Unemployment Insurance is a joint program of the federal government and state government that aims to provide benefits for unemployed workers amidst pandemics.
Under the UI, each state of the United States handles and implements the program or also known as Federal-State Unemployment Program within their respective areas.
The purpose of the Unemployment Insurance (UI) is to provide financial assistance to unemployed individuals in the United States.
The financial assistance from the said program is available to use within the cost of living amidst a pandemic of eligible individuals such as house rent, foods, utilities, or any activities that will benefit them.
Each beneficiary has the freedom to use financial assistance. Moreover, the main objective of the said program is to assist and support unemployed individuals throughout the United States with life stability.
In addition, the federal government of the United States passed laws that will help American individuals to recover from the loss as a result of the pandemic. These laws include the implementation and extension of the Unemployment Insurance (UI).
It started with the Coronavirus Aid, Relief, and Economic Security (CARES) Act last 2020. The Consolidated Appropriations Act of 2021 extended the said unemployment program.
Also, it is extended again from the American Rescue Plan Act of 2021. On the other side, the local state governments manage the Unemployment Insurance under the said laws.
The Unemployment Insurance Program of each state in the United States differs, but they must follow the standard guidelines set under federal law.
Some local state governments provide additional requirements about the benefit amounts, eligibility, and length of time benefits can be paid for the said program.
The U.S. Department of Labor supervises and oversees the implementation of the said program by the local state governments.
Eligible individuals under the said program will receive Unemployment Insurance payments or benefits for 26 weeks every year.
The weekly financial assistance serves as a replacement for the employee’s regular wage. It can be used through a wide variety of activities depending on the beneficiary.
Local state governments fund their respective unemployment programs from the taxes that are being paid by employers.
Individuals who are unable to find work after receiving 26 weeks of unemployment benefits from the Unemployment Insurance program can apply for prolonged unemployment benefits.
These programs provide financial assistance for qualified unemployed individuals.
However, most of these programs already ended last September 06, 2021. There are rumours about the program extensions but the U.S Department of Labor still does not have any announcements or news about it.
The eligibility rules for the Unemployment Insurance (UI) may differ depending on your local state government. However, there are two general qualifications that applicants should meet.
See the details below.
The application process of the Unemployment Insurance (UI) may vary depending on the local state. However, the first step to applying for Unemployment Insurance is to find your state’s program.
Always check your eligibility for the program before applying. Individuals must apply within the state where they are working.
The application can be done through phone calls, state unemployment insurance agency’s website. Upon filing the claim, individuals will ask about personal information and details related to employment.
Avoid providing false information to have a fast process of claiming your benefits. In most of the states, it usually takes 2 to 3 weeks before an individual will receive the first check under the Unemployment Insurance.
Beneficiaries must maintain their eligibility for Unemployment Insurance (UI) to claim their weekly benefits. Individuals that are not able to maintain their eligibility will not receive benefits.
Refer to the list of steps below to maintain your eligibility.
Extended benefits are created and implemented by the U.S federal government to provide additional and supplemental assistance for unemployed individuals amidst the pandemic.
These programs are connected within the Unemployment Insurance (UI).
Refer to the list of extended benefits below.
Federal Pandemic Unemployment Compensation program gives an extra $600 on top of Unemployment Insurance for qualified people.
This program widens the benefits for unemployed individuals. It provides financial assistance for individuals who did not qualify for Unemployment Insurance.
The program expired on September 5, 2021, and paid almost 79 weeks for its beneficiaries.
This program extended the Unemployment Insurance benefits after the exhaustion of the regular unemployment compensation benefits.
Lowe’s Home Improvement is a service provider and a hardware store that started from a small-time hardware store and developed into one of the leading home improvement services in the US.
Rent-to-own homes or also known as lease-to-own homes is a type of contract between the tenant or buyer and the owner of a property. In rent-to-own, the seller is given a certain amount of time to rent the property before s/he will decide to purchase it.
Children’s Health Insurance Program is a service that provides health insurance to children. It was supervised and funded by both the federal government and the local state of the United States.
Emergency dental care for low-income individuals provides assistance for eligible beneficiaries to help them within their oral health. With these programs, individuals can have a check-up and consult a licensed dentist.