Friday, February 14, 2020

Filing an Unemployment Insurance Claim

Although each state has the ability to set forth specific rules and regulation, there are two requirements that all unemployed individuals must satisfy regardless of where the claim is filed:

The employee must not be the cause of the unemployment. In other words, if the employee was fired because he did not live up to his job obligations and duties thus causing his own termination, the employee is not eligible to collect unemployment benefits.

The employee must have been gainfully employed for a certain period of time (as determined by the state) prior to filing for unemployment benefits. Employees who have only held a job for a period of a week or a month cannot claim benefits from unemployment insurance.


Filing the Unemployment Insurance Claim

Once an employee has been terminated and satisfies the above-mentioned criteria, he should begin the claim filing process as soon as possible.

Gather the pertinent information. In addition to obvious information such as name, address, etc., be sure to have the name, address, contact information of the former employer. It is also important to have the beginning and end dates of employment. If there were several employers in a short period of time, be sure to have the necessary information for each employer.

Contact the Unemployment Insurance agency for the state in which individual was employed. The Careeronestop.com website has a map which links to information for each state’s unemployment insurance program. In cases where the individual worked in a state other than the state of residence, the unemployment benefits are usually paid by the state in which the individual worked. In cases where the individual worked in several states, contact the unemployment insurance agency for the state of residence. They will be able to provide information on where to file the claim.
Confirm the waiting period. Find out exactly when the insurance benefits will begin. Some states institute a one week waiting period so it may take a few weeks before receiving benefits.

Ensuring Continued Unemployment Insurance Benefits

One half of the battle is filing for the unemployment benefits. The other half of the battle is ensuring the benefits continue on a regular basis until a replacement job is found. Under normal circumstances, unemployment benefits can last up to a maximum of 26 weeks. However, in times of high unemployment, the benefits may be extended. To continue receiving the benefits, the claimant must follow the procedures as set forth by the state which usually includes:

Reporting weekly or bi-weekly. States need to know whether or not the claimant is actively seeking employment or has found a new job. Therefore, it is necessary to file weekly or biweekly claims. The filing process is usually can be done online in most states.

Showing up when required to report to the Unemployment Insurance claims office. States offer back to work information and employment services to help displaced workers find new jobs. Not attending scheduled appointments may cause the recipient to lose unemployment insurance benefits.
Taxation of Unemployment Insurance Benefits

The benefits, which usually amount to a percentage of the pre-unemployment annual salary, are taxable. The claimant has the option of having the taxes withheld by the state on a per check basis or receiving the gross amount and only to pay the taxes by the April 15th tax filing deadline. Either option is acceptable to the Federal government just as long as the taxes are paid.

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