How to Apply for Unemployment Benefits

US unemployment benefits are a form of monetary compensation given to a qualified worker who has become unemployed because of no fault on his or her own. Due to the recent economic recession, many companies have closed down and terminated their employees. In response to this, the US government has created several programs that can provide different forms of assistance to those who are unemployed. If you were recently unemployed due to the recession, here is a guide on applying for unemployment benefits:

Steps in applying for unemployment benefits

Step 1: Determine if you are qualified for unemployment benefits.

To qualify for this benefit, you must be unemployed through no fault of your own. You should also be able to meet the state requirements for time worked and wages earned within a period of time.

Basically, the amount of unemployment benefits you can receive will depend on your covered quarterly earnings that are properly reported. The number of quarters worked and the amount of earnings are used in determining total value of the benefit and for how long you will receive the compensation. You can visit your state unemployment insurance office or check out the official site for more information on eligibility requirements.

Step 2: Get a copy of the application form.

Once you are unemployed, you should immediately contact your State Unemployment Insurance agency. You can get the application form by visiting the government agency, or by printing out the form online. Make sure that you get the correct application form.

Step 3: Fill out the application form.

When filling out the application form, make sure to provide correct and pertinent data. Any misleading information or not providing the right details may make your application void.

Step 4: File a claim.

You can file your claim for unemployment benefits online, by person, or through the phone. When filing a claim, you will be asked about the addresses of your former employers and other pertinent information. This is why you need to come up with a list of your former employers, their addresses, and employment dates.

Step 5: Claim your benefits.

Once your application is approved, it is your responsibility to claim your benefits on a regular basis. You can actually claim your benefits through by phone or through the Internet. If you are required to make an actual appearance at your local unemployement agency, make sure to arrive at the agency on time.

Tips to keep in mind

In order for you to keep your benefits, you must continually look for a new job. You also must not turn down suitable offers during the job hunting process. By actually looking for a new job, you are proving that you don’t plan on solely depending on US benefits during this difficult time. Accepting a part-time job doesn’t mean that you are not eligible anymore for the unemployment benefits. However, if your new job provides you with a salary that goes beyond the income limit as mandated by your state unemployment agency, you may no longer qualify for the benefit.

Related questions:

1. Why do different states have different rules for the unemployed?

2. What if I don’t claim my benefits on time?

3. What are the things that can null my claims?

4. What if I want to complain about my benefits?

5. What other unemployment programs does the US government have?

Related posts:

How to survive unemployment – Tips on surviving unemployment

Budgeting Your Savings – Budgeting your savings while unemployed

Getting out of personal debts – Tips on getting rid of personal debts
Photo Credits: Scott Maxwell

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