Navigating Unemployment Benefits

Losing your job is hard enough, so applying for unemployment insurance benefits shouldn’t make it harder. We made a quick guide below to help simplify the process.

Losing your job never happens on time! Housing is expensive, utilities cost a lot, and you still need to eat whether you’re employed or not. Unemployment insurance should be available to you in times like these, so you can receive temporary financial support until your next gig!

Folks might qualify for unemployment if…

• They lost their job through no decision of their own (layoff, hours cut, business closed, etc.)
• They worked long enough to have earned the appropriate amount of wages
• They are willing and able to work again, should they find employment

Some states allow folks to apply for unemployment regardless of how they lost their job, and some states have different requirements for eligibility. 

Starting your application

• Go to your state’s unemployment office website. If you’re not sure how to contact them, search for the office in the Department of Labor’s directory linked here.
• Fill out the online application form either at home or in one of your state’s local offices. Most of them will be equipped with computers, if you don’t have access to a computer at home. Call your local office ahead of time to ensure that their computers are accessible before you arrive.
• After you submit your application, you must begin filing weekly or biweekly “claims” to let the unemployment office know that you still need the additional funds. You will need to continue to file these claims while your application is being processed.
• Keep checking your mail, your email, and your Unemployment Insurance Benefits application portal until your application is approved or flagged for review.

What happens next?

• If your application is approved, then you should receive your benefits for every week of “claims” you filed. If you provided direct deposit details, you’ll be able to access the funds in your bank account. If you did not, then the method of delivery will vary by state. Reach out to your local unemployment office if you’re unsure.
• If your application is denied, don’t panic! Contact your local unemployment office and ask how to file an appeal. If you decide to file an appeal, just remember that you have to continue filing your weekly “claims” to ensure that those weeks are added to the total amount of unemployment you receive. 
• If you can find some temporary jobs while searching for a permanent role, it may reduce the amount of benefits you receive. You may still be eligible for your weekly funds, so reach out to your local unemployment office and find out what the policies are in your state.

The Fight Ahead

Many of the programs that help renters could face changes or even total shutdown for next year given the current debate in Washington. Working America will be joining our allies in advocating for a fair economy and a government that gives working families what they deserve. Our strength comes from you – our members. Only by acting together can we fight back against the greedy corporations and their friends.

We know that these are uncertain times, and many of us are concerned about the future. Go to workingamerica.org/gethelp for more guides and tips on navigating the economy and preparing for the unknown.