Expansion of Unemployment Insurance: Changes under COVID-19

Pandemic Unemployment Compensation

T + T

Summary

The CARES Act of 2020 expanded Unemployment Insurance benefits to all 50 states. It created three separate benefits, all three of have been extended to September 6, 2021. The three expansions include:

  • Pandemic Unemployment Compensation – increases the amount of weekly benefits a qualifying individual may receive;
  • Pandemic Unemployment Assistance – expands the type of worker that can qualify for Unemployment Insurance;
  • Pandemic Emergency Unemployment Compensation – expands the number of weeks a qualifying individual can receive benefits.

This section covers the Pandemic Unemployment Compensation benefit, which provides an additional $300 per week to beneficiaries of both traditional UI benefits as well as the new PUA benefit.

Note

Regular Unemployment Insurance benefits also has an Extended Benefits (EB) program, which goes into effect under state law once the state reaches a certain level of high unemployment. See below, Extended Benefits for more information on EB and how it coordinates with Pandemic Emergency Unemployment Compensation.

If you are a Benefits Plus subscriber, for additional information on traditional Unemployment Insurance Benefits, refer to Cash Benefits, Unemployment Insurance Benefits. For subscription information visit: https://bplc.cssny.org/home/subscription_options.

Description of the Pandemic Unemployment Compensation

EXPANDS THE AMOUNT OF THE BENEFIT

Originally through the CARES Act, beneficiaries of both regular Unemployment Insurance (UI) benefits and Pandemic Unemployment Assistance (PUA), were entitled to an additional $600 per week, which ended July 26, 2020.

Under the new stimulus package passed on December 27, 2020, both UI and PUA beneficiaries became entitled to an additional $300 per week. The $300 in supplemental benefits were extended through September 6, 2021 under the American Rescue Plan Act (ARPA). The full $300 of the PUC is available to all claimants when they are entitled to at least $1 in partial benefits, whether it is regular UI or PUA.

FORM OF THE BENEFIT

Claimants will receive the PUC benefit in the same manner they receive their regular UI or PUA benefit, that is either through a debit card or direct deposit (deposited directly into the claimant’s checking account). Claimants will select their choice when they first file a claim.

HOW PUC COORDINATES WITH OTHER BENEFITS

Social Security Insurance Based Benefits

The PUC benefit, as well as the PUA benefit, does not reduce Security Retirement, Disability, Survivor or Dependent insurance-based benefits.

Cash Assistance, SNAP, Medicaid, Child Health Plus, and the Essential Plan

The PUC benefit is excluded from income calculations when determining eligibility during application and recertification procedures, although the amount of the PUA benefit is included (as well as the regular UI benefit).

Public Housing and Section 8

The PUC benefit is excluded from income calculations for Public Housing, Section 8
and other HUD administered housing programs.

SSI

The PUC benefit, as well as the PUA benefit amount (and regular UI), will count as unearned income for SSI purposes. Therefore, it is likely that many SSI beneficiaries will have their SSI benefits suspended because of receiving the additional PUC benefit. However, SSI recipients will not lose their Medicaid coverage while in receipt of the additional PUC benefit, at least for the duration of the coronavirus emergency. Once the extra PUC benefit ends, and as long as the regular PUA benefit amount does not make them ineligible, SSI recipients will have their SSI benefits reinstated.

Please note, SSI recipients may encounter issues because of the $2,000 asset limit for individuals ($3,000 for couples).

Qualifying for the Pandemic Unemployment Compensation

BASIC RULE

Claimants who qualify under regular Unemployment Insurance benefits (UI) or who qualify for the Pandemic Unemployment Assistance (PUA) program qualify for PUC. Refer to Cash Benefits, Unemployment Insurance Benefits, Qualifying for regular Unemployment Insurance Benefits for information on qualifying for UIB, also see above, Pandemic Unemployment Assistance, Qualifying for Pandemic Unemployment Assistance.

PART TIME WORKERS

Part-time workers who are eligible to receive PUA or UI benefits, are eligible for the full PUC benefit per week, as long as they qualify for at least a partial PUA or UI benefit.

Applying for Pandemic Unemployment Compensation

Once a claimant has been approved for regular Unemployment Insurance benefits or Pandemic Unemployment Assistance no additional action is required. PUC is automatically granted for all individuals who qualify under either program.

Certifying for Pandemic Unemployment Compensation

To receive PUC benefits, beneficiaries should certify for benefits weekly through the DOL website at NYS DOL via their NY.gov ID account at https://applications.labor.ny.gov/IndividualReg/.