Embed Size (px)
Citation preview
1californiaunemployment.org
Unemployment Benefitsfor California Residents
2 californiaunemployment.org
IntroductionGuide
The state of California grants unemployment insurance to residents who have become temporarily unemployed. These insurance benefits are meant to assist job seekers financially while they are searching for a new job However, not all unemployed Californians are eligible to receive unemployment insurance benefits. To meet the eligibility criteria needed to receive weekly unemployment
benefits, applicants must:
3californiaunemployment.org
California job seekers may file an unemployment insurance claim by fax, by phone, or online. The online unemployment application is recommended because it is accessible 24/7. The EDD unemployment application line (1-866-333-4606)is available Monday through Friday, from 8:00 a.m. until 12:00 p.m. If the unemployment insurance claimant is eligible for benefit payment, the claimant will be contacted by the California Employment Development Department (EDD) to schedule a telephone interview. The telephone interview is meant to verify that all of the information given by the claimant and their former employer matches. For this reason, applicants are encouraged to gather all documentation necessary to give the interviewer detailed and accurate answers.
If the unemployment claim is accepted, the claimant must certify for payments every week. During the certification process, the claimant will need to meet continued eligibility requirements. Each week when certifying for benefits, the claimant must answer a questionnaire pertaining to their job search.
If the unemployment claim was denied, the petitioner will receive a letter in the mail outlining why unemployment benefits were denied. If the petitioner feels that they were wrongfully denied, they may file an unemployment insurance claim appeal with EDD. During the appeal, it is in the petitioner’s interest to gather all documentation that may help prove that they were wrongfully denied.Unemployment benefits may be extended for an additional several weeks during times of high unemployment. There are currently no unemployment extension benefits available in California since August 2012.
Have worked for at least 18 weeks in the state of California
Not have been terminated because of misconduct
Be physically and mentally able to work full time
Be searching for work and ready to be hired immediately
Be a legal resident of California
4 californiaunemployment.org
5californiaunemployment.org
ContentsTable of
6 californiaunemployment.org
Unemployment Eligibility Requirements in California
Unemployment Insurance Benefits Extensions in California
How to Request an Appeal if Disqualified
Other Need-Based Government Programs in California
How to File an Unemployment Claim in California
What To Do When You Become Employed Again
Preparing for the Unemployment Insurance Interview as a Claimant
How to report unemployment fraud in California
8
17
13
21
10
19
15
25
Jumpstarting Your Career with the California Unemployment Office
28
7californiaunemployment.org
Documenting California Work Search Efforts
How to Calculate Unemployment Benefits in California
Charting All the Weekly Activities While on Unemployment
Unemployment Extension Availability
How to Update Your Resume and Cover Letter for Success
Saving Money While on California Unemployment
Tips for Making Extra Money While on Unemployment
Acquiring Healthcare while on unemployment
Finding Free Food While Unemployed in California
Alternatives to Taking on Credit Card Debt and Depleting Your Savings Account While on California Unemployment
36
31
42
30
39
34
46
52
54
49
8 californiaunemployment.org
Requirements in CaliforniaUnemployment Eligibility
For this reason, California law orders several eligibility requirements be met to verify the petitioner’s ability and readiness to work. California residents interested in applying for unemployment insurance must first meet several requirements. Petitioners are responsible for meeting the continued eligibility requirements after the unemployment application has been accepted. California unemployment beneficiaries may not receive payment if eligibility requirements are not met while the claim is still active. To be eligible for California unemployment insurance benefits, the petitioner must:
In the state of California, unemployment insurance is meant to support Americans who have been temporarily displaced from the workforce until they are able to become reemployed.
Be a California resident
Be unemployed OR employed part-time
Be unemployed without fault
9californiaunemployment.org
The “base period” is an employment cycle consisting of 3-4 months. The California Employment Development Department will predetermine the base period according to the date the unemployment claim was filed. Applicants who have not worked enough hours or received enough wages during their chosen base period may not be eligible for unemployment insurance in California. For more information on base period dates and how benefits are determined, please refer to the benefits fact sheet.
California jobseekers who have been fired from their previous job may schedule a phone interview with EDD to investigate and resolve the reason for job separation. Both the petitioner and the former employer will have an opportunity to discuss the situation with the interviewer. A letter will be sent to both the petitioner and the former employer after the interview. The letter will explain to both parties EDD’s decision on whether the claimant is eligible for California unemployment benefits. The employer and the petitioner are both given the right to file an appeal to EDD’s decision. It is the petitioner’s responsibility to maintain eligibility once an unemployment claim has been processed and accepted. The petitioner is required to certify the claim every other week in order to receive unemployment benefit payments. It is during the biweekly certification process that the status of the claimant’s
eligibility will be reevaluated. The biweekly certification can be completed online, by phone, or by mail. To remain eligible for unemployment insurance after a claim has been accepted, the claimant must:
If it is determined that the claimant is ineligible for unemployment benefits during weekly certification, a phone interview with EDD will automatically be scheduled. EDD will reevaluate the petitioner’s claim and may decide to decrease or deny benefit payments.
Be searching for work and able to begin immediately
Be physically and mentally able to work full-time
Be ready to accept an immediate job offer
Search for work every week
Be physically and mentally capable of full-time work
Have earned sufficient wages during the base period
Receive training approval before earning training benefits
10 californiaunemployment.org
Claim in CaliforniaHow to File an Unemployment
But be sure to verify unemployment eligibility before filing a claim. The California unemployment insurance application may be accessed online, by phone, or by fax. All applications will be processed by EDD within a few weeks. Once EDD has come to a decision, a letter will be sent to the petitioner notifying them of acceptance or denial of benefits. Applying for unemployment benefits online may be the most convenient method, as the application may be accessed at any time. The online EDD application allows the petitioner to access all unemployment records at any time. For more information on applying for unemployment benefits online, refer to UI Online.
The unemployment insurance application may also be completed by phone with the assistance of a customer service representative. This line is open Monday through Friday, between 8:00 a.m. and 12:00 p.m. This service is available in several languages. The customer service number for the California unemployment application is 1-800-300-5616. Petitioners also have the option of faxing an unemployment application. The form may be printed from the EDD website. The petitioner may fax the completed form to the EDD office at 1-800-547-9565. The petitioner may also use the EDD office locator to find the closest office to turn in an application in person.
Temporarily unemployed California residents may file a claim to receive unemployment benefits until they become reemployed.
11californiaunemployment.org
Petitioners who have served at least 18 months with the United States military or federal government may fill out a special unemployment insurance application by phone. Alternatively, special applications may be printed and faxed to the EDD office. Before the application process begins, the applicant must have the following information ready:
The petitioner’s Social Security Number OR Alien Registration Number
The petitioner’s state-issued identification or driver’s license
The petitioner’s home or mailing address
Information about the petitioner’s last employer (including but not limited to the petitioner’s dates of employment and termination, address, phone number, supervisor name, etc.)
The reason for unemployment. (Petitioners who have been fired from their previous job will require a phone interview with an EDD official.)
12 californiaunemployment.org
If any payment from the former employer is to be expected in the future (i.e., severance pay, pension)
If the petitioner is physically and mentally able to work immediately
If an unemployment claim has been accepted by EDD, the claimant will be required to update their application every two weeks in order to receive payment. The unemployment claim may be accessed by phone or online. Online claims may be accessed most quickly and at any time. Unemployment claims accessed by phone may only be available during the line’s weekday open times. Failure to access and update an unemployment claim every 2 weeks may result in a decreased, delay, or denial of benefits.
13californiaunemployment.org
Appeal if DisqualifiedHow to Request an
Not every unemployed California resident is eligible for state unemployment benefits. In fact, applicants who have met all eligibility requirements are not necessarily guaranteed unemployment benefits. If EDD determines that an applicant is ineligible to receive unemployment benefits, he or she will receive a letter outlining the reasoning for the decision. The applicant reserves the right to file an appeal for the claim if he or she feels that they have been wrongly denied benefits. To begin the appeal process, the petitioner must mail a letter to EDD. This letter must include:
14 californiaunemployment.org
A statement of the intent to repeal the unemployment benefit decision
A copy of the letter stating the predetermination of benefits
The name and address of all legal representatives
The reason why the appeal was created
Mailing address
Name
Social Security Number
The Employment Development Department Appeal Form may be sent along with the request for appeal. The unemployment claim appeal form is included in every predetermination of benefits letter. Once the EDD office receives the letter, the claim will be reviewed to verify that benefits have not been wrongfully denied. If EDD officials determine that the original decision was legitimate, an appeal claim will officially open. Former employers also reserve the right to appeal an unemployment decision. In this case, the employer must mail the EDD office a letter stating their intentions of appealing the decision, as well
as their business contact information and the petitioner’s employee information. The closest EDD office may be found with the office locator.
Once an unemployment appeal claim has been opened, the Office of Appeals will continue to review the case. The Office of Appeals will schedule hearings to help come to a decision. During appeal hearings, the petitioner will have the opportunity to gather any evidence that will help prove the case that they are indeed eligible for unemployment benefits. In cases when the petitioner has been accused of misconduct, the petitioner’s former employer may be invited to participate in the hearings. Petitioners who have filed an appeal for California unemployment benefits but live in another state are not required to physically attend the hearings. Alternatively, a hearing may be completed over the phone for former residents. After the final hearing is over, a judge specializing in Administrative Law will come to the final decision.
The appeal decision will be mailed to the petitioner’s house. If the petitioner still believes that benefits were wrongfully denied, they may file a second level appeal with the EDD office within 30 days.
15californiaunemployment.org
Unemployment InsuranceInterview as a Claimant
Preparing for the
If the claim passed the first evaluation, the claimant may be called to schedule an interview with the EDD office. The purpose of this interview is to verify all of the employment information given in the application to ensure benefit eligibility. Once the EDD office has gathered the claimant’s employment information through both the application and correspondence with the former employer, a phone interview will be requested for schedule.
The EDD office will contact the claimant’s former employer before scheduling the phone interview. The EDD office will ask the employer general questions about the claimant’s separation, including the reason for separation, if any written warnings were received and if any misconduct occurred. Overall, it is important for all of the information obtained from the claimant’s last employer matches the information given on their unemployment claim. Once the employer has been successfully contacted by the EDD office, the claimant will schedule a convenient time for a phone interview. The phone interview must be completed before receiving payment of unemployment benefits.
Once an unemployment benefit claim has been filed in California, it may take up to 10 days to receive notification about the claim decision.
16 californiaunemployment.org
To be prepared for the interview, the petitioner will need all relevant documentation pertaining to recent employers and the reason for separation with the last employer. If a job offer was given and rejected since the claimant was last employed, be ready to provide relevant documents and the reason why the job offer was not accepted.
It is helpful to review benefit eligibility for unemployment in California to understand what information is required for payment. Before the phone interview, be sure to review literature on:
During the phone interview, the interviewer will ask the claimant questions pertaining to:
Once the interview has transpired, the petitioner will have to wait for a decision to be made regarding his or her acceptance into the aid program. It shouldn’t take more than a week or two to receive further instruction.
Work availability requirements
Rules about termination due to misconduct
What to do if a claimant was terminated from a previous employer
Reasons for employment separation
Job offers since unemployment, and why the claimant did not accept the offer
Expecting future payments from the former employer (i.e., severance pay, pension, etc.)
The claimant’s ability to work full time, meaning that the claimant must be physically and mentally able to work as well as be free of any personal obligations keeping them from working
How quitting from a job may affect unemployment benefits
What kind of job offers is the claimant required to accept to avoid losing benefits
How do trade disputes affect an unemployment claim
17californiaunemployment.org
Benefits Extensions in CaliforniaUnemployment Insurance
However, during periods of high state or federal unemployment, the United States government grants an unemployment benefits extension to claimants who are still unable to become reemployed. Currently, neither the federal government nor the state of California meet the unemployment rate requirements needed to grant recipients an unemployment benefit extension.
In California, when the unemployment rate reaches high levels, the Emergency Unemployment Compensation extended benefits (EUC) are given to eligible claimants. Once EUC benefits have been exhausted, some claimants may be eligible for Extended B¬¬enefits (EB) if the employment is still unusually high. Both ED and EUC benefits are paid for by the federal government, not by state employers. More information, see the full unemployment extension details.
Once state unemployment benefits have been exhausted by a claimant, benefits extensions are received in the following order:
In every state, unemployment insurance benefits are granted for a finite amount of time. After several weeks, the claimant must wait until they are unemployed after becoming reemployed before they are eligible to open another unemployment claim.
18 californiaunemployment.org
Original unemployment claim (up to 26 weeks)
EUC, Tier 2 (up to 14 weeks)
EUC, Tier 3 (up to 13 weeks)
EUC, Tier 4 (up to 16 weeks)
Extended Benefits (up to 20 weeks)
Extended Unemployment Compensation, Tier 1 (up to 20 weeks)
If unemployment remains high for a long enough period of time, unemployment claimants may be eligible to receive unemployment benefits for an additional 83 weeks in California. When receiving extended unemployment benefits, continued eligibility requirements may become stricter for claimants, especially in regards to reemployment and searching for a job.
However, there are no unemployment extended benefits available at this time for California residents. As of August 2012, the state of California is no longer eligible for unemployment benefits extensions. After the original claim has been exhausted, California residents must become reemployed before being eligible to receive unemployment benefits.
19californiaunemployment.org
Become Employed AgainWhat To Do When You
Once a claimant accepts a job offer it is his or her responsibility to notify the California Employment Development Department by ceasing to certify for unemployment benefits every 2 weeks. Failure to report employment to EDD may result in permanent disqualification from unemployment benefits in the state of California.
To stop receiving unemployment benefits in California, the claimant must simply stop certifying for benefits. Once a claimant stops certifying an unemployment claim every 2 weeks, the claim will become inactive. The claim may still be accessed through UI online when it is inactive. The claim can be reopened if the petitioner becomes unemployed again within 52 weeks. When a claim is reopened, the claimant may continue to receive unemployment benefits on the same claim. Alternatively, the claimants that certify benefits by mail may opt to notify the EDD office of employment by ceasing to mail a Continued Claim form each week. With both methods, it is not necessary to notify the EDD office specifically.
California unemployment insurance claimants who accept a part-time job offer may still be eligible for unemployment
California unemployment benefits are only granted for several weeks or until the claimant receives and accepts a job offer.
20 californiaunemployment.org
benefits. If a part-time job is accepted, notify the EDD office about the employment opportunity while still certifying for payment benefits. If EDD decides that the unemployment claim will remain open, the claimant may expect a smaller benefit payment.
If a claimant continues to certify for unemployment insurance benefits after becoming employed full-time, he or she is committing insurance fraud. Insurance fraud is defined as giving false or incomplete information to force eligibility for benefits. If a petitioner is caught committing unemployment insurance fraud, he or she may become ineligible to ever apply for California unemployment insurance benefits again.
If unemployment benefits are received after the petitioner has received a job, the petitioner may mail the payment back to the EDD office to avoid a fraud investigation. To send back a residual payment, the claimant must mail to EDD:
If an employed claimant fails to give back an unemployment payment and fraud has not been indicated, the overpayment will be deducted out of the claimant’s next tax refund check.
The name and address of the claimant
The amount of money included in the payment
The date the payment was received
Why the claimant is sending the payment back
21californiaunemployment.org
Programs in CaliforniaOther Need-Based Government
If you are eligible to receive unemployment insurance, you may also be eligible to receive other need-based government programs in California. Need-based programs include Supplemental Nutrition Assistance Programs (such as food stamps), Temporary Assistance for Needy Families and Medicaid. To learn more about these need-based government programs, review the information presented below:
Need-based government programs are available to qualifying residents in California. Learn how to apply for need-based programs in just a few easy steps.
Food Stamp Eligibility
How to Apply for Food Stamps
Medicare Eligibility
How to Apply for Welfare or Temporary Financial Assistance
22 californiaunemployment.org
How to Apply for Low-Cost Medical Coverage
Other Services for Low-Income Families
Formerly known as Food Stamps, CalFresh is a program available to qualifying households who need financial assistance to purchase food. To qualify for CalFresh, annual household incomes must not exceed the following:
You may apply for CalFresh online through a detailed application process. Applications may be completed online http://www.cdss.ca.gov/food-nutrition/calfresh.After you apply, you will be contacted to set up an interview. You will need to bring proof of identity, social security numbers for all members of your household, proof of income for the past 30 days (if employed), all bank statements, and all mortgage, rent, electricity, or shelter costs.
Food Stamp Eligibility How to Apply for Food Stamps
$15,444 for a household of one.
$26,208 for a household of three.
$20,826 for a household of two.
$31,590 for a household of four.
$36,972 for a household of five.
$47,749 for a household of seven.
$42,354 for a household of six.
$53,157 for a household of eight.
For households over eight, add $5,408 to each additional person.
23californiaunemployment.org
Medi-Cal is available to provide free or low-cost medical services to needy families in California. To qualify, you must be a U.S. resident, in need of health care, and must be considered low-income or very low-income. Additionally, you must also be at least one of the following: pregnant, blind, disabled, have children under the age of nineteen, be 65 years of age or older or share your household with someone who has a disability. To qualify for Medi-Cal, annual household incomes must not exceed the following:
Medicare Eligibility
$15,800 for a household of one.
For households over eight, add $5,533 to each additional person.
$32,319 for a household of four.
$21,307 for a household of two.
$37,825 for a household of five.
$26,813 for a household of three.
$43,331 for a household of six.
$48,851 for a household of seven.
$54,384 for a household of eight.
24 californiaunemployment.org
You may apply for Medi-Cal online at http://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/MC_Eligibility_Ben.aspx You can also contact your local county office to apply by telephone or in person.
Other need-based services are available to assist families during periods of unemployment. Additional programs include the following: Head Start; Low Income Home Energy Assistance; School Breakfast and Lunch Program; Special Milk Program; Supplemental Nutrition for Women, Infants and Children; Summer Food Service, and Weatherization Assistance Program.
Visit https://www.benefits.gov/benefits/browse-by-state/state/146 to learn more about applying for each of these programs.
How to Apply for Low-Cost Medical Coverage
Other Services for Low-Income Families
25californiaunemployment.org
Unemployment fraud in California is a serious issue. To report unemployment fraud, you may submit a report online using a secure server or you may call the State of California’s Employment Development Department (EDD) toll-free hotline. To learn more about how to report unemployment fraud, review the information presented below:
Report unemployment fraud today. Learn how to report unemployment fraud in California in just a few easy steps.
How to report unemployment fraud online
How to report unemployment fraud by telephone
How to report payroll tax fraud in California
How to Report UnemploymentFraud in California
26 californiaunemployment.org
How to report other types of fraud
How to anonymously report fraud in California
How to avoid committing fraud
What to do if you unintentionally commit unemployment fraud
If you suspect that there is fraudulent activity on your unemployment insurance account or if your payroll has been compromised, you may file a report online using a secure network at www.edd.ca.gov. Each report is taken seriously and you may file a report anonymously if you prefer. Submit a Fraud Reporting Form online using the State of California’s EDD website. When submitting the report, you will be asked to enter the information of the person who has been a victim of fraudulent activity. You will also need to provide the victim’s employer information.
If you do not have access to the internet or if you feel more comfortable reporting fraud by telephone, you may contact the EDD Fraud Tip Hot-Line. You may contact the EDD by telephone to report unemployment insurance, disability insurance, or paid family leave fraud. To contact the department, call its toll-free number at 1-800-229-6297. Anonymous tips are also accepted.
How to Report Unemployment Fraud Online
How to Report Unemployment Fraud by Telephone
27californiaunemployment.org
Complete a secure Fraud Reporting Form online.
Contact the Underground Economy Operations Department at its toll-free number at 1-800-528-1783.
Report all work where you receive wages, including self-employment wages.
Keep a record of your work and your earned wages.
Send an email to [email protected].
Report all your gross wages.
Send a fax to 916-227-2772.
Other types of fraud include workers compensation fraud and social security insurance fraud. To report workers compensation fraud, contact the California State Department of Insurance. To contact the department, call its toll-free number at 1-800-927-4357. To report social security insurance fraud, contact the Social Security Administration. Call its toll-free number at 1-800-269-0271.
If you unintentionally commit unemployment fraud, contact the EDD as soon as possible. Call its toll-free number at 1-866-333-4606, submit a note online or fill out the downloadable Comments, Complaints, or Suggestions form and mail it to the address below:
Employment Development DepartmentP.O. Box 826880 – UIPCD, MIC 40Sacramento, CA 94280-0001
If you are collecting unemployment insurance benefits, there are several things you can do to avoid unintentionally committing fraud:
If you wish to remain anonymous when reporting fraud, do not include any of your personal information when filing a report. However, it is important that you include as much information as possible when filing a report. Unless required by law, the EDD will not disclose your identity.
To report payroll tax fraud, you have several different options:
How to Report Other Types of Fraud
What to Do if You Unintentionally Commit Unemployment Fraud
How to Avoid Committing Fraud
How to Anonymously Report Fraud in California
How to Report Payroll Tax Fraud in California
28 californiaunemployment.org
The California Employment Development Department (EDD) offers a range of services for recipients of unemployment insurance. The two main programs that facilitate these services are the America’s Job Center of California (AJCC) and the CalJOBS program. Between these two robust programs, you will find everything you need to get your career back on track.
Career with the CaliforniaUnemployment Office
Jumpstarting Your
America’s Job Center of California (AJCC) is the main program for advancing employment and career goals for residents. This program is administered by the California Employment Development Department (EDD) which has prioritized the use of online employment systems. However, in-person workshops and consultations are also included. The program’ provides access to an extensive network of employers and has been successful in placing many job seekers in positions that match their skills. The AJCC is active in supporting communities and preventing disadvantaged youth from a life of poverty, and is responsive to local communities and organizations. For example, one initiative that was started in Sacramento provides at-risk young adults the opportunity to start apprenticeships. If you are on unemployment, you can also access other training services such as vocational programs that provide critical skills needed in today’s market, like how to use word processing and database applications.
America’s Job Center of California
29californiaunemployment.org
If participants only are looking for help to enroll for certain classes, such as math or reading to obtain further education or a GED, this program gives them information and helps them make informed decisions. For other services and training opportunities, or information on taking another test preparation course, applicants can check out the Workforce Innovation and Opportunity Act program, which provides access to training for a variety of job roles. For those already receiving unemployment benefits, the California Training Benefits program provides separate training customized for each individual. The unemployment office can also assist with resume-building, cover letter writing, skills assessment and interview preparation.
The California EDD also runs an online career advancement system called the CalJOBS program, which provides services like resume-building, work references, and access to training programs. Applicants will have to have a Social Security number and register with the CalJOBS website to complete an application. Once registered, you will have access to an application that creates resumes. If you already have a resume, just upload it to the system and it will be available for browsing by prospective employers. With access to the employer database, you can opt to have instant notification through text message or email of new job openings and offers. Job training opportunities are diverse and encompass a range of skills. Participants may attend workshops helping them gain knowledge and planning for building their previous career or a new one. For example, the topic might be about labor market statistics on types of work, or a current trend in training for a certain profession. Requirements for using the CalJOBS career system are a stable internet connection, as well as a web browser that is up-to-date and has a bandwidth of at least 33.6 kb/s. Make sure to notify the Employment Development Department office if you are having difficulty with the application. Participants may already be registered with CalJOBS if they have been receiving unemployment benefits. If looking for job fairs in your area, you can check the listing for your region:
CalJOBS
Northernhttp://www.edd.ca.gov/Jobs_and_Training/Northern_Region.htm
Los Angeles area http://www.edd.ca.gov/Jobs_and_Training/Los_Angeles_Coastal_Region.htm
Southern California http://www.edd.ca.gov/Jobs_and_Training/Southern_Region.htm
30 californiaunemployment.org
AvailabilityUnemployment Extension
The program was started in response to severe strain on the economy due to the 2008-2009 recession and has been instrumental in preventing those who are chronically unemployed from losing their benefits.
In most cases, unemployment extensions are unavailable nationwide unless the federal government initiates them. The reason is that extended benefits become available only when the state unemployment rate becomes too high. The program was started by the federal government, which currently approves up to 36 weeks of unemployment benefits for recipients. However, these extra weeks are only initiated at the federal and state level, and apply to all individuals at the same time. All unemployment recipients should receive a notice in the mail regarding activation of an extension. One exception is jobs training programs, which can be extended even if there is no federal extension and your claim is about to run out. Any apprentice, or vocational training program that is started before the claimant stops receiving benefits, can be continued until the program ends. Recipients will just have to submit a request through the unemployment application online or report the training to the EDD. You may not be able to receive indefinite training since the extension period will be calculated according to the total unemployment insurance
amount and duration. If you have set up email or text alerts, then you will likely receive notice of any extension. If unsure whether there is an extension currently, you can check with the California EDD or local unemployment office. UI online is also available through mobile app if you are currently enrolled.
The unemployment extension program is a joint initiative between state and federal governments.
31californiaunemployment.org
The process for calculating weekly unemployment benefits begins with determining your base period wages.
The base period will be a year’s worth of earnings depending on when you filed your claim and the highest quarter earnings. See the next sections to apply your wages according to these criteria and figure out an estimate for your weekly benefit amount.
California unemployment benefits are generally calculated based on your income during the first four of the previous five calendar quarters. For example, if filing in February, the base period would begin on October of the 2nd previous year and end on September of the previous year. If you do not meet the income requirement under this base period, there is an alternate base period which consists of the last four completed calendar quarters. So, if starting the application in Jan-Mar, the base period would be the entire previous year, excluding January and February of the present year. An easy way to calculate this time period is to look at a three year calendar and shade the months according to your base period.
Unemployment Benefitsin California
How to Calculate
32 californiaunemployment.org
According to the California EDD, once the base period has been established, the income requirement is to have earned at least $1,300 in one quarter of the base period. If this amount is not earned in any quarter, then you would have had to earn $900 in one quarter and at least 1.25 times that amount in all three other quarters combined, which would be $1125. The quarter with the highest earnings is used to determine the weekly benefit amount. For example, if you earned $5,000 in your highest quarter, but no more than $1000 in the other quarters, then your weekly benefit would still be calculated based on the highest quarter ($5,000) amount. According to the California EDD benefits table, the lowest amount of weekly benefit that anyone can receive is $40 per month, based on a $900 income for the highest quarter.
The table below illustrates a small portion of the aforementioned benefits table. Use it as a quick reference to see how much aid you will potentially receive when enrolled into the program.
Weekly Benefits Calculation Estimate
Standard Base Period
Alternate Base Period
J
J
J
J
J
J
M
M
M
M
M
M
S
S
S
S
S
S
M
M
M
M
M
M
J
J
J
J
J
J
N
N
N
N
N
N
F
F
F
F
F
F
J
J
J
J
J
J
O
O
O
O
O
O
A
A
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
Previous Year
Previous Year
Previous Year
Previous Year
Current Year: Started Claim in February
Current Year: Started Claim in February
$1,001 - $2,000 $43 - $80
$3,146 - $4,134 $122 - $160
$5,200 - $6,292 $201 - $243
$2,100 - $3,120 $81 - $121
$4,160 - $5,174 $161 - $200
$6,318 - $7,514 $244 - $290
$7,540 - $8,762 $291 - $338
Highest Quarter Weekly Benefit Amount
33californiaunemployment.org
California law does preclude the use of the same wages for more than one claim in a given period. Remember to report any earnings while receiving unemployment. To double-check your payment estimation, you can also refer to the claims calculator. Enter the needed information to verify your estimate.
34 californiaunemployment.org
California UnemploymentSaving Money While on
Avoid excessive costs and routinely overpaying for slight conveniences like fast food meals, or driving short distances when you could walk. There is always some way to capitalize on cost-saving practices, and if you do not necessarily enjoy them, you may at least find added benefits beyond just saving money. For example, if you usually eat a $2 taco every day for lunch at work, thinking this is saving money, you could try eating a small assortment of fruits and vegetables instead. This can provide more energy and nutrition, and possibly even make for a more productive day while saving money on food expenses.
Many frequently used products can be eliminated with cheaper alternatives that in many cases work better and are less toxic for children and pets. Baking soda, for example, makes a good kitchen and oven scrub for a fraction of the price of specially-designed cleaners. Dish-washing soap and laundry detergent can be replaced with a do-it-yourself alternative from raw ingredients.
Life might seem impossible to get by without incurring some “luxury” expenses, but sometimes we can find cheaper alternatives that we like even better.
Many household items like utensils can be purchased online for much cheaper than at a retail store. Things like potato peelers, a garlic press, or a piece of kitchen gadgetry can be much less expensive online. Alternatively, lots of these utensils can be purchased at a dollar store. Shop for things like clothes on sites like eBay, which currently allow parents to stock up on kids clothing for the upcoming year without having to leave the house. Thrift stores and consignment shops offer great deals for many different items like towels, winter gear, and appliances.
Household Items
35californiaunemployment.org
Figuring out the peak usage hours for electricity in the house can help the family pay attention to any waste of energy. While energy-saving light bulbs and appliances have gone a long way in reducing energy expenses, there are still other things you can do. It actually helps to unplug appliances when not in use, as they constantly draw electricity when plugged in. The devices that use the most power when not being used are computers, cable boxes, and DVRs.
Most cable, internet and cell phone plans can be downsized. Sometimes, you may want to cut out cable and internet altogether in the interest of saving on bills. You can source internet from your local library and borrow your favorite music, movies, books and audio for free. Heath insurance, home and even auto insurance can also be reduced, bundled or swapped with cheaper options. Also, a variety of online shopping tools await people looking for better deals, often yielding significant monthly savings.
Making meals from home is something anyone can do to save money. If you are already making most meals form home, you can start using only coupons, or figuring out alternative meals that save money. Many of the freshest whole foods are also the cheapest sources for a balanced meal. For example, a meal with potatoes, green beans, and a side of rice and chicken could cost a fraction of what it would cost at a local diner. Eating vegetarian whenever possible cuts costs as well, in addition to saving money on preparation time and clean-up. Healthy and cheap meat alternatives include mushrooms, beans, dairy and eggs, all of which can provide the same amount of recommended daily protein as meat. Buying generic brand products is also a great way to save, particularly on cereals, pasta sauce, and beverages.
Energy Savings
Downsizing Bills
Meals: Home Cooked and Home Grown
36 californiaunemployment.org
Work Search Efforts Documenting California
Recording your work search activities is an important requirement for receiving unemployment benefits. The weekly certification you submit will contain questions about your current ability to work and work search efforts. The methods of searching for work can vary, and include in-person inquiries, job fairs, and filling out applications where they are being accepted. Work search activities also include browsing the newspaper or online classified ads, as well as contacting previous employers about work availability. Since providing inaccurate details can cause the delay or cancellation of benefits, using a chart like the one below is handy for accurately recording the key details and answering the weekly certification questions:
Staying on top of the weekly unemployment requirements is easy with the following charts.
37californiaunemployment.org
Type of Work Contact:
Type of Work Contact:
Place of Employment:
Place of Employment:
Person Contacted:
Person Contacted:
Time and Date of Contact:
Time and Date of Contact:
Results of contact:
Results of contact:
Email:
Email:
Phone:
Phone:
Other (mail, job fair, etc.):
Other (mail, job fair, etc.):
Week Period:
Week Period:
Contact 1
Contact 2
38 californiaunemployment.org
The form field for “results of the contact” is where you would write if you were hired, not hired, scheduled for an interview, or received a message. The weekly certification will ask you to answer questions about your work searching ability, such as if there were any legitimate reasons you were unable to search for work, such as illness, injury, family emergency, lack of childcare, or lack of transportation. You are expected to accept any job offers that are acceptable for your job training and education. In California, when you are unable to accept an offer, you will receive an appointment for an eligibility interview by phone or in-person so that you can explain the cause and prevent losing benefits. Besides having to take care of children or an injured household member, recipients might also be exempt from working or searching for work if they have enrolled in a training program or college class. If you received money for work, make sure to document this with your weekly certification as well. The California EDD may check or ask you to verify any information, so it’s a good idea to keep copies of your records and keep them safe.
If you would like help planning an effective work search, the can find assistance from the EDD office, which provides job referrals and information on how to advance your career. Detailed instructions on completing the weekly certification can be found on the EDD website. You should also have received in the mail a Guide to Benefits and Employment Services handbook, which provides a helpful and extensive reference. Attending job search workshops does not count as a work contact, any interview you obtain through a workshop can count. These workshops usually help you prepare for obtaining and following up on interviews and job referrals.
39californiaunemployment.org
and Cover Letter for SuccessHow to Update Your Resume
One of the most important elements of a successful resume is its ability to highlight your strengths. It might seem impossible to stand out from the crowd, especially after comparing your resume to others who have the same qualifications. After reviewing several applications, an employer might only see changing names, which is why you want to highlight exactly what qualifications make you stand out for the position, including an overview of your interests and skills. What you really want is for employers to find what they are looking for. The following tips are helpful reminders for giving your resume and cover letter an overhaul.
See these up-to-date tips on updating your resume and cover letter to help get your career back on track.
40 californiaunemployment.org
Tips for Resumes
1. Improve readability.Resumes with excessive jargon are burdensome to hiring managers, which have to give more time translating and analyzing your resume compared to others. When listing technical qualifications, certifications, languages, programs, etc., make sure to spell out names fully for easy verification. It is also helpful to avoid information that is repetitive or cramped. Improve spacing in the document and highlight the distinctiveness of each heading compared to its text.
2. Tailor the resume for the job.It may go without saying, but when applying for different roles and responsibilities, tailor your resume and cover letter to highlight the strengths you would provide for each job and company. Tailor your cover letter as well to avoid sounding generic or insincere.
3. Get rid of clutter.This includes the “objective” section of the resume, whose content should instead be the focal point of the cover letter. Unless there is something specific that needs to be stated, leave extraneous materials off of the resume.
4. Don’t duplicate your cover letter.In your cover letter, try to balance the information in with the information contained in your resume so they complement each other. Use your resume to state in the clearest way possible your qualifications, while use the cover letter to explain how you view the value of these qualifications and what the position means to you.
41californiaunemployment.org
Tips for Cover Letters
Keep it simple.Your cover letter should be organized and concise (350 words or less). Also, focus on no more than three top qualities or achievements, since longer lists can be put on your resume or CV.
Make it fun to read.Unless there is a reason you want a formal style, using informal writing that uses narrative or humor is highly effective for keeping an employer interested in your application and willing to revisit it.
Mention significant praise you have received.This is one of the easiest ways to provide information about your qualifications without sounding like you are bragging. It also suggests that you care about how your work makes people happy. Any story with a positive ending can be a good opportunity to provide insight on your personality and communication style.
Provide stats.You can make a huge impression by quantifying your performance or accomplishments. If you increased sales or some other statistic by a certain percentage, feel free to use it to demonstrate your experience or perspective.
Avoid clichés and complaints.Complaining about anything comes off as unprofessional. Employers typically avoid having to investigate whether you or your employer were at fault. Similarly, clichés come off as unprofessional and can make a candidate seem unoriginal.
List voluntary experiences and extra-curricular activities.Particularly when highlighting your work-related skills or interests, it helps to mention these since they are not given much voice if listed in your resume.
42 californiaunemployment.org
Recipients of unemployment have to keep track of many different activities each week. The best way to make sure you are meeting all the requirements is to keep clear records. For your job searching efforts, you just need to have regular contacts with prospective employers each week. You will be asked about these and have to show proof.
Weekly Activities While on Unemployment
Charting All the
If you’re receiving unemployment the following charts can be used to help you fill out everything you need each week.
43californiaunemployment.org
Use this chart as a guide for filling out the weekly claim:
Type of Work Contact:
Place of Employment:
Person Contacted:
Time and Date of Contact:
Results of contact:
Email:Phone: Other (mail, job fair, etc.):
Week Period: Contact 1
The Weekly Benefits Claimant
Were you too sick to be able to work?
Were there any reasons that you would not be to accept full time work other than sickness or injury?
Did you look for work?
Did you refuse work?
Only respond yes to this question if you experienced sickness or injury that prevented you from working. If there was another reason, answer yes to the next question.
Answer yes to this question in cases where you had to take care of a disabled person in the household, could not find childcare, transportation, etc.
Answer yes if you followed the work search requirements provided in the Notice of Unemployment Insurance Award, or if you are part of a union and met its requirements for reporting.
Answer no if you did not receive any offers from employers that you did not accept. You will have to attend an interview to ascertain whether you can still receive benefits.
Questions Answering.
44 californiaunemployment.org
Did you attend school or training?
Did you have a change of address?
Would you like federal income tax withheld for these weeks?
Did you perform any paid or unpaid work?
Answer yes to this question if you began classes or work training. You will have to attend an interview explaining the training if it is already not approved by the EDD.
If you moved or changed your mailing address, make sure to fill-in the box and then enter the new address on the section on the back of the form. Address changes cannot be done online.
Fill-in the box if you want Federal income tax to be withheld.
Answer yes if you performed work or received any of the following: sick leave, pensions, residual pay, self-employment, severance pay, strike benefits, vacation pay, tips, bonuses, back pay, partial payments, jury fees, workers compensation, or commissions. Make sure to enter your earnings.
Questions Answering.
Part-time work is still eligible for unemployment benefits, and your weekly benefit amount may be adjusted.
If you are scheduled for a re-employment interview, or eligibility interview, use this chart to make sure you have all the required information:
Types of information Required Re-Employment Interview Eligibility Interview
Identification
Employer Information
Work Search Ability
Income Documentation
Work Search Efforts
Work Eligibility (Social Security card, Work Visa, immigration papers).
45californiaunemployment.org
If you need time to gather witnesses or information, or if you need time for another reason or cannot make it to the scheduled interview, call the EDD office immediately to postpone the interview.
Documentation of training or school enrollment
Types of Information Given
Labor Market Information
Resources and tools available for work searches
Retraining opportunities Yes Yes
46 californiaunemployment.org
All you really need is the time and patience to dedicate consistent effort at producing some goods or services for others. Capitalize on any training you might have and place free classified ads online. Even small side-jobs here and there add up to income that keeps a household meeting its basic necessities.
While on UnemploymentTips for Making Extra Money
Capitalize on opportunities for earning extra income with recent innovations and advancements in communication technology.
47californiaunemployment.org
Do online surveys: Quite a few people have attempted to make careers out of answering survey questions. Today, there are several big sites that offer cash rewards for surveys. Look for websites that have already done the work of verifying how well the survey company pays and treats its respondents.
Try arts and crafts:One big way people can begin to earn extra money is by starting a craft project that could turn into a regular stream of income. It’s important to find something that is interesting and that brings out your motivation to be creative.
Rent out your car: Some companies let you rent your car out to customers who pay you by the hour. These companies have insurance coverage and give you peace of mind when loaning your car to strangers.
List things you don’t need on eBay: While some people report losing money on eBay because their item didn’t get enough bids, keep these tips in mind to increase your final sale amount.
Make the auction 7 days. Three and five day auctions are best for items that are highly popular and you know will garner enough interested bidders.
Start the auction at $0.99. This gets people bidding before they might otherwise would have, and makes others more likely to bid.
Have the auction ending in the evening. More people are online after work.
Have the auction end on a weekend. Weekends are particularly high traffic days when the most people are off work.
Offer and advertise free shipping. People like this option, it makes them favor your product immediately and more likely to remember it since they don’t have to calculate the price when comparing with other options.
-
-
-
-
-
48 californiaunemployment.org
Run tasks for others: There are now companies you can find online that allow you to sign up for random tasks that people need help with on the fly, like taking their dog to the vet, picking up some miscellaneous items or other quick duties they can’t complete on their own at the moment.
Ask for help: Even those who don’t have any extra money might be willing to part with things you need. Try trading items or services you can offer, and get creative.
49californiaunemployment.org
Many people find that the only options when they become unemployed include exhausting their savings or pile more debt onto a credit card. However, these should be the last two options since they can backfire if you have an emergency. The following tactics can help you avoid draining your savings account and taking on more debt.
Card Debt and Depleting YourSavings Account While onCalifornia Unemployment
Alternatives to Taking on Credit
Make the most of several ways to reduce expenditures, keeping you savings account and credit card intact.
50 californiaunemployment.org
#9. Track your moneyCreate a budget plan. By calculating all of your necessary expenses, you will be able to see where your money is going and where you can save the most. Eliminating luxuries like cable or gym memberships can instantly save you potentially hundreds of dollars per month.
#8. Resist the urge to buy on the spotAvoid impulse purchases. It is easy to buy things on the spur of the moment when they are inexpensive. But over the course of a week or month, these small unnecessary expenses can add up to a noticeable amount. Sticking to the budget you created can minimize impulse buys.
#7. Make homemade giftsMake your own gifts. During holidays or special occasions, there is more pressure to spend beyond your means, and can result in one of the biggest credit card expenses of the year. One solution is to make gifts for your loved ones. Baked goods like cookies, or artisan bread make excellent gifts that cost less than they would when purchased from a store, and are often received better than store-bought gifts.
#6. Lower your carbon footprintReduce transportation costs. Taking a car pool to work is becoming easier, more accessible and cost-saving these days. Also, public transportation is a low-cost option when it is available in your area. You can also save on transportation by shopping around for lower auto insurance by asking for a higher deductible.
#5. Get your needle game on pointLearn to sew and knit. In the past, sewing occurred in every household. Given the difficulty in manufacturing clothes, people would not want to throw away something just because of a small hole or rip in the fabric. Sewing comes in handy for other things like arts and crafts, or creating those homemade gifts mentioned earlier. Knitting is similarly easy to learn and will allow you to produce socks, sweaters, blankets, etc.
51californiaunemployment.org
#4. Spend the night inDon’t go out. If meeting friends for food or entertainment, consider inviting them over instead. Watching a movie at home is free, and dining out expenses are reduced by more than half if you stay home. Practicing a little self-restraint can keep you from dipping into the much needed funds you currently have.
#3. Save big on genericBuy generic brand products. Most products from cereals to pasta sauce have generic brands that are significantly cheaper. If your kids are unhappy with the latest replacement, try something they have not had or add your own combination of seasonings.
#1. Cut coupons and shop savvyOne approach is to eat more cheaply overall. Simply replacing meat with vegetables can save a considerable amount of cost on meals. In addition, you could also try restricting purchases to coupons and sale items. Buy foods like grains, oats and fruits in bulk, and preserve them in the freezer. Capitalize on BOGO deals, and to refer back to some of those impulse buys, cut back on high caloric, low nutrition expenses like soda and candy.
#2. Power downMake your home energy efficient. Small things like finding air leaks can greatly reduce heating and cooling expenses. So people go as far as unplugging appliances when not in use. In addition, minimizing the use of television and computers will inevitably lower costs, just like taking shorter showers and cooking meals in bulk to avoid using the oven or stove every day. Also, inquire with your energy company about a free energy audit that can find energy leaks, or check out a state service such as the California Home Energy Rating System.
52 californiaunemployment.org
While on UnemploymentAcquiring Healthcare
A variety of programs and measures have been enacted to help recipients of unemployment to receive better healthcare.
is available for anyone with low income, including children. The application is available online or at the local county human services office.
based HIPAA plan offers the ability to convert from a group plan to an individual plan. The Health Insurance Portability and Accountability Act (HIPAA) provides health insurance for those who received employer coverage and are not covered by Medi-Cal, or Medicare.
plan if they lose their job or full-time employment. This program kicks in if you have used up federal COBRA health coverage. Eligibility for the program requires that you have lost health care coverage through an employer. The California’s health care Help Center provides all the forms you need to sign up for this service.
is a program that offers private insurance though the Affordable Care Act. It allows you to compare prices among the best insurance companies. The program tries to provide the fullest range of options to allow applicants to choose what is best for their needs. When applying to this program, you will also find out if you are eligible for reduced or zero-cost Medi-Cal insurance. There are four levels of coverage with an extra minimal option for those under 30 with financial hardship. The enrollment period is between November 1st and January 31st, unless you have a special circumstance or condition. To complete the application, you will just need to have the birth dates, Social Security Numbers, immigration papers, and income documentation for each household member.
initiative helps people maintain their group health care
Medi-Cal Covered California Exchange
Covered California
Cal-COBRA
53californiaunemployment.org
MediCal Access program provides medical assistance for pregnant women living in California. The requirements state that an applicant cannot be enrolled in Medi-Cal or Medicare, or another insurance plan, and must have below a certain income. The program is limited according to available funding, but if you are denied on this basis, any payments you send will be refunded. The coverage lasts for 60 days after the pregnancy ends.
provides comprehensive medical insurance, including dental, for children between the age of 0 and 19 and who live in either San Mateo, San Francisco or Santa Clara counties.
MCAP
County Children’s Health Initiative Program (CHIP)
54 californiaunemployment.org
Unemployed in CaliforniaFinding Free Food While
Low income households need all the help they can get with food, which can be one of their biggest expenses. The following programs are available for all California residents meeting the requirements.
55californiaunemployment.org
CalFreshThe CalFresh program, also known as the federal Supplemental Nutrition Program (SNAP), is the main assistance program for unemployed residents. However, there are many other food assistance programs for low income individuals and households. The program provides funding for groceries at local stores and farmers markets.
Emergency Food Assistance ProgramThe California Emergency Food Assistance Program provides a network of food banks for low-income individuals and households. This program is particularly helpful if there are few choices for wholesome foods in your area. Food banks vary by location, but there are generally at least one in each county. The basic income required to qualify for this program is less than $17,820 for a household size of one, adding $6,240 for each additional household member.
California WIC ProgramThe Women, Infants and Children Program provides healthy meals to participants who are pregnant, new mothers or children under the age of five. Studies have found that tens of thousands of California residents who are eligible do not apply for this program. WIC also provides nutritional information about breastfeeding and finding community services.
The California Fresh Fruit and Vegetable ProgramThe California Fresh Fruit and Vegetable Program provides extra nutritious snacks throughout the day for students in school. This program focuses on fruits and vegetables since studies have found that they correlate with positive future health outcomes.
The Child and Adult Care Food Program The Child and Adult Care Food Program is for organizations providing professional care to children or adults. The program is available to organizations like private day care facilities, rehabilitation centers and emergency shelters that could use funding for nutritious meals.
56 californiaunemployment.org
Free Breakfast and Lunch for StudentsThe California School Breakfast and Lunch Program is a federally funded program that reduces the cost of school lunches. Each lunch is guaranteed to contain at least one third of the daily nutrition requirements. Qualifications are a maximum income of $29,637 per year for a household of 2, adding roughly $7,696 for each additional household member.
Free Milk for ChildrenThe California Special Milk Program is a program that provides financial assistance for milk for children while they are away from home at school, camp or childcare facility. Again, families with a household size of 2 may earn up $29,637 to qualifying. Visit the site for more program details.
California State Meal ProgramThe State Meal Program provides nutrition for children whose schools do not provide federal school lunch programs. California offers these schools nutritious low-cost or free meals. The California Department of Education Nutrition Services Division is responsible for administering the program.
In addition to all of the aforementioned programs, private Non-Profit organizations like the California Summer Meal Coalition provide healthy daily meal options for low-income households.
57californiaunemployment.org
