Filling Out The Application
When you get to your states unemployment application page, adhere to the rules and complete your unemployment insurance form accurately and thoroughly.
Youll need to file your application for unemployment using your Social Security number and the name that appears on your Social Security card.
Your Social Security number is your gateway to the actual unemployment application form. There, youll be asked to fill in the following information:
Your full name
Your mailing address
Your phone number and email address
Confirmation that youre a U.S. citizen.
Your tax withholding preference
Name, address and contact number for your former employer
Date of your layoff or furlough. Thats the date you were notified of the loss of work. Its vital that you file for unemployment benefits as soon as possible after this date, as any delays in applying could jeopardize benefits.
Your bank routing and checking account numbers. These days, most unemployment payments are transmitted directly to your bank account.
Date and sign your application form and hit send. By and large, it takes two or three weeks after filing for unemployment for your first payment to hit your bank account.
States are largely waiving the traditional one week waiting period for unemployment insurance applications. Thats due to the severity of the pandemic and the need to get cash to unemployed workers as soon as possible.
What To Say And What Not To Say
When completing your unemployment forms, one of the first questions you see will be something like: Explain in your own words why you left your last job. The form won’t leave much room for long-winded explanations. Take the clue and keep your responses simple and noncommittal.
Unless you were clearly dismissed from your job because of something you did wrong, avoid using the word “fired” in filling out any forms or answering any interview questions at the unemployment insurance office. There are many unspecified words thrown around concerning the end of employment, but fired is the one most often taken to mean that you did something wrong and were dismissed because of it.
If you lost your job because business was slow, note that you were laid off. “Laid off” is an equally vague term, but it is less likely to raise questions about the validity of your claim.
If you were discharged by your employer, take pains to note: “Discharged without any misconduct” or “Quit for good cause.” Leave out any qualifying details, such as: “My supervisor never liked me from the first day I walked in, so naturally I was the first to be laid off.”
Do You Have To Pay Unemployment On An Employee You Terminated For Good Cause
Surprisingly, the answer may be yes.
ESDs guidelines about the definition of cause are simultaneously very specific and troublesomely vague. ESD only allows you relief of charges for misconduct or gross misconductbut the definition of that is murky and up to the State.
Behavior that was termination-worthy to you may be considered by the ESD adjudicator to actually be something that was beyond the employees control.
For example, the ESD deems failing to grasp certain aspects of a job or being a poor fit for a position as an inability to meet the minimum job requirements, which is something that is beyond an employees control. Similarly, an employee who has repeatedly called in absent due to having a sick child at home also falls outside the ESDs definition of misconduct.
Even if an employee was terminated for actual misbehavior, the adjudicator can still put the burden back on you by deciding that you failed to provide warnings about the consequences of the transgression, and that you did not give the employee sufficient opportunities to change prior to the termination.
In all of these circumstances, the employees will be entitled to their unemployment.
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Tax Implications Of Unemployment Benefits
Unlike workers’ compensation benefits, unemployment insurance benefits are taxed as income. Because the benefit amounts paid are often below the taxable annual earning level, however, many states will not take the automatic step of deducting any taxes from your unemployment benefit check.
However, the state will report the unemployment benefit amount you were paid to the Internal Revenue Service and to your state taxing authority.
If you receive unemployment benefits during a year in which you get a new job, you may want to increase the amount your employer withholds in taxes from your paycheck. Otherwise, you may be unpleasantly surprised at tax time when you either owe more tax or receive less of a refund than anticipated.
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Taxes On Unemployment Benefits
The Internal Revenue Service counts unemployment insurance benefits as income, so your check is taxable. Depending on the state, state and federal income tax can be withheld from your check. Keep all paperwork in order and make sure that you file income taxes, even if you were unemployed for all or most of the year.
Budget For Life On Unemployment Benefits
Now that youve calculated how much you’ll receive in unemployment benefits on a weekly basis, theres no better time to put pen to paper and budget for the next few months. This is an important time to determine your fixed and discretionary expenses, says Lisa Brown, chief strategy officer at financial planning firm Brightworth in Atlanta. Brown recommends speaking with your mortgage company if youre a homeowner and inquiring with creditors, including credit card companies, to see if there are special programs for those whose jobs are impacted by the COVID-19 pandemic and to see if youre eligible to defer or reduce monthly payments above and beyond what the government is proposing.
Youve likely seen e-mails from mortgage services, credit card companies and banks expressing their commitment to help you stay on top of your finances. While its better to maintain your monthly payments pre-virus and pre-unemployment, it might be worth it to reach out and inquire about your options to reduce your minimum monthly payments.
Brown also recommends that you look at how much money you have in your bank, and stretch it out as much as possible to avoid tapping into retirement accounts .
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How To File Unemployment Insurance Request For Reconsideration
Also, what does request for reconsideration mean? request for reconsideration is the initial action you must request to challenge a denial of your application for Social Security Disability insurance or Supplemental Security Income .
People ask , how do I file an appeal for unemployment? You may file the appeal in person or by mail at the local unemployment insurance office where the claim was filed or at the Office of the Board of Review at: IDES, Board of Review, 33 South State Street, 9th Floor, Chicago, IL 60603. You may also file the appeal with the Board by fax at: 645-3731.
, how do I file an appeal for unemployment online?
, how do you write a good appeal letter?
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Information Needed To Apply
Be prepared with the following information before to file your initial claim:
- Your Social Security Number
- Your mailing address, county of residence
- Your Driver License or state-issued ID number
- Employment history:
- The names, addresses, and phone numbers of all employers for the last 18 months, including the correct mailing address and telephone number for the most recent employer
- The last day worked immediately prior to filing the UI claim
- Amount and date of any payment for severance, vacation, holiday or unused sick pay
- The name and local number of your union hall, if applicable
- Alien Registration Number, if applicable
- Copy # 4 of DD Form 214 if released from the military in the last 18 months
- SF 8 or SF 50 if employed in Federal Civilian service in the last 18 months
- Start date and monthly benefit amount of any pension
Reasons That Are Attributable To You When An Employee Quits Include:
- A change in the worksite which materially increases an employees commute or difficulty of travel
- A deterioration of worksite safety that has been reported to the employer and which the employer has failed to rectify in a reasonable period of time
- A change in the employees job that violates their religious convictions or moral values
When an employee resigns for reasons that are attributable to you as the employer, your account will be charged.
Note: In this economy, many employers are also learning that they are responsible for unemployment benefits when employees hours or wages are cut by 25% or more.
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How To Fill Out The Targeted Eidl Advance Application Step By Step:
It really was pretty simple to walk through the application. Since this is all sent out to people who have already been through the EIDL process, most of it is done for you. I’ll walk through what was all on the application.
I won’t bother with the link, because every link is personalized. It looks like this on the email.
Hit the button. Enter your social security number . And away you go.
Verifying Information From Your Original Application
Once you’ve checked through your eligibility, you move on to this screen.
It’s pretty straight forward. All of this is information from your previous application. If you were funded, there’s less likely to be any issues. However, pay attention to their instructions.
Once again, the print is small. I won’t walk through all the fields because it’s information you previously provided. I am going to break up the introduction paragraph into bite sized chunks because it’s important stuff.
Confirm information is still accurate.
The information below was submitted with your previous application. Please confirm that it is still accurate for your business or organization. Revise any information that has changed.
For most of us things probably haven’t changed much since applying. However, if you’ve had an address change or other contact information has changed, be sure to update that here.
If you do have a different address, make sure you match up with what you will put on your income tax return. The only time you would have a different address that I can think of than your personal address is if you actually rent out an office to operate your business out of.
Do not make up an address just to try to qualify for the low income area qualification. A change of address from a non qualifying address to one that does qualify could easily raise a red flag. If you did make a move, prepare to have documentation that proves your new address.
Get the right business name.
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What Happens After You Are Done
Now you wait.
The invitation email said it could be up to 21 days after you submit your application.
If your application meets threshold eligibility requirements for the Targeted EIDL Advance, you will receive an email requesting that you log in to the customer account portal to complete and sign a Request for Transcript of Tax Return for your business or organization. You must complete this task in order for your application to be considered. Submitting this form does not guarantee that your application will be approved.
Here’s what it looks like will happen:
They will check your business address and see if it meets the Low Income Area criteria.
Then they’ll check your income that you submitted. I don’t know if they’ll drill down further into week by week numbers. If you have two consecutive months in 2020 that added up to more than a 30% loss of revenue when compared to same two months the year before, then it’s safe to say you met the 8 week criteria.
If it’s close, will they ask for more detailed weekly information? I don’t know.
The language in their closing paragraph indicates tehre will be a follow up if you appear to qualify. Part of that will be to let them pull up your tax records.
The thing is, tax records don’t give any month to month information. The only thing they can do with that is compare them to your total earnings.
So it’s a good idea to make your monthly totals equal what you put on your tax forms.
Other than that, now it’s just wait.
Establish & Change Payment Options
When you apply for benefits, TWC offers you one of two ways to get your benefit payments:
- Direct deposit, which is direct payment into your personal checking or savings account in a United States bank or credit union
- Debit card, which is issued by the TWC-contracted bank
TWC will deposit payments to the TWC debit card account unless you sign up for direct deposit.
If you signed up for direct deposit on a prior claim, TWC will use the checking or savings account information you previously provided.
To select or change your payment option online or by phone:
- Log on to ui.texasworkforce.org and select Payment Option from the Quick Links menu.
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State Notifications For Mixed Earner Payments
States who opt into the MEUC program are legally required to notify potential UI claimants about the program. You will get a notice for claimant action that provides instructions on how to apply for the program and key documentation you will need. I would still recommend you check your state UI website regularly or bookmark this article as I will update the table above when states have the MEUC program up and running.
Note that it is a known issue in many states that MEUC processing is going much slower than expected due to the manual checks that state UI Agencies have to do for eligibility. You can see this reflected in the comments below.
Your Unemployment Benefit Services Password
When you sign up for online services, you will select a User ID and password. Your password protects your identity and privacy. It has the same legal authority as your signature on a paper document. Do not give your password to anyone, not even to a family member or TWC employee. You are responsible for any payment request made using your User ID and password.
If you have a User ID and password from WorkInTexas.com, use that User ID and password to logon to Unemployment Benefit Services. For more about the password requirements, go to Managing Your Benefits Password & PIN.
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Where To File For Unemployment Benefits
You should file your claim for unemployment benefits in the state where you live and worked. .
If you become unemployed in one state and then move to another, you can file your claim in your new state. However, your benefits will be determined by the rules of your former state. Although your new state administers your claim, the cost of your benefits is charged back to the state in which you became unemployed. A move will also add time to processing your claim, usually increasing the delay by several weeks.
Keep in mind that, even when you relocate, you still must meet all the requirements of the unemployment insurance program to qualify for benefits. Your new location must be one to which you were required to move by family circumstances or in which it is logical for you to expect to find a new job. For example, you cannot decide to move to a small seacoast town with virtually no business activity because you like the countryside there, quit your old job for no other reason, then expect to be eligible for unemployment insurance when you get to your new home and cannot find work.
Filing For Weekly Benefits
Once youve filed your initial claim for unemployment benefits, you can access your account each week and apply for benefits, check on the status of the claim to see when payment was made, and review how much unemployment compensation is left in your account. Mark your calendar with the day you need to file. Payment won’t be made unless you file for benefits each week for which you’re eligible.
While receiving unemployment, you must be actively willing to work and actively looking for work. The definitions of actively willing to work and actively looking for work also vary by state.
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