How to File for Unemployment Insurance

The U.S. Department of Labor’s unemployment insurance programs pay benefits to eligible workers who lose their jobs through no fault of their own and who meet certain other eligibility requirements.

Unemployment insurance is a joint state and federal program that provides cash benefits to eligible workers. Each state administers its own unemployment insurance program, but all states follow the same principles established by federal law.

Applying for Unemployment

To receive unemployment insurance benefits, you must apply to the unemployment insurance program in the state where you worked. Depending on the state, claims can be filed in person, by phone, or online.

Eligibility Requirements

Each state sets its own eligibility criteria for unemployment insurance benefits, but generally, you qualify if you:

  • Are unemployed through no fault of your own. In most states, this means you separated from your last job due to underemployment.
  • Meet job and salary requirements. You must satisfy your state’s requirements for wages earned or time worked during a specified period called the “base period.” In most states, this is the first four of the last five completed calendar quarters before you file.
  • Meet any additional state requirements. Check your state’s unemployment program for details.