Unemployment Resources Guide

Everything you need to know about filing for benefits, appealing denials, and getting financial support during unemployment.

Filing for Unemployment Benefits

For initial claims, use your state agency. For appeals, AppealKit helps you prepare a complete packet.

Eligibility Requirements

To qualify for unemployment benefits, you generally must:

  • Have lost your job through no fault of your own (layoff, reduction in force, company closure)
  • Have earned enough wages during a "base period" (typically the first 4 of the last 5 quarters)
  • Be actively seeking work and able to work
  • Be available for work each week you claim benefits

When to File

File within the first week of unemployment. Benefits are not retroactive in most states, so waiting can cost you money. Even if you have severance pay, file immediately — severance handling varies by state.

What You'll Need

  • Social Security number
  • Driver's license or state ID
  • Employment history for the past 18 months (employer names, addresses, dates, wages)
  • Banking information for direct deposit
  • Separation reason documentation (layoff letter, termination notice)

Understanding Your Benefits

How Benefits Are Calculated

Weekly benefit amounts are typically 40-60% of your prior wages, up to a maximum set by your state. Benefits are based on wages earned during your "base period" — usually the first four of the last five completed calendar quarters.

Weekly Maximums by State (2024-2025)

Mississippi$235/week
Florida$275/week
Texas$577/week
California$450/week
New York$504/week
Massachusetts$1,105/week

Duration of Benefits

Most states offer up to 26 weeks of regular unemployment benefits. Some states offer fewer (Florida: 12 weeks, North Carolina: 12-16 weeks). Extended benefits may be available during high unemployment periods.

If You're Denied Benefits

A denial is not final. You have the right to appeal within a specific timeframe (typically 10-30 days depending on your state). Common denial reasons include voluntary quit, misconduct allegations, or insufficient wage history.

Create Your Appeal with AppealKit

Want the overview first? See how AppealKit builds an unemployment appeal letter.

Immediate Actions After Job Loss

First Week Checklist

  • File for unemployment — Don't wait. Do this on day one.
  • Request COBRA information — You have 60 days to decide on health coverage.
  • Review your severance agreement — Understand what you're signing.
  • Update your resume — While details are fresh.
  • Apply for SNAP if needed — Food assistance can bridge the gap.
  • Call LIHEAP — If utility bills will be a challenge.

Health Insurance Options

  • COBRA — Continue employer coverage for 18 months (expensive, but continuous)
  • ACA Marketplace — Job loss qualifies you for a Special Enrollment Period
  • Medicaid — If income qualifies, apply immediately
  • Spouse's plan — Job loss is a qualifying event to join

Healthcare.gov →

Financial Assistance Programs

SNAP (Food Stamps)

Provides monthly funds for groceries. Income limits vary by state and household size. Expedited processing available for those with less than $150 in assets.

Check Eligibility →

LIHEAP (Utility Assistance)

Helps with heating and cooling bills. Some programs also assist with home weatherization to reduce future costs.

Apply for LIHEAP →

211 Helpline

Dial 211 or visit 211.org for local assistance with rent, food, utilities, healthcare, and other essential services.

Find Local Help →

Food Banks

Local food banks provide free groceries regardless of employment status. No proof of income usually required.

Find a Food Bank →

Rent Assistance

Many areas still have Emergency Rental Assistance programs. Your local 211 can connect you to programs in your area.

Prescription Assistance

Many pharmaceutical companies offer patient assistance programs. NeedyMeds and RxAssist help find free or discounted medications.

NeedyMeds →

Mental Health Support

Job loss is a major life stressor. It's normal to feel grief, anxiety, and uncertainty. Taking care of your mental health is just as important as updating your resume.

988 Suicide & Crisis Lifeline

Call or text 988 for free, confidential support 24/7.

Open Path Collective

Affordable therapy sessions ($30-$80) with licensed therapists.

openpathcollective.org →

Community Mental Health Centers

Sliding-scale fees based on income. Call 211 for locations near you.

State Unemployment Offices

AppealKit Supported States

If you've been denied in California, Illinois, Washington, or South Carolina, AppealKit can help you create a complete appeal packet.

Start Your Appeal

Other States

Find your state's unemployment office to file for benefits or check claim status:

Find Your State's Unemployment Office →

Denied unemployment? We can help.

Create a state-compliant appeal letter, fill required forms, and meet your deadline — all in under 30 minutes.

Start Your Free Appeal