Unemployment insurance — how to claim

Who qualifies?

Unemployment insurance (UI) is run by each state. Common requirements across all states:

• You lost your job through no fault of your own (layoff, company closure, reduced hours)
• You worked enough weeks and earned enough wages in your state's "base period" (usually the first 4 of the last 5 completed calendar quarters)
• You are able to work, available for work, and actively looking for a new job

Quitting voluntarily or being fired for cause typically disqualifies you, though some states allow claims for quitting due to domestic violence, a spouse's relocation, or unsafe working conditions.

How much will I get?

Benefit amounts are set by your state, typically 40–50% of your average weekly wage up to a state maximum. Maximums vary widely — from about $235/week (Mississippi) to $1,033/week (Massachusetts) in 2026. Benefits are taxable income at the federal level and in most states.

How long do benefits last?

Most states pay up to 26 weeks. Some states have reduced this to 12–20 weeks. During recessions, federal extended benefits may add additional weeks.

How to file

1. File your claim with your state's unemployment agency — not the federal government. Find your state's site at CareerOneStop.org.
2. File as soon as possible after losing your job — most states have a 1-week waiting period before benefits start, and late filing can delay payments further.
3. After filing, you typically must certify weekly (by phone or online) that you are still unemployed and actively job searching.