Unemployment Insurance, Unemployment Benefits and Disadvantages, Applying for Unemployment Insurance, What You Need to Know About Unemployment Insurance

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Unemployment Insurance, Unemployment Benefits and Disadvantages, Applying for Unemployment Insurance, What You Need to Know About Unemployment Insurance

Unemployment Insurance, Unemployment Benefits and Disadvantages, Applying for Unemployment Insurance, What You Need to Know About Unemployment Insurance

What you need to know about unemployment insurance

Unemployment insurance is an assistance program for temporarily unemployed workers administered by the New York State Department of Labor. You do not have to be a US citizen or hold a green card to qualify for this benefit but you must be working with and currently have a valid work permit. Learn more about the benefits you may be entitled to below.

Also read: Importance of insurance, Why insurance is important, Why is insurance important?

What is unemployment insurance?

Unemployment insurance is a job loss cover that provides temporary financial assistance to people who are involuntarily fired from their jobs due to company closure, provided the company has at least 20 employees. The insured can only make an unemployment claim under genuine circumstances and through no fault of their own.

In these situations, the company may be shut down due to violations of laws, poor financial health, closure of divisional offices, acquisitions and mergers of firms, etc. Insurance for the unemployed is a new addition to the insurance industry and is not yet available as a. Individual cover. It can only be purchased as an add-on cover to Critical Illness Insurance and/

or

To get personal accident policy unemployment benefits, one can consider various plans offered by general insurance companies in India. But first, let's understand unemployment insurance benefits in detail.

Unemployment insurance benefits

Generally, a policy has an initial waiting period of 30-90 days before the unemployment insurance cover becomes effective. It provides coverage for a limited period only, which is decided initially at the time of purchase. While the duration of insurance coverage varies between 1-5 years, unemployment claims can be made only once during the policy term. Moreover, there are some exceptions under the insurance policy for the unemployed. Take a look!

Waiver of unemployment insurance

An unemployment insurance does not provide financial assistance in certain situations. Some of them are listed below.

  • Unemployment or loss of employment due to voluntary resignation
  • Unemployment of a self-employed person
  • Unemployment during examination
  • Loss of employment due to suspension or termination due to poor performance or illegal activity
  • Unemployment due to pre-existing illness

Also read: Importance of insurance, Why insurance is important, Why is insurance important?

How to apply for unemployment benefits?

Now that you know the unemployment insurance plans available in the insurance industry, you can easily call the insurance company and ask for the application process. They will guide you through the process of choosing a policy and finally buying one. But, before you consult the insurance company, there are some things to keep in mind.

  • Understand all unemployment insurance policies well before you choose one
  • Find out whether you fall under the unemployed category as per the policy
  • Ask as many questions as you like
  • Understand the different ways to apply for unemployment benefits
  • Fill out the unemployment form carefully while making a claim

Claim unemployment form

An unemployment benefit (also known as an unemployment form) or insurance claim form is easily available online. One can contact the insurance company and follow the claim process.

Who is eligible for unemployment insurance?

You are eligible for unemployment insurance if you meet the following requirements:

  • You left your last job under circumstances that were not “disqualifying”;
  • You have earned enough money before filing for unemployment benefits: You must have earned at least $2,400 in one of the last five quarters (a quarter is a 3-month period) and have earned at least half of what you earned in your highest quarter in the “base period” (a base period is the year preceding the last completed quarter)
  • You are available for work and looking for work.

What are “extenuating circumstances” for leaving a job?

If you were fired for “misconduct” or you left your job voluntarily and “without good cause,” you left your past job under ineligible circumstances and are considered ineligible for unemployment insurance.

But, the Department of Labor will investigate your claim and it – not your employer – will decide whether there was misconduct; whether you left the job voluntarily; and whether you had good reason for leaving your job.

Also Read: Importance of Insurance in Economic Stability

What benefits do I need to certify after I apply?

Yes. You must certify that you did not work and were both available for employment and looking for work each week for which you are seeking unemployment insurance benefits. You must do this every week even if you are waiting for a decision on your application or your application has been refused and you are appealing.

You must not certify:

  • If you were too sick to work
  • If you couldn't work because you care for a child or someone else who is sick or disabled
  • If you are outside the United States
  • When your work permit expires
  • Even if you worked any day off the books.

The Department of Labor is very strict about this requirement and you may have to pay back benefits or even face possible criminal consequences for misrepresentation. To be certified for benefits you must call 888-581-5812 or online.

What is Monetary Determination?

The first determination you get after you apply is called a “Monetary Determination” The Department of Labor determines whether you have earned enough money to qualify for unemployment insurance. A monetary determination tells you how much your benefits will be if you're considered eligible. The Labor Department believes it is calculated based on how much you earned in the last four quarters before the most recently ended quarter.

If you think the Department of Labor is wrong about your income, you can request a financial determination reconsideration. You have 30 days to do so. You must submit a “Request for Reconsideration” form to the New York State Department of Labor, PO Box 15130, Albany, NY 12212. This form is provided in the unemployment insurance claimant's handbook when you apply for benefits or can be downloaded from the department's website.

You can also ask the Department of Labor to use an “alternative base period” to calculate your benefits. If you earned more money in the most recently ended quarter than in the four preceding quarters, using an alternate base period to calculate your benefits may result in a higher weekly benefit rate. You have only 10 days from the date of your financial determination to file the “Request for Alternative Base Period” form. This form is also available in the Unemployment Insurance Claimant Handbook. The form can be downloaded here and must be mailed to the New York Department of Labor, PO Box 15130. The form may be returned by fax to 518-457-9378 or by mail to the New York State Department of Labor, PO Box 15130, Albany, NY 12212-5130. .

What is a qualifying determination?

An   eligibility determination   is a decision by the Department of Labor about whether you meet the eligibility criteria for unemployment insurance.

Can I appeal if my application is denied?

Yes. If you receive an eligibility determination that says you are not eligible you may request a hearing by writing a letter to the New York State Department of Labor, PO Box 15131, Albany, NY 15131. You have 30 days from the date of your notice to request a hearing.

Can I be represented at the hearing?

Yes. If you need representation at an unemployment insurance hearing, Legal Aid's Employment Law Unit may be able to help you. For assistance request information call our Access to Benefits Helpline Monday to Friday 888:663 AM to 6880:10 PM 00-3-00.

Can I postpone or “adjourn” my hearing?

Yes. You may request that your hearing be delayed or postponed—in writing or by calling ahead of time—if you have good cause. Such factors include time needed to meet with your representative, more time needed to gather evidence, and jury duty. If you did not request a delay in advance, you must attend the hearing and make the request in person. You are only entitled to one postponement.

What happens if my employer or I do not go to the hearing?

If you or your employer miss the hearing, the party absent from the hearing may request that the hearing be reopened within a reasonable time by writing to the Unemployment Insurance Appeals Board, ALJ Division, PO Box 697, New York, NY, 10014. The first time a party requests a reopening of the hearing, a new hearing will be scheduled and a hearing judge will consider whether the party had good cause for missing the previous hearing.

What happens at the hearing?

At the hearing, a hearing judge called an “administrative law judge” or “ALJ” will preside over your case. The ALJ will question both you and your employer under oath. You can present documents or other written evidence. Each side will have the opportunity to ask each other questions (“cross-examination”) and give the judge a final verbal summary of their case (a “closing statement”). If you or one of your witnesses needs a translator, one must be provided.

Can I appeal if I lose my hearing?

Yes. Any party who loses the hearing may appeal by writing a letter to the Unemployment Insurance Appeals Board, PO Box 12212, Albany, NY 20, within 15126 days of the decision.

Who do I call for additional employment assistance?

Call our Access to Benefits Helpline on 00-3-00 Monday to Friday 888:663 AM to 6880:10 PM for assistance:

  • Unemployment insurance benefits
  • minimum wage
  • Overtime and other wage and hour issues
  • Employment law problems stem from past criminal problems
  • Migrant workers
  • Discrimination in the workplace
  • Family and Medical Leave
  • labor trafficking

More resources about unemployment insurance

  • Department of Labor website
  • How to file a claim for unemployment insurance

Denial of responsibility

The information in this document has been prepared by the Legal Aid Society for information purposes only and is not legal advice. This information is not intended to create, and its receipt does not constitute, an attorney-client relationship. You should not act on any information without seeking professional legal advice.

Denial of responsibility

The information in this document has been prepared by the Legal Aid Society for information purposes only and is not legal advice. This information is not intended to create, and its receipt does not constitute, an attorney-client relationship. You should not act on any information without seeking professional legal advice.

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