Unemployment Insurance In The USA
Insurance Companies
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Useful Links
| US Dept of Labor | US Goverment Site detailing all your rights and requirements for claiming unemployment insurance. |
| Insure.com | Large directory of Insurance Companies in the USA |
| Allstate.com | All types of Insurance products and financial services covered |
| Prudential | One of the world's largest insurers |
| Nationwide | Large diversified insurance and financial service provider |
As a rule, the Federal-State Unemployment Insurance Program will
provide unemployment benefits to eligible workers who have been made unemployed
through no fault of their own (as determined by State law),
and meet other eligibility requirements of State law.
- Unemployment insurance benefits are intended to
provide temporary financial assistance to unemployed workers who
meet the aforementioned requirements of State law.
- Each State administers a separate unemployment insurance program
adhering to guidelines established by Federal law.
- Eligibility for unemployment insurance, the amount of benefit paid, and
the length of time benefits are available are determined by the
State law under which unemployment insurance claims are established.
- In the majority of States, benefit funding is financed solely on
a tax imposed on employers. (Three States require minimal employee
contributions.)
Eligibility For Benefits
1. You must meet the State requirements for wages earned or time
worked during an established (one year) period of time referred to
as the "base period". (In most States, this is usually the first four
out of the last five completed calendar quarters preceding the
claim being filed.)
2. It must be determined that you have been made unemployed through no fault of
your own (determined under State law), and meet other eligibility
requirements of the State law.
How to Claim
- You should contact the State Unemployment Insurance agency as
soon as possible after becoming unemployed. In some States, you can
now make a claim via telephone.
- It generally takes two to three weeks after your claim is filed before
you will receive your first benefit check. Some States require a one-week
waiting period; therefore, the second week claimed is the first week
of payment.
- When you file the claim, you will be asked certain questions,
such as address and dates about your previous employment. To make
sure your claim is not delayed, be sure to give the complete and accurate
information.
Ongoing Eligibility
- You must file weekly or biweekly claims (after the week(s) has
ended), and respond to questions concerning your continued
eligibility. You must report any earnings from work you had during
the week(s). You must also report any job offers or refusal of work
during the week. These claims are usually filed by mail or
telephone; the State will provide you with filing instructions.
- When directed, you must report to your local Unemployment
Insurance Claims Office or One-Stop/Employment Service Office on
the day and at the time you are scheduled to do so. If you fail to
report as scheduled for any interview, benefits may be denied.
- You must continue to meet the eligibility requirements stated
in the previous section.
Registering For Work
- Claimants who file for unemployment benefits may be directed to
register with the State Employment Service so that it can
assist you in finding employment. If you are not required to
register, you still may seek help in finding a job from the
Employment Service.
- The One-Stop/Employment Service Office has
information about the current labor market and provides a wide variety of re-employment services
free of charge.
- Employment Service staff can refer you to job openings in your
area, or in other parts of the State or country if you are willing
to relocate.
- They can offer you various training programs.
- If job openings in your field are at a premium, they can offer
testing and counselling to find out whether there are different careers
that you are able to pursue.
- If you believe you have special needs or considerations, such
as physical needs or other factors, which may prevent you
from getting a job, they can refer you to other agencies for help
with those problems.
Disqualification from Eligibility
- If your reason for severance from your last job is due to some
reason other than a "shortage of work", a determination will be made
about whether you are still eligible for benefits.
- Generally all determinations of whether or not a person is
eligible for benefits are made by the relevant State under its own
law or applicable federal laws.
- If you are found to be ineligible and are disqualified/denied benefits, you have the right to
file an appeal. The State will advise you of your appeal rights.
You must file your appeal within an established time frame. Your
employer may also appeal a ruling if they do not agree
with the State's determination regarding your eligibility.
Benefits
- In general, benefits are based on a percentage of an
individual's earnings over a recent one year period - up to a State
maximum amount.
- Benefits can be paid for a maximum of 26 weeks in most States.
- Additional weeks of benefits may be available during times of
high unemployment. Some States provide
additional benefits for specific purposes.
- Benefits are subject to Federal income taxes and must be
reported on your Federal income tax return. You may elect to have
the tax withheld by the State Unemployment Insurance agency.
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