FileUnemployment

Unemployment Benefits and Social Security

Updated : June 12th, 2019

A common question that haunts unemployed individuals, especially the retired ones is whether or not they can claim Unemployment Compensation along with Social Security Retirement benefits. As you may know, this program offers people with a weekly benefit amount to provide financial assistance while they don’t have a major or stable source of income.

All applicants for UI are required to satisfy certain criteria, out of which one is that the claimant should have zero or negligible income. This is the reason why most people wonder whether receiving social security retirement benefits will raise your income to the earnings ceiling as stated by the rules of UI.

Can UC be collected along with social security retirement benefits and vice versa?

Unemployment Benefits And Social Security

The answer is – Yes, in most cases. There are two reasons behind this. If your question is whether social security benefits will be hindered by receiving UC, then you can be rest assured. Receiving UC will never affect your social security retirement benefits because social security does not consider UC as earnings. This means that won’t be pushed closer to the ceiling placed as cut off for people between ages 62 – 66.

If your worry is about UC being affected because you receive social security retirement benefits, then here’s what you need to know. Typically, most states in the US will not reduce UI benefits because you are claiming social security retirement benefits. However, as UI is given out by the state government, it varies from state to state. Following are the list of states that take social security benefits into consideration and reduce the benefit amount while providing UC –

  • Illinois
  • Louisiana
  • Minnesota
  • South Dakota

Will Illinois, Louisiana, Minnesota and South Dakota change UC rules in the near future?

Yes, there is hope. Even now in Minnesota, the rules don’t apply always. Which means that the state does not reduce UI benefit amounts in all cases where a claimant is receiving social security retirement benefits. Since the last few years, American Association of Retired Persons (A.A.R.P) and National Employment Law Project (N.E.L.P) have been working together to persuade the states to remove laws that limit UC benefits for individuals receiving social security.

Whom should I approach if I have any questions?

Irrespective of which state you are from, if you have any queries regarding anything with unemployment compensation, your state’s Unemployment Insurance Agency is where you need to go. Authorities present there will guide you through the process of filing for UI and will gladly clear your questions. You can also interact with them by phone on the dedicated customer service or you can connect with them online.

Keep in mind that not declaring your income sources while filing for UI or not reporting any income you receive during subsequent weeks during which you receive benefits, may result in severe consequences.

Things to keep in mind

Unemployment insurance is a social welfare program conducted jointly by the state and federal governments. The idea to provide temporary financial assistance to those who really need it. While there is no conflict in collecting both UC and Social Security, it is vital that you continue to fulfill the eligibility criteria laid down by the UC rules. And one of those rules is that you actively seek new job opportunities. If you are indisposed to work further, you may not be able to claim UI. Speak with your agency. They will guide and advise you on all matters related to UC.

The bottom line

As long as both agencies are notified about the income received from each other, there is no conflict in collecting UI and social security together. It is a sad truth that during difficult economic times, often millions of senior citizens are left unemployed and often social security benefits are not sufficient to cover the basic needs.

Remember, you can collect UC only if you satisfy all the rules, including base period wages. You can read more about UC eligibility criteria to know more. Alternately, you can also make use of the eligibility checker tool, to get an idea of whether or not you will qualify for UC. The UC filing process is quite easy and can be done online.

People who fall into this category often feel that they are too young to be retired and sitting at home yet too old to be hired. While this is not always true, tedious working hours may no longer agree with you. Hence, it’s an ideal time to start a small business of your own, something that gives you joy. You could also use this time to connect with loved ones who were ignored by you in your better (read hectic) days. Stay positive and confident. You can also visit our discussion forum for some healthy interaction with folks from your region.

    1. Jose,

      We’re not a scam or a fraud website:) fileunemployment.org has been around for more than 10 years and we’re one of the leading forums for unemployment insurance and unemployment in general. Our daily visitor and patron base is of considerable size and we truly believe in being a center for jobless workers to access resources and share their queries.

  1. I’m attemptiing to file my first weekly claim since my layoff, however, my PIN# is not correct. what do I do to get my correct PIN# , please?

  2. I have exhausted my unemployment benefits in Texas but my calendar year does not end until September. Do I have to wait until the calendar year is over in Texas, to apply for unemployment benefits in New York in which I have available quarters?

    1. Mattie,

      As much as I am aware, UI benefits are only a one-time cycle. Please call the Claims Center for clarification.

  3. Help ran out of unemployment benefits for the pass 8 years i have worked at Hexion speciality chemical plant in Brady Texas how can i get my benefits extended

    1. Roderick,

      The E.U.C(Emergency Unemployment Compensation) remains expired. There is no extension available. Please inquire further with the labor authorities in your state by calling them.

    1. Annette,

      You can visit the official website of the Unemployment Office and ‘login’ to check the claim status. Alternatively, you can also call the Claims Center.

      PS: It should not take 6 weeks to process the initial claim. Please chase at regular intervals.

    1. Jocelyn,

      Unemployment is offered to claimants who’re able and available for work. Please call the Unemployment Office to ascertain if you can apply.

  4. I have been working for the same company for the past 11 years. I started out cleaning apartments, then landscaping and finally Asst. Manager for the past seven years. However, the owner/ manager had us all sign papers claiming we were “Independent Contractors.” I worked Monday thru Friday from 8am – 5pm the entire 11 years. Obviously, in reality, we had Never been “Independent Contractors.”
    Finally, October 2018 we became employee’s. On May 10, 2019 he sold the business which puts us all out of work. I tried filing for unemployment, but, I don’t have enough quarters in. Assuming I’m still out of work, can I wait for the next quarter to end, thus giving me the 2 quarters I need or will it not make a difference.

    1. Lea,

      Why don’t you look at alternate based period? Please use the link below to access the Base Period calculator.

  5. I have been working as an hourly employee for the last 4 months. Currently the board of the nonprofit agency came to me and told me that I had to file a 1099 or go to part time or find a new job. I have a scheduled time that I report to work. What are the laws here in Florida about who can receive a 1099

  6. I am unemployed and currently going to a community college. How can I apply for federal assistance?

    1. Carol,

      If you’re able and available for full-time employment, you can directly go to the website of the Unemployment Office and apply.

  7. I have worked in AZ since March 2016. However, I moved lived and worked for my employer in CA since 08/02/1982. Can I apply for Cali unemployment benefits?

    1. Robert,

      You should be applying from the state where your employment was based. Employers generally remit unemployment taxes to the state where the employee is based.

      1. How long does it take Washington state unemployment to deposit your back pay after they receive the determination letter from OAH stating I won my appeal?

  8. I have been trying for over a month to file and I still do not seem to be able to do it, but I finally got to the correct place, I think.

  9. Cumberland NJ Unemployment Center kept me on hold for 2 hours; I finally had someone answer my call, after providing my information and question regarding the status of my NJ Unemployment Claim the representative disconnected my call.

  10. Excellent list of things to help execute better. Even taking 3 or 4 of these that one does not currently utilize could help immensely.

    1. How did you calculate the total weekly Illinois benefit of $1495? Also, why isn’t Washington and Minnesota listed in your top 5 states with the highest paid unemployment insurance compensation?

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