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You may be unemployed now or have been in the past.  Either way, you know how difficult unemployment is and you’re searching for ways to get back on your feet. That’s why we created this guide to unemployment to help you through these tough times.

What is Unemployment?

Unemployment benefits are payments made to workers who have lost their jobs due to no fault of their own. The unemployment benefits program is administered by state agencies, and each state has its own rules and regulations. In order to be eligible for unemployment benefits, you must meet certain requirements, such as having been employed for a certain length of time and being available to work.

Requirements for Unemployment

The requirements for unemployment benefits vary from state to state, but generally, you must have been employed for a certain length of time and be available to work. You may also be required to look for work and attend job training programs. Most states allow you to work a certain number of hours (Link to how many hours can you work on unemployment article) each week while collecting unemployment benefits. Another factor that is important to remember is that you have to have been let go from your job based on no fault of your own (link to can you collect unemployment if you get fired article). This can include being let go because of job performance, (Link to can I get unemployment if I get fired for performance article) which will generally not disqualify someone from receiving these benefits.

How to File for Unemployment

If you are unemployed, you may be able to collect unemployment benefits. In order to be eligible for unemployment benefits, you must meet certain requirements, such as having been employed for a certain length of time and being available to work. You can file for unemployment by completing an unemployment application.

We recommend that you first reach out to your state unemployment agency for more information about what unemployment benefits may be available to you. You can find a list of state unemployment agencies here.

Can you collect unemployment if you quit?

If you voluntarily quit your job, you may not be able to collect unemployment benefits. However, if you were forced to quit your job due to intolerable working conditions, you may be able to collect unemployment benefits.

Unemployment Rates

After unemployment rates spiked to 14.7% in April of 2020 due to the COVID-19 pandemic, they have steadily dropped to a rate of 3.8% as of February of 2022. This represents 6.3 million people who are unemployed with 2 million of those making unemployment insurance claims.

What to Do While You’re Unemployed

Unemployment can be a difficult time for many people. You may be wondering what you can do to make the most of your time while you are unemployed. Here are some tips to help you get through this tough period.

Stay Positive

It can be easy to get down on yourself when you are unemployed, but it is important to stay positive. Unemployment is not forever and you will eventually find a job. Staying positive will not only help maintain your emotional health, but it will also help you stay focused on finding a job.

Keep Busy

One of the best things you can do when you are unemployed is to keep busy. This will help prevent you from feeling bored and stressed. The abundance of free time can be a major temptation to sit around and do nothing, but this is not good for your mental health.


Unemployment is a great time to network. You never know who you might meet that can help you find a job or help you out in the future. Networking can also be a great way to fill the void of interaction that you previously had in the workplace.

Take Classes

Unemployment is a perfect time to take some classes or learn a new skill. This will make you more marketable when you eventually do find a job and it can also help you keep busy.

Get Involved in Your Community

Unemployment is also a great time to get involved in your community. This can help you meet new people and make new friends and can turn the negative of losing your job into a positive that helps your local community.

Stay Healthy

Unemployment can be stressful, so it is important to try to stay healthy. Make sure you eat well and get enough exercise. It’s important that you find ways to utilize your time in a positive way, and staying healthy is one of the best ways to do that.

Unemployment Fraud

Unemployment fraud is when someone collects unemployment benefits they are not entitled to. This can include collecting benefits while working, collecting benefits after quitting your job, or collecting benefits when you are not actually unemployed. Unemployment fraud can be very costly to the government and can result in jail time (Link to can you go to jail for collecting unemployment while working).

Consequences of Unemployment

Unemployment can be a difficult time for many people. Not only is unemployment a financial burden, but it can also be a  psychological burden. It can cause stress, anxiety, and depression. Additionally, unemployment can also lead to relationship problems and health problems. If your job search extends too long, prospective employers might ask questions about why you have had such a long unemployment gap.

How to Find a Job While Unemployed

If you are unemployed, finding a job can seem like an impossible task. But it is not impossible. There are things you can do to increase your chances of finding a job. Here are some tips on how to find a job during unemployment.

Connect with Your Network

Your network is one of your best resources when looking for a job. Talk to your friends, family, and former colleagues to see if they know of any current or future openings. You may also want to join a professional networking group in your area.

Use the Internet

The internet is a great resource for finding jobs. There are many websites that list job openings. You can also use social media sites to find job postings.

Work with Employment Agencies

Employment agencies can help you find a job. They have connections with many employers and can help you find the right fit for you. Typically you will work with a recruiter to talk about what roles you would like and then they can search for job fits based on your skillset.

Attend Job Fairs

Job fairs are a great way to meet employers and learn about job openings. Attend as many job fairs as you can and be sure to bring plenty of resumes.

Common Questions About Unemployment:

How much can I make and still get unemployment?

In most cases, unemployment benefits are based on how much you made while you were working. You can usually make a certain amount of money each week and still receive unemployment benefits. However, the amount you can make and still receive unemployment benefits varies from state to state. You should check with your state unemployment office to find out how much you can make and still receive unemployment benefits.

Can I apply for unemployment if my hours are reduced?

If your hours are reduced, you may be able to apply for unemployment benefits. In most cases, you must have worked a certain number of hours in order to qualify for unemployment benefits. However, the number of hours you need to work varies from state to state. You should check with your state unemployment office to find out how many hours you need to work in order to qualify for unemployment benefits.

How is unemployment calculated?

Unemployment benefits are calculated based on a percentage of the person’s average weekly wage. The unemployment benefits will be paid for a specific period of time and is based on the unemployment rate in the state. The unemployment rate is calculated by dividing the number of unemployed individuals by the total number of people who are either employed or unemployed.

What are the reasons you can quit a job and still get unemployment?

A person may also qualify for unemployment benefits after quitting their job if the employer has violated workplace laws or breached an employment contract and is unable to provide reasonable job accommodations. Another reason is if the position is eliminated and the employer does not offer a suitable job to replace the eliminated position.

How Can CreditAssociates Help?

If you’ve amassed debt due to unemployment, CreditAssociates can work with you to provide a customized plan that helps you get rid of your debt without having to pay the full amount. We have certified debt consultants who can help you get back on the path towards financial freedom. Contact us today to get started or call us at 1-800-983-6693.