If you suddenly lost your job because of a lay-off, the first thing you should do is to find out how to collect unemployment insurance.  Application for unemployment claims is done through the unemployment office of your state. The officer determines if you are qualified or not. When you qualify, the weekly benefits will be calculated. Nevertheless, it is beneficial to learn the computation process so you will be able to estimate your weekly obligations and expenses.

Calculate the possible WBR or weekly benefit rate, which is about 4 percent of the highest quarter wages. Find out the highest quarter where you received the highest pay and then calculate the earnings for that particular quarter. The unemployment claims is computed based on this amount. If you begin your claim in November of 2009, you have to use a base period from July 1, 2008 to June 30, 2009. The highest quarter of this period will be used in calculating your earnings. The maximum benefit rate you receive each week will require an earning of $8,875 for a $355 weekly check while the minimum benefit will require $1325 for a $53 check each week.

In case the partial gross income varies, make sure to calculate the unemployment benefits for every week. The benefit amount will vary if the gross income differs.

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