Find Out: Who Doesn't Get Unemployment Insurance?
Aug 16, 2022 By Susan Kelly


Who Doesn't Get Unemployment Insurance? Employees laid off for no fault of their own may be entitled to financial assistance under the Unemployment Insurance (UI) program run by the US Department of Labor. Although the program is administered at the state level, the act itself is federal. The state governments of those who qualify for these benefits send out weekly checks on their behalf; payroll taxes make these payments possible.

However, there are stringent requirements that must be met for unemployed persons to qualify for this insurance. The criteria for obtaining unemployment benefits have changed due to the COVID-19 virus epidemic. First put into effect as a result of the Coronavirus Aid, Relief, and Economic Security (CARES) Act's adoption in March 2020. The Consolidated Appropriations Act's passage gave rise to the extensions.

Who Qualifies for Unemployment?

UI benefits eligibility varies from state to state, but generally, you must satisfy one of the following requirements: be unemployed for no fault of your own. In most places, it is grounds for firing you if you quit your previous work because there aren't any other prospects. to meet labor and compensation requirements. You must meet the needs set forth by your state's qualifying period, which may include working the required minimum number of hours or earning the minimum necessary income. Observe any additional state requirements.

How Do I Apply for Unemployment?

The UI program in the state where the insured last had employment must be contacted regarding a claim for unemployment compensation. Depending on the legislation in your state, you might be allowed to submit a claim in person, over the phone, or electronically. You must include personal information such as your SSN and employment history in your application. You should contact the unemployment insurance agency in the state where you last had gainful work as soon as you can after losing your job. However, if you worked in more than one state or in a state other than where you currently reside, you need help submitting your claim with the other states through the state's unemployment insurance office.

Who Doesn't Qualify for Unemployment?

There may be other requirements that must be satisfied to be disqualified, depending on where you reside. Most states prohibit the following from qualifying for UI benefits:

Are fired as a result of improper behavior at work. While each state defines misconduct, it is generally accepted that anyone who deliberately disregards safety regulations, steals or embezzles, uses violence, or engages in any illegal activity may be barred from benefits. A positive drug test result can be used as justification for dismissal, just like any other kind of misconduct.

Being fired for personal reasons unrelated to work Employers may or may not be able to fire workers for improper behavior when off the clock, depending on the state. You might no longer be eligible for unemployment insurance as a result.

To decline a job that might have been a good fit for you. If you refuse a job offer comparable to the one you lost, you can lose your right to unemployment compensation. Some states have requirements for authorizing particular vocations, including payment, years of experience, and the possibility of workplace damage.

Application time is not worth it. You must submit your job applications weekly to the state's unemployment insurance program. You risk losing your eligibility for assistance if you don't offer this information on time or give up looking for work. They cannot, for whatever reason, complete their work. You risk losing eligibility if you cannot work due to maternity leave, a family emergency, a temporary disability, or any other cause. However, if you quit your job to care for your health or a family member's health, you can be eligible for benefits depending on the state.

Your right to separation pay exists. In some states, receiving severance disqualifies you from receiving unemployment benefits. If you get eight weeks of severance after quitting your job, you won't be able to get unemployment benefits for nine weeks. Fraudulently. You risk losing your benefits if you don't report changes in your income or employment situation. You can lose your financial help if you commit benefit fraud and might also be charged with a crime.


When applying for unemployment insurance benefits, we assess your position based on several factors. We need to know why you were unemployed and whether your most recent income exceeded the minimum required by law. Further requirements beyond initial eligibility must be satisfied to keep receiving benefits.