If you have lost your job due to the COVID-19 pandemic, you may be eligible for unemployment insurance benefits in Texas. However, navigating the Texas Workforce Commission’s (TWC) unemployment insurance program can be confusing and overwhelming. In this article, we will break down the basics of Texas unemployment insurance, eligibility requirements, how to apply, and frequently asked questions.
What is Texas Unemployment Insurance?
Unemployment insurance is a temporary financial assistance program that helps eligible workers who have lost their jobs through no fault of their own. The program is designed to provide financial assistance while workers search for new employment opportunities.
In Texas, the unemployment insurance program is administered by the Texas Workforce Commission (TWC). The program is funded by employers who pay taxes on their payrolls, and there are no deductions from employees’ wages to fund the program.
Eligibility Requirements for Texas Unemployment Insurance
To be eligible for unemployment insurance benefits in Texas, you must meet the following requirements:
- You must be unemployed through no fault of your own.
- You must have earned enough wages in the base period (the first four out of the last five completed calendar quarters) to establish a claim.
- You must be able and available to work and actively seeking work.
- You must register for work search on WorkInTexas.com within three business days of filing your claim.
- You must not refuse suitable work when offered or fail to accept suitable work when referred by TWC.
- You must not be receiving paid leave or have the ability to work full-time hours.
If you meet the eligibility requirements, you can apply for unemployment insurance benefits online at www.twc.texas.gov or by calling TWC Tele-Center at 800-939-6631.
How to Apply for Texas Unemployment Insurance
To apply for unemployment insurance benefits in Texas, you will need to have the following information ready:
- Your Social Security Number
- Your Texas driver license or ID card number, if you have one
- Your employment history for the last 18 months, including company names, addresses, and phone numbers
- The reason you lost your job
- Your bank routing number and account number for direct deposit
You can apply for benefits online at www.twc.texas.gov or by phone at TWC Tele-Center at 800-939-6631. You will need to create a TWC account to submit your claim online.
Texas Unemployment Insurance Benefit Amounts
The amount of your weekly benefit payment in Texas is based on your past earnings. TWC calculates your weekly benefit amount by dividing your earnings during the highest quarter of your base period by 25, up to a maximum of $521 per week.
You may also be eligible for additional Federal Pandemic Unemployment Compensation (FPUC) benefits of $300 per week from December 27, 2020, through March 13, 2021, if you receive at least $1 in regular unemployment insurance benefits.
How Long Does Texas Unemployment Insurance Last?
You can receive unemployment insurance benefits for up to 26 weeks in Texas. However, during times of high unemployment, the federal government may extend the duration of benefits by up to 20 weeks.
Texas Unemployment Insurance FAQs
Question |
Answer |
How long does it take to receive Texas unemployment insurance benefits? |
The processing time for unemployment insurance claims in Texas can vary, but it typically takes two to three weeks to receive your first payment after you file your initial claim. Make sure to request payment every two weeks and continue to meet eligibility requirements to receive benefits. |
What if I am self-employed or an independent contractor? |
Under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, self-employed individuals and independent contractors may be eligible for Pandemic Unemployment Assistance (PUA) benefits. You can apply online at www.twc.texas.gov. |
What if my employer disputes my unemployment claim? |
If your employer disputes your unemployment claim, TWC will schedule a hearing to determine your eligibility for benefits. You will have the opportunity to present your case and provide evidence to support your claim. |
What if I am called back to work but am afraid to return due to health concerns? |
If you are called back to work but are afraid to return due to health concerns related to COVID-19, you may still qualify for unemployment insurance benefits if you have a medical reason or a government quarantine order that prevents you from working. |
What if I move out of Texas? |
If you move out of Texas, you should continue to request payment every two weeks and meet eligibility requirements. However, you may be required to register for work search in your new state of residence. |
Conclusion
If you have lost your job due to the COVID-19 pandemic, Texas unemployment insurance benefits may provide temporary financial assistance while you search for new employment opportunities. Make sure to review the eligibility requirements, apply online or by phone, and continue to meet eligibility requirements to receive benefits. If you have any questions or concerns about your unemployment insurance claim, contact the Texas Workforce Commission for assistance.
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