Unemployment Insurance in the United States can save families a lot of financial hardship. It provides an opportunity to search for a new job and stay afloat during a very difficult time. However you might be wondering what happens when your claim runs out, and what you should do if you need to reapply. The rules on how to refile for unemployment after your claim runs out can be confusing, so let’s take a look at all the options.
It’s difficult to speak in general terms about unemployment benefits in the United States because each state has a unique set of rules. How long you can collect unemployment varies by state, but in most states you’re able to receive benefits for 26 weeks. This number is higher or lower in certain states. For example, in Massachusetts you can collect benefits for up to 30 weeks but in Missouri you can only collect benefits for up to 13 weeks. Some states like Idaho even regularly change the length of time you can collect benefits based on the current unemployment rate of the state.
Refiling for unemployment benefits after your claim runs out can be tricky. This is because you are unable to file using the same claim twice. For example, if you collect unemployment for the maximum 26 weeks in your state, you will not be able to file again using this claim when it expires. You’d have to start the process all over again and reapply for unemployment benefits from the beginning. This would require either filling out forms online or going to your local unemployment office just like you did the first time you filed your claim.
Furthermore, you’ll need to have worked in between the end of your last claim and the beginning of your new claim to be accepted for unemployment a second time in most states. For example, if you collect unemployment for 26 weeks and your claim ends, you’ll need to find a new job and work at least the minimum amount of time required by unemployment if you want to be eligible for benefits again.
The amount of time states require you to work before being eligible for unemployment varies by states, but generally you can expect to have to work at least two “quarters” of the year before you can qualify. This means you’ll probably have to work around six months between the end of your last claim and the beginning of your new claim to successfully refile for unemployment benefits.
States do not restrict how often you can apply for unemployment benefits. There are no rules about applying for unemployment claims too often in a short period of time. It’s perfectly legal to work for half a year after your first 26 week unemployment claim ends and then apply for benefits again.
At certain times of national financial hardship, the federal government also has a program called Emergency Unemployment Compensation (Also known as EUC). Although EUC requests haven’t been accepted since August 3, 2014, this may change in the future. When unemployment extensions are available through the federal government, they allow you to claim benefits for up to 73 weeks. This can be extremely helpful for people who are unable to find a new job after their 26 weeks of unemployment has run out.
The best thing about an unemployment extension is that it saves you the trouble of having to refile your claim. When you refile the claim it has to be re-accepted which can be a troublesome process. It’s also a pain to have to gather all your personal information and your employer’s information to fill out the paperwork. If you’re thinking of refiling your claim during a time when unemployment extensions are available, an extension is a much better choice.
Refiling for unemployment can be tricky, but if you’ve already been through the process once it gets a lot easier the second time. All you need is some basic information and some free time. Unemployment benefits do an excellent job at alleviating the burden of job loss for you and your family. By carefully researching the rules of unemployment in your state you can make sure you receive the benefits that you deserve.
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