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Coronavirus Unemployment: Who is covered, how to apply and how much it pays



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Sarah Tew / CNET

Visit the WHO website for the latest updates and information on the coronavirus pandemic.

The human toll from coronavirus The epidemic has been enormous: More than 4.5 million infected and 150,000 fatalities in the United States alone. But financial impact has been even more extensive and affected companies – and their employees – of all sizes and in different industries. The government has launched a number of initiatives to help, including one incentive payment and the Wage Check protection program, which provides foreseeable loans to small businesses as an incentive to keep employees on the payroll.

Read more: Stimulus control: Are you eligible to receive the next $ 1,200? What you need to know

Nevertheless, nearly 43 million people have applied for unemployment insurance from the beginning of the outbreak to the end of June, according to Fortune. And as Congress continues to struggle with a variety of stimulus fixes and stopgap, unemployment rolls continue to grow.

Update: The current political context and prospects

The $ 2.2 trillion bailout signed by President Trump in March restore some of the rules on unemployment benefits, increase eligibility and increase the payment amounts. The original CARES Act relief package is will expire on July 31however, and Congress is still locked in when it comes to doing the next. Although you can currently apply for unemployment benefits, it seems improved unemployment benefit by an additional $ 600 per week really goes out on Friday.






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According to the Senate Republicans’ new stimulus proposal, called HEALS Act, the $ 600 extra unemployment benefit would be torn down to $ 200 by October 5th. At that point, unemployed people would, according to the bill, be entitled to a payment equivalent to about 70% of their previous wages by the end of 2020. While the proposed package is still the subject of a burning debate in Washington, we have compiled everything you need to know about it current situation of unemployment benefits.

What is unemployment insurance?

The US government, at both the state and federal levels, provides a safety net for people who lose their jobs. But the eligibility requirements and benefits vary greatly from state to state; You can get all the details about your state’s specific unemployment benefits on the US Department of Labor website. For example, eligible Florida residents can claim up to $ 275 for 12 weeks of unemployment benefits.

Before the CARES Act was passed, unemployment benefits were designed as a temporary stop to help people who were out of work to cover basic expenses such as housing, food and tools. If you were self-employed or owned a business, you would not normally qualify for regular unemployment insurance. That has since changed.

Who is entitled to unemployment benefits?

During normal times, unemployment benefits are usually reserved for full-time employees who lose their jobs. With the increased coverage, part-time and self-employed people can now qualify.

The CARES Act created the Pandemic Unemployment Assistance (PUA) program, which provides benefits to individuals who would not normally be entitled to unemployment benefits from the states, including gamblers, freelancers, independent entrepreneurs, and small businesses whose incomes have been affected by pandemics. PUA funding is currently set to run until 31 December.

You may also be eligible to collect unemployment benefits if you belong to one of these categories:

  • You or a family member has been infected with COVID-19 and cannot work.
  • You have been advised by a doctor to self-guarantee.
  • Your workplace is closed due to coronavirus (for example, restaurants or businesses that are considered “non-essential”).
  • You do not work because you have to take care of children or other family members who would otherwise go to school or another facility.

How much money do I get?

According to the Bureau of Labor Statistics, the typical American worker earned about $ 1,000 a week at the end of 2019. Weekly unemployment benefits usually cover about 40 to 45% of that median wage amount – but vary by state; California residents, for example, receive about $ 450 a week.

The first incentive bill included a provision that stopped the weekly state-funded unemployment benefits by $ 600. If you qualified for $ 1 state or federal unemployment benefits, you should have received the additional payment of $ 600.

Read more: When will the eviction moratorium return? August rent relief, laws

How long will I receive unemployment benefits?

Most states’ unemployment benefits cover 26 weeks; The CARES law extended this period by 13 weeks, giving most people a total of 39 weeks of coverage. Florida residents, who previously received unemployment benefits for 12 weeks, are now covered for a total of 25 weeks. Please note that if you have already exhausted all of your state unemployment benefits, you can apply for the federal program for an additional 13 weeks.

What if I was redundant?

In contrast to a dismissal – where a job is permanently eliminated – a competition is closer to a temporary absence. Hard workers sometimes continue to receive certain benefits including health insurance.

Unemployment benefits for hard-working people vary from state to state. But the first stimulus bill provided increased coverage, so that even hard-working people could receive unemployment benefits. And unlike laid-off workers, overtime employees do not have to prove they have lost their jobs.

Who is not covered?

If you are working from home or with paid leave, you do not qualify for the updated unemployment benefits. And it is unlikely that you will not be covered if you can technically work but prefer that you do not because of fear of the coronavirus. However, if you had to quarantine due to potential coronavirus exposure, you are eligible. Honestly, the language in the bill is a bit fuzzy; and ultimately it is up to individual states to decide if you are eligible or not. In short, the only way to know for sure is to apply.

Read more: Coronavirus difficulties: What they are, how they work and how to get one

When can I apply?

Immediately. Before the stimulus package was transferred, you had to wait at least a week to receive benefits, but many states have now waived the waiting period.

How do I apply for unemployment insurance?

There is no federal unemployment benefit system, which means you have to apply through your state’s individual system. Find your government program here.

Read more: You have lost your job due to coronavirus. These resources can help


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