Check out Special Enrollment -
Change in Income,  Enhanced Silver (Cost Sharing Reductions)? * ARPA * COVID 19?

See if you are lucky and can find a special enrollment reason to re-enroll for coverage
See if you are lucky and can find a special enrollment reason to re-enroll for coverage

California #EDD Unemployment Benefits & Criteria 

Benefits Corona Virus

ARPA Covid #Stimulus March 2021
Silver 94 – ZERO Premium!

If you received unemployment benefits anytime in 2021, we can help you get Silver 94 with ZERO premium. Be sure to report your unemployment  to us or Covered California.  Be Careful when answering Income Questions!!!  MAGI Income can get quite confusing and one little error can put you in Medi Cal, loss of subsidies, loss of coverage, who knows???

Covered CA  will redetermine your eligibility on June 21st, so be sure to update your income & unemployment benefits by then. If eligible, you will receive the same benefits as someone with 138.1% FPLEnhanced Silver 94 Blue Shield * Covered CA Income Chart * Covered CA Broker Seminar 4.20.2021 * Section 9661 Part 7 Premium Tax Credit

VIDEO explanation of how the ARPA Silver 94 will work

unemployment income

Increase Financial Help for Consumers Who Receive Unemployment Compensation During 2021

For households in which the primary tax filer or their spouse receives or is approved to receive unemployment insurance benefits (UIB) for one (1) or more week in 2021, the FPL for the purposes of eligibility determinations for APTC Advanced Premium Tax Credit – Subsidies and Cost-Sharing Reductions (CSR) Enhanced Silver would be locked at 138.1% FPL.  View FPL Income Chart

Effectively, that means that—for any tax household in which the primary tax filer or their spouse received UIB for 1 week or more during 2021—any household income above 138.1% of FPL is disregarded for the purposes of financial help eligibility calculations. The FPL lock will apply to the APTC & CSR determination for all members of the tax household that are not otherwise determined eligible for Medi-Cal or CHIP programs and meet all other APTC program requirements.  Covered CA FAQ for Brokers *

See Kaiser Foundation Calculation Results  Their calculator asks if you received unemployment, while ours nor Covered CA does so yet. 

Watch Covered CA ARPA Announcement  VIDEO

Links & Resources  

Covered CA FAQ’s  

modernhealthcare.com/biden-backs-aca-expansion-next-relief-package-no-drug-pricing-reform

whitehouse.gov/fact-sheet-the-american-families-plan

Los Angeles Times Dear Liz FAQ 

Get Quotes

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, * CNBCNational 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 

 

Get FREE #Instant Individual & Family  California  Quotes - Including Tax Subsidy Calculation - Guaranteed Issue - No Pre-X Claus

Get FREE Instant Quotes - Including Tax Subsidy Calculation - Guaranteed Issue - No Pre-X Clause

Full Instructions to use Individual Quote Engine
Takes all the complexity out of CFR §1.36B-3 *

how to get quote - full instructions video by steve

California #EDD Unemployment Benefits & Criteria 

Benefits Corona Virus

 

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

EDD on Cares Act

FAQ’s

on EDD Website 

California Paid Family #Leave
(EDD Website)

PFL Home  |  About  |  FAQ  |  Forms  |  SDI Online  |  Contact

 

 

EDD’s site that tells about family leave if you take time off to care for an ill family member. The page tells you just about everything you need to know. How to file a claim, check on the status and manage a claim, calculate your benefit.
PFL has a maximum of 6 weeks.

Here’s EDD’s FAQ Page

How much money can I receive through PFL?

Benefit amounts range from $50 to $1,216 per week and represent approximately 60 to 70 percent (depending on income) of wages earned 5 to 18 months prior to your claim start date. Visit the Calculating PFL Benefit Payment Amounts page or try the Weekly Benefit Amount Calculator tool to estimate your benefit amount.

Note: Beginning January 1, 2018, Assembly Bill 908 (Chapter 5, Statutes of 2016) increases the Disability Insurance and PFL wage replacement rate to approximately 60 to 70 percent (depending on income) and removes the 7-day waiting period for PFL. This applies to claims with a start date of January 1, 2018 or after.

 

Federal Family Leave Act (FMLA)  Dept. of Labor Site

Families First Coronavirus Response Act: Employee Paid Leave Rights

Visit DOL Pandemic Site

Employee Guide Federal Family Leave 20 pages DOL

latimes.com/new-california-workplace-laws-covid-19-safety-more 

Los Angeles times article about paid family leave for a newborn infant being paid from social security
http://www.latimes.com/business/hiltzik/la-fi-hiltzik-family-leave-20180129-story.html

ca parental leave increase 1 2018
http://www.edd.ca.gov/Disability/About_PFL.htm

Technical Links

CA  Paid Family Leave Act §3300-3306
SB 1661 2002

 

CHAPTER 28—FAMILY AND MEDICAL LEAVE  – Federal

  • § 2601. Findings and purposes
  • SUBCHAPTER I—GENERAL REQUIREMENTS FOR LEAVE (§§ 2611—2619)
  • SUBCHAPTER II—COMMISSION ON LEAVE (§§ 2631—2636)
  • SUBCHAPTER III—MISCELLANEOUS PROVISIONS (§§ 2651—2654)

Check out Special Enrollment -
Change in Income,  Enhanced Silver (Cost Sharing Reductions)? * ARPA * COVID 19?

See if you are lucky and can find a special enrollment reason to re-enroll for coverage
See if you are lucky and can find a special enrollment reason to re-enroll for coverage

Resources

Employment Resources

Health Resources

 

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

More Information

Gig Workers  

Fraud

Another article  *  1  * 2 * Prisoner Fraud * Problems * What if $600 ends?  *  Freelancers *

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

 

unemployment benefits fraud in California could total $2 billion,

Is this the biggest heist in history, at least in California? Well, that’s what the Sacramento County district attorney said

https://www.latimes.com/california/story/2020-12-12/california-unemployment-benefits-fiasco

 

 

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.

SNAFU - Situation Normal - All Fouled Up
snafu

I learned the word SNAFU  Situation Normal, All Fouled Up  in the dorm, when I attended San Diego State in the early 70's and earned a degree in Insurance.  In all that time, I've never been able to use the word in a sentence, until last 10.1.2013, when Covered CA.com, Health Care.Gov nor the Insurance Company Websites or my own Quote Engine that I pay around $250/month for were supposed to launch, but did not do it properly.

Kaiser #Foundation Calculation

For some reason, they show and ask about Unemployment while Covered CA nor our Quote Engine do, yet.

Kaiser Foundation unemployment ARPA

12 comments on “Unemployment Compensation – Can’t find job – Corona Pandemic – Family Leave- Free Silver 94

  1. If we pay the full premium now, once the unemployment benefit kicks in, in July will it [the tax credits – Zero Premium] be retroactive?

    • CA EDD Unemployment shows

      Requirements to File a Claim

      When filing for UI benefits, you must have earned enough wages during the base period to establish a claim, and be:

      Totally or partially unemployed.
      Unemployed through no fault of your own.
      Physically able to work.
      Available for work.
      Ready and willing to accept work immediately.

      What Happens If You Quit or Get Fired

      The EDD will schedule a phone interview to discuss your claim and circumstances. If you quit, you must prove good cause for quitting. 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. If you are fired, your employer must prove there was misconduct. Either party can disagree with the decision and file an appeal. EDD FAQ * EDD Eligibility *

      The elements of a voluntary quit are,
      (1) leaving,
      (2) most recent work,
      (3) voluntarily, and
      (4) without good cause. Visit EDD Website – for details

      three part test to determine the presence of “good cause”

      (1) Is the reason for leaving “real, substantial, and compelling”?
      (2) Would that reason cause a “reasonable person,” genuinely desirous of working, to leave work under the same circumstances?
      (3) Did the claimant fail to attempt to preserve the employment relationship, thereby negating any “good cause” he/she might have had in leaving? Read More EDD Voluntary Quit

  2. 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.

    • 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?

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