Who Can Still Apply For Unemployment
While pandemic unemployment has ended, regular unemployment is still available.
Each state sets its own guidelines on how it issues unemployment insurance. In many cases, unemployment is available to salaried workers that lose their jobs through no fault of their own.
Applicants must meet work and wage requirements and there is a limit for how many weeks can be claimed.
What Should I Do Once Unemployment Benefits Run Out
Nows the time to focus on what you can do to better your financial situation and develop a plan moving forward. Here are a few actions you can take to get started, which we have collected over time from experts:
- Start looking for a survival job to help cover your necessary living expenses, even if it doesnt align with your long-term career goals.
- Reassess your budget and make it as lean as possible by cutting back on non-essential spending and other potential costs. If you dont have a budget, start one by following these tips.
- If you have an emergency fund, now is the time to rely on it.
- If you dont have an emergency fund but have a 401, you may be able to tap into it penalty-free via loans or even special hardship withdrawals through Sept. 30. If you arent eligible, consider withdrawing from your 401 only as a last resort.
- Ask your circle of friends, family, or work colleagues for help if youre struggling financially. They may be able to temporarily help you out or guide you on what to do next if you talk to them about your situation.
- Reach out to organizations in your community for assistance, such as local food banks, charities, and nonprofit centers.
- When possible, restock your emergency savings. Even if youre contributing only $5 a week back to your fund, it will build up over time.
If youre feeling overwhelmed or guilty about your finances, give yourself some grace and practice self-care. Your mental health matters just as much as your financial health.
How Many People Lost Their Jobless Benefits
Its estimated around 7.5 million people have been cut off from aid, and more than three million people who get the weekly $300 bonus to their state unemployment benefits have been affected. That brings the total number of people affected by the Sept. 6 expiration date to almost 11 million.
In addition to that, August was an underwhelming month for job growth, with the economy adding just 235,000 positions, the Labor Department reported Friday. Economists polled by Bloomberg predicted 725,000 new hires for August, while a separate Reuters survey had economists predicting 728,000. Still, the unemployment rate is on a steady if slow decline, dropping from 5.4% to 5.2%.
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How To Get Help When You’re Out Of Unemployment
What can you do if your unemployment benefits run out, or you’re about to lose them and you still don’t have a job? Try not to panic, there are resources available to help.
Unemployment benefits are intended as a temporary measure to help you financially when you are between jobs. Generally, unemployment benefits last up to 26 weeks. However, the duration of benefits can vary depending on your state.
In times of high unemployment, the federal and state governments may extend unemployment benefits. However, there are limits to how many weeks are available. That means there’s a chance your benefits might run out before you secure new employment.
What should you do if you are worried about your unemployment benefits running out? There are steps you can take to protect your finances, even when you are unemployed.
Which Unemployment Programs Ended On Labor Day Weekend
Under the CARES Act and American Rescue Plan, unemployment benefits became more generous, easier to access, and longer-lasting to help mitigate the economic impact of COVID-19. These enhanced benefits were provided by three major programs that ended on Sept. 6:
- Pandemic Unemployment Compensation : $300 per week federal supplement that has been paid in addition to full state benefits
- Pandemic Unemployment Assistance : Benefits for workers not usually eligible for unemployment insurance, such as self-employed workers, freelancers, and other gig workers
- Pandemic Emergency Unemployment Compensation : Assistance for those who are still unemployed after exhausting their state benefits in many states, standard unemployment insurance lasts for 26 weeks
The expiration of extra federal benefits largely doesnt affect traditional state unemployment programs. However, after Sept. 6, certain states with higher unemployment rates and smaller benefits may feel the loss of federal benefits more acutely.
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Are There Other Relief Programs Available
Enhanced unemployment benefits are no longer available, but there are other COVID-19 relief programs that you can lean on right now for help.
- Ask your mortgage lender about COVID-19 forbearance if you own a home and cant cover your mortgage payments. The deadline to apply is Sept. 30.
- If youre struggling to pay rent, start a dialogue with your landlord and check out these rent-relief resources. Some states are still offering utility assistance, too.
- Student loan payments and interest are on pause through Jan. 31. Take advantage of these upcoming months to save any money that typically goes toward your student loans.
- If youre struggling to cover the cost of child care, you may get assistance through local and state programs.
- If you cant afford groceries, you may be able to qualify for Supplemental Nutrition Assistance Program , which is commonly referred to as food stamps. There are also food assistance programs specific to children, women, and seniors.
- Talk to your credit card issuers and lenders to see if you can lower your interest rate, settle your debt, or qualify for any pandemic-related relief or forbearance programs.
- You may qualify to receive Child Tax Credit payments of up to $3,600 per eligible child. Theyre intended to help parents cover the costs of raising children, but there are no restrictions on what families can do with the money. If you qualify, our favorite personal finance experts who also happen to be parents shared six ways to best use the credit.
How To Get Help
Plenty of states that cut federal unemployment checks early offered a one-off bonus for those who returned to work earlier in the summer.
Bonuses typically ranged from around $500 to $2,000 – but the eligibility criteria varied.
It’s worth checking if these bonuses are still available where you live.
Some states are also offering extra support for other costs associated with going back to work.
Arizona, for example, will provide three months’ of childcare help for workers with kids who return to work after a period of unemployment.
To make your job application more competitive, it could also be worth looking for free online training courses to sharpen your skills and CV.
We explain how to go back to work and keep unemployment benefits.
If you’re struggling to find a job, some workers may be eligible for extra support by moving over to extended benefits .
This is a federal funded aid program that kicks in depending on your state’s unemployment rate.
EB generally offers an extra 13 to 20 weeks of jobless aid, as long as you didn’t already use up your EB weeks earlier on in the pandemic.
We also reveal how to get other support including food stamps, student loan relief and help for renters.
Extra Unemployment Benefits To End From Tomorrow How To Get Help
- Alice Grahns, Senior Digital Consumer Reporter
- 5:39 ET, Sep 3 2021
MILLIONS of Americans are set to lose unemployment benefits from tomorrow.
The federal programs officially end on September 6, but the cash support will actually stop this weekend due to administrative state rules.
These ban states from paying partial weeks, meaning the last payable week of benefits will be the one ending September 4 or 5, depending on state.
Its estimated that around 7.5million Americans will lose aid entirely when the payments – worth $300 extra a week – come to an end.
Meanwhile, millions more will see a reduced benefit payout each month.
The blow comes as more than two dozen states ahead of the September expiry date, with some as early as June.
A handful of states were then ordered to bring back the cash following successful lawsuits.
Some governors had claimed the benefits were overly generous and contributed to complaints from employers who couldn’t fill job vacancies.
Check On Extended Benefits
First, check with your state unemployment office to ensure you are receiving all the benefits you qualify for. During periods of high unemployment, the federal government may provide funds allowing the states to expand unemployment benefits.
The U.S. Department of Labor provides a website to help you locate your state’s unemployment insurance office.
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What To Do When Unemployment Benefits End
Additional laws and benefits have been created to extend and change some unemployment protections. For more details and an overview of the current law, read How Unemployment Benefits Are Changing in 2021.
If you’re one of the millions of Americans receiving unemployment due to the COVID-19 pandemic, you may already know that some of the COVID-specific benefits have changed in past months.
In March 2020, the Coronavirus Aid, Relief and Economic Security Act increased funding for unemployment and expanded the group of eligible recipients. These relief measures addressed the sharp spike in unemployment due to the pandemic, but each change has an expiration date.
The CARES Act also outlined the temporary changes to unemployment insurance in addition to other economic reliefincluding mortgage forbearance, suspension of federal student loan payments and a one-time stimulus payment.
Keep Up With The News On Benefit Changes
Congress has and may continue to announce extensions and changes to these programs so its important to continue monitoring changes and stay in contact with your local unemployment office to monitor your eligibility.
If you’re unsure when your benefits end, check with your state’s unemployment office for more information. You can find the contact information for your state’s department of labor here.
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How To Submit Your Proof Of Employment
PUA claimants should submit their proof of employment using TWCs UI Submission Portal. Select DUA Proof of Employment at Time of Disaster from the Type of Submission drop-down menu. For more information see Sending TWC Proof of Employment.
If you cannot use the online portal you can submit the proof by fax or mail. Due to the heavy volume of mail, processing the proof received by fax or mail will be delayed.
Mail or fax proof of employment to:
Texas Workforce Commission
Acceptable forms of proof of employment include:
- paycheck stubs
- earnings and leave statements showing the employers name and address
- bank records if your paycheck was direct deposit
- W-2 forms
- Income tax return for the applicable tax year, must include the IRS Tax Form 1040 and schedule C, F, or SE
Proof of Self-Employment
Acceptable forms of proof of self-employment include:
- state or federal employer identification numbers
- business licenses
- business receipts/invoices
- signed affidavits from persons verifying the individuals self-employment
- Income tax return for the applicable tax year, must include the IRS Tax Form 1040 and schedule C, F, or SE
- bank statement
Acceptable proof of prospective employment includes one of the following:
- letters offering employment
- statements/affidavits by individuals verifying an offer of employment.
Proof of Prospective Self-Employment
Acceptable proof of prospective self-employment includes one of the following:
Pandemic Unemployment Benefits End In Wyoming
On June 19, Wyoming officially ended federal unemployment benefits the state had been giving out from the CARES Act, and the Continued Assistance to Unemployed Workers Act of 2020.
When governor Mark Gordon announced the decision in May, he said it would be done as a way to get people back to work, as he felt people were not seeking jobs because of the money given to them by the government.
While there is some evidence that increased unemployment is caused by increases in government aid, there are also studies reaching the opposite conclusion, that increasing assistance decreases unemployment.
Robin Cooley, director for the Wyoming Department of Workforce Services, said with the state opening back up, ending the federal benefits is key towards restarting the Wyoming economy.
“We’ve got summer tourism season that we need employees for, and this kind of recognized that, in not waiting till September. We need employees out there on jobs for the summer tourism season. I think there was a lot of that that factored into that calculus.”
From March 2020 to June 2021, Cooley said the state gave out over $545 million in unemployment benefits to workers in Wyoming, which she said may have been a part of what influenced some companies to increase how much they paid workers, like a business in Cody offering $1,000 for people to stay during the summer.
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Despite The Early End Of The Federal Unemployment Benefits Open Job Positions Higher Compared To Last May
South Carolina was among the states that decided to cut the weekly federal unemployment benefits earlier than their initial end date in an effort to help local businesses with the labor shortage.
The announcement for the end of the federal help was announced on May, but the help was cut in June. But did this help?
The numbers show that Palmetto State is currently seeing higher number of open job positions compared to May when Gov. McMaster announced South Carolina will end the unemployment weekly help earlier than their end date.
According to the available data, South Carolina currently has around 107,000 open job positions which is 25,000 more compared to last May when South Carolina had 81,684 open job positions.
Despite the fact that numbers are showing no positive effect from cutting the federal weekly benefits earlier, the Department of Employment and Workforce claims these additional job vacancies show the decision to end the federal benefits was the right one.
âItâs a sign that the strategy did work,â SCDEW Executive Director Dan Ellzey said.
âYouâve got the economy firing on all cylinders. Youâve got people coming back to work â hundreds and hundreds of thousands have gone back to work in the state of South Carolina. So there is no doubt â there are many factors â but there is no doubt the elimination of the federal benefits did push people earlier to getting out and going back to their old jobs.â
Will Unemployment Be Extended Again In Some States
No state has decided to continue issuing $300 checks beyond the federal deadline.
Republicans have argued that extended unemployment assistance was contributing to the ongoing labor shortage across the country.
While the unemployment rate is currently 5.2% well under the record high of 14.7% at the height of the pandemic amid record layoffs and shelter-in-place orders many have criticized the slowing speed of economic recovery.
About two-dozen Republican-led states had cut off enhanced unemployment benefits earlier in the summer: Alabama, Alaska, Arizona, Florida, Georgia, Idaho, Iowa, Louisiana, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia and Wyoming.
Governors in these states claimed that residents were not taking available jobs because they preferred to collect unemployment instead. The federal minimum wage has remained at $7.25, which is about $314 a week a few dollars over what jobless Americans were collecting.
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Create An Action Plan
If you are close to losing your unemployment benefits, you need to create an action plan to fall back on.
The best time to trim expenses and find resources is while you still qualify for unemployment. Make a plan now, and you can save yourself additional stress later.
The longer youre unemployed, the more challenging it can be to get your finances in order and find work, but there are resources available to help long-term unemployed workers.
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“The federal government does not allow benefit payments to be made for weeks of unemployment after Sept, 4, even if you have a balance left on your claim at that time,”according to California’s Employment Development Department.
The so-called benefits cliff will impact more than 11 million people who are poised to lose aid entirely or see a smaller check each week, according to estimates from the Century Foundation.
Federal lawmakers passed legislation twice in the past year to avert a benefits cliff, so another extension seems unlikely.
“I don’t think there’s any appetite for that,” Urban Institute labor economist Wayne Vroman said. “I think given the strength of the recovery and the labor market recovery, there’s basically no possibility of that happening.”
If Congress doesn’t act, federal benefits will cease for the self-employed, gig workers, long-term unemployed and others typically ineligible for state benefits. A $300 weekly benefit supplement will also end.
Twenty-six states ended federal benefits in June or July, well before their Labor Day cutoff.
The state governors, primarily Republican, cited labor shortages, claiming enhanced benefits were keeping people from looking for work. Research published in recent weeks suggests benefits played a muted role in any lack of workers, however.
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