Topic Wiki

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!WHEN ASKING A QUESTION POST YOUR LOCATION OR OTHERS WILL BE UNABLE TO ASSIST!

You are eligible for the $600 weekly FPUC payment if you are on any sort of unemployment, including PUA and partial unemployment. This is available for claims dated 3/28/20-7/31/20. The federal supplement does not affect eligibility for Medicaid and CHIP. It does affect SNAP and TANF.

If you filed for UI more than a week after your layoff date, you are eligible for backpay.

The obligatory waiting week has been waived, so your claim will process with a date a week earlier than what you apply for, to account for the waiting week waiver.

NY
There is a streamlined application process so that all applicants complete the same form, regardless of which program they'll eventually be eligible for.
PUA:
Unemployment for the self-employed. Acceptable proof of income includes prior year tax returns, 1099, P&L, bank statements and more. You will most likely be approved for standard UI even if you're an independent contractor, if you had W2 employment within the last 18 months.
If you are assigned the minimum rate of $182 when it should be higher based on your income, complete this form, fax it in, then send it again via the message center (Subject1: "Benefit Rate and Monetary Determination" Subject2: "Some of my wages are missing or incorrect") so that they definitely got it. Your rate should be adjusted in less than a week. You are also entitled to get your updated rate on all prior weeks.
You are also eligible for PUA if you landed a job but where unable to start due to the pandemic. You need an employment offer that was then rescinded to prove this.
PUA is available for a total of 46 weeks from 02/02/20-12/31/20.
Partial UI:
You can apply for partial UI if you're working 3 days or less, and earning $504/weekly or less. The DOL deducts 25% of your base rate for every day that you work. (You receive 100% of your rate if you don't work at all, 75% if you work 1 day, 50% if you work 2 days, and 25% if you work 3 days).
PEUC:
For those on regular unemployment- you will receive an additional 13 weeks of benefits after you've exhausted your initial 26 weeks. This benefit is available through 12/31/20.
Extended Benefits:
For those on regular unemployment- you will receive an additional 20 weeks of benefits after you've exhausted your initial 26 weeks and your PEUC weeks. This makes for a total of 59 weeks that you can possible receive unemployment benefits. This benefit is available as long as the state's unemployment rate is high.
Requesting Backpay:
The NY DOL is using Docusign to allow claimants to file backpay. You should receive an email from the DOL with instructions. The email subject is "Action Required - NYS DOL Certification for Back Week Payments". This might end up in your spam folder, so be sure to check that as well.
If you don't receive this email or you don't want to wait, call the NY DOL and speak to an agent to certify for backpay over the phone.
It takes a little less than a week from when you complete backdated certifications until your claims are processed and funds are released.
$0 Benefit Determination:
Email @cgr for instructions on a fix for this issue

You can email @cgr at chaiplus1@gmail.com for help with any unemployment questions.


NJ
Apply here.
PUA:
Unemployment for the self-employed. Acceptable proof of income includes prior year tax returns, 1099, P&L, bank statements and more. You will most likely be approved for standard UI even if you're an independent contractor, if you had W2 employment within the last 18 months.
At this point it looks like claimants are still being given $231- the minimum PUA rate- regardless of prior income.
You are also eligible for PUA if you landed a job but where unable to start due to the pandemic. You need an employment offer that was then rescinded to prove this.
PUA is available for a total of 46 weeks from 02/02/20-12/31/20.
Partial UI:
You can apply for partial UI if your hours have been reduced by 20% or more. You'll be allowed to earn an additional 20% above your rate determination. Your earnings will then be deducted from your rate, and you'll receive the balance as your UI payment.
PEUC:
For those on regular unemployment- you will receive an additional 13 weeks of benefits after you've exhausted your initial 26 weeks. This benefit is available through 12/31/20.
Extended Benefits:
For those on regular unemployment- you will receive an additional 20 weeks of benefits after you've exhausted your initial 26 weeks and your PEUC weeks. This makes for a total of 59 weeks that you can possible receive unemployment benefits. This benefit is available as long as the state's unemployment rate is high.
Requesting Backpay:
You can request backpay if you are lucky enough to get through to an agent.

Here is a guide for NJ residents from the LRRC.
« Last edited by cgr on November 27, 2020, 09:48:37 AM »

Author Topic: Unemployment Help  (Read 477336 times)

Offline cgr

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Re: Unemployment Help
« Reply #3680 on: January 21, 2021, 09:33:53 AM »
Sorry if I'm picking up in middle of a conversation, but is PPP untaxable? Naturally, the companies shouldn't pay, but if they use it for payroll, doesn't the employee pay? And in a case of sole props, wouldn't it be taxable because it is essentially like getting money and giving yourself a paycheck?

PPP used for employee wages is taxable as wages are (the actual PPP is not taxed as income though, and the expense is deductible).
Sole props get a double benefit as it is not taxable as income and not taxable as wages.

Offline YitzyS

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Re: Unemployment Help
« Reply #3681 on: January 21, 2021, 10:03:50 AM »
Sole props get a double benefit as it is not taxable as income and not taxable as wages.
Cool!

Offline yomo

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Re: Unemployment Help
« Reply #3682 on: January 21, 2021, 01:48:23 PM »
Correct, PPP and EIDL are not taxable.

But regardless you shouldn't have to make a choice between the two- maybe you'll need to take a bit less PPP but they're not contradictory.
PPP and unemployment?
You sure someone can get both simultaneously??

Offline cgr

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Re: Unemployment Help
« Reply #3683 on: January 21, 2021, 01:54:31 PM »
PPP and unemployment?
You sure someone can get both simultaneously??

Within the partial unemployment limits, yes.
More complicated in NJ than in NY, because NY doesn't require you to report earnings- it's just a yes or no question.

Offline yomo

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Re: Unemployment Help
« Reply #3684 on: January 21, 2021, 01:54:55 PM »
Careful thought should be put into each individual scenario. Up to a certain amount of PPP could be claimed each week without losing any of the unemployment. But you have a 24 week deadline to use the PPP funds.
For small business self employed individual in NJ - whats the maximum PPP and unemployment they can be eligible for?

Offline yomo

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Re: Unemployment Help
« Reply #3685 on: January 21, 2021, 01:55:49 PM »
Within the partial unemployment limits, yes.
More complicated in NJ than in NY, because NY doesn't require you to report earnings- it's just a yes or no question.
I'm wondering about NJ LLC for self employed small business

Offline cgr

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Re: Unemployment Help
« Reply #3686 on: January 21, 2021, 01:59:19 PM »
For small business self employed individual in NJ - whats the maximum PPP and unemployment they can be eligible for?
Your PPP would depend on your 2019 or 2020 payroll/SE income.
How much of that you can take while on UI will depend on what your WBR is.

Offline TBD

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Re: Unemployment Help
« Reply #3687 on: January 21, 2021, 02:36:26 PM »
PPP used for employee wages is taxable as wages are (the actual PPP is not taxed as income though, and the expense is deductible).
Sole props get a double benefit as it is not taxable as income and not taxable as wages.
An employer that received a $100,000 PPP grant can finish the year with $100,000 Income and not pay any income tax on it vs the poor guy who received $30,000 UI benefits has to pay taxes and it kills his EIC

Offline neveryou

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Re: Unemployment Help
« Reply #3688 on: January 21, 2021, 03:16:39 PM »
An employer that received a $100,000 PPP grant can finish the year with $100,000 Income and not pay any income tax on it vs the poor guy who received $30,000 UI benefits has to pay taxes and it kills his EIC
Rich get richer and the poor get poorer

Offline yitzyul

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Re: Unemployment Help
« Reply #3689 on: January 21, 2021, 03:35:51 PM »
NYS- If you work 1 week here and there, do you just not certify that week, or should you still certify just mark that you worked all 5 days?

TY

Offline cgr

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Re: Unemployment Help
« Reply #3690 on: January 21, 2021, 03:37:14 PM »
NYS- If you work 1 week here and there, do you just not certify that week, or should you still certify just mark that you worked all 5 days?

TY
Either one is fine.

Offline oldguy

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Re: Unemployment Help
« Reply #3691 on: January 21, 2021, 06:31:37 PM »
What part of the base rate to employers have to pay? for how many weeks?

And now that UI was extended do employers have to pay that? or it's funded by the feds or State?

Offline cgr

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Re: Unemployment Help
« Reply #3692 on: January 21, 2021, 06:42:26 PM »
What part of the base rate to employers have to pay? for how many weeks?

And now that UI was extended do employers have to pay that? or it's funded by the feds or State?

Employers pay in each quarter into a UI fund. When an employee files a claim, that's where the money is deducted from.
Employers pay a maximum of 26 weeks (the usual UI term). Programs available now such as PUA, FPUC, EB, and PEUC are all federally funded.

Offline TBD

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Re: Unemployment Help
« Reply #3693 on: January 24, 2021, 08:47:42 PM »
I think someone should start a petition that UI should be made non-taxable, atleast the additional money. It's simply not fare that businesses were excluded from having to pay taxes on PPP and the poor unemployed need to pay. Now with dems in power it shouldn't be a problem to push thru
Let's see the power of DDF
https://www.change.org/p/us-congres-please-do-not-tax-the-2020-unemployment-benefits-ui-pua

PLEASE SIGN THE PETITION AND SHARE IT WITH AS MANY PEOPLE POSSIBLE
« Last Edit: January 24, 2021, 09:15:30 PM by TBD »

Offline ~King Lake~

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Re: Unemployment Help
« Reply #3694 on: January 25, 2021, 07:17:49 AM »
If I stopped filing PUA mid October, could I restart filing again now and back track?
NY
I’m in shape, round is a shape…

Offline cgr

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Re: Unemployment Help
« Reply #3695 on: January 25, 2021, 08:23:29 AM »
If I stopped filing PUA mid October, could I restart filing again now and back track?
NY

You can start filing again- just log into your account and certify same as always.
You'll probably get a 'Break in Claim' questionnaire which might trigger a Docusign where you can claim your missed weeks. If it doesn't you'll need to call to claim backpay.

Offline ~King Lake~

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Re: Unemployment Help
« Reply #3696 on: January 25, 2021, 08:39:11 PM »
You can start filing again- just log into your account and certify same as always.
You'll probably get a 'Break in Claim' questionnaire which might trigger a Docusign where you can claim your missed weeks. If it doesn't you'll need to call to claim backpay.
Ok, thanks a lot!!
I’m in shape, round is a shape…

Offline TBD

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Re: Unemployment Help
« Reply #3697 on: January 28, 2021, 08:15:39 PM »
Let's see the power of DDF
https://www.change.org/p/us-congres-please-do-not-tax-the-2020-unemployment-benefits-ui-pua

PLEASE SIGN THE PETITION AND SHARE IT WITH AS MANY PEOPLE POSSIBLE
I think the post got more Likes than people actually signing the petition. I thought DDF has greater power... (or that most people actually think, it should be taxed)

Offline Deal Guy

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Re: Unemployment Help
« Reply #3698 on: January 28, 2021, 09:44:38 PM »
Any tricks to get through in nj?

Offline yelped

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Re: Unemployment Help
« Reply #3699 on: January 28, 2021, 10:07:22 PM »
I think the post got more Likes than people actually signing the petition. I thought DDF has greater power... (or that most people actually think, it should be taxed)
Would help if the petition was written in proper English and made more sense in general.