How do I apply for unemployment? This is the question often asked by people who lost their jobs without their own fault or left their job due to valid reasons. Unemployment benefits are not charity but are insurance. To fund this national program, employers are required to pay a special tax.

If you are unemployed, you can ease the burden of your daily expenses and paying your bills by filing unemployment insurance benefits. When filing for unemployment insurance, you have to apply either in person, through the phone or online immediately after you lost your job. Get all the requirements like employment dates and address of your previous employer. You also have to determine your eligibility. The average time to collect unemployment checks is 26 weeks but in a recession, the government could extend it up to 52 weeks.

Once your application has been approved, to continue receiving your benefit, you have to file a claim weekly or biweekly, depending on the requirements of your state and report any earnings that you received. You have to look or a new job while collecting your unemployment checks and you could be required to show proof that you are actively searching employment. You can decline or refuse a job that is unsuitable and could pose a risk to you and a job that does not fit with your skills.

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