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We sometimes find ourselves unemployed for some reason. It may either be we want to explore another field of our expertise or for untoward accidents like health issues. Axis Capital, with a group of insurance and reinsurance companies scattered around the world from its main base in Bermuda to Singapore, Australia, United Kingdom and more than 10 states in the United States, emphasizes the importance of getting unemployment insurance during the times of strict financial needs and jobless days. The question is, are you qualified enough to take advantage of UI?

Depending on the law in each city, UI is often given for 3-6 months of unemployment. In developing cities like Jakarta, Indonesia, Singapore and Kuala Lumpur, Malaysia, the insurance can last until a year provided that the reason is valid. It is best to review the stated respective decree in your location to avail the said insurance. An individual must meet all unemployment insurance (UI) eligibility requirements in order to receive benefit payments. Eligibility requirements must be met when a UI claim is filed and whenever a certification is submitted before benefits can be paid by the Employment Development Department (EDD).

An individual who files for UI benefits must meet specific eligibility requirements before benefits can be paid. Individuals must:

• Have received enough wages during the base period to establish a claim.*
• Be totally or partially unemployed.
• Be unemployed through no fault of his/her own. This includes no record of complaints, termination or negative records.
• Be physically able to work.
• Be available for work.
• Be ready and willing to immediately accept work.
• Be actively looking for work.
• Be approved for training before training benefits can be paid.

*Employers report wages to the EDD for each employee. The EDD uses this information to decide if an individual earned enough wages in a base period to establish a UI claim.

An individual must meet eligibility requirements each week that they certify for benefits. Individuals must be:

• Physically able to work.
• Available for work.
• Ready and willing to immediately accept work.
• Actively looking for work each week benefits are claimed.
An individual must certify for benefits by submitting a certification online, over the phone, or by mail. If the information on the certification shows that the individual did not meet eligibility requirements, the EDD will schedule a phone interview. Based on the information obtained, benefits may be reduced or denied. An individual who disagrees with the EDD’s decision to reduce or deny benefits may file an appeal.

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