How to Avail Unemployment Benefits


Unemployment benefits are financial assistance provided by the federal government to individuals who lost their jobs or are temporarily unemployed. These financial benefits are provided to help unemployed citizens pay for their living expenses until they find a new job to support themselves.

Unemployment benefits are part of the protection provided by the Social Security Insurance program under the laws and mandates of the federal government. Not all unemployed citizen or workers are eligible for these benefits.

Eligibility

The government has set out scope and parameters that will define the qualifications of an eligible unemployment benefits claimant.

  • The reason for being unemployed should be valid or inevitable and not just because of the whims of your own desire. Being removed from the job because the company’s downsizing  or is already closing down are some of the situations that can be considered
  •  Must be qualified to get a new job and is actively seeking new employment. You have to be both physically and mentally competent, ready to take on any suitable employment made available your way. You have to have made at least two job applications in a week to qualify as somebody who is actively seeking for a new employment.
  • Must not be involved in any income generating or profit generating activity starting from the day you were declared unemployed.

Application

After you determine that you are an eligible unemployment benefits claimant, your next step would be to process your application.

  • First, you have to find the unemployment benefits agency in your state, which can be done online.
  • Your unemployment application can be submitted online with follow up interview done through the telephone.
  • Prepare compiled records of previous job applications that you have done from the time you were officially declared unemployed. This will help prove that you have been continuously seeking for a new employment, which is one of the essential prerequisites when claiming for unemployment benefits.

Benefits

After you file your unemployment benefit applications, you can finally proceed to understanding how your benefits will be computed.

The amount of your unemployment benefits depend on the amount of your previous wages before you became unemployed. This detail is usually computed right after you file for your unemployment claim.

The MBA or maximum benefit amount that you can avail for the entire duration of your unemployment benefit year will be given to you in increments, within the span of twenty six weeks.  Twenty six weeks is the maximum number of paid weeks that you can get from your unemployment claims.

However, there are times when the unemployment rate is significantly high and finding a new job can be very difficult. During this situation the beneficiaries are allowed to file for an extension which can give them up to 13 additional paid weeks, if approved.

Unemployment Benefits Payment

Unemployment benefits’ payments are made through the state’s unemployment system. Your benefits will be remitted to you based on the payment preference you chose when you initially applied for unemployment benefits.

The remittance option includes manual bank deposit and payment through debit card. You can choose from these two, whichever is more suitable for you. Remember, that you have to regularly file for payment requests during the entire duration of your unemployment benefit. You have to file at least twice every two weeks to keep the payments coming.

Disqualification

  • Dismissal from work due to your inappropriate behavior, poor performance, AWOL and other reasons where you are the one at fault can disqualify you from availing unemployment benefits.
  • Involvement in labor dispute hearings
  • Insufficient earnings can cause disqualification from unemployment benefits. The government has set minimum earnings that you have to meet in a given period of time. Failure to satisfy this set amount can disqualify you from availing unemployment benefits.
  • Keeping a part time job does not disqualify you from the program, but it can affect the MBA that will be given to you for your unemployment benefits.
  • Disqualifications from unemployment benefits program are not always final. Upon disqualification you will be given a time frame when you can file an appeal to change the government decision regarding your case. During this period you will be asked to prepare additional evidence that can disprove the case presented against you.

Getting unemployment benefits is a right of every qualified unemployed worker. Understanding how and when you can avail these benefits will not only keep you from getting disqualified from the program but can also help save you from distress during times of unemployment.

 

 



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