When you become unemployed through no fault of your own, you may apply to receive unemployment insurance benefits. Employers all over the state pay this insurance for their workers. Your benefits amount will vary depending on your earnings during the last few quarters you were employed.
There is also a limit on the amount of money you will receive as payment for your benefits. There are also some conditions that may disqualify you from receiving unemployment insurance benefits such as losing your job due to misconduct, absences, or any other reason not related to the employer or the work.
Your previous earnings will also be part of the qualifications you need to apply for unemployment insurance. In order to request your benefits you should have earned at least $2,250 during the 12 months preceding your claim, and out of those, $1,500 should have been earned during one of the quarters. Only earnings that have already been paid are taken into account.
As soon as you become unemployed you are required to open a new claim by using the telephone claiming system or the Internet filing system. Phone claims can be filed by calling 800-320-2519 toll free. Internet claims can be filed at: http://www.moclaim.mo.gov.
After opening a claim you must continue to file weekly claims in order to keep receiving your benefits.
Every week you can receive a specific amount of money based on your previous earnings. Your Weekly Benefit Amount equals four percent of the average of the two highest quarters during your base period, which consists of the last five completed quarters. The maximum amount you will receive each week is $320.
There is also a Maximum Benefits Amount, which is the most you can receive in one benefit year. Your Maximum Benefits Amount is 20 times your Weekly Benefit Amount or your total base period wages divided by three, whichever is lower. For your quarterly earnings you must report a maximum of 26 times your Weekly Benefits Amount when calculating.
When filing your claims you will be requested to provide certain information about your previous employers and your search for work. Keep all documents close to you when filing in order to speed up the process and avoid mistakes.
On your initial claim you must introduce your Social Security Number, telephone numbers, and address. If you change your address, you must report it immediately by phone to your Regional Claims Center (RCC). Information about your quarterly and weekly earnings will also be required.
You will be prompted to enter a method of payment to receive your benefits. If you choose to have the payments deposited to your account, you must provide the bank routing and account number.
Make sure all your data is up to date, accurate and true, otherwise you might get accused of fraud and your benefits may be suspended.