Can I Reapply for Unemployment When It Runs Out?
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En español | It'south been more than a year since the coronavirus pandemic exploded in the United states of america. That's a milestone with serious financial consequences for the more than 3 million workers age l and older who take lost their jobs during this crunch.
While the rules for collecting unemployment insurance vary by land, in many of them, the maximum length of time a person can collect regular benefits is 26 weeks — or roughly six months. That ways many people who haven't been able to find jobs to replace ones they lost this yr are now discovering that they besides are losing their unemployment benefits. Just three programs can aid eligible individuals go on to receive crucial financial assistance, as long as they know these options exist and take action to enroll.
One time you run out of weeks to collect benefits through your land'due south regular unemployment insurance program, you get eligible for federal Pandemic Emergency Unemployment Compensation (PEUC), a program that stimulus legislation created this twelvemonth. When those benefits run out, y'all may exist able to collect Extended Benefits (EB), another federal programme designed to help states during periods of high unemployment. And yet another programme created by coronavirus stimulus legislation, Pandemic Unemployment Help (PUA), could offer you a few more than weeks, once your time to collect other benefits is upward.
The types of benefits y'all are eligible for volition depend on the policies in the state where you worked and the conditions of your previous employment, so make certain to discuss all of your options with that state'due south employment agency. Here'south what you should know nearly how each program could extend the number of weeks you lot can collect benefits:
Pandemic Emergency Unemployment Compensation
Under the stimulus legislation enacted final yr, people can get benefits for up to 79 weeks later on their regular eligibility thanks to a program called Pandemic Emergency Unemployment Compensation.
But in many cases, the transition from regular benefits to PEUC hasn't been seamless, and many people appear to be missing out on money for which they are eligible.
"States are supposed to inform workers when they fall out of regular unemployment insurance that they are eligible for PEUC and requite them information virtually how to apply," says Michele Evermore, one-time senior policy analyst at the National Employment Police force Projection who now works as a senior advisor on unemployment insurance for the U.Southward. Section of Labor. "Merely from what I'thou hearing, that'southward non happening in every country. Unfortunately, during this pandemic, we've found that yous have to be incredibly persistent to actually access the benefits you're owed."
Whether or not a state sends out notification, unemployed workers do take to utilise to receive PEUC benefits. That means you should exist proactive and make sure to complete whatever process your state requires, Evermore says. The PEUC application could be as simple as checking a box on paperwork you lot already take to consummate regularly to continue to receive your usual weekly benefits. Or it could be an additional form you have to complete on your state'south unemployment website. Exist sure to check with your state agency to notice out what you need to practise to receive PEUC.
The eligibility requirements for PEUC are the same equally your state's requirements for regular unemployment benefits, the only deviation being that yous've run out of eligibility for the latter. PEUC is paid for by the federal government and the amount of your weekly PEUC benefits should exist the aforementioned every bit your regular state benefit, including the additional $300 from the federal government. The PEUC programme currently is scheduled to end the week of Sept. 6, 2021.
Extended Benefits
In most states, people who have run out of eligibility for both regular unemployment benefits and PEUC could and then authorize for a programme called Extended Benefits. This federally funded program kicks in during periods of high unemployment within a land. For example, during the calendar week ending October. 3, these benefits were bachelor in 42 states, the District of Columbia and Puerto Rico, co-ordinate to the U.S. Labor Department.
Yous should automatically transition into EB in one case you've exhausted your eligibility for both regular benefits and PEUC, Evermore says. The most mutual duration for collecting EB — which pays a weekly benefit equal to what you typically authorize for in your state based on your previous income — is a maximum of 13 weeks, just it could be longer or shorter depending on the state where you were working. Be sure to contact your state bureau if you have any questions about your eligibility for EB.
Pandemic Unemployment Assistance
Congress created this programme this year equally a manner to offering financial assistance to gig workers and other people who wouldn't otherwise be eligible to utilize for unemployment benefits. But if you lot've used up all of your weeks to collect regular benefits, PEUC and EB, you might at present authorize to receive PUA.
PUA currently offers its recipients up to 79 weeks of total unemployment benefits through Sept. 6, 2021.
Editor's note: This commodity originally was published on October 23, 2020. It has been updated with more recent information about when the PEUC and PUA programs will end.
Source: https://www.aarp.org/work/working-at-50-plus/info-2020/unemployment-benefits-run-out.html
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