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| The Most Frequently Asked Questions About Unemployment Benefits in California Posted: 03 Jun 2020 10:06 AM PDT Laid-off workers, independent contractors, gig workers, freelancers, and self-employed individuals may be eligible to receive unemployment benefits from the Employment Development Department (EDD) of the State of California. Here are the four most important points covered in this article:
As part of the federal CARES Act, the new Pandemic Unemployment Assistance (PUA) program helps unemployed Californians who are business owners, self-employed, independent contractors, gig workers, have limited work history; and others not usually eligible for regular state UI benefits who are out of business or whose services are significantly reduced as a direct result of the pandemic. In this article, I try to provide answers to many of the frequently asked questions about the California unemployment benefits process. Many of these questions and answers are derived from the EDD website, with appropriate links to the EDD page where updated information may be posted from time to time. But the EDD website is sometimes confusing and spread out, so I have attempted to bring some order and clarification to the questions and answers. The questions and answers are categorized into the following major sections: A. Eligibility for California Unemployment Insurance Benefits for Employees B. How Much You Are Entitled to in Unemployment Benefits in California C. Filing an Unemployment Insurance Claim in California If You Were an Employee and Laid Off D. Unemployment Benefits for Independent Contractors, Gig Workers, Self-Employed Individuals and Freelancers in California E. Checking the Status of Your Unemployment Claim in California F. Reopening an Unemployment Insurance Claim in California G. Appealing an Adverse Decision on an Unemployment Claim H. How To Get Your Unemployment Benefits Paid—The EDD Debit Card I. California Training Benefits for Individuals Receiving Unemployment Benefits J. Additional Resources Available on California Unemployment Benefits K. Contact Information for the EDD on Unemployment Claims A. Eligibility for California Unemployment Insurance Benefits for Employees1. What are the requirements to be able to file a claim for unemployment insurance benefits in California as a laid off employee?To receive Unemployment Insurance (UI) benefit payments in California, you must meet all eligibility requirements when filing a claim and when certifying for benefits (which you must do weekly). When filing for UI benefits in California, you must have earned enough wages during the base period to establish a claim, and be:
A base period is a specific 12-month term the EDD uses to see if you earned enough wages to establish a UI claim. To learn how EDD determines your base period, review How Unemployment Insurance Benefits are Computed (DE 8714AB) (PDF). Your weekly benefit amount ranges from $40 to $450, plus $600 a week in PUA benefits if you are eligible. To get an estimate of what you will receive, use the UI Benefit Calculator. For more information about how the EDD calculates a UI claim, review the following resources:
Source: https://edd.ca.gov/Unemployment/Eligibility.htm 2. What are the weekly certification requirements for unemployment benefits in California?To receive Unemployment Insurance (UI) benefits, you must provide the EDD eligibility information every two weeks. This is known as "certifying" for benefits. You must also meet all weekly eligibility requirements. For help answering the certification questions, review this EDD page: https://edd.ca.gov/Unemployment/Understanding_the_Continued_Claim_Certification_Questions.htm If you stopped claiming benefits, even for one week, you will need to reopen your claim. If your claim has expired, you will need to file a new claim. Important: If you withhold or give false information to receive benefits, such as not reporting work or wages, you are committing fraud. Penalties may include a loss of benefits, a false statement disqualification, and/or criminal prosecution. Submit your certification using one of the following:
To avoid common errors and reduce payment delays, certify online or by phone. UI Online is the fastest way to certify for benefits and report work and wages. If you don't have work or wages to report, you can use UI Online Mobile from your smart phone or tablet. To get started, log in to Benefit Programs Online and select UI Online or UI Online Mobile. Check the Notifications section of your homepage. If weeks are available, select Certify for Benefits and answer all questions. If no weeks are available, the system will tell you when to check again and will send you an email reminder. Note: The Work Search Record screen is optional and provides a helpful tool to record your work search efforts. To skip this screen, select Next. This is a confusing screen as the EDD has suspended the requirement to search for work during the pending of the pandemic. You will receive a confirmation number when your certification has been successfully submitted. Keep this number for your records. Sources: https://edd.ca.gov/Unemployment/Eligibility.htm; 3. I was fired from my job. Will I be eligible for UI benefits?If you were fired from your job, the EDD may conduct a phone interview with you and your employer approximately two weeks after you file your claim to determine if you are eligible for UI benefits. But most likely they will review your filing on UI Online to make a determination. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 4. I just quit my job. Will I be eligible for unemployment benefits?Not likely. If you quit your job, the EDD may conduct a phone interview with you and your employer about two weeks after you file your claim to determine if you are eligible for UI benefits. If you quit your job, you must show that there was good cause for leaving, and that you made all reasonable attempts to keep your job (such as requested a leave of absence or transfer). Note: Good cause can include unsafe working conditions, a medical doctor's advice, or protecting yourself or your child from domestic violence. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 5. What if I lost my job and cannot work because of a disaster?If you are unemployed due to a disaster (COVID-19 qualifies as a disaster), you may be eligible for UI benefits or Disaster Unemployment Assistance. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 6. Can I attend school or training and receive UI benefits?If you are qualified, the California Training Benefits (CTB) program allows you to continue receiving benefits while in training that is approved by the EDD. For more information, review:
If you attend school or training and are not eligible for the CTB program, you may still qualify for UI benefits if you continue to be available for work and actively seek work. For more information, see Section I of this article ("California Training Benefits for Individuals Receiving Unemployment Benefits"). Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 7. What if I am sick or injured? Can I get unemployment benefits?If you are not eligible for UI benefits because you are sick or injured, you can file a claim for Disability Insurance instead of unemployment benefits. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 8. What if I am taking care of a seriously ill family member or bonding with my new child and cannot work?If you are caring for a family member or bonding with a new child, you can file a claim with California's Paid Family Leave (PFL) program. Caring for a new child includes the birth of a child, adoption, or foster care placement. Note: You cannot receive PFL benefits for the same period of time you receive UI or Disability Insurance benefits. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 9. How does vacation pay or holiday pay affect my eligibility to receive UI benefits?If you were given a definite return-to-work date at the time you were laid off, EDD may deduct vacation or holiday pay from your benefits.
Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 10. I received a Notice of Determination (DE 1080CZ) and I am not eligible for unemployment benefits. What should I do?You have the right to file an appeal if you do not agree with all or part of the decision. For more information, visit Unemployment Insurance Appeals. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 11. I'm not a U.S. citizen. Can I collect unemployment benefits?To collect UI benefits, you must show that you were in satisfactory immigration status and authorized to work in the United States when earning the wages you used to establish your claim. You must also give proof that you are currently in satisfactory immigration status, and are authorized to work each week that you claim benefits. Note: The EDD verifies immigration status and work authorization through the Department of Homeland Security. Source: https://edd.ca.gov/Unemployment/FAQ_-_Eligibility.htm 12. Would I qualify for unemployment benefits if I choose to stay home from work due to underlying health conditions and concerns about exposure to the coronavirus?You can be eligible for benefits if you choose to stay home. Once you file your claim, the EDD will contact you if they need more information. Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 13. Are unemployment benefits available if my employer reduces my hours or shuts down operations due to the impact of the coronavirus?If your employer reduced your hours or shut down operations due to COVID-19, you are encouraged to file an Unemployment Insurance (UI) claim. UI provides partial wage replacement benefit payments to workers who lose their job or have their hours reduced, through no fault of their own. Workers who are temporarily unemployed due to COVID-19 and expected to return to work with their employer within a few weeks are not required to actively seek work each week. However, they must remain able, available, and ready to work during their unemployment for each week of benefits claimed and meet all other eligibility criteria. Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 14. Can I collect unemployment benefits if I am able to work remotely from home?Working your full normal hours remotely would not qualify you for benefits. However, you could collect some unemployment insurance benefits if your usual number of work hours are reduced through no fault of your own. The first $25 or 25% of your wages, whichever is the greater amount, is not counted as wages earned and will not be reduced from your UI weekly benefit amount. For example, if you earned $100 in a week, the EDD would not count $25 as wages and would only deduct $75 from your weekly benefit amount. For someone who has a weekly benefit amount of $450, they would be paid a reduced amount of $375. Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 15. Can I collect disability and unemployment benefits at the same time?You have the right to apply and file a claim for unemployment and disability benefits at the same time, but you can only collect payments under one benefit program at a time. You're encouraged to file a claim under one program based on your circumstances or file under both programs if you are unsure of which program is most appropriate. The EDD will review the facts and determine your eligibility for the appropriate program. Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 16. Will I be eligible for unemployment benefits if I answer “no” to the question about looking for work on my certification for ongoing payments?This is a tricky question, and it may be safer to just answer “yes” to the question if you are doing some minimal effort to find work. But the EDD says: “You should answer the question truthfully. Given the unique economic situation and lack of available work created by COVID-19, the EDD has been able to adjust our usual eligibility requirements to allow us to automatically process a large volume of claims. You will not be penalized if you answer "no" to the question about looking for work and will be paid benefits for that week if you meet all other eligibility requirements.” Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 17. If my account says “pending” after I certify for benefits, what does that mean? How long will I need to wait, and is there anything I can do to speed up my receipt of benefits?After a claimant certifies for benefits through UI Online, the EDD sets the certification to "pending" in the system. This is because the EDD must review your responses to the certification questions in order to determine your continued eligibility for UI benefits, as required by law. Although the online system may do this automatically depending on your claim and how you responded to the eligibility questions, in some cases the certification must be reviewed by EDD staff. Once your certification is reviewed (either automatically or by staff), your benefits payment can be processed. The EDD has several instructional YouTube videos and materials to help guide claimants through the federally required certification process. You can refer to the Certifying for UI Benefits page for more information. Source: https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm 18. My employer furloughed me when the business closed due to the COVID-19 stay-at-home order. I am currently receiving regular unemployment insurance (UI) benefits. My employer is reopening and has asked me to return to work. Will I lose my regular unemployment benefits if I refuse to work because I am afraid of contracting COVID-19 in the workplace?An individual is disqualified for UI if they refuse to accept "suitable" employment when offered. Under California law, the EDD will consider whether the particular work is "suitable" in light of factors such as the degree of risk involved to the individual's health and safety. For example, if your employer has complied with the state's requirements for reopening, and any and all government safety regulations, you may not have good cause to refuse to return to work and could be disqualified from continuing to receive regular UI benefits for a designated period of time. 19. What if I get unemployment payments, but the EDD determines later that I was not eligible?The EDD may assess an “overpayment” and demand the money back. If the EDD believes you intentionally made false statements in your claims application, you could face a penalty and forfeit future benefits. But providing information you believe in good faith should not result in a penalty. You may receive a Notice of Overpayment (DE 1444) because you were paid Unemployment Insurance (UI) benefits that you were not eligible for. Visit Benefit Overpayment Services for information on how to repay an overpayment. The EDD classifies overpayments into two categories: "fraud" or "non-fraud":
If you do not repay your overpayment quickly, the EDD can deduct the money from your future UI or State Disability Insurance benefits. The EDD can also:
Source: https://edd.ca.gov/Unemployment/Overpayments.htm 20. If I earn any wages while collecting unemployment benefits, how will that affect my benefits?Some unemployed workers may find opportunities for odd jobs, temporary work assignments, or part-time work while collecting Unemployment Insurance (UI) benefits. If you were not fully-employed during the week in which you worked, you may be able to receive reduced UI benefits even if your earnings are higher than your weekly benefit amount as long as you meet all other eligibility criteria. You must report any wages on your claim forms for the week in which you earned the wages, even if you weren't paid for that work until later. Your gross wages are required (total without the payroll deductions), and the EDD will figure the amount of wages to deduct from your weekly benefit amount. A total of $25 or 25% of those earnings, whichever is higher, is not considered deductible from your benefits. Any wages beyond that will be deducted from your weekly benefit amount and you will be paid the difference, if any. If you earn too much money in a week to receive any UI benefits, the UI benefits remain in your claim to collect at a later time during the benefit year of your claim, as long as you remain unemployed and eligible. If you accept full-time work for two weeks or longer, your claim will become inactive and no additional claim forms will be mailed. If you become unemployed again, you must submit a new application for benefits. The easiest way to do so is to submit your application online through EDD's website at www.edd.ca.gov. Source: https://www.sdcl.org/PDF/UI_FAQ_Tips.pdf 21. How are school employees and teachers treated with respect to unemployment benefits?The EDD site at https://www.edd.ca.gov/Unemployment/FAQ_-_School_Employees.htm answers the following questions about teachers and school employees:
Source: https://www.edd.ca.gov/Unemployment/FAQ_-_School_Employees.htm 22. Do I need to search for work in order to continue getting unemployment benefits?Due to the coronavirus crisis, the EDD has stated that you do not need to follow the usual rule that you need to search for work each week to be eligible for unemployment benefits. That could change in the future. Source: https://edd.ca.gov/Unemployment/Eligibility.htm 23. Do I qualify for unemployment benefits if I am getting paid by my employer using a Paycheck Protection Program (PPP) loan?No, you can't get paid by an employer from a PPP loan and still collect unemployment benefits. PPP loans are to be used to help companies pay their worker salaries and other business expenses. B. How Much You Are Entitled to in Unemployment Benefits in California1. If I am a laid-off employee, how much in unemployment benefits am I entitled to?The normal amount you are entitled to for unemployment benefits ranges from $40 per week to $450 per week, plus the $600 per week provided by the Federal CARES Act (PUA). The EDD has an online calculator at (https://edd.ca.gov/Unemployment/UI-Calculator.htm) to help you determine the exact amount. Once you file your claim, the EDD will verify your eligibility and wage information to determine your weekly benefit amount (WBA). For more information, refer to How Unemployment Insurance Benefits Are Computed (PDF) or the Unemployment Insurance Benefit Table (PDF). Source: https://edd.ca.gov/Unemployment/UI-Calculator.htm 2. How much can independent contractors, gig workers, self-employed individuals, or freelancers get in PUA/unemployment benefits?In order to provide benefits as quickly as possible, payments will be issued by the EDD in phases. If you qualify for PUA (described later in this article), the initial payments you will receive are as follows:
If you qualify for your claim to be backdated to an earlier PUA effective date based on your last day of work, you could receive payment for prior weeks you were unemployed due to COVID-19. You will be required to provide the EDD eligibility information every two weeks. This is known as "certifying" for benefits. After these initial payments, depending on your prior earnings, your weekly amount of $167 per week may be increased. You will have an opportunity to certify your prior income on your PUA application. The EDD is working to establish efficient procedures to determine if an increase to the weekly PUA amount will be appropriate after an individual receives the initial weekly amount. In addition to applying to future benefits, any increase from the $167 amount also applies retroactively. This means that you may also receive payment to make up the difference you should have been paid if your benefits had initially been based on the increased amount. You will be notified of any increase that you are entitled to receive. Example: If you applied for PUA on April 28, 2020, the first day it was available, and you certified you were unemployed due to COVID-19 since March 8, 2020, you have been unemployed for seven full weeks. If you meet the COVID-19-related criteria for PUA, EDD will calculate your amount as follows: March 8 to March 28 = 3 weeks x $167/week = $501 TOTAL: $3,569 (from March 8 to April 25) Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 3. When will the extra $600 a week in benefits from the federal government expire?The additional $600 per week in benefits provided by the federal government through the CARES Act (PUA) is effective until July 31, 2020. There have been discussions and legislation proposed to extend that date, but nothing has passed yet. 4. Are unemployment insurance benefits taxable to the recipient?Yes, they are taxable at the federal level at the ordinary income rate. But for your California tax return, unemployment benefits are not taxable. You should receive an IRS Form 1099-G at the end of the year. At the time you make an unemployment claim, you have the option of having tax withheld from each payment. Source: https://www.ftb.ca.gov/file/personal/income-types/unemployment.html 5. How long do unemployment benefits last?California pays unemployment benefits for 26 weeks. The CARES Act extended benefits by time as well as money, adding an extra 13 weeks. 6. If I make some money from self-employment, piece work, odd jobs, back pay, or other work, does that reduce my unemployment benefit payments?You are required to report to the EDD if you earn any “wages” from a host of categories: self-employment, gig work, back pay, bonuses, commissions, jury duty pay, etc. See “What are wages?” at the EDD site. If you do report such wages, the EDD site has a formula and examples of how your unemployment benefits could be reduced. 7. What is IRS Form 1099-G: Statement for Recipients of Unemployment Compensation Payments?In January of each year, the EDD mails a copy of IRS Form 1099-G to each person who was paid unemployment benefits during the previous calendar year. The amount shown on the IRS 1099-G form includes all benefits paid to you during the previous tax year. The total also includes benefits you may have paid back because of an overpayment. If you repaid benefits, you do not include the amount repaid in the total you report to the IRS on your tax return. However, you need to make this adjustment when you file your tax return. You use the information on Form 1099-G to prepare your tax return, along with any other 1099 forms you may have received, plus any W-2 forms from employers you worked for. The 1099-G form will be sent to your last known address, so keep your address current with the EDD. C. Filing an Unemployment Insurance Claim in California If You Were an Employee and Laid Off1. When should I file an Unemployment Insurance (UI) claim?File your UI claim in the first week that you lose your job or have your hours reduced. Your claim begins on the Sunday of the week you submitted your application. If you previously filed a UI claim within the last 52 weeks and have not exhausted your benefits, you must reopen your claim to resume benefits. Waiting to file can delay your benefits. Source: https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 2. What information do I need to file an unemployment claim in California if I am a laid-off employee?You will need to provide your personal information and your:
Tip: Use How to Set Up a UI Online Account (DE 2338H) (PDF) to collect the information you need to complete the process. Source: https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 3. How do I file an unemployment claim in California online?UI Online is the fastest and most convenient way to file your unemployment insurance claim. UI Online Mobile is available for smartphone and tablet users. You can file your claim through UI Online during the times (Pacific time) listed below:
Source: https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 4. How can I file an unemployment claim in California by phone?Phone lines to the EDD have been extremely busy. But if you want to try and file an unemployment claim by phone, here is the information, but expect to incur long waits. To file a claim or for payment information, representatives are available at the following toll-free numbers, Monday through Friday from 8 a.m. to 12 noon (Pacific time), except on state holidays: English 1-800-300-5616 For general program questions or technical help, including registration, password resets, EDD Account Number, and how to use UI Online, contact EDD at 1-833-978-2511 from 8 a.m. to 8 p.m. (Pacific time), 7 days a week, except state holidays. Source: https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 5. How can I file an unemployment claim in California by mail or fax?File your UI claim by accessing the paper Unemployment Insurance Application. For faster and secure processing, fax the completed application to the number listed on the form. If you mail your application, use the address listed on the form and allow additional time for processing. You can contact your local America's Job Center of California (AJCC) for help with mailing or faxing a paper UI application. The fastest way to apply is still through UI Online. Select one of the following UI applications that best describes your employment. If you have been affected by a disaster, complete the disaster section of the UI application:
Source: https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 6. What is the California Unemployment Insurance Online (UI Online) system?UI Online is California’s web-based system for individuals to apply for and manage unemployment benefits, found here for computers and laptops and from here for access from mobile devices. The UI Online system allows you to:
Note: It may be necessary to send some documents via U.S. mail. *Customers on Partial or Work Sharing claims are unable to certify for benefits or reopen an existing claim using UI Online at this time. Source: https://edd.ca.gov/Unemployment/UI_Online.htm 7. What should I expect after I file my unemployment claim in California?You will be mailed important information about your claim and the UI program. Be sure to read and respond to all requests to avoid payment delays. For more information, refer to After You File a Claim. Important: Most UI customers are required to register for CalJOBS and create an online resume that can be viewed by employers. You must meet this requirement within 21 days of receiving your Notice of Requirement to Register for Work (DE 8405) form. Failure to meet this requirement can result in a delay or loss of UI benefits. Watch How to Register for CalJOBS and Post a Resume (YouTube) for more information. It normally takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers. If you choose to receive payments via an EDD Debit Card, Bank of America will mail you a card once benefit payments are available. Due to the high volume of claims being processed, it may take a few extra days to receive your EDD Debit Card. If you received Unemployment Insurance, Disability Insurance, or Paid Family Leave benefits on an EDD Debit Card in the last three years, you will receive your benefit payments on that card. If your card has expired, a new card will automatically be sent to you once funds are available. Note: If you were issued a card before 2015, you must request a new one. Visit Replace My Card on Bank of America's website or contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913). If you lost your EDD Debit Card, contact Bank of America as early as possible in the application process to request a replacement card before your first payment. Your new card will arrive 7 to 10 business days from the order date. You have a couple options to request a new card:
Note: Bank of America representatives cannot answer questions about your claim or pending payments. Payment information is updated daily and is available through your UI Online account or by calling the UI Self-Service Phone Line at 1-866-333-4606. For more information on the benefits of using an EDD Debit Card, delivery, activation, tracking payments, expired cards, and more, visit EDD Debit Card at the Bank of America website. See also Section H of this article (“How to Get Your Unemployment Benefits Paid—The EDD Debit Card”). D. Unemployment Benefits for Independent Contractors, Gig Workers, Self-Employed Individuals, and Freelancers in California1. Are Unemployment Benefits Available for Independent Contractors, Gig Workers, Self-Employed Individuals and Freelancers?As part of the federal CARES Act, the new Pandemic Unemployment Assistance (PUA) program helps unemployed Californians who are business owners, self-employed, independent contractors, have limited work history; and others not usually eligible for regular state UI benefits who are out of business or whose services are significantly reduced as a direct result of the pandemic. The provisions of the program include:
The PUA benefits are payable if you don't qualify for regular Unemployment Insurance (UI) benefits in California or another state, and also do not qualify for state Disability Insurance or Paid Family Leave benefits. This includes:
You can also be eligible if you qualified for regular UI benefits, but have already collected all of those benefits. If you are not a U.S. citizen, you can only be paid PUA benefits if you were legally working in the United States when you were affected by COVID-19. You can only claim benefits for the weeks that you were legally allowed to work. You must also meet one of the following criteria:
Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm 2. How do I apply for the PUA/unemployment benefits available to independent contractors, gig workers, self-employed individuals, or freelancers?You can file a PUA claim through UI Online, just as you would for regular Unemployment Insurance (UI) benefits. The EDD began accepting applications from new applicants on Tuesday, April 28, 2020. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 3. How much can independent contractors, gig workers, self-employed individuals, or freelancers get in PUA/unemployment benefits?See the answer under Section B ("How Much You Are Entitled to in Unemployment Benefits in California"), question 2 of this article. 4. Will I need to submit with my PUA application any documents to prove my income?No, you do not need to submit any documents to the EDD with your PUA application. You will enter your total income for the 2019 Calendar Year on the application. Initially, this will be used to pay the minimum benefits of $167 per week plus $600 per week from March 29 to July 25. If the income information you provide indicates that you meet an annual earnings threshold of $17,368 or more, the EDD will work as quickly as possible to verify your income using other resources available to the department in order to increase your PUA weekly benefit amount. If additional information is needed, the EDD will contact you. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 5. If the EDD contacts me and asks for proof of my income, what documents should I submit?The EDD will inform you of the documents you can submit. In general, you may submit items such as an annual tax return, 1099 forms, W-2s, pay stubs, or other documents that show your income. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 6. Which PUA applicants are eligible for an increase above the minimum of $167 a week?You may be eligible for more than the minimum weekly benefit amount of $167 if your annual income for 2019 that you report on your PUA application meets a minimum threshold. You will be required to substantiate that income if requested by the EDD. If you earned at or below this amount, you will remain at $167 per week. If you are entitled to more than the minimum, that higher amount will also apply retroactively to any weeks of the minimum $167 per week in PUA benefits that you receive. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 7. What should I do if I already filed a claim for regular Unemployment Insurance (UI) and I received a Notice of Unemployment Insurance Award showing $0 in benefits?If you filed for UI and received an award notice (which shows your weekly and maximum benefits amounts) indicating $0 in benefits available, it could be because of one of three scenarios:
You're self-employed or an independent contractor and have not paid contributions to the state Unemployment Insurance Trust Fund. As part of the federal CARES Act, the new Pandemic Unemployment Assistance (PUA) program helps unemployed Californians who are usually not eligible for regular state unemployment benefits and are unemployed or partially unemployed for reasons directly related to the COVID-19 pandemic, including business owners, the self-employed, and those with limited recent work history. Note: If you are one of the workers under question 3 above (self-employed or independent contractor) who received the $0 benefit award notice, and you have not requested a wage investigation as described in question 2 above, then you may apply for PUA by filing a new claim through UI Online. Source: https://www.edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 8. What should I do if I believe I am an employee (was misclassified as an independent contractor) but my claim for regular unemployment benefits was denied because I have insufficient earnings?If you believe you should be considered an employee but the EDD's wage investigation concluded there weren't sufficient earnings reported to substantiate a regular UI claim, then you will receive a form called a Notice of Status of Wages (this is different from a $0 benefit award notice). The Notice of Status of Wages indicates that you do not qualify for regular UI, and you may apply for PUA by filing a new claim through UI Online. If you believe the Notice of Status of Wages was in error, you have the right to appeal within 30 days. But if you appeal, then you should not apply for PUA. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs 9. I am already receiving regular Unemployment Insurance (UI) benefits. Can I choose to switch over to PUA benefits if I want to identify myself as an independent contractor or as self-employed?No. If you are already receiving regular UI benefits, then you cannot qualify for PUA benefits. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 10. What should I do if I don't know if I am eligible for regular unemployment insurance or PUA?UI Online is the EDD's application portal for both regular UI and PUA claims. All applicants will be asked the same basic questions, including about employment history and earnings information, along with some new questions needed to determine PUA eligibility. Based on your responses as well as wage information reported to the EDD, the EDD will determine if your claim is processed as a regular UI claim or a PUA claim. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 11. What if I am out of work due to COVID-19, have a small amount of W-2 income, and a large amount of income from self-employment? Can I not declare the W-2 wages and just rely on self-employment to get PUA?No, if EDD has wages reported from an employer over the last 18 months that would qualify you for a regular UI claim, then the EDD is required by law to proceed with a regular UI claim for you. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 12. If I already applied for UI but I meant to apply for PUA, what do I do?If you are self-employed, an independent contractor, or someone who may otherwise qualify for PUA, and you already filed for UI benefits (before April 28 when the PUA application was available), please read this information carefully to ensure you get the right benefits as quickly as possible:
It is important to note that if you qualify for a regular UI claim (for example, refer to I am already receiving regular unemployment insurance (UI) benefits. Can I choose to switch over to PUA benefits if I want to identify myself as an independent contractor or as self-employed?), then you may not file a PUA claim. However, you should look out for the following notices:
Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 13. I am unable to receive regular state Unemployment Insurance (UI) benefits because I had to serve penalty weeks or was found ineligible. Is there any other financial assistance that I can receive?You may be eligible to receive federal Pandemic Unemployment Assistance (PUA) benefits. The PUA program helps individuals who are not eligible for regular state UI benefits and who are unemployed, partially unemployed, unable to work, or unavailable to work as a direct result of a COVID-19 related reason. This includes individuals who cannot collect regular UI benefits because they are serving penalty weeks or were found ineligible for benefits due to certain legal reasons. For example, you may be eligible for PUA benefits if your unemployment is directly related to COVID-19, and you are ineligible for traditional UI benefits because you are serving penalty weeks or because you quit or were fired from a previous job. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 14. I’ve heard that UI benefits are only counted beginning on the day after I apply. If I’ve been unemployed since March, and I apply for unemployment benefits in April, can I get UI benefits back to the period since I became unemployed?When you apply for PUA benefits on UI Online, list the actual date of unemployment that directly resulted from COVID-19. The EDD will assess your eligibility for regular UI and PUA. If you qualify for PUA, your claim will begin effective the week when you became unemployed. If you apply for regular UI benefits, you will need to contact the EDD to request that the effective date for your claim be changed to the week when you became unemployed. In addition, the $600 per week in additional unemployment benefits that is available from March 29 through July 25, 2020, is also available even if you apply after March 29. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 15. I am applying for PUA through UI Online, and the application asks me to list my total income. Is this gross or net income, and why am I being asked for this information?When you apply for PUA, you will be asked for your total income received in calendar year 2019. The income you report may be used to increase your PUA weekly benefit amount from the minimum amount of $167 up to $450, based on your income (regardless of the amount of income you report, you will receive an additional $600 with your PUA weekly benefit amount for the weeks you were out of work due to COVID-19 from March 29, 2020 to July 25, 2020). If you are self-employed or an independent contractor, the law requires that the EDD look at your net income, total after taxes, to determine your PUA weekly benefit amount. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 16. I am primarily self-employed but have worked occasionally as an employee. What is the basis for not letting me get PUA just because I have some minimal income as an employee?The federal CARES Act, which created the PUA program, requires that an individual may only receive PUA benefits if they are not eligible for regular or extended UI benefits or Pandemic Emergency Unemployment Compensation (PEUC) benefits. This includes individuals who have exhausted all rights to such benefits, self-employed individuals, independent contractors, or those who have insufficient work history. Generally, if you have enough employee earnings (e.g., W-2 wages) that have been reported to EDD by an employer, you would be eligible for regular UI benefits (plus any additional or extended UI benefits, such as the $600 weekly benefit provided under the CARES Act). Because the existence of sufficient employee wages would make you eligible for regular UI, under federal law, you would not be eligible for PUA. But if your earnings as an employee are minimal, you will likely not qualify for UI, which means you would then be eligible for PUA if you have a COVID-19 reason for being unemployed. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance/faqs.htm 17. What ongoing “certification” requirements are there for independent contractors, gig workers, self-employed individuals, and freelancers?You will be required to "certify" for your benefit payments. Certifying is the process of answering basic questions every two weeks that tells the EDD you're still unemployed and otherwise eligible to continue receiving biweekly payments. Typically, it will take about a week after you certify before you receive your first benefit payment. If you are eligible for benefits, you may receive your first PUA payment in about two days if you have an existing EDD Debit Card (and there are no issues that require a further review of eligibility). New debit cards and checks are mailed within 4 to 7 days. Once you activate the card, you can track, use, and transfer your benefit payments. Source: https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm E. Checking the Status of Your Unemployment Claim in California1. How do I check on the status of my unemployment claim online?To check on the status of your unemployment claim, log in to UI Online. 2. How do I check on the status of my unemployment claim by phone?You can check on the status of your unemployment claim in California through an automated, self-service telephone system at 1-866-333-4606. This line is open 24 hours a day. For assistance while applying, you can call 1-833-978-2511, open from 8 a.m. to 8 p.m., 7 days a week, but the lines are often jammed. F. Reopening an Unemployment Insurance Claim in California1. What happens if you stop certifying for unemployment benefits?If you stop certifying for continued benefits, even for one week, your Unemployment Insurance claim becomes inactive. You must reopen your claim to request benefit payments. You can reopen your claim if it was filed within the last 52 weeks and you have not exhausted your benefits. If your benefit year has ended, you must file a new claim. Waiting to reopen or file a new claim can delay benefit payments. Source: https://edd.ca.gov/Unemployment/Reopen-A-Claim.htm 2. How can you reopen an unemployment claim in California?Via online: To reopen an employment claim online, UI Online is the fastest and most convenient way to reopen your claim. You can reopen your claim 24 hours a day, 7 days a week following the steps below: Step 1: Access your UI Online account Step 2: Select Reopen Your Claim Step 3: Answer all questions Step 4: Review and submit your answers Step 5: Check your status By phone: If you want to reopen your claim by phone, representatives are available at the following toll-free numbers, Monday through Friday, from 8 a.m. to 12 noon (Pacific time) except on state holidays.
By fax or email: If you want to reopen your claim by mail or fax, access the paper Unemployment Insurance Application. For faster and secure processing, fax the completed application to the number listed on the form. If you decide to mail your application, use the address on the form and allow additional time for processing. Source: https://edd.ca.gov/Unemployment/Reopen-A-Claim.htm 3. What should I expect after I reopen my unemployment claim?You will receive important information about your claim by mail. Be sure to read and respond to all requests to avoid payment delays. You will also receive a separate mailing with a Continued Claim Form (DE 4581). You must submit this form every two weeks to request your benefit payments. This process, known as certifying for benefits, provides the EDD with information to determine your eligibility. You may certify for benefits online, by phone, or by mail. (Allow at least 10 days for processing if certifying by mail.) Important: If you have opted out of receiving the paper Continued Claim Form (DE 4581), you will not receive a paper form in the mail. Instead, you will receive an email notification when it's time to submit your certifications through UI Online. See also this YouTube video on reopening your unemployment claim in California. Source: https://edd.ca.gov/Unemployment/Reopen-A-Claim.htm G. Appealing an Adverse Decision on an Unemployment Claim1. How do I appeal a decision from the EDD on my unemployment claim?You have the right to appeal the EDD’s decision to reduce or deny you benefits. You must submit your appeal in writing within 30 days of the mailing date on the Notice of Determination and/or Ruling (DE 1080CZ). You can download the Appeal Form (DE 1000M) (PDF) or use the copy included with the Notice of Determination that you receive. Mail your appeal to the return address shown on the decision notice. If you don't have a copy of the Appeal Form (DE 1000M), or cannot print a copy, you can write a letter to the EDD to notify the Department that you want to appeal the decision to reduce or deny you benefits. If you choose to write a letter, include all of the following information:
Source: https://www.edd.ca.gov/unemployment/appeals.htm 2. What happens after you file an appeal?The EDD’s Office of Appeals will notify you of the time and location of your hearing at least 10 days in advance. An Administrative Law Judge (ALJ) will conduct the hearing, and give employers and claimants a chance to present their evidence. Note: If you live outside of California, your appeal will be conducted by phone. While your appeal is pending, you must continue to certify for benefits. If you are found eligible, you can only be paid for periods which you have certified for, if you have met all other eligibility requirements. The ALJ will issue a written decision to you and your employer. The decision will include information about Filing a Second Level Appeal to the California Unemployment Insurance Appeals Board (CUIAB). H. How To Get Your Unemployment Benefits Paid—The EDD Debit Card1. What is the EDD Debit Card?If you choose to receive payments via a debit card, Bank of America will mail you a card once benefit payments are available. Due to the high volume of claims being processed, it may take a few extra days to receive your EDD Debit Card in the mail.
Note: If you were issued a card before 2015, you must visit Replace my Card or contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913) to request a new one.
Note: Bank of America representatives cannot answer questions about your claim or pending payments. Payment information is updated daily and is available through your UI Online account or by calling the UI Self-Service Phone Line at 1-866-333-4606. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 2. How can I get my EDD Debit Card replaced?If your card is lost, stolen, or damaged, it can be replaced at no cost to you. To have a replacement card mailed to you, you must contact Bank of America EDD Debit Card customer service by calling:
Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 3. Why are my benefits initially on a debit card and not immediately established as a direct deposit?The EDD Debit Card allows benefits to be paid to claimants who do not have a bank account and eliminates the need for the EDD to request and maintain bank account information for each claimant. Advantages of the debit card include ease of use, increased security, and efficient delivery of Disability Insurance, Paid Family Leave, and Unemployment Insurance (UI) benefit payments. You may choose to transfer some or all of your benefits to your checking or savings account by performing a direct deposit transfer. Information regarding direct deposit transfers is available on the EDD Debit Card page. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 4. When will I receive my EDD Debit Card?The EDD Debit Card is mailed to you when you certify for your first week of benefits and the payment is authorized by the EDD. Allow 5 business days for delivery. Subsequent payments are issued to the EDD Debit Card when you submit a certification and you are determined eligible for payment. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 5. How do I use my EDD Debit Card?Once you receive and activate your new debit card, you can then use the card immediately as you would a personal debit card. You can make purchases up to the amount available on your card anywhere Visa® cards are accepted. You can withdraw cash without charge at any Bank of America network ATM, and can make two free withdrawals per benefit deposit at non-network ATMs. You may also elect to walk into any financial institution that accepts Visa® and cash out the balance on the card. (Note: You'll need to keep close track of your card balance via phone or online tools if you wish to cash out an exact balance; bank tellers do not have access to your card account information.) In addition, you may also choose to have Bank of America conduct a direct deposit transfer of some or all of the available funds to your personal checking or savings account. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 6. What is a direct deposit transfer to my bank account?A direct deposit transfer is done electronically and transfers the money available on your EDD Debit Card account to your personal checking or savings account. Most can be done fairly quickly. After you receive and activate your card, contact Bank of America either online or by phone, 1-866-692-9374 (voice), or TTY 1-866-656-5913, to set up your direct deposit transfer. Important information about direct deposit transfers:
Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 7. How do I set up a direct deposit transfer to my checking or savings account?After you receive and activate your EDD Debit Card, contact Bank of America either online or by phone, 1-866-692-9374 (voice), or TTY 1-866-656-5913. You will need the following to set up a direct deposit transfer:
Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 8. Do I need an account with Bank of America to use my EDD Debit Card?No. You do not need a checking or savings account with Bank of America or any other financial institution to receive your benefit payments on the EDD Debit Card. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 9. Will the EDD view or track my transactions on my EDD Debit Card?Bank of America does not share information about card accounts or transactions with third party agencies for privacy reasons. As a normal practice, the EDD will only have access to information related to the amount of benefits deposited to your EDD Debit Card and the date those deposits are made. The exception to this practice is when UI and State Disability Insurance fraud is suspected and being investigated. In this case, transaction information will be made available to EDD investigators as part of the investigative process and could lead to disqualification of benefits with additional penalties and criminal prosecution. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 10. Will the EDD or Bank of America contact me to obtain personal information about my account?No. The EDD or Bank of America will never contact you under any circumstances to request confidential information about your EDD Debit Card. If you receive a call, email, or letter requesting confidential information about your account, such as your debit card number, PIN, or SSN, do not respond. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 11. Will my EDD Debit Card affect my credit score?No. The EDD Debit Card is not associated with a credit line and will not show up on your credit report. Your EDD Debit Card allows you to access your benefit payment funds from your EDD Debit Card account. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 12. Will I be charged fees to use my EDD Debit Card?Fees can be avoided with careful use of your card. When you receive your EDD Debit Card and welcome packet, thoroughly read your California Employment Development Department Debit Card Deposit Agreement and refer to the Schedule of Bank Fees section to ensure you understand any transaction and service fees that may apply to your card. Fees can be avoided by following the tips provided in the welcome packet. There are no fees for the following:
Fees may apply for the following:
Some merchants may charge a "convenience fee" or "surcharge fee" for debit card transactions. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 13. My EDD Debit Card is set to expire. How do I get a new card?A new EDD Debit Card will automatically be issued to you when your card is set to expire if there has been financial activity (deposit or transaction) in the last 90 days or you have a card balance of $20 or more. New cards will be mailed on the first business day of the month that the card is due to expire. You should receive a new card within 7 to 10 days after the mail date. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm 14. My EDD Debit Card has expired and a new card has not been issued. Where is my new card?A new EDD Debit Card will not be issued if there has been no financial activity (deposit or transaction) in the last 90 days and the account balance is $19.99 or less. For information about a new card after your card expires, contact Bank of America. Source: https://edd.ca.gov/About_EDD/FAQs_The_EDD_Debit_Card.htm I. California Training Benefits for Individuals Receiving Unemployment Benefits1. What is the California Training Benefits Program?If you are an Unemployment Insurance (UI) customer, California Training Benefits (CTB) allows you to continue your education, upgrade your skills, or learn a new trade while receiving UI benefits. Let the EDD know that you're interested in CTB when you file your claim. If you've already filed your claim, contact EDD online, by phone, or in-person at the nearest America's Job Center of California. To protect your potential right to a training extension (TE), contact UI to let EDD know that you are interested before your 16th week of benefit payments. If the maximum award of your claim is less than 16 weeks, you must contact EDD before your claim reaches a zero balance. Note: EDD does not pay any educational or training-related expenses, including tuition, fees, books, supplies, or transportation. However, there are state, federal, and employer assistance programs that may fund your school or training. To learn more about the available types of financial aid programs, visit Federal Student Aid. If you are approved for CTB, you will be excused from the requirements that you must be available for work, actively seek work, and accept work, while you complete your training. You may also be eligible for a TE which provides additional weeks of benefits while you complete your school or training. Source: https://www.edd.ca.gov/Unemployment/California_Training_Benefits.htm 2. What are the types of eligible training for the California Training Benefits program?You can choose from a variety of eligible training types for CTB including:
Source: https://www.edd.ca.gov/Unemployment/California_Training_Benefits.htm 3. What reporting is required to the EDD about your training?You are required to report your start date during the week you begin your school or training. This allows the EDD to begin the CTB approval process. To avoid payment delays, only report this one time. Source: https://www.edd.ca.gov/Unemployment/California_Training_Benefits.htm 4. Where can I get more information on the California Training Benefits?
J. Additional Resources Available on California Unemployment BenefitsEDD Information:
Videos:
Useful Web Articles:
K. Contact Information for the EDD for Unemployment Claims in California1. What are the various ways I can contact the EDD about my unemployment claim?Online: UI Online is still the fastest way to file your Unemployment Insurance (UI) claim. You can also ask questions about your claim using UI Online by selecting Contact Us at the top of your account homepage. UI General or Technical Support by Phone: Get help with general UI questions and technical help with registration, password resets, EDD Account Numbers, and how to use UI Online. Hours: 8 a.m. to 8 p.m. (Pacific time), 7 days per week, except state holidays. Phone number: 1-833-978-2511 (English and Spanish) UI Claims Support by Phone: Get help with filing a claim by phone or getting payment information. Hours: 8 a.m. to 12 noon (Pacific time), Monday through Friday except state holidays. Phone number: English: 1-800-300-5616 UI Automated Self-Service Line: Get information on how to file a new claim or reopen an existing claim and your last payment issued. You can also certify for benefits using EDD Tele-Cert, request copies of your 1099G tax information, and find your local America's Job Center of California. Hours: 24 hours per day, 7 days per week Phone number: English: 1-866-333-4606 Source: https://edd.ca.gov/About_EDD/Contact_EDD.htm Related Articles:
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