Unemployment insurance in the US includes regular and extended coverage, interstate and Combined Wages Claim (CWC) insurance, Disaster Unemployment Assistance (DUA), and ex-military unemployment insurance. Eligibility and coverage vary depending on the circumstances of unemployment.
Unemployment insurance helps people earn income when they no longer have a job, and there are several types of insurance available, depending on where a person used to work and what conditions caused their unemployment. In the United States, regular and extended unemployment insurance are the two most common varieties, with regular unemployment being awarded to people who have worked in the same state for two years or more. Interstate insurance and Combined Wages Claim (CWC) insurance are for workers who have worked in different states. Disaster Unemployment Assistance (DUA) is for people who are unemployed due to a major disaster, and tend to receive more help than other types of insurance allow. Ex-military unemployment insurance is for people who previously served in the military.
Regular unemployment insurance is the most common type, and it is for workers who have worked in the same state for two or more years. People who have been fired for misconduct receive less insurance and are not eligible for extended coverage, although they can still get some insurance money. Extended coverage, which is intended for people who have exhausted their regular unemployment payments, allows people to get additional coverage if the unemployment rate is high.
If individuals have worked in one or more states in the past two years, they must apply for Interstate Unemployment Insurance, or CWC. Interstate insurance is intended for people who have recently moved to a different state but have spent most of the last two years working in the state from which they moved. People applying for interstate insurance must apply for coverage with the state from which they moved. CWC is intended for people who have worked in several different states, and salaries from each state can be combined.
The most common causes of unemployment come from termination or layoff, but disasters can also cause unemployment if they destroy businesses or other places of work. This type of unemployment is not the workers’ fault, so this unemployment insurance tends to pay for the longest time, usually around 26 weeks. If an event is not considered a major disaster, then the unemployed may have to file for regular unemployment.
Ex-military unemployment insurance is for people who served in the military in the last 18 months. To receive coverage, these individuals must present their discharge documents. Those with honorable discharges will generally have no problem receiving this coverage, but people with dishonorable discharges may encounter some difficulties, depending on why they were dishonorably discharged.
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