How Does Unemployment Work? | How much do you get paid on unemployment?

At some point in your career, you may have to file for unemployment actually you may have stumbled upon this article because you're in that position

now some people are lucky if they never have to file an unemployment claim but as we all know not everyone has the same luck

today I'm going to break down how unemployment works?

who pays for unemployment who can receive unemployment?

and how to apply for unemployment?

How much do you get paid on unemployment?

How long does it take to get money from unemployment? 

so make sure that you read till the end, let's jump right into it

hi everyone welcome back if you're new here I am Anuj and I'm sharing career advice so that you can better navigate 

the professional world and really make an impact so first things first

what is unemployment?

Unemployment is actually insurance so it's really unemployment insurance it's a joint program between the federal and state governments

so the program intends to provide temporary assistance to individuals who were working. it is really a safety net available to you

so when I say it's a joint program I mean the federal government has oversight of the general guidelines of the program

and then each state determines specifics such as eligibility requirements benefits amounts and so on

so who pays for unemployment?

so a common misconception is that your employer actually pays unemployment to you dollar for dollar that is not true

also, a misconception, and I'm sure a lot of hr people reading this will probably say yes,

this so a big misconception is that your job your employer decides if you get unemployment or not that is a big not true that decision

lies with your state department of labor on if you will receive unemployment or not now depending on how your termination

was handled by your job it plays a big part in the state's decision whether or not you'll get unemployment benefits but again

the ultimate decision lies with the state alrighty so let's refocus on who pays for unemployment, employers are

responsible for paying unemployment insurance so like I said that is not a dollar for dollar figure so if you're receiving 500 a week

in unemployment that money is not paid in current time dollar for dollar by your employer so like I said unemployment is an

insurance so the more people that file for unemployment that used to work for your employer their experience rating is hit and

the unemployment insurance that they pay either yearly quarterly or monthly, it just depends that will increase so it's just like a car insurance

if you think about it the more accidents you're involved in your experience rating is hit and when it's time to renew your

insurance your rates will go up so next

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who can receive unemployment?

so not every person is eligible for unemployment state law determines who's eligible based on things like employee type reason for

separation and other factors so generally only employees who have worked for a certain amount of time prior to becoming an

unemployed qualify for unemployment so note if you've only worked for a job for like a week more than likely you won't qualify for

unemployment especially if that was your only job so another main factor that you must look into is that you must be out of work through no fault of

your own so if you quit your job without and I mean without good cause you probably won't qualify for unemployment

so the same is true if you are fired for a serious misconduct offense if your state defines that as actually a misconduct

How do you apply for unemployment?

so each state's different and each has its own process for applying for unemployment so in most states you can actually apply

directly online or you can apply in person or by mail online is always usually the preferred way to ensure that your application is

processed very quickly this is especially true if you just lost your job and you need some cash pretty fast

so really online is the best way to go once you apply you will have to provide a reason of why you are unemployed to your

department of labor, once your application is processed usually someone from the Department of labor, may contact you for an

interview on hearing  it just depends on the reason for your separation so be prepared to explain that reason on

why you left your job or why you were terminated remember that you have to tell the complete truth to these questions because after the

unemployment representative speaks with you they will contact your job your last job to confirm this information that you gave to them

so really that's how it works most states provide benefits for up to 26 weeks and some longer or shorter I hope that you're

never put in a position where you actually have to file for unemployment.

I hope that this information was helpful to you also if you are in the process of falling for unemployment and you're experiencing some challenges

then feel free to share them in the comment below

it's always helpful to share stories so that we can learn from each other.

Working While Claiming Unemployment Benefits

When receiving Unemployment Insurance benefits, the common mistake of not reporting work and earnings accurately can lead to overpayments,

fines, delays, and even jail time. Any income that is earned while receiving unemployment insurance benefits must be reported in a

timely and accurate fashion. if you Failure to do then will have serious consequences.

To receive Unemployment insurance benefits you must work fewer than 40 hours a week and your gross earnings must be less than your weekly benefit amount.

You must report your gross earnings each week when filing for your weekly UI benefits. And you must meet all eligibility requirements,

including working all available hours.

Gross earnings refer to your pre-tax earnings. For example, if you've paid $10 an hour for 10 hours of work, you might take home $70 after taxes.

However, your gross earnings are $100, $10 an hour multiplied by 10 hours of work.

Additionally, you must report your wages the week the wages are earned, not the week you are paid. You might be paid every two weeks or even monthly,

but you still must track and report your earnings the week they were earned. To avoid an overpayment, fines, or other penalties,

make sure to report any income from employment. This includes holiday pay, bonuses, temporary work, tips, vacation pay,

self-employment, and other work-related income forms. By reporting your income correctly, you help ensure that your weekly benefit

payments are accurate. This prevents overpayment, fines, and other penalties. For more information, to ask questions,

for information on how to report self-employment, commission sales, or other earnings, or if you think you may have reported earnings incorrectly

visit www.Employment.Oregon.gov

or call the Unemployment Insurance Center

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