How do I file for unemployment?

Concerns & risks

You were trying to stay calm after being laid off, but now you need to figure out how unemployment works and fast.

Bills don't wait.

Causes & evidence

Unemployment insurance is run by each state. See unemployment insurance.

What to do

1. Apply with your state's unemployment office right away.
2. Have your employment history and ID ready.
3. File weekly or biweekly claims as required.

Common mistakes: Common mistakes: waiting weeks to apply. Apply as soon as possible, since benefits usually start from when you file, not when you lost your job. Gather information beforehand: your Social Security number, recent employers' names and addresses, dates of employment, and the reason you left. Use your state's official unemployment website; watch out for lookalike sites that charge fees. Answer every question honestly, since mistakes can lead to overpayments you must repay. Most states require you to file weekly or biweekly claims after you're approved. Keep notes of your confirmation numbers. If you're denied, you can usually appeal, but deadlines are short.

Speed Man tip: Use CareerOneStop to find your state's office.

Wrap-up: Apply ASAP. State runs it. Keep certifying.