Under the latest Coronavirus stimulus bill (CARES act) unemployment compensation insurance has been extended by 13 weeks and boosted by adding $600 per week for up to four months, on top of what beneficiaries normally receive from states. It also expands eligibility for unemployment checks to self-employed people and independent contractors. More details and specific state payment dates shown below.
When will the $600 Unemployment Benefit Payment Start?
The U.S. Department of Labor (DOL) has now provided guidance to states for implementation of the Pandemic Unemployment Assistance (PUA) programs and the $600 per week extra unemployment (FPUC) approved under the CARES act. While most state labor departments and unemployment agencies have implemented the enhanced unemployment programs, they have been very slow in getting payments out due to issues with updating policies and systems to accommodate the mandated changes. As a result state UI agency websites are behind on processing the additional $600 p/week payment to eligible recipients. Payments to those already receiving unemployment should be automatic, while others or newly unemployed will need to (re-)apply for the UI payments. The table at the end of the post shows states who are now paying the $600 payment based on their State Labor/UI website.
Will I get the full $600? The $600 is added to whatever amount you are currently getting in terms of regular unemployment insurance compensation (UIC), whether it’s the minimum or the maximum. So for example even if you are only getting $50 a week in unemployment benefits today you will still get the full $600 through the next four months (July 31, 2020) which is mandated in the stimulus bill. Note: regular state unemployment compensation includes UCFE, UCX, PEUC, PUA, EB, STC, TRA, and DUA.
Also note that the $600 weekly FPUC payment is paid retroactively. The DOL has specified that states who agree to participate and take the federal funding for the enhanced benefit program under the CARES act must provide retroactive payments to individuals eligible for FPUC for the weeks they would have been entitled. So assuming your state agrees to take part in the DOL program at the end of March (and most states have done so) payments would be effective starting with the week ending 4/5/20. So, if it takes your state UI agency until mid-April to actually start the payments, they will be retroactive back to 4/5/20.
The $600 only applies to those who are receiving regular or PUA state unemployment benefits. If your state said that you don’t qualify for any amount of unemployment compensation, then you do not get the $600 either. The bill also waived the 7 day waiting period for new claims or if you lost your job due to any COVID-19 related reason. So you can file as soon as you get laid off or lose income as a self employed person.
Do part time workers or those getting partial UIC qualify for the $600 unemployment stimulus?
Yes. The Department of Labor (DOL) issued Unemployment Insurance Guidance Letter 15-20 (UIPL 15-20) that alludes to the fact that individuals who are entitled to receive regular unemployment compensation (UC) will also receive the $600 flat weekly payment through July 31, 2020. There is no minimum limit of unemployment compensation that is specified in the DOL guidelines, so even qualifying for a partial amount (i.e the case for part time employees) would qualify the employee for the $600 weekly payment. See more for part-time workers on getting this payment.
State by State Status on $600 payment
The following table shows how the current state administered maximums would increase with the supplementary $600 provision and which states are now paying these. However the roll-out of the enhanced UIC payments for those able to file new claims has been much slower than planned (see details). This information is changing daily so please let me know if you see an changes and I always recommend checking your local state labor or unemployment site to get the official payment dates specific to your claim.
|State||$600 Supplementary FPUC Payment Status||Standard Max. Weekly Individual Benefit||Max WBA with Stimulus||Max Weeks for Standard UI WBA|
|Alabama||Active from 4/11. Retroactive to 3/29.||$275||$875||39|
|Alaska||From 4/13 (retroactive to 3/29)||$370||$970||39|
|Arizona||Active week starting 4/13 (retroactive to 3/29)||$240||$840||39|
|Arkansas||Active week starting 4/13 (retroactive to 3/29)||$451||$1,051||39|
|California||Active (from April 11)||$450||$1,050||39|
|Colorado||Active from April 20th||$618||$1,218||39|
|Connecticut||Active from 4/16 (retroactive to 4/4)||$649||$1,249||39|
|Delaware||From April 5th (first to roll out)||$400||$1,000||39|
|District of Columbia||From 4/27 (retroactive to w/ending 4/4)||$444||$1,044||39|
|Florida||From 4/12 (retroactive to w/ending 4/4)||$275||$875||25|
|Georgia||From 4/4 and paid 4/19||$365||$965||27|
|Hawaii||Paid from 4/21 (retroactive to w/ending 4/4)||$648||$1,248||39|
|Idaho||First payment: 4/24/20. Available 4/28/20. Retroactive to 3/29||$448||$1,048||33|
|Illinois||Active from 4/6 (retroactive to 3/29)||$484||$1,084||39|
|Indiana||From 4/20 (retroactive to 3/29)||$390||$990||39|
|Kansas||From 4/23 (retroactive to March 29th)||$488||$1,088||29|
|Louisiana||From 4/20 (retroactive to March 29th)||$247||$847||39|
|Maine||From 4/16 (retroactive to w/ending 4/4)||$445||$1,045||39|
|Maryland||From 4/17 (retroactive to w/ending 4/4)||$430||$1,030||39|
|Massachusetts||Paid from 4/10 (retroactive to w/ending 4/4)||$823||$1,423||39|
|Michigan||Active from 4/10 (retroactive to w/ending 4/4)||$362||$962||33|
|Mississippi||Paid from 4/10 (retroactive to w/ending 4/4)||$235||$835||39|
|Missouri||Active 4/12 (retroactive to 3/29)||$320||$920||33|
|Montana||From 4/13 (retroactive to w/ending 4/4)||$552||$1,152||39|
|Nebraska||From 4/17 (retroactive to w/ending 4/4)||$440||$1,040||39|
|Nevada||Active from 4/12 (retroactive to w/ending 4/4)||$469||$1,069||39|
|New Hampshire||From 4/20 (retroactive to w/ending 4/4)||$427||$1,027||39|
|New Jersey||Active 4/14 (for the week of March 30th)||$713||$1,313||39|
|New Mexico||From 4/13 (retroactive to w/ending 4/4)||$511||$1,111||39|
|New York||Active (payments begin 4/5)||$504||$1,104||39|
|North Carolina||First Payments by April 17||$350||$950||25|
|North Dakota||Week of April 14||$618||$1,218||39|
|Ohio||Active from 4/23 (retroactive to w/ending 4/4)||$480||$1,080||39|
|Oklahoma||From 4/20 (retroactive to w/ending 4/4)||$539||$1,139||39|
|Oregon||From 4/10 (retroactive to w/ending 4/4)||$648||$1,248||39|
|Pennsylvania||Active from 4/12||$572||$1,172||39|
|Puerto Rico||No info||$190||$790||39|
|Rhode Island||Active from 4/14||$586||$1,186||39|
|South Carolina||From 4/18||$326||$926||33|
|South Dakota||From 4/10 (retroactive to w/ending 4/4)||$414||$1,014||39|
|Texas||Active from 4/13 and being paid per comments||$521||$1,121||39|
|Utah||Active from 4/9 (retroactive to w/ending 4/4)||$580||$1,180||39|
|Vermont||From 4/5 (retroactive to w/ending 4/4)||$513||$1,113||39|
|Virginia||Active from 4/12 (retroactive to w/ending 4/4)||$378||$978||39|
|Washington||From 4/18 (retroactive to 3/29)||$790||$1,390||39|
|West Virginia||From 4/20 (retroactive to w/ending 4/4)||$424||$1,024||39|
|Wisconsin||From 4/26 (Retroactive to 4/4)||$370||$970||39|
|Wyoming||From 4/27 (retroactive to w/ending 4/4)||$508||$1,108||39|
Naturally the above flat weekly increases are creating controversy as the new maximums could exceed what workers make from normal jobs and actually encourage employees to temporarily lay off employers while things are slowed down due to the Coronavirus induced shutdowns.
Will I get the $600 payment if I owe the IRS money or pay child support?
Individuals who currently have a debt with the IRS (or other government agencies) are still eligible for the $600 payment even if 100% of their weekly benefit amount is currently intercepted. Child support obligations however must be deducted from FPUC payments in the same manner and to the same extent as these obligations are deducted from regular UIC. Generally one-half of your $600 payment will be deducted and applied to your court ordered or voluntary child support or repayment of an UI over payment.
Since unemployment benefits are administered at the state level, please check your state’s UI website and file a claim to confirm your specific entitlement. Also note that the $600 payment is taxable and will be shown as income in your 1099G.
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