The Basic 411 On Unemployment Benefits
In the last two weeks of March 2020, nearly 10 million Americans have submitted new unemployment claims all because of Rona. That's triple the initial 3.3 million that was reported just last week.
And if you're one who has suddenly lost your job, you're not only worried about your future and bills but also overwhelmed with the process of having to figure out the rules, loopholes and exceptions of unemployment plus get the $600 we've been hearing about in the news.
We got you.
I've put together the who, what and how of unemployment benefits as a result of the coronavirus. Keep in mind specifics vary across states but here's the basic information you'll need to know before you apply.
What are unemployment benefits?
Unemployment insurance is a joint federal-state program that provides temporary payments to an employee who loses their job through no fault of their own. It's funded by your employer (and by you, too, in a handful of states like New Jersey and Pennsylvania.)
The percentage that the employer has to pay into the fund is based on a combination of factors including how much unemployment they've had to pay out in the past. The more claims an employer has to pay out, the higher its unemployment insurance tax, which explains why some jobs will quickly contest your claim when you file.
Who’s eligible to receive unemployment?
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Generally, unemployment benefits are paid to employees who are laid off. Also, you have to have worked for that company for a certain amount of time before you were laid off and that timeframe is set by your state. However, I found out a few years ago that even if you didn't work for a company that long, you can still get unemployment. But your state will file the claim under your previous employer, or at least that's how it works in Virginia. It doesn't hurt to check because you could end up missing out on money like I almost did.
At that time, I worked in a college writing center and when the school closed for Christmas break, I learned that I could still apply for unemployment for those few weeks. I had only worked for the college for maybe three months or practically a semester.
My claim rep didn't tell me this upfront, though. What she did was schedule a phone conference with me, her and an HR rep from the company where I worked before going to the college. The claim rep basically wanted to know how much I made, my duties and why I left. Let me tell you, the HR rep wasn't exactly thrilled.
Now here's where I could've been easily denied because I voluntarily left that position. If you're ever fired for misconduct or you simply quit your job for no valid reason, you aren't eligible for unemployment benefits. But I resigned to enroll in school and pursue a brand new career and I left my old employer on good terms. In this case, I was still approved for unemployment but under my corporate employer even though I was working at the college.
Do you know what else that meant? It meant my unemployment payment was higher. In fact, it was the max and I didn't make nearly as much as I did in my previous position. So it helps to know these things in case you get a less helpful rep.
Under normal circumstances, only traditional employees are eligible while freelancers and independent contractors are ineligible to receive unemployment benefits. But thanks to the Pandemic Unemployment Assistance (PUA) program, established under the $2.2 trillion Coronavirus Aid Relief and Economic Security (CARES) Act, unemployment benefits are currently extended to the self-employed, too.
However, if you're able to telecommute and still earn your regular paycheck, you're not eligible.
And of course, if you're denied and you believe you do meet the qualifications, you can always appeal.
How much can I expect to receive and for how long?
While unemployment benefits are intended to fill in a gap, they don't quite replace your usual paycheck. In fact, those benefits are often much less than your biweekly direct deposit. Exactly how much you'll receive is determined by your state and it's some formula based on your prior earnings. That amount is also capped and taxed so you'll have to report it at the end of the year just like you would your regular paycheck. You'll get a document similar to a W2.
Depending on your state, maximum unemployment usually ranges from $190 to $1,234 per week and you can get it for 12 to 26 weeks. (A huge gap, right?) But under the federal CARES Act, recipients can get an extra $600 per week on top of that until July 31, 2020 – retroactive to March 29th in most states – and their usual unemployment for an additional 13 weeks. Self-employed workers and freelancers who lost their income to the Rona are eligible for the $600, too.
In Virginia, the weekly payment is applied to a debit card that the employment office mails to you when you initially apply and get approved. It should be the same nationwide.
How do I apply for unemployment and what do I need to do to keep getting my benefits?
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You can file online or by phone and if you live in one state but work in another, you'd apply in the state where you worked. Apply as soon as you become unemployed because normally state benefits aren't retroactive (not to be confused with the $600 that is retroactive) if you wait, say, weeks or months later. But that stipulation, along with the usual one-week waiting period, may be waived to accommodate the changes under the CARES Act. Nevertheless, work on getting what's due to you sooner rather than later.
Be sure to answer all the questions accurately and in their entirety. Note that you must be able and available for work and actively seeking work so when/if you're asked that question, respond 'yes' even if you intend to return to your old job.
In some states, you'll have to formally register for work. You'll want to check with your state on those requirements. But each week you'll also need to report where you've been looking for employment. There may be a minimum number of companies that you need to list every week.
Follow the instructions or you could end up with a lapse in benefits. You probably want to be mindful of where you apply, though. Try to stick with positions you're truly interested in instead of just aiming to meet the weekly quota because, technically, if you're offered a position, you're supposed to accept it. And you don't really want to be stuck with a job that puts you in a financial bind especially now with a pandemic relief program in place. No need to throw the $600 away.
But if you do earn any money while you're on unemployment, you have to report that, too, because you're not allowed to simultaneously receive a paycheck plus full benefits. More than likely, what you earn from that job or gig will be deducted from your weekly benefit.
Many states' systems aren't built to process the $600 increase yet so you may not see it right away but, again, that portion is retroactive. However, if you're in New York and already receiving your regular unemployment benefits, you might see your $600 this week! But those who are self-employed will have to wait a bit longer because systems need to be modified to accommodate freelancers and contractors.
The coronavirus has forced us into a world of uncertainty. We're not sure how many of us it'll affect or when any of this will really come to an end. But what we can be sure of is that we must be diligent in not only protecting our lives and those we love but also maintaining our livelihoods so that we can survive.
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- How Do I File for Unemployment Insurance? | U.S. Department of ... ›
- Unemployment Benefits - ESDWAGOV ›
- DES: Apply for Unemployment ›
- How to Apply for Unemployment Benefits Online ›
- Unemployment Help | USAGov ›
- Apply for unemployment benefits | Mass.gov ›
- File an Unemployment Insurance Claim ›
- Applying for Unemployment Benefits | Texas Workforce Commission ›
- Unemployment Insurance (UI) Online File a Claim ›
- Get Unemployment Assistance | The State of New York ›
I write about lifestyle and women's health and wellness. When I'm not in front of a computer screen crafting stories, I'm in a kitchen crafting cocktails. Follow me on the 'gram @teronda.
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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Honestly, I don’t know if it will surprise y’all or not to know that a few years back, Vice published an article entitled, “Women Get Bored in Bed Faster Than Men.” When it comes to the clients I work with, what I will say is men tend to underestimate how creative women can be while women seem to overlook that men fake orgasms just about as much as they do. My grand takeaway from all of this? Folks need to be intentional when it comes to keeping the spice alive in their sex life; especially if they’re in a long-term relationship.
That’s why, when one couple came to me and asked what was something that they could do to light the fire (pun intended) in their own bedroom, the first thing that I asked was if they had ever tried wax play before. You should’ve seen the expression on their faces. LOL.
When it comes to things like that, I think that it’s still taboo for some, simply because they’ve only seen it on a movie screen or heard about it in true extreme sexual contexts — and so, they don’t think that it’s something that is “for them” when, the reality is, with the right tips in tow, wax play can be for pretty much anyone…and everyone.
So today, let’s add something new to some of y’all’s boudoir list of activities. Here are 10 things that will, hopefully, help you to see the flames of wax play (I’ve got puns all over the place today) in a whole new light.
1. Anticipation Does Wonders for Sexual Arousal
GiphyI once read an article by a mental health expert who said that anticipation is probably the greatest aphrodisiac of all. It builds excitement. It fuels curiosity. At the end of the day, it’s like a mental form of edging because you’re getting close to something that you look forward to — although you’re not quite there yet. Listen, he’s not off base because even science says that anticipation can give you a dopamine hit that can ultimately improve your sexual experiences.
Keeping this point in mind, how can watching hot wax drip from a candle and head toward your body not fuel some level of anticipation? Especially if it’s your first few times trying it? A woman by the name of Ana Monnar once said, “Anticipation is sometimes more exciting than actual events.” Just something to consider, when it comes to entertaining bringing wax play into your world, my dear.
2. Wax Play Is Peak-Level Foreplay
GiphyWe all know what foreplay is, right? Just to be sure that we’re all on the same page, a very basic definition is it’s something that typically happens right before sex in order to arouse the people who are about to have it. And since foreplay is pretty much the prelude to copulation, it’s important that “the appetizer” is damn near as good as the “main course.” Wax play can help to ensure that because, aside from what I just said about anticipation, it can also help you and your partner tap into your more sensual and seductive sides. It’s hot. It requires being mindful. And since so much give and take is involved, it requires both people to be very into the moment. Lawd. Wax play is sexy to even just think about!
3. Temperature Pleasure Is Lots of Fun
GiphyOkay, say that you’ve never played with wax (in this way) before. Have you ever incorporated ice cubes? I ain’t gonna let y’all get ALL up in my business, so…let me just say (for now) that some ice during oral sex ain’t neva hurt nobody…quite the contrary! There’s something about the unexpected cool that mixes around with the warmth of a mouth that is truly unmatched. Along these same lines, wax play brings in the heat and, what makes temperature pleasure/play so awesome is, that it uses the sensations of different temperatures to bring out different forms of stimulation.
Another thing that’s worth noting about temperature pleasure is if you’re someone who considers yourself to be on the sexually conservative side yet you do like this type of activity, whether you realize it or not, you’re low-key participating in a form of kink (yep!). This brings me to my next point.
4. Wax Play Is an Introduction to Kink
GiphyIt’s kind of interesting how some people clam up at the thought of a (sexual) kink when the reality is, at the end of the day, it’s about having a certain type of sexual experience (as opposed to a fetish that focuses on objects or body parts; like a foot fetish, for example). So, if it’s that simple, why does it intimidate a lot of folks? Well, kinks tend to delve into people’s fantasies or unconventional ways of thinking (like BDSM or voyeurism).
At the same time, the cool thing about kinks is you control how deep you want to go. Just know that if you do participate in wax play, there’s no point in turning up your nose to the whole kink thing; wax play technically qualifies.
5. Soy Does One Thing. Paraffin Does Another.
GiphyOkay, so let’s spend a couple of moments talking about the things that you need to get the most out of your wax play experience. First, please don’t be out here imitating movies. While they will have you believing that you should pull a taper candle from your dining room table and go ham with it, it’s best to go with massage candles; they are specifically designed for wax play and body massages (The Knot has a recommendation list here and Women’s Health has a list of their own here).
When it comes to candles, in general, I’m always a fan of soy because they burn cleaner and last longer. However, when it comes to wax play, two other reasons why soy is best is it’s natural and “burns lower;” this simply means that once the wax hits your body, it won’t be as hot as, say, paraffin wax will (because it has a higher burning point).
What all of this means is if you want a more comfortable experience, go with a soy (or even a shea butter or beeswax) candle. If you want to play with the big (wax play) kids, try paraffin.
Oh, and if you’re wondering if you can never use “regular” candles — I mean, it’s your body. All I’m saying is some candles are designed for wax play; birthday candles? They are not. Feel me?
6. Massage Candles Feel Incredible on Your Muscles and Joints
GiphySo, here’s the thing about massage candles: If you’ve ever had a professional massage before, your massage therapist may have used them. And if you’ve gotten a high-end mani/pedi, some paraffin wax may have come into play (no pun intended). That’s because the wax from both types of candles has health benefits that include relaxing muscles, improving joint mobility, and increasing blood flow throughout the body. And when you factor in the fact that the better you physically feel before sex, the better sex will be during it — isn’t that just one more plus for and perk of wax play? I definitely think so.
7. The Aromatherapy Is Incomparable
GiphySomething else that’s awesome about most massage candles is they have a wonderfully alluring scent to them, by design. Yes, that matters too because there is plenty of data out here to support the fact that aromatherapy does everything from reduce stress and relieve bodily discomfort to treat headaches and fight off infections (word on the street is that it may even help with menstrual cramps and menopause).
As far as your sex life goes, aromatherapy is supreme because certain essential oils double up as aphrodisiacs. Lavender, neroli, and rose are proven to improve your sexual function. Geranium reduces anxiety. And listen, if climaxing is your ultimate goal, check out “Ultimate Climax Hack? 10 Scents That Make It So Much Easier To Orgasm” and then look for massage oils that smell like, say, vanilla, saffron or jasmine. Bottom line, a good massage candle that smells amazing is going to be worth every cent that you spent to purchase it.
8. You Will Learn Communication (and Dirty Talk) on a Whole ‘Nother Level
GiphyOne of the reasons why I once penned, “Are You Ready To Apply Your Love Language To Your Sex Life?” for the platform is because, if there’s one thing that I think is so awesome about sex, is it finds a way to incorporate all five of your senses (sight, touch, taste, sound and hearing) as well as your top love languages (words of affirmation, quality time, acts of service, physical touch and gifts — if you’re open to it).
And when it comes to hearing (and words of affirmation), this is another area where wax play can be a winner because, as you’re learning what works for your partner and they learn what works for you, words have to be exchanged… perhaps even dirty ones.
And why is dirty talk so damn effective? According to scientific research, it has the ability to activate your entire brain (the biggest sex organ that you have) and when this is going on while you’re being physically stimulated — chile, the sky truly is the limit!
9. Wax Play Is Completely Customizable
GiphyYou know back when I was talking about soy candles vs. paraffin ones? Something that I didn’t mention, by design at the time, is that, although I will forever be Team Massage Candles when it comes to this particular topic, there are some known as wax play candles too. What’s the difference? Wax play candles tend to remain pretty hard (after being lit up) while massage candles are designed to melt into a liquid that you can massage on your partner’s body.
Why am I bringing this all up now? Well, it’s to serve as a reminder that wax play can be “dialed up” or “turned down” based on what you want to do. If you just want to put a twist on a massage, you can do that. If you’d like to test your partner’s tolerance level by applying more heat for longer, do that.
Just make sure that you use the kind of wax that doesn’t fully melt on shaved areas of the body (pretty sure why is self-explanatory), that you moisturize your skin beforehand (it’s easier to remove the wax…or whatever is leftover) that way and that you pour around 15-20 inches away from your partner’s body; that gives it time to cool somewhat on the way down. Oh, and if you don’t want to jack up your sheets, you might want to lay down a protective drop cloth (like this one here).
10. It Sure As Hell Ain’t Boring
Season 1 Friends GIF - Find & Share on GIPHYGiphyLast point — and it brings all of this full circle. Now that you’ve read all of the ways that wax play can benefit your sex life, how in the world could you associate it with “boring” on any level? Anything that can get you hype, cultivate eagerness, and enhance what you’ve already got going on…that is worth putting on your sex bucket list and trying at least one time, wouldn’t you say? And why can’t that time be…TONIGHT? Shoot your man a pick of a massage candle with a heart and watch him beat you home.
Then report back (with edits…LOL).
Something tells me that you’ll become a wax play fan — SOON.
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