How Do You Know if You Are Denied for Unemployment

Unemployment benefits accept become a primary source of temporary income for millions of Americans as the COVID-xix pandemic rages on. But not all unemployment claims get accepted. If you don't fulfill your state's criteria for qualification, it tin can deny you lot, potentially leaving yous without needed income.

There are various reasons for this, including some that aren't so obvious. Here's a closer look at five of the most common reasons your unemployment awarding might be denied and what y'all tin do if it is.

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one. Y'all didn't earn plenty money during your base flow

Almost states decide your unemployment eligibility by looking at your earnings during a base menstruum. This is normally the first four of the five most recently completed fiscal quarters. Then if y'all applied for unemployment in March 2020, that means information technology's looking at your income from October 2018 to September 2019, and if y'all employ in April 2020, it'southward income generates from January to December 2019.

You'll likely need to bear witness you had taxable income in at least 2 of the iv quarters during the base period. Some states volition consider an alternative base period, usually the almost recent four completed quarters, if you aren't eligible for unemployment based on the traditional base of operations period. The exact minimum amount you demand to earn in your total base period varies by state, and this also dictates the size of your unemployment checks.

If you didn't earn enough money during the base period, highly-seasoned your decision likely won't assist, then you will have to explore other options to brand ends encounter, like the tips below.

2. You didn't earn enough coin in your high quarter

In add-on to the base-period earning requirements, some states require you lot to earn a sure minimum amount in the highest-earning quarter of your base menses. Again, the exact requirements vary by state, and your high-quarter earnings can dictate the size of your benefits. If you don't come across the minimum requirements, y'all'll have to seek out other forms of support.

three. You left out some data on your application

Your country unemployment office may believe you didn't encounter the earnings requirements if yous failed to submit all the necessary information with your application. If you forgot to listing one of your employers from the last 18 months, for example, the unemployment office may not count the coin you earned at this job toward your base-period earnings, causing it to deny your awarding.

In this case, y'all tin dispute your denial and provide the additional data that you had forgotten to include the starting time time effectually. It will accept some time to re-procedure the application, though, so you're better off double-checking that you've included all of the relevant information on your first awarding.

four. Your company is giving you paid sick leave or family leave

You don't qualify for unemployment if your visitor is still paying you for sick leave or family exit during the COVID-19 pandemic. If you utilise while receiving this assist, your application volition be denied. Even so, you may be eligible for unemployment one time this paid leave runs out if you lot are not able to return to piece of work.

5. Yous quit for reasons other than COVID-xix

You're not normally eligible for unemployment benefits if you quit your job, though the federal government has made an exception for those who quit due to the COVID-xix pandemic and so people aren't forced to choose betwixt their financial security and their wellness. But if you quit for another reason, you should make sure you take another source of income lined up considering you won't be able to count on unemployment.

How to dispute your unemployment claim denial

You should receive a written discover subsequently you've applied for unemployment indicating whether your awarding has been accustomed. If information technology'due south been denied, the notice should explicate why. You may entreatment this decision if you believe the reason for the denial was inaccurate.

Your denial observe should contain instructions on how to appeal. Ordinarily, you must file your entreatment within a sure number of days from the date your denial discover was mailed to y'all. Your state may enable you to file your appeal online or it may require information technology in writing. Once the state has received your appeal, it volition reach out to you with data on the next steps to take.

Other sources of financial assistance during the pandemic

If you don't qualify for unemployment, y'all may still be entitled to a government stimulus check. This amounts to $1,200 for single adults who earn $75,000 or less, or $2,400 for married couples who earn $150,000 or less. Families also get $500 each per qualifying child.

You can also seek out new full- or function-time employment during the pandemic. Grocery stores are a skilful place to plough to right now considering they're seeing much higher demand than normal. Yous could also consider becoming a nutrient delivery driver or working for a cleaning service. If you're concerned about leaving your home, expect into work-from-home opportunities instead, like virtual assisting.

Check with your bank, credit card issuers, and service providers to see if they are offering whatsoever hardship assist to those affected past COVID-19. These programs enable you to defer payments without racking up belatedly fees or damaging your credit, but your residue will continue to accrue interest, meaning you'll owe more money overall. Still, information technology tin ease your fiscal stress a little fleck during these challenging times.

Yous should definitely look into unemployment benefits if you believe you qualify, just if your claim is denied, yous have other options. Try appealing your denial or explore some of the other suggestions listed here.

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Source: https://www.fool.com/personal-finance/2020/04/23/5-reasons-your-unemployment-claim-was-denied.aspx

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