Do unemployment benefits seem confusing? If so, you’re definitely not alone. The purpose of unemployment benefits is often misunderstood, leading to much confusion. Although specific eligibility criteria, benefit amounts and the length of time for which you can collect benefits are determined by individual state law, the purpose of unemployment remains the same across the board.

Unemployment insurance, which is actually funded by employers, provides money to workers who are unemployed due to no fault of their own. Workers must also meet certain requirements regarding time worked and wages earned during a specific period of time, according to their state.

Situations which could disqualify a worker from receiving unemployment insurance include: quitting without good cause and being fired for misconduct
Regular unemployment benefits are paid for a maximum of 26 weeks throughout most of the country. Typically, unemployment benefits amount to about half of your earnings, with a cap in place. Some states do have higher maximum benefit rates than others.

In some cases you may be able to qualify for what is known as extended benefits. This begins after the 26th week of regular benefits and can last for an additional 13 weeks. Extended benefits may be available to workers during times of high unemployment, but don’t count on it, because this isn’t always available.

Depending on your state you may be able to file online, over the phone or in person. Be aware that you will need some documentation to file your unemployment claim; including the name and relevant information for your employers for at least the last two years as well as your Social Security Number, mailing address, phone number and your Alien Registration Card if you are not a U.S. citizen.

Don’t be surprised for it to take a few weeks to receive your first check. Some states require a waiting period, which can account for the delay, as well as processing time. It is imperative that you file for unemployment as soon as you’ve been laid off. Waiting could cause even more of a delay in your benefits.

Keep in mind that you will need to continue to file weekly in order to continue receiving your benefits. Many states make this quite easy by providing the ability to do so by phone or mail.

In addition to weekly filing you will also need to make sure you file with your state’s job service in order to remain eligible to receive benefits. In the event that it is determined you are not actively seeking a job or you are not able, available or willing to work your benefits could be discontinued. Some states even monitor job search logs on a random basis to insure you are actively looking for work.

Be aware that individual circumstances can vary and requirements may also vary according to state law. If you’re not sure about your individual circumstances, contact your local workforce center.