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Disability & Unemployment Benefits 

 

The federal government will pay the full salaries of furloughed workers who make average wages for up to four months under an emerging stimulus deal  The HIll –  Click this link to Learn More 

If you can’t work because of the quarantine, not that you are ill or that you are, check out the official EDD Webpage.

Reduced Work Hours

If your employer has reduced your hours or shut down operations due to COVID-19, you can 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 and available and ready to work during their unemployment for each week of benefits claimed and meet all other eligibility criteria. Eligible individuals can receive benefits that range from $40-$450 per week.

The California  Governor’s Executive Order waives the one-week unpaid waiting period, so you can collect UI benefits for the first week you are out of work. If you are eligible, the EDD processes and issues payments within a few weeks of receiving a claim. EDD Coronavirus *

LA Times on how to file 

3.8 Million filed last week, 30 million total COVID 19

Technical Website PROBLEMS  Issues – sounds like Health Care . Gov and Covered CA websites 

Problems for 1099 & Gig workers if they have W – 2 employee income  LA Times

CA will start sending $900 retroactive for the $300/week after the $600/week ended to those unemployed due to COVID  9.7.2020

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Unemployment Benefits under CARES Act – #Stimulus Package

 

The bill makes unemployment pay 100 percent of what people would earn on the job and, in some circumstances, they can get more money for not returning to work when the economy is back up.  Quirk in law would allow some employees to earn more $$$ for working less – read more in the LA Times.

Consider $600 a week is the pay before taxes for an employee who works 40 hours a week at $15 an hour, or 30 hours a week at $20 an hour. So not working will pay that person the $600 federal benefit on top of the regular benefit that CA provides.  So it is $600 a week if you work, and $900 a week if you do not. For the minimum wage person who makes $400 a week, the effect is more extreme. The unemployment program will pay more than twice as much as working. Benefits do max out at different levels in different states but, in most, even an employee who makes $800 a week can make about $200 more on this unemployment than working. * The Hill *

Under the CARES Act, employees may delay going back to work, businesses could feel more comfortable laying off people, and workers may be incentivized to quit their jobs or volunteer to be laid off

Unemployment benefits also aren’t subject to Social Security and Medicare taxes (7.65% total) and in many states aren’t subject to state and local tax — meaning unemployment pay is arguably worth more than typical wages, * CNBC *  National Employment Law Project * Los Angeles Times 4.9.2020 *

So, it looks like to get the Federal Benefits, you can just apply through the State of CA.

Under the new CARES Act responding to the COVID-19 pandemic, all states will be allowed to provide up to 13 additional weeks of federally funded extended benefits to people who exhaust their regular state benefits.

Under the Act, through the end of this year, people who exhaust both regular and extended benefits, and many others who have lost their jobs for reasons arising from the pandemic but who are not normally eligible for UI in their state, are eligible for Pandemic Unemployment Assistance. People can receive a maximum of 39 weeks of benefits this year from all three sources combined. CBPP.org

Program ends July 31, 2020, LA Times on if it will be extended.

 

See FAQ about if you can get the extra $600 if you are on SDI 

 

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See our webpage on how unemployment compensation  & Disability gets counted for MAGI Income under Covered CA subsidies, get quotes.  Appoint us as your agent.

People who have lost work have options.

As businesses close down and the economy rapidly contracts, millions of people are losing their jobs or seeing their hours get slashed. If you’ve lost your job or had your hours reduced, here are some of your options.

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See our webpage on benefits, how to file, no waiting period, extra $600 for unemployment - coronavirus

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Taxation of Unemployment  *****  SDI

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26 comments on “Unemployment Compensation – Can’t find job – Corona Pandemic”

  1. Confusion between Net, Gross Income and MAGI Income. Nearly 1 million California’s will have to pay back unemployment benefits as they reported Net and not Gross Income.

    Benefits were supposed to be based on their net income in 2019. But in all the confusion of an unprecedented program, many reported their gross income instead.

    abc7news.com

    LA Times 12/20/2020

    Covered CA subsidies are based on Adjusted Gross Income + Social Security. https://individuals.healthreformquotes.com/subsidies/magi/

    Like President Trump said, Insurance is very complicated. VIDEO

    Reply

  2. Confusion between Net, Gross Income and MAGI Income. Nearly 1 million California’s will have to pay back unemployment benefits as they reported Net and not Gross Income.

    Benefits were supposed to be based on their net income in 2019. But in all the confusion of an unprecedented program, many reported their gross income instead.

    abc7news.com

    LA Times 12/20/2020

    Covered CA subsidies are based on Adjusted Gross Income + Social Security. https://individuals.healthreformquotes.com/subsidies/magi/

    Like President Trump said, Insurance is very complicated. VIDEO

    Reply

  13. I may be filing for unemployment (CA). Am currently receiving Medi-Cal. I cannot earn more than $1945 monthly $23,792 annual? Income Chart in order to qualify for MediCal.

    My concern is that EDD will take the highest earnings during the claim period and base my claim amount on that. Which is an issue, since there was one brief period last December when my monthly wages were slightly more than $1945, but soon readjusted to a consistent under-the-limit amount. I squared that with MediCal and I remained covered.

    But since being furloughed from my part time last Friday (due to my department closing amidst COVID-19), I was encouraged to file for UI.

    However, I am concerned that receiving that ‘artificially high’ claim amount would disqualify me from MediCal coverage. Something that I just cannot risk during these challenging times.

    Thanks for any info you can impart.

    Reply

    • I’m a taxpayer and I resent the government making incentives for people to not work to their potential!

      Why do I have to work extra hours, forgo vacations, etc. to allow others to not work to their potential?

      The Federal Government under the CARES act, may cover 100% of your lost income.

      If you do earn too much for Medi-Cal, there is Covered CA subsidies and cost sharing reductions, so that you would pay very little premium to get say a Silver 94 or 87 plan. Get quotes and benefits illustrations here.

      At least with Covered CA I make barely minimum wage to help people enroll and service their business. Medi Cal pays NOTHING!

      Here’s the fact sheet on how unemployment benefits are calculated Base Periods.

      It looks to me like everything gets averaged over the past year, not quarter. Please use EDD’s calculator and send me the results, if you want further help.

      edd calculator

      I put in $2k/month just for an example. Here’s what it said.

      Based on your reported information, your highest quarterly earnings were

      $6,000

      Your estimated weekly benefit will be

      $231

      This amount is just an estimate. Once you file your claim, the EDD will verify your eligibility and wage information to determine your weekly benefit amount. The actual amount will be mailed to you. For more information on the UI Program, visit the UI home page.

      So, when EDD is only paying 1/2, I don’t think you’re likely to go over what you earned last year. See above about the Federal Government filling in to make it 100%.

      I could use someone to telemarket employer groups. Did you want to send a resume?

      Reply

  14. I may be filing for unemployment (CA). Am currently receiving Medi-Cal. I cannot earn more than $1945 monthly $23,792 annual? Income Chart in order to qualify for MediCal.

    My concern is that EDD will take the highest earnings during the claim period and base my claim amount on that. Which is an issue, since there was one brief period last December when my monthly wages were slightly more than $1945, but soon readjusted to a consistent under-the-limit amount. I squared that with MediCal and I remained covered.

    But since being furloughed from my part time last Friday (due to my department closing amidst COVID-19), I was encouraged to file for UI.

    However, I am concerned that receiving that ‘artificially high’ claim amount would disqualify me from MediCal coverage. Something that I just cannot risk during these challenging times.

    Thanks for any info you can impart.

    Reply

    • I’m a taxpayer and I resent the government making incentives for people to not work to their potential!

      Why do I have to work extra hours, forgo vacations, etc. to allow others to not work to their potential?

      The Federal Government under the CARES act, may cover 100% of your lost income.

      If you do earn too much for Medi-Cal, there is Covered CA subsidies and cost sharing reductions, so that you would pay very little premium to get say a Silver 94 or 87 plan. Get quotes and benefits illustrations here.

      At least with Covered CA I make barely minimum wage to help people enroll and service their business. Medi Cal pays NOTHING!

      Here’s the fact sheet on how unemployment benefits are calculated Base Periods.

      It looks to me like everything gets averaged over the past year, not quarter. Please use EDD’s calculator and send me the results, if you want further help.

      edd calculator

      I put in $2k/month just for an example. Here’s what it said.

      Based on your reported information, your highest quarterly earnings were

      $6,000

      Your estimated weekly benefit will be

      $231

      This amount is just an estimate. Once you file your claim, the EDD will verify your eligibility and wage information to determine your weekly benefit amount. The actual amount will be mailed to you. For more information on the UI Program, visit the UI home page.

      So, when EDD is only paying 1/2, I don’t think you’re likely to go over what you earned last year. See above about the Federal Government filling in to make it 100%.

      I could use someone to telemarket employer groups. Did you want to send a resume?

      Reply

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