What is unemployment insurance?

Each state administers its own program but follows the same guidelines established by federal law, according to the U.S. Department of Labor.

• Are unemployed through no fault of your own.
• Meet your state’s requirements, including wages earned or time worked.

How have unemployment benefits expanded during the pandemic?

The CARES Act expands states’ ability to provide unemployment insurance for many workers impacted by the COVID-19 pandemic. This includes many workers who aren’t usually eligible for these benefits.

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Here’s a look at how some of the expanded benefits might help you if you’ve lost your job due to the pandemic:

• Pandemic Unemployment Assistance: This provides up to 39 weeks of benefits for you if you’re self-employed, seeking part-time employment or otherwise wouldn’t qualify for regular unemployment benefits under state or federal law. The program runs until .
• Federal Pandemic Unemployment Compensation: This provides an additional $600 per week if you’re collecting regular unemployment compensation. It becomes available after your state enters into an agreement with the department and ends by . Eligible Iowans began receiving the additional funds April 16.
• Pandemic Emergency Unemployment Compensation: This program provides up to 13 weeks of benefits after your state enters into an agreement with the department and ends by might cover you if you:
• Have exhausted all rights to regular unemployment benefits under state or federal law.
• Have no rights to regular benefits under any other state or federal law.
• Are able to work, available for work and are actively seeking work.

How do I apply for unemployment insurance?

You may choose to have your unemployment benefit payment deposited directly into your checking or savings account. To have your money deposited into a Dupaco account, here’s what you’ll need to provide:

• Routing number: Dupaco’s routing number is 273974581.

You can use Dupaco’s Shine Online and Mobile Banking to find out whether your unemployment payment will hit your Dupaco account soon.

From the menu in Shine, select Direct Deposits and then click on the Future tab to see whether you have a future pending unemployment deposit. It will also notify you when the payment will post.

You can also use Shine to be alerted when your payments becomes available. From the menu, select eNotifiers. Under Activity Alerts, enable All Transactions to receive email or text messages for all transactions to your account, including your unemployment deposits.

How do I get my money off of my unemployment card?

If you selected a debit card as your payment method for benefits in Iowa, you’ll be mailed a card that’s serviced by Bank of America, according to Iowa Workforce Development.

If you’re calling Dupaco or using Shine to access the money, it won’t be available immediately. If you make your transaction before 4 p.m. Monday-Friday, your funds will be available the same day after 4:30 p.m. Otherwise, your funds will be available the next business day after 4:30 p.m.

This way, your benefit payments go directly into your checking or savings account. Here’s the information you’ll need to provide on your unemployment application.

What other programs can help me while I’m unemployed?

If so, you might be able to have the principal, interest and Payment Protection fee portions of your loan payment (up to the agreement maximum) canceled as a result of involuntary unemployment.

You can file your claim online here or by calling CUNA Mutual Group at 844-707-4964. You’ll need your unemployment letter to show approval for unemployment benefits and proof of receiving these benefits.

My old budget no longer works. What should I do?

Do you have money in savings you can pull from if needed? How can you adjust your spending and overall budget while looking for a new job?