documents that will support your eligibility for the benefit. You will need your Social Security number, a list of your past employers and how long you have worked for them.

You can apply for your Unemployment Benefits online, by phone or in person through your State Unemployment Insurance Office. It is best that you apply as soon as possible since it can take time to process your application. Once your application is approved you will then get your Unemployment Benefits which can be bi-weekly or monthly.

How Much Can You Expect to Get?

The amount of financial help that you can get with  Unemployment Benefits will differ per state since each state has a different way to calculate this benefit. This temporary benefit aims to partially replace the lost wages of the unemployed so you can expect that the amount you can get will be based on your previous earnings. The most common formula amongst states is to provide half of what the unemployed used to earn and up to the average earnings in the state. This benefit is also taxable; you will need to file it as part of your gross income.

How Long Will It Last?

The normal duration that one can get the Unemployment Benefit is usually 26 months or up to half a year. In areas with high unemployment rate, there are additional weeks available. However if you still cannot find a job after 26 months, your Unemployment Benefit can be extended. There is a new amendment to the extension of the Unemployment Benefit which can provide up to 14 additional weeks in all the states.

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