Navigating the Unemployment Process – Part 2

How to Apply
If you’re ready to apply for Unemployment Compensation, do a quick online search for your state’s unemployment office. There is a wealth of information about the unemployment program available to you on their website, which you should read through before applying. Once you are ready, there are two standard ways to apply – online and via phone. Applying online is the most efficient way to go here. When unemployment is high, it can be difficult to get through to the automated phone systems due to heavy call volume. Filing online allows you to gather the documents you need and complete the application at your own pace. Application by mail is still available in some states, but allow additional time for your application to be processed manually.

Helpful documents to have during the application process:
Social Security Card
Driver’s License
Final pay stub from your most recent employer
Pay stubs from any previous employers in the past 12 months

Your weekly unemployment benefit amount is determined by how much you earned in the year before being unemployed. The fiscal quarter in which you earned the most during the past 12 months will be used to determine your benefits, so don’t worry if your income fluctuated during this time. Having pay stubs handy will make the application process easier and will enable you to report your earnings as accurately as possible. Make sure to report gross earnings, not net.

After the Application
You should expect to receive your first check within three to four weeks of submitting your application. Within 10 days of applying, you will be notified of your weekly benefit amount (how much you will be paid each week in unemployment) and the duration of time you qualify for said benefits (how long they will pay you). Shortly after receiving this information, you should see your first W-4V form, which essentially serves the same purpose as a time sheet. You will be asked a series of questions on this form, as the government wants to know if you were willing and able to work during the two week period, and if you searched for employment. This is also where you can ask for federal taxes to be withheld from your check. This form should be mailed on the final day of the time period that it covers – do not mail it in early! Within ten working days, you should receive payment.

Beyond the First Check
Additionally, you will most likely be required to appear at your local unemployment office to participate in workshops or other seminars that will help you with your job search. You may also need to be available for phone interviews. Do not fail to appear to these, as it could mean a pause in or termination of your benefits.