Claimant Handbook: A Guide To Unemployment Insurance Benefits

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CLAIMANTHANDBOOKA Guide to Unemployment Insurance BenefitsYour Rights & ResponsibilitiesTo file or access your claim: MontanaWorks.govFor up-to-date information: versión en español está disponible a petición. También en haga clic en “Acerca de UI.”Revised April 2021

Table of ContentsThis UI Handbook is divided into sections. Listed below are the section captions and potentialquestions answered in that section.3   Unemployment Insurance InformationWhat is Unemployment Insurance (UI)?4   UI Account ManagementPersonal Identification Number (PIN)Personal AgentChange of AddressDirect Deposit5   Finding a JobWhere is my local Job Service Montana office?Can Job Service help me find a job?6   What You Need to Know WhenFiling for BenefitsI have filed my claim. Now what?What are my responsibilities in order to get paid?7   Eligibility for BenefitsAm I eligible for benefits?What is a Waiting Week?What may prevent me from getting paid?8   Steps to Determine Your Eligibility,Amount, and Length of BenefitsWhat is a Base Period?What wages are used to determine my benefitamount?What will UI look at to know if I am eligible?How much will I get paid and for how long?What is a Monetary Determination?How do job separations affect my benefits?10   Payment InformationHow and when do I get paid?Are my benefits taxed?Can I stop and restart my benefits?How do I get my 1099-G form?12   Ongoing Eligibility & SpecialRequirementsAm I able, available, and looking for work?Do I need to look for work?What are my work search requirements?What do I need to report while searching for work?When is someone Job or Union Attached?What required programs may help me returnto work?16   Fraud & OverpaymentsWhat is considered fraud?What are the penalties for fraud?What is an Overpayment?Will my claim be audited?18   School Employment, Training orSchool AttendanceHow does school employment affect my claim?Can I go to school or attend training and getbenefits?19   Eligibility Determinations, AppealProcess, and RequalificationWhat if I disagree with the Determination,Redetermination, or Hearing Decision? How long do I have to appeal a Determination,Redetermination, or Hearing Decision?If I am disqualified from receiving benefits,which wages can be used to requalify?20   Working Part-Time and ReportingHours and EarningsCan I work and still get UI benefits?How do I report my earnings?22   Frequently Asked QuestionsAnswers to the most commonly askedquestions about UI24   Work Search RequirementsWhat are my work search requirements?25   Work Search Record26   Reporting Hours & EarningsHow do I report my hours and earnings?28   UI TermsExplanations of commonly used UI terms30   Legal RequirementsWho can see my information?What can I do if I feel there has beendiscrimination?31   How to Contact UIHow can I reach UI?14   Filing Payment RequestsWhat questions must I answer when I requestbenefits?2SeeInsurance,page 28 forexplanationsof UI terms.For information about Unemploymentgo Claims Processing (406) 444-2545

Unemployment Insurance InformationWhat is Unemployment Insurance (UI)?UI is a program to pay short-term benefits to eligibleworkers to help lessen the negative impact thatbeing out of work has on workers, their families andthe local the economy. UI requires week-to-weekeligibility; it is not public assistance, Social Security,or a disability payment program. Employer taxes payfor the UI program. No money is deducted from yourpaycheck to pay benefits or run the program.Help us to help you.We want to help you through your time ofunemployment. To make sure you are paid benefitsin a timely manner, you need to: Provide accurate information Respond to requests for information on time Meet all the requirements for qualifying forbenefitsYou are required to read and understand theinformation in this handbook.Save time, go online.File your claim, reactivate a claim, requestpayment, or check the status of your claim onlineat – it is safe, secure, andavailable 24/7/365.For security and privacy when contacting UI,use your UI ID number, not your Social Securitynumber. Your ID number is the number linked toyour UI records. You will find this number on theupper right side of most correspondence from UI.Fraud is a serious crime.Detecting and prosecuting UI fraud is a high priority to Montana's UI program. Claims areregularly audited to ensure benefits were properly paid according to state and federal law.See page 16 for what is considered fraud, how to report fraud, and how to avoid penaltiesand Claims Processing (406) 444-25453

UI Account ManagementPersonal Identification Number (PIN)Personal AgentYou must establish a 4-digit PIN to access your UI claiminformation at If your claim wasfiled over the telephone, you need to create an accountat and establish your PIN.If you want someone to assist you or act on your behalf,contact Claims Processing to request a personal agentauthorization. A customer service representative willexplain the rules and send you an agent designationform. Allowing another person to act on your behalf oraccess your claim without first completing the form couldresult in a denial of benefits and/or fraud penalties.You will be responsible for any actions taken by yourdesignated personal agent.Your PIN is your signature. You are the only one whohas the legal authority to use it. Do not share your PINwith anyone. If another person has knowledge of yourPIN, change it at or call ClaimsProcessing to have it reset. Sharing your PIN or havingsomeone else use it to file for benefits on your behalfcan be considered fraud.Security WordIf this is your very first UI claim, you will be askedto create a Security Word for your UI claim Do not share your Security Wordwith anyone. It is used to identify you when resettingyour PIN or calling Claims Processing.Change of AddressKeep your mailing address and phone number currentwith UI. Mail and phone are the primary ways we contactyou for information regarding your claim. If we cannotcontact you, your benefits may be stopped.Mail from UI is not forwarded by the Post Office evenwhen you have filed a change of address. Failureto update your address or respond to requests forinformation may cause benefits to be denied.You may receive mail or requests for information evenafter your claim has expired.Direct DepositIf you have previously filed claims in,use your answer to Mother’s Maiden Name whenasked for your Security Word. If you input somethingelse in, you will be locked outand have to call Claims Processing. If you would liketo change your answer to Mother’s Maiden Name oryour Security Word, call Claims Processing.Direct deposit is a quick, convenient, and secure way toreceive your benefit payment. Depending on your bank,your deposit is usually available two business days afterthe payment issue date.To sign up for direct deposit, log in to will need your bank account and routing numbers.Claims Processing cannot verify or enter this informationfor you. If you are receiving payments by direct deposit,it is still your responsibility to keep your address currentby updating it at or by calling ClaimsProcessing.When you stop requesting payments, you should log in and discontinue direct deposit.Montana’s unemployment insurance program has partnered with to verify your identity for unemploymentbenefits. is a free and secure method for claimants to identify themselves and validate personalinformation online. is used by federal agencies, private sector companies, and now a growing numberof state unemployment insurance agencies, to reduce the risk of fraud in providing online services. For moreinformation visit See page 28 for explanations of UI terms.

Finding a JobMake your job application work for you.Job Service MontanaPhone NumbersBillings(406) 652-3080Bozeman(406) 582-9200Butte(406) 494-0300Cut Bank(406) 873-2191Glendive(406) 377-3314Great Falls(406) 791-5800Havre(406) 265-5847Helena(406) 447-3200 Showing you resources and tools you can use whensubmitting applications for employment.Kalispell(406) 758-6200Lewistown(406) 538-8701 Exploring re-employment and re-training servicesthat may be available.Libby(406) 293-6282Miles City(406) 232-8340Additionally, if you need access to a computer, faxmachine, telephone, or copier for applications andresumes, a Job Service Montana office will help you.Missoula(406) 728-7060Polson(406) 883-7880Sidney(406) 433-1204Thompson Falls(406) 382-3045Wolf Point(406) 653-1720Job Service Montana offices are your full-service,no-fee employment resource.Staff in local Job Service Montana officescan assist you with your job search by: Discussing approaches to finding a new job andhelping you develop a work search plan. Reviewing your application materials and providingassistance with writing resumes and cover letters.All Job Service Montana locations and their phonenumbers are listed on the right. You can also check theState Government pages of your local phone book for contactinformation for the nearest Job Service Montana office.MontanaWorks.govIf you live outside of Montana, youmust register with the WorkforceAgency in your Claims Processing (406) 444-25455

What You Need to Know WhenFiling for BenefitsYour UI benefit eligibility is based on the laws and rules governing the UI program.Accurately report the reason you areunemployed when you file your claim.To determine your eligibility and process your claim,you must provide dates of employment and reasonsyou are no longer employed for ANY employment youhave had in the last 18 months, no matter how shortthe duration.You must create an account andcomplete the registration process inMontanaWorks to access yourUI claim.Once you are registered at, youhave fulfilled the Job Service registration requirement,if applicable, for UI eligibility.Reasons you are no longer working for an employercan be:If you do not have access to the internet, call ClaimsProcessing at (406) 444-2545 to discuss alternatives. Laid off means the job is not continuing becausethe employer has no more work available.If you live outside of Montana, you must register withthe Workforce Agency in your state. Discharged (Fired) means the job is continuing, butyour employer does not want you to do thejob anymore.Filing your claim is not the same asrequesting payment. Quit means the job is continuing, but eitheryou do not want, or are unable to keepdoing the job.Once your claim is filed, you must request paymentsto receive benefits. Requests can be made beginningSunday through Saturday for the preceding week (ortwo weeks). Still working means you are working less than thehours you typically work.Read this Claimant Handbook and anycorrespondence from UI very carefully.You are responsible for knowing and understandingyour rights and obligations as outlined in thishandbook. Knowing the requirements will help youmeet your obligations under the law, better understandrequests for information or notices you receive fromUI, and avoid Overpayments, penalties, and fraud. Ifafter reading this handbook you have any questions orconcerns, please contact Claims Processing.Once you file a claim, you will berequired to sign a Claimant Agreement.If you file online, you can sign the agreement as part ofthe claim filing process. If you receive the agreementby mail, you must sign and return it by the due datelisted. Benefits will not start until we receive yoursigned agreement.Report all hours you worked and anywages you earned when filing yourpayment requests. Incorrect reporting of hours and earnings may resultin an Overpayment or Underpayment. See pages20 and 21 for information on working part-time andpartial benefits. You can find a worksheet to helpyou calculate and record your hours and earningson page 27. If you are a corporate officer filing for benefits, youhave the same reporting requirements as any otheremployee. You must report any hours you work,even if you will not be paid for that work.If you have a pending Eligibility Issue,keep filing your payment requests whileyou wait.Once the outstanding Eligibility Issue is resolved andif you are found eligible for benefits, you will receiveback pay for any week(s) for which payment wasrequested (excluding the Waiting Week) and youmet the weekly eligibility criteria.F or up-to-date information about your eligibilityor payment status, log in to page 28 for explanations of UI terms.

Eligibility for BenefitsEligibility for benefits is based on:You may not receive benefits if you: Your wages over the past 12 to 18 months(see page 8 for base period wage examples) Left your job for personal reasons not related toyour work The reason you are no longer working Were suspended or discharged (fired) formisconduct Your physical and mental ability and availabilityfor work Your efforts to apply for work Verification of your citizenship or legal-to-workstatus if you are not a U.S. citizenYour current/most recent employer and all employersyou have worked for within the last six weeks offiling or reactivating your claim will be asked specificinformation about your separation. UI will investigatethe reasons surrounding your separation fromemployment. The time it takes to complete theinvestigation process varies and depends on thecircumstances of your separation. All parties are givenan opportunity to respond by a specified due date.Prompt responses may shorten the time betweenissue and decision.Waiting WeekThe first week you are eligible is called your WaitingWeek. You must file a payment request and meet alleligibility requirements, however you will not get paidfor this week. Your payments will start with the nextweek a payment request is made if you are eligible.There is only one Waiting Week per Benefit Year.You may receive benefits if you: Were laid off, or your hours were reduced, becauseyour employer did not have available work for you Left employment and can show it was for goodcause related to the job Are unemployed because you or your child werea victim of domestic violence, stalking or sexualassault Reported a work application or resume submissionthat could not be verified Are on a department-approved leave of absence Did not provide accurate information, respond torequests for information, or file a payment requeston time Are not available to work the hours or dayscustomary to your occupation Are not willing to accept the same wage youreceived from your last employer Are self-employed full-time Are currently receiving workers’ compensation foran on-the-job injury Are not willing or able to work 40 hours per week Fail to complete the registration process Are not working due to a strike or labor uniondispute (special laws govern these claims)Gross Misconduct – A criminal act, other thana violation of a motor vehicle traffic law, whichyou have been convicted of in a criminal courtor have admitted guilt. Also includes conductthat demonstrates a flagrant or wantondisregard of the rights, title or interest of afellow employee or the employer. The penaltyfor gross misconduct is disqualification fromUI benefits for 52 weeks. Were discharged from your job for reasons otherthan misconductFailing to report you quit, were fired,or were unable or unavailableto work is Claims Processing (406) 444-25457

Steps to Determine Your Eligibility,Amount, and Length of BenefitsWe use three factors to determine your eligibility for UI benefits: 1. your Base Period or Alternate BasePeriod wages; 2. the reason for your job separation; and 3. your (a) continuing ability to work, (b) availabilityfor work, and (c) applications for work. If we discover an Eligibility Issue, it will be posted at the issue is resolved, you will receive a Notice of Determination.1. Determining Your Base Period WagesThe Base Period is the 12 months of reported wages used to determine your Weekly Benefit Amount (WBA) and thenumber of weeks you may be paid benefits.The Base Period includes the first four of the last five completed calendar quarters before the week in which you fileyour application for benefits. A calendar quarter is a three-month period ending March 31, June 30, September 30, orDecember 31.If your claim is effective between the following dates:Your Base Period would be the preceding:January through MarchOctober 1 to September 30April through JuneJanuary 1 to December 31July through SeptemberApril 1 to March 31October through DecemberJuly 1 to June 30If you are not eligible on a regular Base Period, UI will use an Alternate Base Period (ABP) to determine youreligibility. Once a determination is made, we will send you a Monetary Determination notice. It will show for example:1. ID is the number used for individual identification on UIcorrespondence. It replaces your Social Security numberto help prevent identity theft.2. Claim Effective Date is the Sunday of the first week ofyour claim year.3. Type of Determination indicates whether this is yourinitial (first) determination or a revised determinationafter your wage records were correctedor updated.4. Eligibility Determination indicates whether or not youare monetarily eligible for benefits. If you are monetarilyeligible, you must still meet all other benefit eligibilityrequirements.5. Names of Employers you worked for and the quarterlygross wages they reported in the Base Period.6. Entitlement shows the monetary amount you are entitledto receive if you are otherwise found eligible for benefits.7. Claim End Date marks the end of your Benefit Year. YourMaximum Benefit Amount may be exhausted before thatdate.Page 2 of the Monetary Determination shows your AppealBy Date. This is the deadline for disputing the eligibilityinformation provided in the Monetary Determination.8See page 28 for explanations of UI terms.

Determining Your Base Period Wages (cont’d)Review your Monetary Determination notice for accuracy. AllBase Period wages should be listed. If you had wages fromany federal, military, or out-of-state employment, the notice willindicate “pending.” That means we are waiting for informationfrom another source and you will receive a revised MonetaryDetermination notice once the information is verified. If youbelieve any wages or employers are missing or wrong, contactClaims Processing. Inaccurate wages could result in a benefitOverpayment or Underpayment. You can also review yourMonetary Determination by logging in to if your Monetary Determination shows you qualifyfor a Weekly Benefit Amount (WBA), all other eligibilityrequirements must be met each week you request payment.If your Monetary Determination indicates you are ineligible dueto insufficient wages, you may ask for your wages be adjustedfrom “as paid” to “as earned.” For example, if you workedthe last week of December but will not be paid for that weekuntil the month of January, you can request the “as earned”adjustment. In that case the wages will be applied to the weekyou earned them. This adjustment will occur for wages acrossevery quarter in your Base Period, not just the last one. CallClaims Processing to discuss this option.2. Determining Reason for Job Separation Both you and your employer have the right to end yourworking relationship. The circumstances of your separationwill determine whether you are eligible for benefits. You must accurately report the reason for your separation.We will ask your employer to verify the reason for yourseparation. If your separation is due to suspension, leaveof absence, quit, or discharge, we will ask you and youremployer for details and then determine your eligibilityunder state and/or federal law.3. Able, Available, and Applying for Work You must be:-Physically and mentally able to work.-Available to accept work immediately if a job is offered.-Actively applying for work and meeting your work searchrequirements.-Keeping a complete record of your weekly workapplications. You will need them to request payment orif you are selected for an audit.-See page 24 for more information about work searchesand page 25 for an example of a work search record. If you live outside of Montana, you must register with theWorkforce Agency in your state.Foreign Residence or Foreign TravelIf you will be outside of the United States atany time while you are requesting payments,call Claims Processing as soon as you are able.Alien StatusOnly U.S. citizens, nationals, or legallyauthorized workers are eligible for UI benefits.If you are not a U.S. citizen or national, youmust provide a copy of the front and back ofyour registration card so your status can beverified by U.S. Citizenship and ImmigrationServices (USCIS).Double-DipYou cannot collect benefits on a new claim ifyou have not had a new job since the initialseparation from work on the prior year’s claim.You cannot file for two consecutive yearswithout a new Claims Processing (406) 444-25459

Payment InformationHow and when do I get paid?You request payment online at for each week you want to get paid. The UI week begins on Sundayand ends on Saturday at midnight. You can request weekly or biweekly (every two weeks) payments. Filing weekly reducesthe likelihood of mistakes when reporting your job search activities, or hours and earnings if you are still working parttime. When requesting benefits, it is important to answer questions accurately.Example 1 - If your first week runs the 1st through the 7th and you decide to file for benefits weekly:SundayMondayTuesdayWednesdayThursdayFriday1 (Start ofBenefit Week)234568 ( File onlinebetween 12:01amMST this day and.910111213Saturday7 ( End ofBenefit Week)14 .midnight MST ofthis day for the pastBenefit Week)Example 2 - If your first two weeks run the 1st through the 14th and you decide to file for benefits ySaturday1 ( Start of firstBenefit Week)234567 ( End of first BenefitWeek)8 (Start of secondBenefit Week)91011121314 ( End of secondBenefit Week)2021 . .midnight MSTof this day for thepast two BenefitWeeks)15 ( File onlinebetween 12:01amMST this dayand.16171819NOTE: A direct deposit payment is available to you at most banks within two days of the payment clear date shown It may take longer to receive payment when a check is issued and mailed.The first eligible week of a new claim is a Waiting Week. You must request payment for that weekeven though you will not be paid. Your claim will become inactive if more than 14 days pass betweenpayment requests. If that happens, you will have to reactivate your claim before benefits can resume.10See page 28 for explanations of UI terms.

You must respond to all requests forinformation from UI, even if your claim isinactive. Not responding could result ina benefit Overpayment and/or denial ordelay of future payments.Your UI benefit payments are taxableunder federal law.You can have 10% withheld from your payments for taxpurposes. This option is available at MontanaWorks.govor in the documents sent to you.Every January, UI mails IRS 1099-G forms that showbenefits paid in the prior calendar year. Make sure toupdate your address with UI. You can also view and printyour 1099-G at about taxes on UI payments should bedirected to the IRS.How do I stop my benefit payments?To stop benefit payments, just stop filing paymentrequests. Your claim will become inactive when twoweeks pass without a payment request; it can bereactivated at any time during the Benefit Year.Your claim becomes inactive and no further paymentsare processed if for two consecutive weeks: You work 40 hours per week You work at least your typical number of hoursper week You earned twice your Weekly Benefit Amount (WBA) Y ou answered “No” to the question, “Do you want tofile for this week?” Any combination of the aboveHow do I restart my benefit payments?Reactivate your claim during the week you want yourbenefit payments to resume.A UI week is Sundaythrough SaturdayYou can reactivate your claim at MontanaWorks.govor call Claims Processing. You will be asked to providedates and business names of any employers yourecently worked for. After your claim is reactivated, youcan start filing payment requests again. If you do notreactivate your claim during the week you want benefitsto resume, you will not be paid for that week.You should reactivate in the first week you are off workor your hours are Claims Processing (406) 444-254511

Ongoing Eligibility& Special RequirementsFor every week payments are requested,you must be:Tips to help you meet work searchrequirements:1. Able to Work – If you were physically or mentallyunable to work during a week you file for benefits,you must report this when you made your paymentrequest.Know what kind of work you are qualified for and whereto find it.2. Available for Work – If you are unavailable towork for any reason, you must report this whenrequesting payment. For example, you mightreport: You could not work because you didn't havechildcare or transportation. You took time off from work or did not work allyour normally scheduled hours for reasons, notbecause your employer reduced your hours.3. Applying for Work – At least one application orresume must be submitted to an employer who ishiring each week. You must apply for jobs you arequalified to perform and willing to accept. You willbe asked to provide your work search contacts foreach week payments are requested. (See page 24for details.) Applications or resumes need to be submittedduring the Benefit Week (Sunday-Saturday) forwhich you are requesting payment. Applications or resumes should be submittedto an individual who has hiring authority, usingthe mail, Internet, or fax, depending on how theemployer requested you apply. Application cannot be made to the sameemployer two weeks in a row, unless it is for adifferent position. You must report your application informationon your payment requests. If this information isnot entered or is incomplete, you will be deniedbenefits for that week. Make a list of potential employers and current jobopenings by checking with your local Job ServiceMontana office, help wanted ads, online job portals, etc. Apply for work in person, online, or by mail. Checkingonline job listings, Job Service Montana boards,help wanted ads, or calling a business to ask if theyare hiring is not a valid work search – you have toactually apply for a job each week. Apply only with employers who are hiring or arewilling to keep your application on file. Seeking self-employment does not meet your worksearch requirements. Applications may be verified with the employer.Keep copies of the applications, submissionconfirmations, or emails as proof of your worksearch.See page 24 for more details on the work searchrequirement and page 25 for an example of thetype of information you should record from your jobapplications.You may be excused from the weeklywork search.Unemployment Insurance notifies you work searchrequirements have been waived. Common reasons forwork search waiver are Job or Union Attachment anddepartment-approved training. Job Attached: This means you have an approximatedate of hire, or return to work, at 30 or more hoursper week. You must still be able and available forwork and report separations from any employment.Reporting that you applied for work when you did not,is fraud. Union Attached: This means you are a member ofa union with a hiring hall and you are on the out-ofwork list.Working part-time does not exempt you fromseeking full-time employment or additional part-timeemployment adding up to full-time (40 hours or moreper week).Job or Union Attachment may be verified with youremployer or union. If you accept an offer of employmentbut will not start right away, call Claims Processingimmediately.12See page 28 for explanations of UI terms.

Special RequirementsAll claimants who are not Job or Union Attachedand who are not attending department-approvedtraining may be scheduled to attend a requiredin-person appointment at a Job Service Montanaoffice.This appointment will introduce you to programsdesigned to help you return to work more quickly.Job Service Montana is the primary contact forthese programs. Depending on your situation, youmay be required to complete additional follow-upservices. Services may include: Orientation to the local Job Service; Labor Market Information for the local area andyour specific occupational goals;Five R’s to remember whenfiling for UI benefitsREVIEW the Monetary Determination notice.This form shows you how much you may receive each weekand the total amount in your claim. If there are wagesmissing or wages were incorrectly reported, contact ClaimsProcessing.REQUEST payment.After you have filed your claim you must request payment foreach week you wish to receive it. You can request paymentonline at each week: Assistance with overcoming any possiblebarriers to obtaining gainful employment. Any quit or discharge from employment.If you do not attend the scheduled appointment orreschedule promptly, you will be denied benefits. Work hours in the week you worked them. If you refused any offer of work or took time off work. Wages in the week they were earned, not the week paid.What if you are unemployed formore than 3 months?If you are unemployed for an extended periodof time, you may have to apply for jobs thatare not equal

HANDBOOK A Guide to Unemployment Insurance Benefits . Your Rights & Responsibilities. Revised April 2021. To file or access your claim: M. For up-to-date information: Una versión en español está disponible a petición. . and now a growing number of state unemployment insurance agencies, to reduce the risk .

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