What Is A Waiting Period Week
Your waiting period week is the first eligible week for benefits under each claim filed. You must serve a waiting period week for each claim filed. You will never receive payment for this first week, but it must be claimed to be counted. It does not mean you should wait a week before filing a UI claim.
Check With Your State Unemployment Office
Check with your state unemployment office for information on what benefits you are entitled to. Initial benefits may be different from weekly benefits, there may be a waiting period before you receive payment, and some states have maximum payout amounts or timelines.
Its important to do your research and contact your states unemployment agency quickly, so you have all the accurate information you need to collect the benefits youre entitled to.
You will find information on qualifying for benefits in your location on your states unemployment website, as well as detailed information on what you need to do to submit a claim.
Can I File A Claim If I Am Not A United States Citizen
If you are not a citizen or national of the United States, you must have legal authority to work in the U.S. You must present either:
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About Ryan Guina
Ryan Guina is the founder and editor of Cash Money Life. He is a writer, small business owner, and entrepreneur. He served over 6 years on active duty in the USAF and is a current member of the IL Air National Guard.
Ryan started Cash Money Life in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. He also writes about military money topics and military and veterans benefits at The Military Wallet.
Ryan uses Personal Capital to track and manage his finances. Personal Capital is a free software program that allows him to track his net worth, balance his investment portfolio, track his income and expenses, and much more. You can open a free account here.
How Long Can I Receive Unemployment Benefits
Typically, you can receive unemployment benefits for up to 26 weeks or until you find another job.
But it can be extended to 39 or even 46 weeks during periods in your state when the unemployment rate is high.
Ultimately, the length of time you may claim unemployment benefits varies by state, so its important to check with your state for more information.
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How We Calculate Benefits
If you qualify for Unemployment Insurance benefits, the amount of money you’ll get each week is called your . This amount will depend on how much you earned in the before you applied for Unemployment Insurance benefits.
There are other factors that may reduce your WBR, like whether you are working part-time or collecting a pension.
Note: To be eligible for Unemployment Insurance benefits in 2021, you must have earned at least $220 per week during 20 or more weeks in covered employment during the base year period, or you must have earned at least $11,000 in total covered employment during the base year period. For more information, .
Weekly Benefit Rate
The weekly benefit rate is capped at a maximum amount based on the state minimum wage. For 2021, the maximum weekly benefit rate is $731. We will calculate your weekly benefit rate at 60% of the you earned during the , up to that maximum. We determine the average weekly wage based on wage information your employer report.
If you are not entitled to the weekly , you may be able to increase your entitlement with .
If after we calculate your weekly benefit rate, you realize that we did not include wages because they were not reported by your employer, contact us for a . You will need to provide pay stubs as proof of your earnings.
Maximum benefit amount
Alternate Base Year Claims
You could be eligible for an alternate base year claim if you do not have the required 680 hours of work in your regular base year.
The base year for an alternate base year claim is the last four completed calendar quarters before the week in which you file your claim. You must have 680 hours of work in the alternate base year and still meet all of the other eligibility requirements.
If you file your claim here:
Your base year is the blue-shaded area.
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How Long Will I Receive The Additional Weekly Benefit Under The Executive Order
Initially, the bill accounted for 11 weeks of this additional benefit but because of the delay in signing the bill, this may now be 10 weeks. Its not yet clear when states will roll these benefits out, but the additional $300 is slated to cover the weeks starting from Dec. 26, 2020 and ending on or before March 14, 2021. However, youre unlikely to see this money in your unemployment check for at least another few weeks states need guidance from the Department of Labor on how to implement the bonus payments.
As An Employer What If The Claimant Is Not Claiming Benefits Against My Account
You should respond to all requests for information regarding a claim from DES. Neither claimants nor employers get to choose which employer is charged for a claim. This is determined by the Employment Security Law. All employment within a claimants base period and a claimants last employment before filing a claim are considered.
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Claiming Benefits Across Multiple States
If you worked and earned wages in multiple states you may be able to claim benefits from all these states relative to the income you earned. Generally you should first exhaust benefits from the state where you had the highest income and/or lived for the longest duration in the base year of figuring your claim. After which you can submit claims from the other states up to the maximum weekly benefit.
What Are The Unemployment Qualifications In Indiana
To qualify for unemployment benefits in Indiana, you must meet several qualifications before being granted unemployment payments. There are three specific requirements mandated by the Indiana unemployment department that impact whether or not you qualify for unemployment:
Requirement #1: You are able to work.
Indiana unemployment laws require you to be able to find new work before you can receive benefits.
- You must be able to work.
- You must be available to work.
- You must be actively searching for a full-time job.
Requirement #2: You lost your job through no fault of your own.
- Did you quit your job voluntarily? If so, and your reason for quitting was not work-related, you cannot receive benefits. Work-related reasons for quitting that still allow you to qualify for unemployment benefits include the following:
- Worksite safety violations
- Moving to follow a spouse who has accepted a new job
- Harassment, family violence, or domestic abuse
Requirement #3: You earned enough during your base period.
For your claim to be valid, you must have earned at least 1.5 times the amount of your highest-quarter wages in your base period and have made at least $2,500 in the final six months of that period.
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How Can I Estimate My Weekly Benefit Amount
You can estimate your own weekly benefit amount to see how much you are potentially eligible to receive. To do this, you need to know which calendar quarters will make up your base year.
Your base year is the first four of the last five completed calendar quarters before the week in which you apply for benefits. For example, if you applied for unemployment benefits on Jan. 20, 2021, your base year would include wages earned from Oct. 1, 2019, through Sept. 30, 2020.
You could be eligible for an alternate base year claim if you do not have enough hours in that base year for a valid claim .
When you file your claim here:
Your base year is the blue-shaded area.
To estimate how much you might be eligible to receive, add together the gross wages in the two highest quarters during that period, divide by 2, and then multiply by 0.0385 to get your weekly benefit amount.
The total amount of benefits potentially payable on your claim is found by taking the smaller of:
- 26 times your weekly benefit amount or
- 1/3 of the total gross wages in all four quarters of your base year.
Who Is Eligible For Unemployment Benefits
Not everyone who is out of work is eligible for unemployment benefits. The unemployment compensation program is intended as a temporary benefit, to tide over those who are temporarily out of work until they find new jobs. Those who have stopped looking for work or are unable to work cant collect benefits, nor can those who havent worked regularly before losing a job. Your eligibility also depends on why you are out of work: If you quit without good reason or you were fired for serious misconduct, for example, you wont be eligible. Here are the general eligibility rules each state has its own definitions of these terms:
- You must be able, available, and actively seeking work if you arent looking for a job or able to accept one if offered, you wont get benefits.
- You must be out of work through no fault of your own.
- You must have worked a minimum number of hours, received a minimum amount of wages, or both prior to becoming unemployed.
Of course, you must also apply for benefits and follow the procedural rules of your state .
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Why $600 A Week
When you add $600 to the national average unemployment payment $371.88 a week at the end of 2019 the replacement rate goes from 38 percent to almost exactly 100 percent. In other words, that amount is what it would take for Congress to replace what the average American worker receiving unemployment would have earned.
I would never two months ago have ever thought of advocating for 100 percent income replacement, said Michele Evermore, a senior policy analyst at the National Employment Law Project. But then when the pandemic hit, it was very different. We needed a policy mechanism to do something that unemployment insurance doesnt usually do, and thats keep people home.
Unemployment benefits are typically meant to keep people afloat but stay low enough to incentivize them to find a job. Now, when seeking work may be both fruitless and dangerous, the incentives have nearly reversed.
But if the goal is to replace everyones wages, why not do it in a manner similar to how other countries are paying large percentages of worker salaries to prevent layoffs? While state unemployment systems are revealing their lack of preparedness for a crisis of this scale, the United States didnt have many options that already existed to quickly get money to the people who will need it, according to Ms. Evermore. The unemployment insurance system is the system we have, she said.
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Whom To Contact About Indiana Unemployment Benefits
The DWD has FAQs and tutorials on its website. If you need additional assistance, you can reach the departments benefit call center at 800-891-6499. TDD service is available at 317-232-7560. The call center is open on weekdays from 8 a.m. to 4:30 p.m.
For help accessing your Uplink CSS account or resetting your password, email with your name, Social Security number, mailing address, and phone number.
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Paying Futa Taxes To The Irs
Typically, employers must deposit their FUTA tax liability to the U.S. Treasury through the Electronic Federal Tax Payment System or by filling out and mailing in a paper form .
The business also needs to report FUTA by filing a Form 940 by January 31 of the following year as part of its annual tax returns.
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How Much Does Unemployment Insurance Pay
Most state unemployment insurance programs replace half of the previous weekly earnings, subject to a certain limit. Prior to the coronavirus epidemic, average weekly UI payments were $387 nationwide, ranging from $215 in Mississippi to $550 in Massachusetts. Because payments are capped, UI replaces a lesser percentage of past wages for higher-income workers than for lower-income workers. At the same time, program formulas vary, and the states with greater maximums have higher replacement rates. Hawaii had the highest UI average replacement rate of 55 percent in the fourth quarter of 2019, while D.C. had the lowest average replacement rate of 21 percent.
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What Is A Benefit Year
Your benefit year is the 52-week period from the date you register for work and first file a valid claim. If you are still attached to your employers payroll, your benefit year begins on the Sunday before your payroll week ends. If you are not attached to an employers payroll, your benefit year begins on the Sunday of the calendar week that you file a valid claim and register for work.
Putting It All Together
To find out roughly how much you will receive in benefits, youll need to know what formula your state uses, as well as its minimum and maximum amounts and any dependent allowance it might offer. For information on how unemployment is calculated in your state, see Nolos Collecting Unemployment Benefits page and select your state.
Here are a couple of examples so you can see how it works:
California replaces half of an applicants income, uses the highest paid quarter of the base period, and offers a maximum benefit of $450. If you earned $15,000 in your highest paid quarter, you would divide that by 26 to come up with half of your weekly wages: $576.92. That amount is more than the maximum benefit, so you would be eligible to receive $450 each week in benefits. California doesnt provide any extra amount for dependents.
Illinois replaces 47% of an applicants income and uses the two highest paid quarters of the base period. If you earned a total of $20,000 in those two quarters, you would multiply that amount by .47, then divide it by 26 to come up with a weekly amount: $361.54. The current maximum benefit in Illinois is $418, so you would be entitled to collect the full $361.54. Illinois provides additional benefits to those who have a dependent spouse or child, so you would add these benefits to your weekly total if you were eligible.
Calculating Your Duration Of Benefits
The number of weeks you are eligible to receive UI benefits is called your duration of benefits. Your duration of benefits is calculated by dividing your maximum benefit credit by your weekly benefit amount.
The maximum number of weeks you can receive full unemployment benefits is 30 weeks . However, many individuals qualify for less than 30 weeks of coverage.
The following examples show how to determine your duration of benefits.
How Much Can I Get Each Week
In Washington state, the maximum weekly benefit amount is $929. The minimum is $295. No one eligible for benefits will receive less than $295, regardless of their earnings.
The actual amount you are eligible to receive depends on the earnings in your base year. We calculate your weekly benefit amount and maximum benefits payable by using the wage information reported to us by your employer.
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Family Supplement Low Income Families
If you are considered to be part of a low income family, you are eligible to receive extra EI benefits through the Family Supplement. You are considered to be low-income if:
- your net family income is not higher than $25,921 per year,
- you have children, and
- you or your spouse received the Canada Child Benefit
How much you will receive is based on your income and the number of children and their ages. This amount will automatically be added to your EI payment. If you and your spouse claim EI benefits at the same time, only one of you can receive the Family Supplement.
What Wages Can Be Used To Establish A Claim For Benefits
Any wages used to establish eligibility for UI benefits must be earned in employment that is covered by the Employment Security Law. This means that the employer must be subject to UI tax. Employers who are liable under the Employment Security Law are required to post a Certificate of Coverage and Notice to Workers in their place of business.