What Happens When My Unemployment Money Runs Out Texas

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En español | It's been more than a twelvemonth since the coronavirus pandemic exploded in the United states of america. That'south a milestone with serious fiscal consequences for the more than than three million workers historic period 50 and older who have lost their jobs during this crisis.

While the rules for collecting unemployment insurance vary by land, in many of them, the maximum length of fourth dimension a person tin collect regular benefits is 26 weeks — or roughly six months. That means many people who haven't been able to observe jobs to replace ones they lost this twelvemonth are now discovering that they too are losing their unemployment benefits. Simply 3 programs can assist eligible individuals continue to receive crucial fiscal assistance, as long every bit they know these options exist and take activity to enroll.

Once you run out of weeks to collect benefits through your land's regular unemployment insurance program, you become eligible for federal Pandemic Emergency Unemployment Compensation (PEUC), a program that stimulus legislation created this year. When those benefits run out, you lot may be able to collect Extended Benefits (EB), another federal plan designed to help states during periods of high unemployment. And yet some other program created by coronavirus stimulus legislation, Pandemic Unemployment Assistance (PUA), could offering y'all a few more weeks, once your time to collect other benefits is up.

The types of benefits you are eligible for will depend on the policies in the land where y'all worked and the atmospheric condition of your previous employment, then brand certain to hash out all of your options with that land's employment agency. Here'southward what y'all should know about how each program could extend the number of weeks yous can collect benefits:

Pandemic Emergency Unemployment Compensation

Nether the stimulus legislation enacted terminal year, people can get benefits for up to 79 weeks after their regular eligibility thanks to a program called Pandemic Emergency Unemployment Bounty.

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 give them information about how to apply," says Michele Evermore, former senior policy analyst at the National Employment Police Project who at present works equally a senior counselor on unemployment insurance for the U.S. Department of Labor. "But from what I'chiliad hearing, that'south not happening in every state. Unfortunately, during this pandemic, we've plant that you have to exist incredibly persistent to actually access the benefits you're owed."

Whether or non a state sends out notification, unemployed workers practise have to apply to receive PEUC benefits. That means you lot should be proactive and make sure to consummate whatever process your state requires, Evermore says. The PEUC awarding could exist equally elementary equally checking a box on paperwork you already have to complete regularly to continue to receive your usual weekly benefits. Or it could be an additional form you lot have to complete on your state'south unemployment website. Exist sure to check with your country agency to find out what you need to do to receive PEUC.

The eligibility requirements for PEUC are the aforementioned as your state'due south requirements for regular unemployment benefits, the only difference beingness that you'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 same as 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 virtually states, people who have run out of eligibility for both regular unemployment benefits and PEUC could so authorize for a plan called Extended Benefits. This federally funded program kicks in during periods of loftier unemployment within a state. For example, during the calendar week catastrophe Oct. three, these benefits were available in 42 states, the District of Columbia and Puerto Rico, according to the U.S. Labor Department.

You should automatically transition into EB once y'all'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 qualify for in your country based on your previous income — is a maximum of 13 weeks, but information technology could be longer or shorter depending on the state where you were working. Be sure to contact your land agency if y'all have any questions almost your eligibility for EB.

Pandemic Unemployment Assistance

Congress created this program this year as a style to offer fiscal aid to gig workers and other people who wouldn't otherwise be eligible to apply for unemployment benefits. But if you've used upwardly all of your weeks to collect regular benefits, PEUC and EB, you lot might now qualify to receive PUA.

PUA currently offers its recipients upwardly to 79 weeks of total unemployment benefits through Sept. half dozen, 2021.

Editor's note: This article originally was published on October 23, 2020. It has been updated with more contempo information about when the PEUC and PUA programs will end.

Source: https://www.aarp.org/work/careers/unemployment-benefits-run-out/#:~:text=Once%20you%20run%20out%20of,stimulus%20legislation%20created%20this%20year.

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