Learn More About Benefits for Unemployed Workers
The Unemployment Insurance program offers monetary unemployment benefits to qualifying workers who are unemployed or underemployed through no fault of their own. Overseen by the U.S. Department of Labor, the UI program is operated through state agencies under federal guidelines.
UI was created in 1935, it is a form of social insurance in which taxes collected from employers are paid into the system on behalf of working people to provide them with income support if they lose their jobs.
The system also helps sustain consumer demand during economic downturns by providing a continuing stream of dollars for families to spend.
It is important to learn more about the Unemployment Insurance program, including eligibility standards that you must meet to receive benefits, the benefits you will likely receive and how to submit an application.
Qualification for Unemployment Insurance Facilities :
Unemployment Insurance benefits are available to qualified former workers as they search for new employment opportunities. The assistance package is designed to help an unemployed worker to bridge that gap between jobs while meeting their financial needs.
Unemployment Insurance program exists within every state in the United States, but the state programs may vary from one another due to the freedom that state agencies are granted to design:
1. Eligibility Requirements.
2. Benefit Amounts .
3. Benefit Lengths.
So, it is important to have a knowledge about the regulations included within the state in order to verify whether or not you may qualify for benefits. Beside certain factors of eligibility, most of the State UI programs have same qualifying requirements.
1. You must be out of work through no fault of their own. You may not be eligible for UI benefits if your job loss was related to:
– Defying company rules.
– Disclosing confidential information to another company or other third party.
– Performing un-acceptable activity, such as lying or stealing.
– Dis-obeying the law in any way.
– Consuming alcohol or any other type of illicit substance during work hours.
2. You must meet minimum earnings or job tenure requirements. The amount of work completed prior to your first UI claim (referred to as your base period) and you must have made a minimum amount of earnings during that base period. Your base period will generally consist of four calendar quarters.
3. You must be able, available, and actively seeking work.
Generally, the federal government outlines who may qualify for unemployment Insurance grants depending on several major factors. In some cases, you may be considered eligible for UI benefits even if you were terminated for a cause.
It is also worth knowing that not every case of termination is considered to be termination for cause. For example, you can still collect unemployment benefits if the loss of your employment was related to layoffs within your company.
Availing UI Benefits:
To avail the benefits through UI the eligible persons need to apply for it via submitting an application. It is important to submit an application in the state that they were employed regardless of whether or not they live within that state.
Applicant needs to be the part of the State where he applied for assistance, as if the person is working in an other state but applying for assistance in his own residential State then, he may not qualify for unemployment Insurance benefits there.
Procedure To Follow:
In every state UI program defines the methods that applicants may use to file for unemployment benefits. Depending on the state you are filing in, you may be allowed to file your claim:
– In person at your local unemployment agency office.
– Over the phone.
– Online through a registration system that is maintained by the state.
The unemployment benefit’s claim must contain detail information about yourself and your work history. Therefore, you should be prepared to provide:
Personal information: including your name, address and your Social Security Number.
Employment information: including the names and addresses of each of your former employers.
The dates: that you were employed for each listed employer.
When submitting an unemployment benefits claim, it is important to ensure that all of the information that you have provided is truthful and accurate. Inaccurate or false information can cause a delay in the processing of your application or result in a denial of unemployment benefits.
In order to be the first to avail the assistance from UI, it is for most important that you file a claim for benefits as soon as you become unemployed or underemployed. Because some state Unemployment Insurance programs have a one week waiting period before you can collect benefits.
Once approved for unemployment benefits, you can receive benefits up to the maximum number of weeks for your state. The standard length of time that you may be eligible for UI benefits is 26 weeks. However, an extension may be available at the end of the 26-week period during periods of statewide high-unemployment rates.
Your unemployment benefits will not be provided to you automatically. You must renew your unemployment benefits claim regularly following the schedule set by your state.
Typically, you must file a claim on a weekly or biweekly basis. Each time you submit a new claim, you must provide the steps that you took to find new unemployment, any job offers you have received or refused and any income you have earned.
Steps To Take After an Unemployment Benefit Denial:
After you have submitted your initial UI claim, it generally will take up to three weeks for your claim to be processed and for you to begin to receive benefits. However, if your claim is initially denied or contested by your previous employer, it may take longer for you to receive benefits. If you are denied Unemployment Insurance benefits, you have the legal right to an appeal.
Requesting an Appeal:
If someone face denial from UI program and consider himself to be eligible for the assistance, he can request an appeal. An appeal can be requested by the applicant himself or it may be from his previous employer.
If an appeal does not ensure a different decision on their case, it may offer a chance to present evidence by them or their employer. Because denial letter will also include the reason why he was denied for unemployment benefits as well as the date that he must submit his appeal.
It is important to brief here that, it will not always be acceptable to appeal on weekly and bi-weekly basis. Everyone should aware of using his right for appealing at the right time.