The department is excited to provide claimants with the ability to have their unemployment insurance benefit payments transferred directly into their personal bank account through the fast, safe, and convenient direct deposit program. Claimants are strongly encouraged to enroll in direct deposit if they have a checking or savings account and their financial institution is able to receive direct deposits. Transition Timeline Please pay close attention to the following timeline: May 24, Beginning Monday, May 24, , all unemployment insurance benefit payments will be made by either direct deposit or paper check to eligible claimants who have made their selection in BEACON.
Replacement cards will not be issued after this date. If claimants have a balance on their debit cards after that date, they can contact the Bank of America Service Center at to access those funds in a different way. This includes gig workers, independent contractors, the self-employed, and those with insufficient work history. Per new USDOL guidelines, eligibility for PUA has been expanded to include: Individuals who were denied unemployment benefits because they refused to return to work or refused an offer of work at a worksite that, in either rinstance, is not in compliance with local, state, or national health and safety standards directly related to COVID; Individuals who provide services to an educational institution or educational service agency and are unemployed or partially unemployed because of volatility in the work schedule that is directly caused by the COVID public health emergency this includes, but is not limited to, changes in schedules and partial closures ; and Individuals experiencing a reduction of hours or a temporary or permanent layoff as a direct result of the Covid public health emergency.
Claimants are required to provide proof of their employment in order to be eligible for PUA. Learn more about the proof of employment requirement. Provides benefits to claimants after they have exhausted their Regular UI benefits. Regular UI benefits must have been exhausted on or after July 1, Claimants must provide documentation substantiating their self-employment income.
Claimants will receive payment backdated to their earliest date of eligibility. All potentially eligible claimants will be notified. Chat with a Live Agent Claimants can conveniently chat online with a live agent to receive help with their unemployment insurance inquiries.
Fraudulent Unemployment Insurance Activity Report Fraud With the record number of unemployment insurance claims filed during the COVID pandemic, Maryland, and states across the entire country, have seen an increase in activity by bad actors and fraudsters using illegally obtained data to file fraudulent unemployment insurance claims.
Avoid Scams We have been alerted to a number of potential scam operations that are attempting to prey on unemployment insurance claimants. To help you distinguish between legitimate assistance from Maryland Division of Unemployment Insurance DUI staff and fraudulent assistance from a potential scammer, please remember the following: DUI will never request or require payment for assistance with unemployment insurance, especially not through apps like Venmo or Cashapp.
DUI staff will not provide assistance to claimants through direct message on social media platforms like Facebook, Twitter, or LinkedIn. DUI does not provide assistance through text message and will not send any links asking a claimant to verify their account through text. All e-mails from legitimate DUI staff will come from a maryland. Do not provide any sensitive information related to your Maryland unemployment insurance claim by e-mail unless it is to a maryland.
The Comptroller will mail eligible claimants a paper check. If you do not receive a check from the Comptroller, you were not on the list of eligible claimants sent as of March 3.
Claimants are only entitled to receive one grant per person. This grant is in no way a determination of eligibility for benefits.
The week ending date is the end of the benefit week for which a qualifying claimant should file a weekly claim certification to request benefit payments. In Maryland, the benefit week always begins on a Sunday and ends on a Saturday. The number of weeks of benefits you receive varies according to the UI program through which you are collecting benefits and is dependent on your continued eligibility for benefits.
You must report all of the money you earn each week on your weekly claim certification. You will need to report your gross wages. However, if you earn any income from self-employment, consulting, gig work, or working as an independent contractor, you must report your net income. If you earn money in a week that you receive benefits, the amount that you earn will be deducted from your benefit payment. Claimants who are self-employed, independent contractors, gig economy workers, or who do not have sufficient work history are not normally eligible for Regular UI, but may qualify for PUA.
To qualify for PUA, claimants must provide proof of their employment, self-employment, planned commencement of employment, or planned commencement of self-employment. Individuals who filed an initial claim before January 31, , must upload this documentation within 90 days of receiving the action item, and individuals who filed an initial claim after January 31, , must upload this documentation within 21 days.
In an effort to prevent fraud, PUA claimants may be required to provide additional identity verification documentation. Qualifying claimants will receive FPUC automatically and do not need to file an additional application. If you are eligible, you will receive FPUC automatically. You do not need to apply for the FPUC program.
You will receive your FPUC payments at the same time that you receive your other unemployment compensation payments. PEUC provides a maximum of 53 additional weeks of benefits for claimants, which includes any previous weeks of PEUC benefits a claimant received. For claimants who applied for Regular UI benefits prior to the week ending January 2, , the most recent tax year refers to Calendar Year For claimants who applied for Regular UI after the week ending January 2, , the most recent tax year refers to Calendar Year Claimants will receive payment backdated to their earliest date of eligibility.
All potentially eligible claimants will be notified. The additional benefits are available from the weeks ending March 20, , to September 4, , in Maryland. When you file your initial claim application, you will be able to select the reason that you cannot work. Are my unemployment insurance benefits taxable? The Maryland Relief Act waives local and state income taxes on UI benefits for the and tax years. Under the Maryland Relief Act, this waiver is available to taxpayers with the following filing status: single; married; married filing separately; and dependent.
Are gig workers, freelancers, and independent contractors covered in the bill? PUA is a special program which provides benefits to those who are not traditionally eligible for unemployment insurance, including gig workers Uber, Lyft, Airbnb hosts, etc. I am self-employed, but my business is no longer providing me with any income. Am I eligible for benefits? If so, when should I apply? Part-time workers who are unemployed are eligible for benefits.
Your recent wages are taken into consideration when calculating the amount of benefits you will receive. I have been working part-time and my employer recently reduced my hours.
Am I eligible to file for benefits? Yes, you are eligible for partial benefits if your hours were reduced as a result of a specified COVID related reason, and your reported earnings are not greater than your Weekly Benefit Amount. If you received a diagnosis, are experiencing symptoms, or are seeking a diagnosis for COVID — and you are unemployed, partly unemployed or cannot work as a result — you may be eligible to receive unemployment insurance benefits.
If you need to care for a member of your family or household who has received a COVID diagnosis, you may also be eligible to receive unemployment insurance benefits. If you rely on a school, day care, or another facility to care for a child so that you can work — and that facility is shut down because of coronavirus — you may be eligible to receive unemployment insurance benefits.
What if I am advised by a healthcare provider to quarantine because of exposure to coronavirus? What about government orders to stay at home? If you must self-quarantine due to possible exposure to the coronavirus, you may be eligible to receive unemployment insurance benefits under ARPA.
In the event of a government stay-at-home order, you may be eligible to receive unemployment insurance benefits if you cannot reach your place of employment and if you are not given the option to telework.
I was about to start a new job and now cannot get there because of an outbreak. You may also be eligible if you do not have sufficient work history to qualify for benefits under traditional circumstances. I became unemployed a few weeks ago and I am now filing for unemployment benefits. Will I be able to get benefits for those weeks I did not file?
Claimants can backdate their claim for Regular Unemployment Insurance benefits to the first affected week of unemployment. Claimants who filed for PUA before December 27, , can backdate their claims to the first affected week of unemployment back to the PUA program start date of February 2, To backdate your claim greater than one week, you must contact a claims agent for assistance at I had to quit my job because I, or someone in my household, was directly impacted by the coronavirus.
Am I eligible to apply for benefits? My employer shut down my workplace because of coronavirus. If you are unemployed, partly unemployed, or unable to work because your employer closed down due to COVID, you may be eligible to receive unemployment insurance benefits under ARPA. Is anyone explicitly excluded from receiving assistance under the law? Workers who are able to perform their job through paid telework, and those receiving paid sick leave or other paid leave benefits for their customary work week, are not eligible.
Additionally, individuals who are not separated from employment due to a COVID related reason are ineligible for PUA, but may be eligible for benefits under a different unemployment insurance benefit program.
How long will my benefit payments last? It will vary according to the UI program through which you are collecting benefits and is dependent on your continued eligibility for benefits. Maryland provides up to 26 weeks of Regular UI benefits.
I did not earn enough to qualify for Regular unemployment insurance benefits. An individual who lacks sufficient work history is someone who has not worked for a long enough period of time or for a consistent duration, and who did not earn enough wages to be eligible for Regular UI. I am already receiving Regular UI benefits.
Even if you are already receiving Regular UI benefits for reasons unrelated to the coronavirus, you may be eligible to apply for PEUC to receive up to an additional 53 weeks of benefits. I recently exhausted my regular unemployment insurance UI benefits. How can I get an extension?
If you meet the eligibility requirements, you can receive up to 53 additional weeks of UI benefits. Will receiving benefits disqualify me from any other programs? Why am I being asked to provide proof of self-employment or planned commencement of employment or self-employment for PUA?? The U. Department of Labor requires any individual who files an initial application for PUA, or who continues to file for PUA benefits, after December 27, , to provide documentation to substantiate their employment, self-employment, planned commencement of employment or planned commencement of self-employment.
For acceptable documentation to substantiate proof of employment or self-employment or the planned commencement of employment or self-employment , see Proof of Employment Documentation Requirement for PUA Claimants. Please note that even if you provided this same documentation in response to the original proof of income action item, you must reupload the documentation to your BEACON portal to both satisfy the proof of employment action item and the federal program requirements.
The Division will review your application. If additional information or documentation is necessary, the Division will request it from you.
You will receive notice of the request through your preferred method of contact e-mail, text message, or postal mail. Once the Division adjudicates your claim, you will be notified of the decision through your preferred method and your portal.
When will I receive benefits? Maryland does not have a waiting week, unlike many other states, so you are eligible to file the day after you are separated from employment. Due to extraordinarily high claim volume as a result of the impact of COVID, the Division of Unemployment Insurance cannot provide a definite timeline on benefit delivery. However, many claimants have received their benefits in less than 21 days. Your patience is greatly appreciated during this pandemic.
No, your benefit program is determined by your job classification and type of income. What documentation is sufficient as proof of self-employment income for MEUC?
All claimants who are potentially eligible will be messaged directly with instructions on how to apply for this benefit. If my employer temporarily ceases operations due to COVID, preventing me from coming to work, am I eligible for benefits?
If I am quarantined due to COVID with the expectation of returning to work after the quarantine is over, am I eligible for benefits? The first and best option for employees who need to miss work due to illness is to use their employer paid time off. The Maryland Healthy Working Families Act requires employers with 15 or more employees to provide paid sick and safe leave for certain employees.
Maryland employers who employ 14 or fewer employees are required to provide unpaid sick and safe leave for certain employees. Unemployment involves a reduction of both work hours and earnings. If you are currently instructed to quarantine by a medical professional, and your employer has instructed you not to return to work until the quarantine is ended and has not provided the option to telework, DUI recommends that you file a claim for unemployment insurance.
After you file a claim, DUI will determine whether you qualify to receive unemployment insurance benefits. To file a claim for benefits 24 hours a day, 7 days a week, visit BEACON , or by phone at during business hours. If you are not exhibiting any symptoms of COVID and you decide to leave your employment, the DUI recommends that you file a claim for unemployment insurance. If I need to take time off work because I am sick, but I have not been instructed to quarantine by a medical professional, will I be eligible for unemployment insurance benefits?
If you are not eligible for employer paid time off or your paid time off has been exhausted, DUI recommends that you file a claim for unemployment insurance. You may be determined to be eligible for benefits if you have taken time off of work and expect to return to work for the same employer in the future. If an employer lays off employees due to the loss of production caused by COVID, will the employees be eligible for unemployment insurance benefits? Maryland unemployment benefits are available to individuals who are unemployed through no fault of their own.
If an employer lays off employees due to a loss of production as a direct result of COVID, individuals may be eligible for unemployment benefits if they meet certain criteria. It is recommended that you file a claim for unemployment insurance. If your employer has reduced your normal work hours as a result of COVID, you may be eligible for partial benefits.
If your employer goes out of business as a result of COVID, the Division of Unemployment Insurance recommends that you file a claim for unemployment insurance, as you are considered to be unemployed through no fault of your own. Can I still collect unemployment benefits if I am able to work remotely from home? If you continue to work remotely for the same number of hours you normally work, you are not considered to be unemployed.
However, if you are working reduced hours while working remotely, it is recommended that you file a claim for unemployment insurance. I get tips from customers on top of my regular hourly wage. Will my tips be used to determine how much I will receive in benefits? Employers regularly report quarterly the wages of their employees to DUI. These wages, including reported tips, are used to help calculate your Weekly Benefit Amount. If a tipped employee files a claim and receives a determination about a Weekly Benefit Amount that the employee disagrees with, the employee can request a review of the determination within 30 days.
Along with the request for a review, the claimant can provide evidence of other wages that they have received, including unreported tips. Your eligibility for benefits in a week is based on your earnings, not the hours that you work. Can I backdate my claim for benefits to the date that I stopped working?
Yes, claims may be backdated to the first affected week of unemployment. Claims that are filed after December 27, , may be backdated to as early as the week ending December 12, If you need to backdate a claim by greater than one week, then you will need to call a claims agent for assistance at What does it mean to be disqualified or penalized? What can cause a disqualification?
Being disqualified penalized means that a determination was made to deny benefit payments and was placed on your claim. A denial of benefits is when a claimant fails to meet a UI requirement s in accordance with the Maryland Unemployment Insurance law.
When a claimant is denied benefits, payments are stopped until the requirements are met or the penalty is satisfied. What do I do if I receive a Notice of Benefit Determination denying my unemployment insurance benefits and I wish to appeal the denial? The appeal must be filed in writing and mailed to the address or faxed to the number provided on the determination form. Your signature must be included on the request for appeal.
Appeal request can be mailed, emailed, faxed, or hand delivered. Appeals Division N. NOTE: If a Notice of Benefit Determination involves an employer you worked for, that employer also has the right to appeal the decision.. If your employer does file an appeal it is very important for you to be available for that appeal hearing since any decision made on your claim could be reversed and result in you receiving benefits.
If either you or your employer files an appeal and you are still unemployed , you must continue to file your weekly claim certifications.
You will not be eligible to receive benefits for any week s that was not filed, even if the appeal decision is in your favor. Why did the Division transition to a new UI benefit payment method, direct deposit?
The Maryland Division of Unemployment Insurance the Division is committed to providing a safe and efficient benefit payment experience for claimants and ensuring the integrity of the unemployment insurance program. Direct deposit is an electronic transfer of funds directly into a recipient's bank account that is both safe and convenient.
Claimants are strongly encouraged to enroll in direct deposit if they have a checking or savings account and their financial institution is able to receive direct deposits. What are the advantages of receiving benefit payments through direct deposit? Direct deposit is a more convenient and safer method than payment by debit card or check, as it eliminates the possibility of theft or loss of the debit card or check.
Following enrollment in direct deposit, UI benefit payments are conveniently and electronically deposited directly into your bank account. The direct deposit payment is completely free subject to the rules of your bank or financial institution. You can track your UI benefit payments through your bank account, as opposed to logging into a third-party website. To learn more general information about bank and credit union accounts, read the FAQs from the Office of the Commissioner of Financial Regulation.
How can I select direct deposit or paper check as my payment method? If you are a new claimant, you will be required to choose your preferred payment method direct deposit or paper check when you file an initial claim. If you select paper check, you will be asked to confirm your mailing address. You must do so even if your mailing address has not changed. NOTE: There is no automatic default payment option. All claimants are required to select a payment method direct deposit or paper check to prevent a delay in benefit payments.
Please note: For the safety of your personal information, Division staff are unable to update or enter your bank account information. When did the Division stop issuing unemployment benefit payments through debit cards? Friday, May 21, , was the last day that the Division issued new debit cards or loaded benefit payments onto the debit cards. Beginning on Monday, May 24, , all unemployment insurance benefit payments are made by either direct deposit or check -- even for backdated weeks.
Direct deposit enrollments began on Friday, April 30, Existing claimants were asked to select a new payment method between Friday, April 30, , and Friday, May 21, , to prevent a delay in benefit payments.
If you are a new claimant, you will be required to choose your preferred payment method when you file your initial claim. I am interested in direct deposit, but I do not have a bank account. What are my options? If you do not have an account with a financial institution but would like to select direct deposit as your payment method, consider opening a bank or credit union account.
There are many options in Maryland. NOTE: If you have additional questions about any of the financial institutions listed on the Bank On Maryland website, please contact the financial institution directly. Bank Routing Number: This number identifies the bank or credit union. For a checking account, it is the nine-digit number that generally appears on the lower left portion of a personal check. A savings account typically does not have the routing number listed, so you may need to contact your financial institution for the routing number.
Account Number: For a checking account, the account number usually appears just to the right of the bank routing number on the check. It may be a series of digits followed by the check number or it may be a series of digits after the check number. The number of digits in an account number differs, depending on the bank or credit union. An account number may also include hyphens, spaces, or letters, and if so, they should be included when entering your account information.
The savings account number should be on your statement or passbook. Who should I contact if I cannot find my routing number or account number?
For assistance determining your routing number and account number, please contact your financial institution. No, you do not need to contact your bank or financial institution to receive benefit payments through direct deposit.
Unemployment benefit payments are issued by Wells Fargo on behalf of the Division. To complete your enrollment in direct deposit, you will be prompted to enter the following information about your bank account:.
Payment method is updated. These details must match and be verified to enroll in direct deposit. If a claimant updates their information with their bank, it will take at least 3 business days for the bank account verification process via BEACON to note these changes.
The purpose of this micro deposit process is to ensure that your bank account is able to receive ACH deposits. NOTE: One withdrawal will be made from your account. The withdrawal amount will be equivalent to the amount of the two micro deposits. Although you can select direct deposit as your payment method in the mobile app, you cannot use the mobile app to complete the micro deposit verification process.
What do I need to do after I receive micro deposits in my bank account? Once you have received the micro deposits in your account, you must return to your BEACON portal to confirm the amounts that were deposited. You will receive an Action Item in your portal with instructions. You cannot use the MD Unemployment for Claimants mobile app to confirm the micro deposits.
What should I do if my bank account information is not verified by the micro deposit process? If the micro deposit process cannot verify your bank account information, it may be due to one of two reasons:. You entered your bank account information in BEACON incorrectly, and as a result, the micro deposits were not deposited into your account.
The Action Item will remain in your portal until you have:. You must start the enrollment process again to receive benefit payments by direct deposit. Payment Method is updated. If your bank account information is not approved or you are unable to receive direct deposits:. You will be asked to confirm your mailing address. If you attempt to enroll in direct deposit payments and your banking account information is not approved, you may consider using another financial institution to receive direct deposit payments.
If you do not want to use another financial institution, please elect to receive benefit payments by paper check. If you requested benefit payments via direct deposit, the timing of your payment depends on both when you filed your weekly claim certification and the amount of time it takes your banking institution to process the payment.
Your funds will be sent for processing on the next business day. This may vary during holidays and weekends. Please note that while your funds are quickly processed by the Division, the time it takes for your funds to be available in your bank account will depend on your particular banking institution.
Can I receive payments via direct deposit if I have issues pending on my claim? Enrolling in direct deposit has no impact on any issues pending on your claim. However, if you have issues pending on your claim, those issues may result in a determination that you are ineligible for benefits. You will be issued a determination letter stating whether or not you are eligible for benefits, and, if applicable, the reason why you are ineligible for benefits.
Maryland unemployment benefits can help you cover living expenses while you search for a new job, and until you begin receiving paychecks from a new employer. Maryland unemployment eligibility depends on several factors. State of Maryland unemployment benefits are available to workers who have lost their job, but for reasons that are not their fault.
In most cases, this temporary source of income can be utilized by workers who have been laid off, placed on a mandatory leave of absence, or are missing work due to a labor dispute.
Several online services—like FlexJobs , training , or MyPerfectResume —can help you find work-from-home jobs, build a better resume, or earn training certifications. If you choose to apply for Maryland MD unemployment insurance benefits , the State of Maryland requires you to meet several eligibility requirements.
Because these benefits are meant as a temporary aid following a layoff or other kinds of job loss, you must:. To meet Maryland unemployment eligibility requirements, uou must also meet wage requirements for a certain period of time — also called a base period. In Maryland, your base period is the last four of five quarters that you worked, and you must have earned a minimum amount to be eligible.
Maryland requires you to:. If you meet all of these requirements, you likely qualify for unemployment insurance in Maryland. Though, you should know that some special circumstances could lead your application being rejected. Some examples of common rejection reasons include:. Maryland requires every person seeking unemployment benefits to have lost their job through no fault of their own.
But what does that really mean? You may not qualify for unemployment benefits if you lost your job because of workplace behaviors, attitudes or other issues. An employer can contest your application for unemployment benefits if you were fired for:.
In most cases, if you were not at fault for losing your job, your application should move quickly through the process. Once the Department receives your application, it will send you a Determination of Monetary Eligibility.
This document will include your potential weekly benefit amount. If your unemployment claim is denied , you have 15 days to appeal the decision to the Appeals Division. A hearing will be held on your appeal, at which you may testify, present witnesses, and offer evidence.
The Hearing Commissioner will issue a written decision in your case. If you aren't satisfied with the Hearing Commissioner's decision, you may appeal it to the Board of Appeals.
And, if you aren't satisfied with the decision of the Board of Appeals, you may seek review in state court. For more information on the unemployment process, including current eligibility requirements and benefits amounts, visit the website of the Maryland Division of Unemployment Insurance.
The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising.
In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. Grow Your Legal Practice. Meet the Editors. Collecting Unemployment Benefits in Maryland. Learn the rules for unemployment eligibility, benefit amounts, and more in Maryland. Eligibility Requirements for Maryland Unemployment Benefits The Division of Unemployment Insurance of the Maryland Department of Labor, Licensing and Regulation handles unemployment compensation and decides whether claimants are eligible for benefits.
You must meet the following three eligibility requirements to collect unemployment benefits in Maryland: You must be unemployed through no fault of your own, as defined by Maryland law. You must have earned at least a minimum amount in wages before you were unemployed.
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