Unemployment Benefits for Washington Residents

Transcription

1 Unemployment Benefits for Washington Residents

2 2 washingtonunemployment.org Guide Introduction Washington unemployment benefits are available to residents who have experienced a reduction in working hours or who have lost their jobs and need financial assistance. Unemployment benefits are paid for by taxes from qualifying state employers, and the Washington State Employment Security Department (ESD) administers the program.

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4 4 washingtonunemployment.org Unemployment benefits may be awarded to residents who apply to the program, meet all eligibility requirements and perform the mandatory weekly tasks. To meet eligibility criteria and to receive unemployment benefits, an applicant must have worked in Washington for at least the past 18 months and worked at least 680 hours in the base year (the period of time used for benefit eligibility and allotment calculation). Additionally, the applicant must have been terminated through no fault of his or her own, or quit the job for a valid reason approved by the ESD. on misinformation or was wrongly decided. The applicant will be responsible for providing evidence and proof of a wrongful denial to have the decision overturned in the appeals process. Approved unemployment beneficiaries are required to actively search for work and to be willing and able to accept suitable jobs when offered. Residents who are receiving unemployment benefits must keep track of all job searching activities, potential employer contacts, interviews and applications they encounter each week using a job search log. ESD representatives may ask to see these records to ensure the claimants are actively searching for jobs each week. Additionally, to receive unemployment benefits, a beneficiary must submit a weekly claim to the ESD. To submit a claim, the beneficiary will be asked about the previous week, his or her earnings and hours worked to ensure eligibility. Once a beneficiary takes on a full-time job or no longer wants to receive unemployment benefits, he or she will stop filing weekly claims, and the benefits will cease. The amount and duration of benefits provided to an unemployment beneficiary depends on the prior salary earned and hours worked throughout the base year. Benefits will cease once the maximum benefits are reached, which is generally between 13 and 26 weeks. A full benefit year is 52 weeks, and beneficiaries who reach their maximum benefit allotment before 52 weeks must wait to file a new unemployment claim until the end of the benefit year. Deductions in weekly benefit allotment will be made for claimants who have part-time jobs, or who have worked hours and earned salaries throughout the week. Unemployment benefit applicants whose claims are denied may start the appeals process. An appeal should only be filed by applicants who feel the denial was based

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6 6 washingtonunemployment.org Eligibility for Unemployment in Washington 8 How to Apply for Unemployment in Washington 12 Unemployment Benefits Coverage and Duration in Washington 15 Denial of Unemployment Benefits in Washington 18 Unemployment Extensions in Washington 22 History of Unemployment Insurance 25 How to Explain Unemployment to Your Children 27 9 Tips for Writing the Perfect Resume 29 Preparing for a Job Interview and Discussing Your Layoff 32

7 washingtonunemployment.org 7 How to Use the Washington Unemployment Office to Begin Your Career Search 35 Tips for Documenting Your Job Search Activities While on Unemployment in Washington 37 How to Chart Your Mandatory Weekly Activities While Receiving Unemployment in Washington 40 Reporting Unemployment Fraud in Washington Ways to Make Money During Unemployment 47 Cost-Cutting Measures You Can Take While on Unemployment in Washington 50 Alternatives to Taking on Credit Card Debt and Depleting Your Savings 53 Free Food Programs in Washington for Unemployment Beneficiaries 56 How to Acquire Health Care While on Unemployment in Washington 60 Other Financial Assistance Programs Available in Washington 63

8 8 washingtonunemployment.org Eligibility for Unemployment in Washington To receive unemployment benefits in Washington, an applicant must meet strict eligibility criteria as set by the Employment Security Department (ESD). Washington residents must have work histories in the state for at least the past 18 months, been terminated through no faults of their own or left a job due to a valid and acceptable reason and be willing and able to actively search for work in the state. The Washington unemployment benefit program is designed to assist residents who are financially struggling due to a cutback in working hours or the elimination of a job. However, no low-income eligibility criteria must be met to receive benefits. The benefits are not meant to be a permanent household budget supplementation, so there are weekly job searching tasks that must be completed for all unemployment beneficiaries to ensure they will eventually maintain a steady income and gain self-sufficiency. Unemployment applicants who meet all Washington eligibility guidelines and are actively looking for work may be approved to receive benefits. Before applying for unemployment, Washington residents should review the eligibility criteria of the program to ensure they meet the guidelines. The following sections cover the Washington unemployment eligibility requirements, including the weekly job search tasks that must be completed.

9 washingtonunemployment.org 9 Income and Residency Requirements For unemployment benefits, an applicant must be a Washington resident who has worked in the state for at least the last 18 months. Resident who were in the military or who worked for the federal government, however, do not need to meet this requirement. For unemployment applicants who do not meet this requirement, an unemployment benefit application must be sent to each state where the potential applicant worked in the past to claim benefits. For benefit approval, an unemployment applicant must be a United States citizen, or a legal immigrant who is authorized to work in the country. He or she must also be a resident in the state of Washington. If citizenship or residency is questioned by an ESD representative or if a discrepancy is found, the applicant may need to show proof of valid immigration documentation, birth records or state identification. Unemployment applicants will be asked extensively about their work histories on the application. To determine eligibility for unemployment benefits, the ESD will examine the applicant s base year period, which is the first four of the last five completed quarters before the unemployment claim was filed. During this base year, the applicant must have completed at least 680 legal and recorded hours of work. The working hours must have been completed by acceptable employment. Unacceptable employment hours that will not count toward the 680 working hours in a base period include: self-employment, commissionbased pay, church employment, appraising, completing work-study programs, officiating amateur sports games, certain corporate officer work or work done on certain small fishing boats. The payment received for each qualifying hour of work does not affect eligibility, but is used when calculating benefit allotment. The number of hours worked throughout this base period is what determines the applicant s eligibility and is also used when calculating the benefit allotment that he or she may be awarded.

10 10 washingtonunemployment.org Job Loss Eligibility Requirements Upon examination of the application, an ESD representative will also look into the reason for termination or job loss. There are specific types of termination or reasons for quitting a job that will allow an applicant to maintain eligibility for unemployment benefits. An applicant who was let go of a job due to a company layoff, the restructuring of the business or an elimination of his or her position meets the job loss eligibility requirement for unemployment benefits. If an employee has experienced a reduction in hours due to no fault of his or her own, unemployment benefits may also be available. Additionally, a worker who was fired from a job for reasons that do not include misconduct may also still be eligible to receive unemployment benefits, upon examination by a ESD representative. If an employer changes the location of the workplace, making an employee s commute harder or longer to complete, he or she can quit the job and still maintain unemployment benefit eligibility. Employees who quit jobs to avoid stalking or domestic violence, or who move to be with spouses or domestic partners whose jobs are outside the employee s labor market have also quit for good-cause reasons. Additionally, an employee who worked both a full-time and a part-time job at the same time, quit the part-time job and then was laid off by the full-time job maintains eligibility with the unemployment program. Upon completion of the application, an ESD representative will review the reason for job loss and ask the applicant specific questions about the situation to determine if he or she remains eligible for benefits. If a discrepancy is found, the ESD representative may also speak with the previous employer to determine details of the termination or job loss. Employees who quit their last jobs for valid and acceptable reasons may also maintain eligibility for unemployment benefits. There are specific good-cause reasons for quitting a job that do not affect the eligibility of an unemployment benefit applicant. Some of the acceptable reasons for quitting include: That the employee took another job or started approved apprenticeship training or approved training under the Trade Act. That the pay or the hours at the job were reduced by 25 percent or more. That the employee became sick or disabled, or a family member became sick or disabled, making it necessary to quit the job. That the employee informed the employer of an unsafe work condition, a safety problem or an illegal activity, and nothing was done about it in a timely manner. That work duties were modified, and now go against a moral or a religious belief held by the employee.

11 washingtonunemployment.org 11 Work Search Requirements The final eligibility requirement of the unemployment benefit program is for the applicant to be able, available and actively seeking work. This means the applicant must be mentally and physically ready to work, and completely available to take a suitable job offering that is within his or her labor market. Once an unemployment benefit applicant is approved for benefits, he or she is also responsible for completing weekly job search activities to maintain eligibility. Three job search activities must be completed and recorded each week. The activities will include either making an employer contact or participating in an in-person activity at a local WorkSource center. An employer contact is when a claimant contacts a potential employer through , fax, phone call, mail, website form or selfservice kiosk system to apply or to inquire about an open position. Even if the contact is unsuccessful, the unemployment beneficiary can still count it as a job search activity for the week. An in-person job activity through a WorkSource center may include taking an informational workshop on job searching techniques or conducting a mock job interview with an instructor. Unemployment claimants can complete any combination of activity types, if it adds up to a total of at least three completed activities for the week that are recorded in the job search log. An ESD representative may review an unemployment claimant s job search activity log at any time to ensure it is maintained and that he or she is completing the weekly requirements.

12 12 washingtonunemployment.org How to Apply for Unemployment in Washington The application for unemployment benefits can be completed online or by phone. No in-person applications or appointments are accepted by the Employment Security Department (ESD). Applications are not currently encouraged to be mailed in, and no downloadable or paper application is available on the ESD website. There are several pieces of information that will need to be relayed by the applicant before submitting the application to the ESD. Accurate answers and information given on the application are crucial for the eligibility of an applicant to receive unemployment benefits. Before beginning to fill out an unemployment application, a potential applicant should gather all necessary information and documents to answer all pertinent questions thoroughly. To learn more about the acceptable application methods, documents or information needed and what to expect throughout the application process, review the following sections.

13 washingtonunemployment.org 13 Applying for Unemployment Online 4. Proceed to complete the unemployment benefit application, filling in all answers accurately The most convenient method available for completing an unemployment application is the online option. All potential unemployment applicants should choose the online unemployment application method because it can be completed 24 hours a day, seven days a week, and it is known to be a faster and easier process than applying by phone. The website used to start the online application process is also the same system used to file weekly claims for unemployment benefits. Therefore, online applicants have a head start on learning the system and establishing an online account. Online users who have trouble creating an account or logging into an existing account can call the help line at Before attempting to complete the application, a potential unemployment applicant should be prepared to answer many questions pertaining to employment history for the past 18 months. Employer contact information, mailing addresses, dates worked, hours worked, salary earned and reasons for termination will be asked on the application. It is important for applicants to thoroughly answer all questions in detail, especially the reasons for job loss, and to provide accurate numbers pertaining to salary, hours and earnings. Washington residents who decide to fill out online applications for unemployment benefits should complete the following steps: and thoroughly. 5. Click on the Submit Application button. 6. Receive a confirmation screen, confirmation and confirmation number. Print or save the confirmation and review all details outlined on the page, including next steps in the process, rights and responsibilities. Once the online application has been submitted, the applicant will receive communication from the ESD through and mail correspondence. It is important for the applicant to frequently check his or her inbox to see if the ESD requires additional information before an approval or a denial can be decided. A Statement of Benefits or a letter of denial will also be ed and mailed to the applicant once the application has been processed. 1. Go to the SecureAccess Washington (SAW) website. 2. Create a username and a password, which will be used universally for all government agencies that use the SAW system, and for reporting all weekly benefit claims. 3. If this is the first time the potential applicant has logged into the SAW system, he or she will need to answer identity questions to verify his or her identity in the system and verify the device used (mobile phone or computer).

14 14 washingtonunemployment.org Applying for Unemployment by Phone Potential unemployment applicants who prefer to apply by phone can call However, phone applicants should be aware that there are specific days and times that applications are taken, based on Social Security Number. Unemployment applications are taken by phone from 8 a.m. to 4 p.m., Tuesday through Friday, except for national holidays when the office is closed. Potential phone applicants with Social Security Numbers that end in 0, 1, 2 or 3 can call in applications on Tuesdays. Applicants with Social Security Numbers ending in 4, 5 or 6 are instructed to call on Wednesdays. And, applicants with Social Security Numbers that end in 7, 8 or 9 should call in their applications on Thursdays. Fridays are reserved for all phone applicants, no matter the last digits in the Social Security Numbers. The same questions will be asked during the phone application that are asked in the online application. Therefore, before a phone applicant calls to start the application process, he or she should gather all information on past employment, including income, salary, dates of employment and job loss reasons. The ESD encourages applicants to attempt the online application method instead of the phone application method. The office warns all potential phone applicants that they my experience excessive hold times when completing applications by phone, even when following the proper procedures on corresponding days to call in the applications. the application. Applicants should review this document thoroughly to ensure their contact information and work histories are reported correctly. If any errors are found on the report, including the number of hours worked or the wages earned at past employers, the applicant should call the claims center at immediately to have the worksheet corrected. Under certain circumstances, an applicant will be contacted by the ESD for further information or documentation that proves the information given on the application. This may happen when a discrepancy or an error is found on the application, or when an application answer needs clarification. When asked for documentation or additional paperwork, all unemployment applicants are encouraged to submit the documentation to the ESD as soon as possible to prevent further delays. The applicant may be asked to provide proof of the reason for job loss or proof of citizenship. He or she may also be asked by an ESD representative to provide paycheck stubs or tax returns to confirm the income claimed on the application. Once all documentation has been submitted and questions are answered, an applicant will learn whether his or her application has been approved or denied after the ESD has reviewed it properly. If the application is denied, a reason for denial will be included in a letter to the applicant. If the application has been approved, the next steps in claiming benefits and the benefit allotment calculations will be communicated to the beneficiary. The Application Process Once an application has been completed, either online or by phone, the applicant can expect to hear back from the ESD about an approval or denial. The decision wait time can vary, depending on the workload of the office and the complications of the application. Most applicants hear a decision from the ESD about their Washington unemployment applications within six to eight weeks after successful submission. A Statement of Benefits, Wages and Hours will be sent to the applicant, which reviews the information given in

15 washingtonunemployment.org 15 Unemployment Benefits Coverage and Duration in Washington Unemployment beneficiaries in Washington will be awarded a specific weekly benefit allotment which can vary based on their work histories and current incomes. procedures, the process for claiming weekly benefits, how to factor the duration of benefits and the ways the ESD assists claimants in job searching. The duration of benefits they will receive through unemployment can also vary depending on the maximum benefits that are allotted and the expiration of the benefit year. The Employment Security Department (ESD) administers the unemployment benefit program, and uses precise calculations that involve a claimant s work history and current employment situation to calculate both the allotment and the duration. The ESD will continuously recalculate benefit allotment each week a beneficiary files a new unemployment claim, since his or her employment status and earnings may change. A change in benefit allotment can also affect the duration of benefits, since a claimant may reach the maximum benefit allotment faster or slower, depending on the change. Since there are so many factors involved in the calculation of benefit allotment and duration, it is important for potential unemployment benefit applicants and claimants to understand how to roughly calculate their own allotments and durations. The following sections outline calculation

16 16 washingtonunemployment.org Calculating Unemployment Benefit Allotment Once an unemployment applicant has been approved for benefits, he or she will receive a Statement of Wages and Hours letter in the mail. The letter will cover all the past employment information of the claimant, including the potential benefit allotment that may be awarded weekly. The minimum weekly benefit allotment that the Washington ESD will award an eligible unemployment beneficiary is $169, while the maximum that can be allotted weekly is $713. To calculate the exact amount of benefit allotment for an applicant, the ESD looks at the base year. A base year is composed of four of the last five calendar quarters the week before an application was submitted for unemployment benefits. Wage and hours information the applicant provided in the unemployment application and verified with past employers will be used by the ESD when calculating the weekly benefit amount and the maximum benefits payable to the claimant throughout the life of the unemployment claim. weekly benefit amount calculator, once the two highest quarters of the base year are identified. To find the maximum benefits payable for the entire benefit year, an unemployment applicant can take his or her calculated weekly benefit amount and multiple it by 26. No more than 26 times the weekly benefit amount will be granted for one benefit year. Additionally, one third of the gross total wages earned in all four quarters of the base year will also equal the total amount of benefits payable. Both the weekly benefit allotment and total amount of benefits payable over the course of the benefit year can vary depending on income and hours worked while receiving benefits. To calculate the weekly benefit amount, the gross wages earned in the two highest quarters of the base year are added together, divided by two, and then multiplied by Essentially, the average of the two highest quarters in the base period is first calculated, then multiplied by to figure out the average weekly benefit allotment. For example, if an unemployment applicant figured out that his or her two highest quarters in the base year included one quarter with $7,000 in gross income earned, and one quarter where $6,500 in gross income was earned, the average of these two quarters can be calculated by adding them together and dividing by two. The average of the highest quarters, therefore, is $6,750. To calculate the estimated weekly benefit allotment, $6,750 would be multiplied by The weekly benefit allotment is then calculated as $ The weekly benefit allotment is always rounded down to the nearest dollar amount, so the actual allotment would be $259. Potential unemployment applicants or claimants who would like to estimate their own weekly benefit amounts can use the ESD s online

17 washingtonunemployment.org 17 Claiming Weekly Benefits After the first week of receiving unemployment benefits, the claimant must begin to submit a weekly claim for benefits to continue. When filing a weekly claim, the beneficiary will be asked about income and hours worked in the previous week. The claim that is filed in Week Two will ask questions about Week One, and so on. As soon as Saturday ends (11:59 p.m.), the claimant can submit a weekly claim to receive benefits. Unemployment beneficiaries should file all weekly claims for benefits using the online system. This is the fastest and easiest way to file a weekly claim, and it can conveniently be completed at any time of day, as long as it is at the end of Saturday each week. By creating an online account with SecureAccess Washington (SAW), unemployment beneficiaries can find out information on their claim statuses, benefit allotment amounts and file the weekly claims. while still receiving benefits. Once the maximum benefits payable amount has been reached by a claimant, a new claim cannot be filed until the benefit year has expired. While benefits are being received, it is the unemployment claimant s responsibly to complete at least three work search activities on a weekly basis. Failure to do so can result in the denial of benefits for the week of noncompliance. The ESD offers helpful resources and free in-person training workshops through local Washington WorkSource centers to make it easier for claimants to complete their mandatory weekly work search and activity requirements. By attending job interview training and utilizing job search skills, unemployment claimants who participate in workshops find it easier to complete work search tasks successfully, and are likelier to obtain gainful and suitable employment quickly. Claimants who prefer to submit a weekly claim by phone can call the claims center at , but will be restricted on the times they can call. To submit a claim by phone, a claimant can call no sooner than 12 a.m. on Sunday morning, and as late as 4 p.m. on the last business day of the week. The last business day is usually a Friday, unless it is reserved for a national holiday. The phone line is automated, so a weekly claim can be made by phone at any time during the approved timeframe. Duration of Benefits and Job Searching In Washington, an unemployment benefit year is 52 weeks long. An unemployment claim that has expired, or benefits that have been exhausted cannot be filed again until after the benefit year has ended. Most claims receive between 13 to 26 weeks worth of benefits. A claim s benefits are exhausted when the maximum benefits payable have been reached, which is not more than 26 weeks of benefits. The duration of benefits is affected by the weekly benefit allotment provided and the number of hours worked

18 18 washingtonunemployment.org Denial of Unemployment Benefits in Washington Unemployment applicants who have been denied or beneficiaries who feel their weekly benefit amounts have been miscalculated may have the option of appealing the Employment Security Department s (ESD) decision. There are strict time limits to file an appeal of a denial or benefit allotment amount, so it is important for beneficiaries or denied applicants to learn how to start the appeals process efficiently. Preparation for the appeal hearing is crucial for a denied applicant or a beneficiary who wants to ensure the decision is overturned. Employers who disagree with a decision made by the ESD to award benefits to former employees can also start the appeal process. The following sections address denial reasons that may need to be appealed, filing an appeal, preparing for the appeals hearing and how an employer can start the appeal process.

19 washingtonunemployment.org 19 Unemployment Denials That Can Be Appealed When an unemployment applicant or claimant is denied benefits, the reasons for denial will be communicated in the letter of denial. There are several reasons a claimant or an applicant can be denied benefits, including: Not completing the mandatory, weekly work search activities. Being unavailable for work. Working too many hours and becoming unqualified for benefits. Not meeting the work hour requirement in the base year. If the termination reason is found to be ineligible. Additionally, an unemployment applicant who cannot provide information to the ESD, provides false information or withholds information on the application will be immediately denied benefits. For unemployment applicants who want to appeal a denial decision, evidence of a wrongful denial or the miscalculation of working hours should be prominent before attempting to appeal. An applicant who has given untruthful information on the application or withheld information will have no grounds to file an appeal, and the denial will stand. Unemployment claimants who are being charged an overpayment of benefits due to working hours but feel this has been miscalculated can also file an appeal. Applicants who disagree with the information on the Statement of Benefits, Wages and Hour worksheet may also appeal the denial decision due to incorrect reporting. Beneficiaries who feel they are not receiving the correct amount of weekly benefits, or whose benefits are expiring, but feel the expiration is premature may also decide to start the appeals process. Filing an Appeal An appeal must be filed within 30 days of receiving the denial letter, calculation of benefits or notice of overpayment of benefits. Unemployment claimants who are unable to file an appeal within the 30-day time limit may still be able to appeal a decision, but they will need to provide a valid and acceptable reason for the tardiness of filing. A valid reason for filing an appeal after the 30-day deadline may include receiving the notice late or a notice getting lost in the mail. If an appeal is filed late and the reason for tardiness is not approved, the appeal will be dismissed and the ESD s initial decision will stand. To start the appeal process, a denied applicant or an unemployment claimant can file a claim to appeal online, by mail or via fax. Use the online service to file an appeal, since it is the fastest and easiest way to start the process. To file an appeal online, the claimant can visit the SecureAccess Washington (SAW) website, sign into his or her online account and click on the Decision Status tab. After following the instructions for starting the appeal, the claimant will receive mail correspondence explaining his or her rights and the next steps in the process. A claimant who prefers to fax in a letter of appeal should consider using the ESD Claimant Appeal Form as a template, or creating his or her own letter that includes all pertinent information on the case. The form or letter can be faxed to To mail the form or letter, the claimant can send it to: Claims Center Appeals P.O. Box Olympia, WA Unemployment claimants or denied applicants who prefer not to use the provided template and want to write their own letters of appeal should follow the template to ensure all information is included. The letter should contain: The claimant s contact information, Social Security Number and case identification number.

20 20 washingtonunemployment.org The last employer s name and the date of determination that is being appealed. A brief, yet thorough explanation of the reason for the appeal. Records that may support the case and the names of witnesses that may be used at the hearing. both sides of the case. Once the judge has reviewed all information, he or she will mail a final decision to all parties involved. If the claimant disagrees with the decision made by the administrative law judge, the claimant may decide to pursue further action and file a petition with the ESD s Commissioner s Review Office. The reason for a late appeal, if needed, and the signature of claimant. The Appeal Process Once an appeal has been submitted online, via mail or by fax, an overview of the appeals process and the claimant s rights and responsibilities will be mailed to the unemployment beneficiary or denied applicant. The claimant should review all responsibilities and the appeals process to learn more about the upcoming steps. The appeal will first be sent to the Office of Administrative Hearings (OAH) and assigned to an administrative law judge. A hearing date and time will be set. Most hearings take place by phone; however, there are some instances where a location and an in-person hearing will take place. Once scheduled, the claimant s entire ESD unemployment file will be sent to him or her for review. It is the claimant s responsibility to gather evidence, to organize witnesses and their testimonials and to build a strong case to present at the hearing. Claimants should bring job search activity logs, paycheck stubs, written testimonials and other related documentation to the hearing or send them to the judge, if applicable. Some unemployment claimants or denied applicants may choose to hire lawyers, ask for legal representation from a free resource or bring a friend or a relative to the hearing. This is not required, but is allowed, and can be helpful in gathering pertinent evidence for a complicated case. However, all legal fees are the sole responsibility of the claimant. At the hearing, the administrative law judge will listen to the claimant s testimonial and witness accounts, and will review all evidence presented from

21 washingtonunemployment.org 21 Employer Appeals An unemployment beneficiary s last employer or any base year employer also has the right to appeal a decision made by the ESD. The employer can appeal the right for an ex-employee to obtain unemployment benefits or the amount that is awarded to the claimant. An employer may dispute the number of hours worked or the reason for termination. If an employer pursues an appeal, the unemployment claimant will need to gather evidence, collect witnesses and testify at an appeal hearing to support his or her case for benefits. An employer will file an appeal with the OAH, just as an unemployment claimant would. The claimant will be informed of the appeal that was filed, the hearing date and next steps in the process so he or she has time to prepare. If the employer is granted an appeal, the amount of benefits allotted or the approval of benefits may be overturned for a beneficiary.

22 22 washingtonunemployment.org Unemployment Extensions in Washington Unemployment benefit claimants usually receive benefits for 13 to 26 weeks, depending on the amount of weekly benefits calculated and the maximum amount of benefits payable. A benefit year is 52 weeks long, and once the year has ended, an unemployment claimant can attempt to apply for a new claim to receive benefits for the next benefit year. In some instances when an unemployment extension program is in place, a claimant can apply for the extension program and, if eligible, can continue receiving unemployment benefits after the maximum benefit amount has been reached, without waiting for the new benefit year. Benefit extension programs are implemented by the federal government and are only available in certain states during times of reported high unemployment. To learn more about potential benefit extension programs in Washington, past programs that have been available and how to qualify and apply for a benefits extension program, review the following sections.

23 washingtonunemployment.org 23 Current Washington Benefit Extension Programs There are currently no active unemployment benefit extension programs available in Washington. The federal government activates benefit extension programs when high levels of unemployment rates are experienced statewide. Since the current Washington unemployment rate is only 4.5 percent, there are no available benefit extension programs for unemployment claimants. During the Great Recession and for several years throughout recovery, the Extended Benefits program and the Emergency Unemployment Compensation programs were active in the state of Washington. However, in April 2012, the Extended Benefits program was deactivated due to a decreasing unemployment rate in Washington. Furthermore, the Emergency Unemployment Compensation program was also deactivated toward the end of 2013, because Washington no longer qualified for this federally funded program, due to a low unemployment rate. Past Unemployment Benefit Extension Programs The Extended Benefits program is activated in a state when it is experiencing extremely high unemployment. Washington currently does not offer the Extended Benefits program. For eligible applicants of the Extended Benefit program, an additional 13 weeks of benefits are provided after the original benefits are exhausted. After the 13 weeks of Extended Benefits are used, the unemployment claimant may also qualify for an additional seven weeks of benefits provided by the state government, if the budget allows, and this rule is enacted in the state. If both extensions are in place, the qualified unemployment claimant can receive up to an additional 20 weeks of unemployment benefits after the original maximum benefit allotment has been used or expired. The amount of benefits awarded through the Extended Benefit program may not be the same benefit allotment a claimant was receiving during the original benefit period. The amount of benefits can vary based on the funding provided to the program and the number of weeks the beneficiary qualifies for in the Extended Benefits program. The Emergency Unemployment Compensation Program was activated in many states during the 2008 recession, and was deactivated in December The federal program provided an extension of benefits for unemployment claimants once their original benefits were exhausted, with no lapse. States with high unemployment rates need programs like the Emergency Unemployment Compensation Program to offer extended benefits to unemployment beneficiaries, because it is much harder for unemployed residents to find jobs during these periods of high unemployment. The extension of benefits helps claimants to continue their job search activities while still receiving financial assistance from the program, even after their original benefit period has expired and their benefits are exhausted. While the amount of benefits awarded to the claimants in the benefit extension period may be less than the original benefit period, the financial assistance can still be helpful while claimants search for employment and other options for income. The Emergency Unemployment Compensation Program was divided into four tiers of benefits, and unemployment claimants who exhausted original benefits would move through the program from Tier One to Tier Four. After completing Tier Four, the claimants officially exhausted all unemployment benefits and no more financial assistance was offered through the program. The claimants would move through the following tiers after using all original benefits: Tier One: Claimant receives up to 14 weeks of additional benefits. Tier Two: Claimant receives an additional 14 weeks of benefits, after exhausting Tier One benefits. Tier Three: Claimant receives up to nine weeks of benefits, after both Tier One and Tier Two benefits have been used.

24 24 washingtonunemployment.org Their Four: Claimant receives up to 10 weeks of additional benefits, once all other tiers of the benefit extension program have been exhausted. If a Washington unemployment beneficiary maintained eligibility to receive benefits while the Emergency Unemployment Compensation Program was in effect, he or she could receive an additional 47 weeks of benefits. Qualifying for Benefit Extension Programs When a benefit extension program is in place in the state of Washington, unemployment beneficiaries must maintain an eligible status to continue receiving benefits after their original benefits are exhausted. Beneficiaries entered into an extension program are still required to file weekly claims and complete all work search activities. After accepting a full-time job, the beneficiary s benefits cease, and no more weekly claims can be filed with the ESD. To qualify for an extended benefits program, a beneficiary must have completely exhausted all original benefits and still have no form of full-time employment. Before the original benefits expire, if there is a benefit extension program in place, the ESD will mail a notification to the qualifying beneficiary with instructions on how to apply to the extension program. The claimant is generally required to fill out and submit another application before benefits in the extension program can be calculated and awarded. A beneficiary who has exhausted his or her original benefits, but does not respond to the benefit extension program correspondence in a timely manner, may be denied additional benefits. Beneficiaries or unemployment benefit applicants who have questions about potential extended benefit programs in Washington, their eligibility criteria and the enrollment processes can contact the ESD using the online contact form. The ESD can also be contacted using the SecureAccess Washington online system. Additionally, a beneficiary can speak with an unemployment benefit representative at the ESD by calling

25 washingtonunemployment.org 25 History of Unemployment Insurance In the year 1929, there were a documented 1.8 million unemployed workers residing in the United States. A plan to alleviate the effects of unemployment during regular economic times, while bridging the transition from one job to another, unemployment benefits were born from a nontraumatic time. And, due to the turnover rate associated with certain industries and unions, many Americans were left without stable income as they awaited their next paying jobs. As the Great Depression approached in the early 1930s, it was President Franklin Delano Roosevelt s mission to sign into action the Social Security Act, which delivered the structure of unemployment insurance. The Social Security Act pioneered the UI program, encouraging the states to develop and enforce their own policies and laws. The following provisions were required of each state in order to be approved by the Social Security Board: Benefits must be paid through public employment offices or other such agencies. Any benefits occurring within two years after the first day collected should not be paid. Contributions to the state fund require immediate transfer to the UI trust fund of the U.S. Any money withdrawn from the UI fund can only be used for UI benefits. There must be no denial of benefits to a recipient who refuses to accept a job of lower quality than his or her previous position. No vested rights should be created by the states to prevent or repeal state UI law. Soon after, several states began to pass unemployment insurance laws, including Wisconsin, California, Massachusetts, New Hampshire, New York, Utah and Washington. In the years that followed, all U.S. states and the District of Columbia carried out UI laws. Puerto Rico and the U.S. Virgin Islands followed suit in the 60s and 70s. In the early years, the timeframe and qualifications of UI differed greatly from what they are today. For instance, the period during which applicable candidates can receive unemployment benefits has increased from 16 weeks to 26 weeks. And, in recessional times, the

26 26 washingtonunemployment.org system has accommodated special programs to extend benefits beyond the initial UI period. For instance, in 2008, under the George W. Bush administration, extensions of UI reported coverage of up to 73 weeks. Currently, the limit is set at 47 weeks for those in need of extended UI benefits from their states. The framework of UI was founded to create a system that aided those out of work due to involuntary conditions. Providing funds to alleviate hardship, unemployment insurance is based on federal law but is helmed by state departments and functions under state law. Financed by employer payroll taxes (in all states but Alaska, New Jersey and Pennsylvania), unemployment insurance provides temporary cash benefits to those who are out of work due to involuntary circumstances. Furthermore, UI assists citizens in meeting their basic financial needs by providing monetary help while they look for new employment. In the mid-1990s, all states began shifting gears in their claims processes. Progressing from in-person claim filing to by-phone enrollment, today, more than 85 percent of unemployment cases are filed remotely, with the majority facilitated online.

27 washingtonunemployment.org 27 How to Explain Unemployment to Your Children If you were recently let go from work, one of the hardest tasks you face is breaking the news to your family. Of course, speaking with a spouse or your teenage children is not as difficult, but how do you explain being out of a job to the young ones? Consider the below tips about breaking the news gently and moving forward in a confident manner.

28 28 washingtonunemployment.org Speak in a positive tone When discussing the loss of your job with your kids, make sure your tone is optimistic. As you know, your actions and words greatly impact your growing child, so make sure to keep the negativity at a minimum. Do not bash your boss or use destructive vocabulary. If you feel the need to bad mouth your ex-employer or coworkers, replace that mindset with hopeful information. Let your child know you will be around a bit more, and are able to spend more time with them. Keep it simple If you use words that your children have not yet learned, then they will not understand the news you are trying to convey. Instead, speak to them in a way that is easy to understand. Avoid using intimidating big words, in favor of smaller ones that relate seamlessly. Let them ask questions Do not deliver the news of your layoff and then end the conversation. Instead, let your kids ask you some questions about what happened and why. So long as you convey easy answers in a calm manner, it will keep the conversation manageable. Discuss any setbacks Even though it may be hard to hear, it is important to easily communicate if there will be financial effects on your children. Will they need to enroll in public school instead of private school? Do you need to cancel an upcoming trip? Will you be modifying your shopping habits (both groceries and entertainment/toys)? If so, reassure your children that these things are only temporary, and that you are trying your hardest to get back on track for them. Be encouraging about future plans Equally as important as leaving negativity out of the conversation is sharing positive news about your future plans. Let your kids know you are already looking for a better job, and that you are excited for a new start. If you are feeling down in the dumps about your situation, try to keep it away from your young ones, or else it may upset them or cause worry that is otherwise best to avoid. Invite them to help Children love to get involved, and often do so to seek your praise. Let your kid assist with daily tasks and chores, like cooking dinner, easy house cleaning and taking care of your pet. However, make sure the tasks you allow your child to take on are both age-appropriate and independent. This way, you will be able to work on your job search-related duties, such as browsing job boards, working on your resume and tending to your correspondence.

29 washingtonunemployment.org 29 9 Tips for Writing the Perfect Resume Now that you are back on the job hunt, it is important to compile a strong portfolio to deliver at each job interview you schedule. The most important tool to prepare is your resume. An account of your job history and where you aim to work in the future, your resume should provide details about your professional experience in a clear and concise manner. Unsure of how to get started? Browse the below tips, so you can get on the path to perfecting your resume before your first job interview.

30 30 washingtonunemployment.org Do not overdesign A resume with clean lines and spacing is important. Overdesigning can distract a potential employer from the important details you are trying to convey. If you would like to get creative with a header and a footer, just make sure you keep them symmetrical to the page, and use inviting colors, if any at all. You can browse available templates to use online, as well. Keep it organized Before you input the information into your resume design or template, take extra time to organize each item. Use subheaders to introduce each section, and make sure the alignment from one section to the next is even and clean. If you are listing items, use bullets as an indication. Use bolding, italics and underlining to highlight certain fields in order to draw attention. Do not overuse these accents, or it will defeat the purpose, and they will get lost on the page. Include updated contact information Make sure to block out a space on your resume to include your contact information (centered or to one side on the top, or in a footer on the bottom of the document). Typically, your name, address, phone number and address are the main details needed. However, if you are applying for a job in another state, or plan to work remotely, your address is not always mandatory to include. Only include relevant experience If you are able to create a resume that centers around your experience in one given field, it will be received better than one that delivers irrelevant information. For example, if you are applying for a job as a web designer, there is no need to include your work experience as a retail salesman or as a neighborhood dog walker. However, if you can include additional information on experience you have within the realm of design (logos, graphics, print products, etc.), this is highly recommended to demonstrate your range. Note your accomplishments If you have received recognition, awards and accolades in your field, make sure to include this information. By showcasing these acknowledgements, you will stand apart from other candidates that have similar experience in comparison to you.

31 washingtonunemployment.org 31 Highlight related skills Similar to noting your related experience is including information on your related skills. Skills can range from programs you have learned to machines you know how to operate, depending on your industry. In the same example as above, if you are applying to be a web designer, you need not include your skills with QuickBooks, as you are not expected to know how to bookkeep. Offer your portfolio If you are applying for a job in a field in which you can supply a portfolio, include a link in your resume, or offer it upon request. This will provide easy access to your past work, and will save your potential employer time in requesting it directly. Make references available If you feel that you would like to include any references on your resume, two is a round number. You can also include that your references are available upon request if you do not feel comfortable including others contact information Have your resume proofread Whether it is a professional or a family member/friend with a keen eye, make sure someone proofreads your resume prior to finalizing and sending the document. Attention to detail is of utmost importance when demonstrating your professionalism.

32 32 washingtonunemployment.org Preparing for a Job Interview and Discussing Your Layoff As you enter the next phase of your job search, you will likely schedule one or more interviews with potential new places of employment. As you organize your portfolio and pick out a professional ensemble to wear, one question hangs heavy on your mind, How do I talk about my layoff at my interview?

33 washingtonunemployment.org 33 Preparation for New Employment No matter the circumstance, be it a week or three months, once you are laid off from one job, there will be a period of time that transpires prior to securing new work. The best thing you can do for your career is to be productive during this timeframe. Prior to securing any interviews, consider the following activities: Enroll in job training Whether related to your past field or a future industry in which you would like to find work, taking a job training course is an advantageous way to keep your mind engaged and your spirits up. Get a certification If you find that you have more time on your hands than you prefer, find a program that will result in a new certification. Note there are many programs online to consider. Volunteer somewhere meaningful Whether in an educational environment with children, a center with the misfortunate or a facility with seniors, occupy your time by lending a hand where you are needed.

34 34 washingtonunemployment.org Talking to Your Potential Employer As you walk into the office of your new potential workplace, try not to focus on your past job s outcome. Instead, focus on the opportunity in front of you. When the time comes to discuss your layoff, keep your response simple and concise. Do not go into the dirty details; do not bad-mouth your boss; and do not harp on a past you cannot change. Keep these tips in mind: Be positive. Smile and make eye contact. Stay emotionally centered and calm. Do not offer more information than necessary. Now, you may be wondering why it is necessary to enroll in the activities listed in the above section in preparation for your job interview. The reason is so that you will be able to get into a more positive mindset during your interview. By reporting the activities you took part in during your time of unemployment, you will have productive details to discuss, and you will not be conjuring up negative feelings due to your layoff. The discussion does not need to last for more than a couple of minutes. By taking control of the interview and delving into all of the significant things you have been involved with since your layoff, you can steer the conversation effortlessly and confidently in a different, upward direction.

35 washingtonunemployment.org 35 How to Use the Washington Unemployment Office to Begin Your Career Search Each unemployment beneficiary is required to create an online account with the SecureAccess Washington online system. This system is used to apply for unemployment benefits, to check on benefit allotments and to file weekly claims. Creating an online account with this system is crucial so unemployment claimants can stay organized and continue receiving benefits. Linked to the SecureAccess Washington website is the WorkSource website. This website can be used as a way for unemployment beneficiaries to complete in-person seminars and workshops for credit to satisfy weekly work search activities. Not only can the website help beneficiaries learn about their benefits and complete work search activities, it is also a helpful resource for residents who are beginning their career searches or are looking for new employment opportunities. To learn more about some of the important resources and online tools provided on the WorkSource website and the SecureAccess Washington online system, review the following sections.

36 36 washingtonunemployment.org Learn About Local Workshops and Hiring Events Job search workshops offered at WorkSource locations are designed to teach jobseekers how to efficiently search for suitable employment and how to present themselves as viable employees. Free workshops may include information on effective resume building and cover letter writing and techniques for completing successful job interviews. Attendance of an approved workshop with WorkSource can satisfy one weekly work search activity for unemployment beneficiaries. A list of all workshops currently offered through Washington WorkSource locations is available on the website. The workshops can be filtered by location, date or subject for further review by potential attendees. Hiring events are also an important resource for career seekers, because they are a great way to find all open positions at one employer or in an entire local industry. The WorkSource website offers a listing of several local hiring events and provides details on the industry, types of jobs that may be available at the event and potential requirements for employment with companies at the event. WorkSource online users can filter the multiple hiring events in the state by location, date of event, employers attending the event and the industry. Keywords or ZIP code can also be used to filter the upcoming events, so career seekers can find the hiring events that apply to their interests and meet their needs. The hiring events webpage on WorkSource is a great resource for career seekers who are ready to meet with potential employers. Browse Career Profiles Jobseekers who are unsure of the industry or career that is right for them can explore many job types using WorkSource online career profiles. The website hosts career profiles for approximately 900 careers offered in Washington and gives details on job expectations, duties, salary, required education and training. The career profile also covers growth outlook and the types of skills, personality characteristics and interests an ideal jobseeker would need for the specific type of job. The WorkSource website also allows users to compare the characteristics of different career profiles including the educational requirements, the salary outlook and the daily job tasks. Data is available for several careers at national, state and local levels for comparison purposes. Industry profiles are also presented on the WorkSource website for jobseekers who are researching potential new careers. Industries that are growing fast, those that are declining in job availability and industries that are known for being the highest-paying are identified on the WorkSource website. Jobseekers can use this online resource to find potential industries and positions that suit their skill levels and interests. Search for Jobs The job search feature on the WorkSource website can be accessed once a user has created an online account. The personal system is referred to as My WorkSource and can be used to organize and maintain different cover letters and resumes, depending on potential open positions for which the user wants to apply. When a job search is performed, the user can also save favorite jobs to review and apply to later. Specific search criteria can also be saved to the user s profile under Saved Searches, allowing the jobseeker to run the same search whenever needed. Jobs that the user has successfully applied to are saved under the Applied Jobs tab so the user can browse through potential opportunities. The career profile allows a registered user to input his or her skills, education and training, and match it to potential job opportunities in the area. This can help a jobseeker learn about the open positions that he or she is qualified for without additional education or training. A jobseeker can also utilize the calendar that is built into the account to organize all upcoming job interviews, appointments and application deadlines. The My WorkSource dashboard offers an easy and organized way for workers to complete their job searches, to apply for jobs, to make appointments and to file resumes and cover letters for consistent use.

37 washingtonunemployment.org 37 Tips for Documenting Your Job Search Activities While on Unemployment in Washington Washington unemployment beneficiaries are responsible for completing at least three qualified work search activities each week they receive benefits. The work search activities that are completed must also be logged efficiently so Employment Security Department (ESD) representatives can review the activities, if requested. Failure to complete these weekly job search activities, or an inability to log the activities may result in a denial of benefits for the week in question. It is important for all unemployment beneficiaries to complete the activities and accurately log them to ensure benefits are not refused. To review crucial tips for completing and logging weekly work search activities, review the following sections.

38 38 washingtonunemployment.org Approved Weekly Work Search Activities Not every activity an unemployment beneficiary completes will qualify as an approved, weekly work search activity. It is important for unemployment claimants to learn what types of activities are considered job search activities that will count toward the three mandatory activities. There are two types of work search activities that meet the program s qualifications. They include making contact with an employer about suitable work or participating in an in-person job search activity through a WorkSource center. A valid contact with an employer occurs when an unemployment beneficiary reaches out to an employer to inquire about an open position or to apply for a position. This contact can be completed by phone, via , through a website inquiry, through fax, via mail, at a self-service application kiosk or by making an in-person visit to the employer. Even if the contact with a potential employer ends and the employer states there are currently no open positions, a beneficiary can still count the employer contact as the completion of a valid weekly work search activity. If the employer is hiring and has a suitable open position for the unemployment claimant, he or she is responsible for following through with all steps in the application process to log it as a successfully completed weekly work search activity. Use the Official Weekly Work Search Activity Log Worksheet The ESD provides a helpful weekly work search activity log that is available online for all unemployment beneficiaries. The log should be used by beneficiaries each week to track the work search activities they have completed. Details including a potential employer s contact information, type of job applied for and date of contact are requested on the log worksheet. Unemployment beneficiaries who have completed a WorkSource in-person work search activity will need to briefly explain what was completed in the log. For in-person, kiosk or telephone contacts, an additional section on the log worksheet that asks for the employer, the contact information and the name of person contacted must be completed. Unemployment beneficiaries must fill out this section on the log to validate the contact that was made and its relevancy in their job searches. For employer contacts that were made from a newspaper advertisement or an online advertisement, the unemployment beneficiary should keep a copy of the advertisement or online confirmation page. The paperwork will need to be attached to the weekly log to validate the contact that was made, and that the work applied for was suitable for the unemployment claimant. An in-person work search activity can be completed through an approved WorkSource center. Local WorkSource centers offer job seeking workshops and informational sessions with professional recruiters so unemployment beneficiaries can sharpen their job search skills. Many workshops cover skills for building resumes and cover letters or for completing successful job interviews. The attended workshop must be held at an approved WorkSource center or at an American Job Center, and should be related to improving skills when searching and applying for suitable employment.

39 washingtonunemployment.org 39 Keeping Weekly Work Search Activity Logs Organized It is important for unemployment claimants to keep work search activity logs current, updated and in a secure location. Unemployment beneficiaries must complete a log for each week they attempt to claim benefits. However, beneficiaries are not required to submit weekly work search activity logs each week. They are only required to turn in a log when it is requested by an ESD representative. Representatives may randomly ask for logs and can double-check the information given in the log to ensure the claimant has given accurate information. ESD representatives may call employers listed in the log worksheet or visit the employer website to ensure suitable work for the beneficiary is being offered. Additionally, the ESD worker may contact the WorkSource center location to confirm that the unemployment claimant did attend the in-person activity as provided in the log. An ESD representative can ask to see a log worksheet up to 60 days past the end of the benefit year, or up to 30 days after receiving weekly benefits, whichever timeframe is the longest. Unemployment beneficiaries should keep a file of all weekly work search activity logs organized by date, so it is easy to send the logs to ESD representatives, if requested.

40 40 washingtonunemployment.org How to Chart Your Mandatory Weekly Activities While Receiving Unemployment in Washington When an unemployment benefit applicant is approved for benefits after submitting an application, the rights and responsibilities of the beneficiary will be sent for review. The most important weekly task that must be completed to continue obtaining benefits is the job search activity requirement. To maintain eligibility status for unemployment benefits, a claimant must complete three approved weekly job search activities, and keep them recorded in a log. Charting the work search activities is just as crucial as completing them, since an Employment Security Department (ESD) representative may ask to review the logs at any time. To learn more about charting requirements and where to obtain an official job search activity log worksheet, review the sections below.

41 washingtonunemployment.org 41 Job Search Activity Log Requirements An unemployment beneficiary must be willing and able to work, and actively searching for a job to receive benefits. Each week that unemployment benefits are claimed, he or she needs to complete approved work search activities to prove his or her motivation to obtain employment and to stop receiving benefits. Since the Washington unemployment benefit program is a temporary way to financially assist those who are underemployed or unemployed, actively searching for a suitable job is required of all claimants. The goal of all unemployment beneficiaries should be to obtain employment that allows their households to be self-sufficient and to stop claiming benefits through the program. log to qualify as a completed activity. To learn more about potential WorkSource in-person workshops, an unemployment beneficiary can visit the WorkSource website to find convenient center locations. Approved, weekly job search activities include making valid contact with potential employers or completing inperson job search activities. All beneficiaries are required to complete a combination of at least three of these activities per week, unless notified otherwise by the ESD. A valid employer contact can include an , a website or an online system form completion, a fax, contact by mail, an in-person meeting or a visit to a self-service kiosk to turn in an application or to discuss an open position. An unemployment beneficiary who reaches out to the same employer on multiple occasions can only count it as one approved activity. When attempting to contact an employer about employment, the unemployment beneficiary must also complete all steps in the application process. An incomplete contact or an incomplete application procedure will not be regarded as making a successful contact, and cannot be counted as one of the three weekly job search activities. Washington WorkSource locations offer free workshops and other in-person activities that can also count toward job search activities for the weeks an unemployment beneficiary claims benefits. Workshops and seminars that cover job search strategies, interview skills and the steps to building effective resumes may be available at a local WorkSource center. The activity must be completed in-person and briefly described in the job search activity

42 42 washingtonunemployment.org Using the Job Search Log To properly log all job search activities for the week, unemployment beneficiaries should use the official job search log provided by the Washington ESD. The job search log can be downloaded from the ESD website and printed at home. The job search log is also available for download in the Unemployment Handbook on pages 39 through 42. A sample of a completed weekly job search log is also provided for review in the handbook. To successfully complete a weekly job search activity log, an unemployment claimant must first fill in the enddate of the week the log references. The claimant s name and Social Security number is also required before filling in the weekly employer contacts or in-person activities completed. To log an approved employer contact, the unemployment beneficiary will need to provide: location. The ESD has created an instructional online video to assist all beneficiaries in completing the job search activity log correctly. Work search activity logs should be completed legibly and with a dark-ink pen. They should be kept at least 60 days after the end-date of the benefit year, or at least 30 days after the end-date of the weekly claim, whichever is later. During this period, the ESD can request a copy of logs at any time. However, the work search activity logs will not need to be turned into the ESD, unless requested by a representative. ESD representatives may contact all employers listed on the work search activity logs, so thorough and updated information is important. Fraudulent claims for employer contacts or completed WorkSource workshops may result in the denial of benefits. The date of contact. Type of contact made (online or , in-person, telephone, self-service kiosk, mail, fax or another type). Employer name, mailing address and contact information, including the specific person who was contacted. Details for an online, an , a fax or a newspaper contact, including the website or the job reference number. A copy of the newspaper advertisement or the online application confirmation screen, if applied online or through a print advertisement. When a WorkSource activity is completed, the unemployment beneficiary needs to check the box next to WorkSource activity. He or she will also need to write a brief explanation of the activity completed. For example, the beneficiary could write job interview workshop if inperson interview training was completed at a WorkSource

43 washingtonunemployment.org 43 Reporting Unemployment Fraud in Washington Washington unemployment fraud is a serious offense that is investigated by the Employment Security Department (ESD) in the state, once reported. Unemployment beneficiaries are encouraged to always be forthcoming with information about their current employment situations and household characteristics to avoid being accused of committing unemployment fraud. If it is suspected that another party is committing unemployment fraud, residents are encouraged to report the suspicions to the ESD as soon as possible. Beneficiaries who are convicted of unemployment fraud may be subject to unavoidable penalties including paying fines and fees, and the inability to receive government assistance from the state. To learn more about how to prevent committing unemployment fraud, how to report fraud if suspected and the penalties a fraudulent claimant could face, read through the following sections.

44 44 washingtonunemployment.org How to Prevent Unemployment Fraud Unemployment beneficiaries should carefully report their hours and earnings to the ESD to prevent the accusation of committing unemployment fraud. Withholding information or reporting inaccurate information is a form of unemployment fraud that can lead to a conviction. The best way to prevent unknowingly committing unemployment fraud is to keep consistent and thorough records of all work search activities completed and all hours worked. If a question on the unemployment application or the weekly claim report is not understood completely, an unemployment claimant or an applicant should contact the ESD to explain the question or to ask for assistance. Guessing at the potential answer to a question that is not clearly understood can lead to potential unemployment fraud, even if it is unintentional. When submitting weekly claims to continue receiving unemployment benefits, claimants should give accurate information on the precise number of hours worked and the compensation earned. Estimating or rounding out the number of hours or wages can also result in an accusation of unemployment fraud. It is important for claimants to report the gross wages (the amount of money earned before taxes are taken out) when filing weekly claims or filling out unemployment benefits applications. The ESD provides all unemployment claimants with a wealth of information once they apply to the program, which includes an overview of the hours worked and the wages earned in their recorded base years. This worksheet should be reviewed thoroughly, and if any discrepancies are found, the claimant should report potential changes to the ESD as soon as possible. Each week that a claim is filed for unemployment benefits, the claimant should also review the benefits awarded to him or her to ensure they are correctly calculated. Accepting benefits due to an error by the ESD or an error made by the claimant can result in the accusation of unemployment fraud and penalties will be enforced. All unemployment beneficiaries should report accurate activities, wages and hours worked to avoid potential unemployment fraud penalties and consequences.

45 washingtonunemployment.org 45 How to Report Unemployment Fraud A Washington resident who suspects an unemployment beneficiary is committing fraud should report this suspicion to the ESD immediately. The ESD will need several pieces of information to identify the claimant, including: Name, contact information and Social Security Number. Employer information, contact information, dates of employment, types of work and current employment situation. Wage and compensation information, including any self-employment wages earned. Reasons that unemployment fraud is suspected. Other information that may be helpful to an ESD representative who is investigating the case. A suspicion of unemployment fraud can be reported by phone, online or by fax. A resident who suspects a claimant of committing fraud can call the ESD at He or she can also fax all pertinent information to the department at Additionally, the resident can contact the ESD about fraud by using the online form and including all information requested, if known. Unemployment beneficiaries who realize a mistake might have been made when calculating benefits, or who do not report all wages or work completed should also contact the ESD as soon as possible. Reporting potential errors for unemployment benefits may result in the beneficiary being responsible for paying back the benefits, plus penalty fees.

46 46 washingtonunemployment.org Unemployment Fraud Penalties An unemployment beneficiary who knowingly commits fraud will be denied benefits and may be refused any type of benefits through the state of Washington if convicted of the crime. A beneficiary who commits unemployment fraud will be responsible for paying back all the benefits received through fraudulent claims, with the addition of penalties and fees. Eligibility for future benefits will also be lost if it is proven that the claimant knowingly committed fraud. When the first unemployment fraud violation is committed, the claimant is required to pay back all benefits, plus an additional 15 percent of the amount claimed. The violator is also denied unemployment benefits for six months after paying back the fraudulently claimed benefits. The second unemployment fraud violation results in a denial of unemployment benefits for a year. The violator must pay back all fraudulent claim benefits awarded, plus a 25 percent penalty of the amount claimed. The third violation will result in two years of denied benefits, the pay back of all benefit claims and an added 50 percent of the amount of the claim. Violators may also face jail or prison time and prosecution by the United States government for committing unemployment fraud.

47 washingtonunemployment.org Ways to Make Money During Unemployment When you are having a hard time looking for work, it is easy to get discouraged. But, at the end of the day, you need to earn the funds necessary to meet the costs of living. If you are already receiving unemployment checks but still cannot seem to get by, there are several quick ways to earn easy cash. Review the below ideas so you can start pocketing extra money while you are in between jobs.

48 48 washingtonunemployment.org Do market research Start by looking up the local market research firms in your area. Commonly, you will only qualify to participate in one market research experiment during a specified time period. However, there is no rule against enrolling in several market research programs simultaneously. Monetarily, you can earn anywhere from $50 to $300 on average per market research case, if you are the right fit. Do handy work If you are good with your hands and home repairs, advertise your services through your social networks and to your neighbors. If you can guarantee you will fix something at a more affordable price than a licensed professional, you can rack up the work in no time. Be sure to have your friends endorse you in return. Be a professional driver If you live in a city that employs one or more driving services, and you own a car in suitable condition, sign up to be a driver. If Uber and Lyft both exist in your town, you may even be able to drive for both companies, so you can keep busy around the clock. Have a garage sale Assess your belongings and determine whether or not each possession is really necessary for you to own. Oftentimes, you may compile a whole mess of interesting goods. Once you have inventoried everything, plan a garage sale. Post ads online and put up signs in your neighborhood. Don t have enough items to host your own sale? You have two options: contact a few friends to co-host or download different apps to sell off your goods. Be a dog walker If you are a dog lover, offer your dog-walking services. Ask if you can post flyers in nearby buildings and offices so you can spread the word. You can stay quite busy walking dogs in a well-populated area.

49 washingtonunemployment.org 49 Offer to babysit Are you great with kids? Consider babysitting. New parents are almost always looking for extra help. Contact friends and acquaintances to let them know you are interested in babysitting. Word of mouth will travel fast. Work as event staff Browse online job boards that are specific to events in your city. Websites like Craigslist feature a section specific to paid event help. Some positions that regularly hire include: models, performance artists, brand ambassadors, bartenders, ticketing workers and security guards. Clean homes If you are neat and tidy and enjoy cleaning, why not get paid to do it? Network among friends or join a service that outsources cleaning people to different homes in your area. Become a house sitter If you enjoy residing in different living spaces, then offer your help as a house sitter. If you cannot afford your rent and would like to house sit for someone long-term, you may even be able to live rent-free in exchange. Rent out a room in your home If you live in a house that has more bedrooms than necessary, and you enjoy entertaining and having guests, you can rent out a room to make some extra cash. Joining a network like AirBnB can help you advertise your room, manage bookings and transfer funds easily.

50 50 washingtonunemployment.org Cost-Cutting Measures You Can Take While on Unemployment in Washington For family members who have recently lost their jobs or have suffered cutbacks on working hours, it can be tough to adjust to earning less monthly income. The financial assistance of unemployment benefits can help families in need stay out of debt while dealing with periods of low income. However, it is still important to make monetary changes in the household, so debt does not accumulate and savings funds do not deplete. There are many cost-cutting measures that can be adapted temporarily into families when less income is earned. The following sections review some of the most effective cost-cutting measures that households should consider implementing while obtaining unemployment benefits.

51 washingtonunemployment.org 51 Create a Realistic Monthly Budget One of the best ways to ensure a family does not incur debt while temporarily experiencing low income is to create a monthly budget that can realistically be followed. To create a budget, the family should calculate the new total amount of income earned each month, including unemployment benefits. Next, the family can organize all mandatory expenses and bills, including the mortgage or rent payment and utility bills that must be taken care of each month. Estimates can be made for the amount spent on the family s groceries, clothing, household items and other necessities. Additionally, the family should consider how much is usually spent on entertainment, hobbies or meals eaten in restaurants. The amount of income should be more than the total monthly amount spent. If this is not the case, family members should figure out what can be cut from the monthly budget now that income is less than it used to be. The unnecessary items should be eliminated from the monthly allowance and should be sacrificed while the family is experiencing low income. The necessary expenses can be totaled and confirmed that they are less than the income earned. Once the totals have been calculated, the family has a better idea of a realistic monthly budget and how much money may potentially be have left over once all necessary items have been tallied. Continue Building an Emergency Savings Fund A financially responsible household may have started an emergency savings fund for unexpected expenses like a home repair, medical bill or car repair. It is important for the family to maintain this emergency savings fund, even in times of financial distress. Emergencies happen at any time, so a family with a solid savings fund will not be hit as hard if an emergency expense were to occur. It may be tempting for a family to not cut any unnecessary expenses from the budget and to start using this emergency savings fund to pay for the extra and frivolous purchases. However, it is financially safer for the household to live more simply and to continue to

52 52 washingtonunemployment.org contribute to the emergency savings fund if household members are able to do so. Long-term debt can be avoided if an unexpected large expense does not have to be paid for by a credit card or a loan. Set Expectations Before Shopping Whether a low-income family is preparing to shop for household items, clothing or groceries for the home, expectations should be set before leaving for the shopping trip. If a monthly budget has already been set, the family members can decide how much of it will be spent while shopping for certain items. Assigning a price limit for each item needed will help the family stay within the confines of the budget throughout the trip. It is also important for the family to think long-term when purchasing items for the household. While a larger item, or one of higher quality, may be more expensive, it can sometimes be worth the investment if the family can purchase it and still stay within the monthly budget. For example, if pasta is a frequent dish cooked for dinner, buying a container of pasta in bulk at the grocery store may allow the family to save money. Bulk items can usually offer a lower price per unit than a smaller size. If a family member needs new shoes, the family may also want to consider purchasing a high-quality pair that can be used for several purposes. This will ensure new shoes will not need to be bought for the same family member again for a while. Live Simply and Avoid Extras Families receiving unemployment benefits will need to make several adjustments to their spending habits while earning low incomes. Living simply and avoiding extra and extravagant purchases is the best way to ensure debt is not accumulated. Family vacations or new furniture may need to wait until the household members are back on their feet financially and earning generous incomes again. Making decisions on what can be cut from the family s usual monthly expenses can be hard, but living simply while the household earns a low income is the best way to avoid the negative longterm effects of incurring debt and draining savings.

53 washingtonunemployment.org 53 Alternatives to Taking on Credit Card Debt and Depleting Your Savings Households that fall into debt can struggle to make future financial progress, and can have trouble obtaining loans for large purchases, like houses or vehicles. Allowing a savings account to build up and preventing credit card debt can be the best ways for families going through periods of low income to avoid taking on long-term debt. By following the financial strategies reviewed in the following sections, households can make it through economic hardships without negatively affecting their futures.

54 54 washingtonunemployment.org Ask for Financial Help There are many ways a low-income family can receive financial assistance while struggling to pay for monthly expenses. Washington residents can turn to government-funded resources and programs to assist with their monthly budgets, health care and grocery bills. Most of the programs are temporary and have strict expiration dates for qualifying households, so it is important for all low-income families to create solutions for their monetary issues in timely manners. This may include lowering monthly expenses or obtaining employment with higher salaries and benefits. Households that are already experiencing debt-related hardships have options when it comes to paying off credit cards and other increasing loans and bills. There are many viable debt consolidation companies that can assist debt-ridden households in formulating helpful plans to get out of debt. When considering debt relief services or debt consolidation companies, do thorough research before signing up for services. Reviews of the companies and specific plans of action should also be reviewed before a potential consumer decides to utilize the services of the company. A debt consolidation service can help a family lower monthly debt payments, reduce the amount of credit card debt owed to companies and help the family get out of credit card debt faster. Families who are struggling to pay their mortgages, car loans or other bills should consider asking for help. A family who is behind on mortgage payments can attempt to contact the mortgage company for payment options. Mortgage statements that are left unpaid can lead to a possible foreclosure of the home, so speaking with the company can avoid serious consequences. The bank that administers a car loan may also be able to assist a consumer to avoid a repossession of the car. The company may be able to offer an easier payment solution, or a temporarily lower payment while the household works to obtain a higher monthly income. Consider Alternate Payment Methods Credit cards are not the only option to use to pay for monthly expenses. There are several other methods that allow a consumer to pay for expenses without using money right away. A charge card works just like a credit card, and charges can be made without the money coming directly from a checking account. However, the monthly balance of a charge card must be paid at the end of the month. This prevents credit card debt from accumulating and the consumer from being subject to high interest rates.

55 washingtonunemployment.org 55 A checking account debit card is another way for low-income families to prevent accumulating credit card debt or using important savings account funds. Debit card holders can sign up for recurring bill payment options using debit cards that are attached to checking accounts. All bills can be paid using this card, and no debt will be accumulated, since it is taken directly from the account. While this is a debt-free option, it is important for card holders to be aware of the days the account will be charged for specific auto-payment bills. This will prevent an overdraft from the checking account and the payment of additional banking fees and penalties. Using cash instead of a credit or debit card can also be a helpful way for families to stay on budget and to avoid debt. Once income is received, using cash to pay for bills and expenses allows the household to meticulously keep track of all income. While using cash as a payment method may work to stay out of credit card debt, families may find that some payments to banks or companies must be made with a credit card or a check. Keeping track of all purchases will help the family avoid turning to a credit card or to a savings account for monthly payments. Use a Budgeting Tool Families experiencing low incomes who want to avoid credit card debt and continue to accumulate savings should consider the use of budgeting tools. There are many free smartphone applications, computer software programs and spreadsheet templates that can assist families in creating realistic monthly budgets. By providing information on the income earned by the household, monthly bills and other expenses, a budget can be created that will keep the family from needing to use savings account funds or a credit card. Certain expenses may need to be cut from the budget, including going out to eat or purchasing hobby-related items. Sticking to a budget is a helpful skill to obtain to avoid debt, even when families begin to experience higher monthly incomes.

56 56 washingtonunemployment.org Free Food Programs in Washington for Unemployment Beneficiaries Unemployment beneficiaries experiencing low incomes due to job loss or a reduction in working hours may allow their households to qualify for other government assistance programs, including financial assistance for monthly food expenses. Groceries can be one of the highest expenses for households that need to provide meals for all family members on low incomes. Additional government assistance that focuses on helping families provide these meals can be helpful for low-income households that need to stay on-budget. To learn more about the Washington free food programs that many unemployment beneficiaries may already qualify for, review the following sections.

57 washingtonunemployment.org 57 Washington Basic Food The United States Department of Agriculture administers the Supplemental Nutrition Assistance Program, which is called the Basic Food program in Washington. This government assistance program offers qualifying applicants monetary benefits on a simple Electronic Benefit Transfer (EBT) card that can be used at approved merchants to purchase healthy and nutrient-dense foods for the family. Foods like cereals, breads, meats, dairy products, fruits and vegetables can be purchased at participating food stores by program enrollees. Basic Food beneficiaries must prove their United States citizenship, their Washington residency and meet the low-income requirements of the program. To qualify for Washington Basic Food, a household can earn up to 200 percent of the Federal Poverty Level. There are no asset limits set for the program, if the household meets low-income guidelines. For example, a single person can earn up to $2,010 per month and qualify for the program, while a four-member household must earn $4,100 or below per month to qualify. Potential Washington Basic Food applicants can apply for the program online using the convenient Washington Connection system, and will be notified by mail of eligibility status. The amount of benefits awarded to each eligible family depends on the size of the household and the monthly income earned.

58 58 washingtonunemployment.org Washington State Summer Food Service Program Many Washington public schools participate in School Breakfast and Lunch programs, which provide school-aged children who live in low income families with free or reduced-price breakfast and lunch when school is in session. However, these low-income families may struggle to provide food for their children during the summer months when school is dismissed. The Washington State Summer Food Service Program offers free meals to families struggling to provide summer breakfast, snacks, lunch or dinner to children under the age of 18. By simply visiting a meal resource location, households can receive free meals and snacks for their children when school is not in session. Families who participate in the program may pick up a maximum of two meals per day for each child who is a current Washington resident and is under the age of 18. Using the online Washington Resource Finder, families can locate participating food distribution sites in their areas using their home address. Apartment complex community centers, school cafeterias, daycares and public parks are popular sites for meal distribution centers. Families who are interested in receiving free meals for their school-age children should call specific resource centers to confirm their location and hours before attending. Some centers may ask participating families to prove residency in the county, or the age of children before providing free meals or snacks.

59 washingtonunemployment.org 59 The Washington Women, Infants and Children Nutrition Program For pregnant women, new women who are not breastfeeding, women who are breastfeeding and children under 5 years old who are experiencing periods of low income, the Washington Women, Infants and Children (WIC) program can assist with nutrition. Fathers, grandparents and other child caregivers can also enroll in the program, if eligible. For qualifying families, the program offers financial assistance for nutritional food each month, as well as nutrition education and breastfeeding support. Health screening and health specialist referrals are also available for beneficiaries who are enrolled in the program. The Washington WIC program is designed to ensure all children have a nutritious, healthy start, even if the household is currently suffering from financial hardship. Administered by the Washington State Department of Health, families must meet certain income guidelines to qualify for the WIC program. A two-member household (including the baby or child under 5 years old) will need to prove they earn $2,504 or less each month to qualify for WIC benefits. A four-member household should earn $3,793 or less each month, while a sixmember household needs to bring in $5,082 or less each month to qualify for the Washington WIC program. To learn more about eligibility criteria and program benefits, potential applicants can call the information hotline at The application process must be completed in person and residents interested in applying should find a local WIC clinic online and call to make an appointment. An interview with a WIC representative will be scheduled and he or she will ask the potential applicant questions about household and income. The interview process takes 30 to 45 minutes, and if it is determined that the applicant qualifies, a check for WIC benefits may be issued on the same day.

60 60 washingtonunemployment.org How to Acquire Health Care While on Unemployment in Washington Washington residents who are currently receiving unemployment benefits may also be eligible for free or reduced health care through a government program. Medical care and health insurance can be the monthly expenses that many low-income families struggle to pay for, leaving household members without coverage. With the help of government-funded programs, assistance to continue health insurance coverage and to provide reduced medical care can help families who are financially struggling due to recent job loss or reductions in income. Medicaid is a federal program designed to assist low-income families in keeping their family members healthy, without exposing them to debt. The Washington Medicaid program is called Washington Apple Health, and is administered by the Washington State Healthy Authority. To learn more about the eligibility criteria for beneficiaries, enrollment options and potential coverage the program can provide, review the following sections.

61 washingtonunemployment.org 61 Eligibility for Washington Apple Health Apple Health can provide coverage for adults, pregnant women and children. There are several eligibility guidelines that must be met by Apple Health applicants in order to be accepted into the program. A Washington resident may be an eligible candidate for the program if he or she: Is 19 to 65 years of age, a United States citizen, or a legal immigrant who meets all Medicaid immigration requirements. Is a Washington resident and is not currently incarcerated. Is earning a household income that falls within the program s eligibility guidelines. Is a pregnant woman who earns 198 percent of the Federal Poverty Level (FPL) or below. Is a child in a household that has an income at or below 215 percent of the FPL, or a child in a household that earns 317 percent of the FPL or less (a monthly premium will apply to keep coverage active). The income guidelines set by Washington Apple Health depend on the type of applicant and the household member characteristics. For example, a four-member household of adults (aged 19 to 65) will need to earn $2,829 or less monthly to qualify. A four-member household with a pregnant woman should bring in $4,059 or below monthly to qualify for the program. For free Apple Health coverage for children, a four-person household must earn $4,408 or less per month. Interested Washington residents can review the Apple Health Income Eligibility Table in the program s online brochure to learn about all income guidelines for the program. Enrollment Methods for Washington Apple Health Enrollment into the Apple Health program can take place for eligible parties year-round. Potential candidates can enroll in the program online, by phone, in person (if application assistance is needed) or by mail. To enroll online, a potential candidate should first visit the Washington Health Care Plan Finder website and start the application process. The household monthly income, immigration information (if applicable) and household member dates of birth and Social Security Numbers will be requested when filling out the application. To apply for the program by phone, potential enrollees can call , with all household information available to complete an online application. For potential applicants of the Washington Apple Health program who have disabilities, or who need assistance with translation services, call the phone application line and ask for an in-person assister to help complete the application. In-person application assistance can also be requested by visiting the Health Care Plan Finder website and clicking on the Customer Support link. In-person assistance will be arranged by a representative to help the potential applicant complete all the necessary paperwork and to prove eligibility for the program. Potential applicants who prefer to mail in a paper application can download and print the application from the Washington Health Care Authority website. Once the application has been completed and signed, it can be mailed to: Washington Healthplanfinder P.O. Box 946 Olympia, Washington, A paper application completed by a potential applicant can also be faxed to For an application to be accepted by any method, it must include the applicant s name, date of birth, address and signature. If additional information is unknown and is not provided at the time of application submission, it may be requested at a later time by a representative.

62 62 washingtonunemployment.org Washington Apple Health Coverage Once an eligible applicant has applied for coverage with the program, he or she will be approved for free health care or reduced-cost care. There are several different types of benefit packages available, which offer varied coverage. Generally, an approved applicant that obtains complete coverage through Washington Apple Health Coverage will receive assistance with: Doctor s visits. Screenings and X-rays. Specialist visits and hospital trips. Prescription drugs and medications. Mental health and substance addiction treatment. Pregnancy services, immunizations and dental services may also be covered on many benefit packages offered through the program. Upon acceptance of the application, a program enrollee will be enrolled in a specific benefit coverage program that assists with medical coverage and provides health insurance for future treatments. Additionally, based on the characteristics of the household and the applicant, it will be determined if the coverage offered will be free or if it is subject to a low monthly premium.

63 washingtonunemployment.org 63 Other Financial Assistance Programs Available in Washington Washington households that are currently receiving unemployment benefits may be experiencing periods of low income, which can affect a family s ability to pay monthly expenses. Families who qualify for unemployment benefits may also qualify for other government financial assistance programs in the state. These programs can assist with prescriptions drugs, child educational opportunities or general monthly expenses. Applying for several government assistance programs while dealing with a temporary low income can prevent a family from experiencing the long-lasting effects of extensive debt and the inability to keep up with loan and mortgage payments. To learn about a few financial assistance programs that unemployment beneficiaries may qualify for, review the sections that follow.

64 64 washingtonunemployment.org Washington Early Childhood Education and Assistance Program (ECEAP) and Head Start Program The Early Childhood Education and Assistance Program (ECEAP) is a state-funded program, while the federal government funds the Head Start Program. Both programs are designed to assist eligible children and their families to ensure school and education is a priority and is easily achievable. The programs are focused on children growing up in low income families facing adversity, developmental problems or environmental setbacks to ensure they receive positive educational experiences and have opportunities for successful futures. Both programs are focused on the same goals, but are designed differently to include needy children and families in the area. The Head Start program was designed for 3-year-olds to 5-year-olds, so they can enter a Head Start preschool. The preschool focuses on teaching the children to follow rules, to get along with others and to manage feelings and emotions. After completion of a Head Start preschool class, children are usually prepared for public schools to attend kindergarten, and generally have a better experience with the transition. The ECEAP offers partial-day, half-day or full-day classes to children who qualify for the program. There are also ECEAP Extended Day programs that provide 10 hours of supervision through classroom study and childcare, which is ideal for low-income, working parents. Both education-related programs also assist lowincome families with home-based services to help with developmental issues, nutrition education and social services. Assistance through both the ECEAP and Head Start Program can be useful for parents currently experiencing low incomes to ensure their young children can start their educational careers on the right track. To enroll a child in the ECEAP, a parent or caregiver should contact the desired ECEAP location for registration instructions. Families who are interested in registering their children for the Head Start program should use the online locator to find a convenient program and to learn about the registration process. Washington Prescription Drug Program (WPDP) The Washington Health Care Authority offers a prescription drug discount card to all residents looking for assistance with the high cost of prescription drugs and medications. Residents who have a health insurance plan with a high deductible, or low coverage for prescription drugs may benefit from obtaining this discount card. The card has no annual fee and is free to obtain from the Health Care Authority. Once a drug card is obtained, the cardholder can present it to the pharmacy when purchasing prescription drugs or medications. Usually, a discount for the purchase may be available for the resident. The discount can save the purchaser about 60 percent on generic drugs and about 20 percent on brand name medications. There are some types of medications that may not be covered, and certain local pharmacies do not accept the discount card. Cardholders should contact the pharmacy to discuss the possibility of using the discount prescription drug card before placing the order. To learn how to enroll, how to obtain a card and about the many prescription drugs and pharmacies that participate in the program, a potential cardholder can visit the Washington State Health Care Authority website. Washington Temporary Assistance for Needy Families (TANF) The Temporary Assistance for Needy Families (TANF) program offers financial assistance to residents who are pregnant or are responsible for the care of children. To qualify for benefits, the applicant must also prove specific income and resource guidelines are met. If unemployment benefits are currently being received by an eligible family, the TANF benefits may be decreased based on the amount of benefits received. Additionally,

65 washingtonunemployment.org 65 if the household obtains a source of income, like a part-time job, this will also be deducted from the monthly TANF benefits offered. For TANF eligibility, a family must have resources of $1,000 or less. These resources may include money in a savings or a checking account, bonds, stocks, mutual funds and vehicle equity over $5,000. The family must also meet income limits each month, cooperate with Child Services and reside in an approved living situation. A TANF beneficiary may also be required to participate in the WorkFirst Program to continue receiving benefits, if requested, by the Washington State Department of Social and Health Services. To learn more about eligibility for the TANF program and to apply for cash benefits, an interested potential applicant can visit the Washington Connection website.