understanding Unemployment Benefits

Your company downsized, and you were let go even though your performance was stellar. If you are laid off through no fault of your own, the first thing you want to do is file for state unemployment benefits. The length and amount of your benefit is governed by your state. 

Are You Eligible?

Be aware that you might not be eligible for unemployment benefits if you worked part time or if you had been employed full time only a short time before the layoff. Again, state requirements vary, so check with your state’s unemployment office.

Were You Fired?

If you were fired for performance reasons, voluntarily quit, or took a leave of absence, you generally will not be eligible for unemployment compensation. However, it is up to each state to decide based on information gathered from your employer.

After you file a claim, the state will send a notification to your former employer. The employer must respond during a set period of time, usually 14 days. You’ll receive a letter shortly thereafter explaining your benefits due, or denied, depending on your employer’s response. You do have the right to an appeal.

If your job was eliminated due to lack of work, you will likely be eligible for unemployment benefits. Ask your employer at the time of your severance meeting if they plan to support (or dispute) your unemployment insurance claim.

Don’t Sign Anything Right Away

Don’t sign any exit paperwork immediately. Take time to read it and understand the details. If you think you’re not getting the benefits due to you, contact an employment attorney or advocate. Sometimes they can help you negotiate a better deal.