What to Do When Unemployment Benefits Are Exhausted in California

Unemployment benefits ending can present a challenging financial situation for individuals and families. Navigating this period requires understanding the various options and resources available to maintain stability. This guide provides comprehensive information on potential avenues for support in California, from extended unemployment programs to state and federal assistance, job search tools, and personal financial management strategies.

Exploring Extended Unemployment Benefits

When regular unemployment insurance benefits are exhausted, Californians may become eligible for extended benefits under certain economic conditions. The Federal-State Extended Duration (FED-ED) program can provide additional weeks of benefits. Eligibility for FED-ED is triggered when the state’s insured unemployment rate reaches specific thresholds, indicating a period of high unemployment.

To qualify for FED-ED, claimants must have exhausted all regular Unemployment Insurance (UI) benefits and meet specific earnings requirements from their base period. The California Employment Development Department (EDD) reviews eligibility for FED-ED automatically once regular benefits are depleted.

Upon determination of eligibility, the EDD sends a “Notice of Determination for Federal-State Extended Duration Benefits” (DE 6330FED-E) to the claimant. This notice outlines the effective date of the extension, the potential benefit amount, and ongoing eligibility requirements. Claimants should check their EDD online account and mail for these notifications.

Continuing to certify for benefits every two weeks is required to receive extended payments. Claimants must remain physically able to work, available for work, and actively seeking employment, unless otherwise instructed by the EDD. Failure to meet these requirements affects eligibility.

Accessing Other State and Federal Assistance Programs

Beyond unemployment extensions, a range of state and federal programs can provide support during periods of no income. CalFresh, also known as the Supplemental Nutrition Assistance Program (SNAP) in other states, offers food assistance to low-income households. Eligibility for CalFresh depends on household income, household size, and expenses like rent or utilities.

To apply for CalFresh, applicants can do so:

• Online through portals like BenefitsCal.com
• In person at a county social services office
• By phone
• By mail

Required documentation includes proof of identification, income for all household members, and immigration status if applicable. Expedited benefits may be available for eligible households with very low income and limited liquid resources, within three business days.

Healthcare coverage is another concern, and Medi-Cal, California’s Medicaid program, provides free or low-cost health services. Eligibility for Medi-Cal is based on income relative to the Federal Poverty Level, though specific categories like age, disability, or pregnancy also qualify. Applying for Medi-Cal can be done through Covered California’s website, county human services agencies, or by phone.

For families with children, the California Work Opportunity and Responsibility to Kids (CalWORKs) program offers cash aid and employment services. Eligibility is determined by factors such as the presence of a child deprived of parental support, household income, and resource limits. Applications for CalWORKs can be submitted online via BenefitsCal.com or at local county welfare departments.

Utility and housing assistance programs, such as the Low Income Home Energy Assistance Program (LIHEAP), can help with heating, cooling, and energy crisis situations. LIHEAP provides one-time financial assistance to help balance utility bills for eligible low-income households, with benefit amounts varying based on household size and income. Applications for LIHEAP require recent utility bills, income documentation, and identification, and can be submitted through local service providers.

Utilizing Job Search and Training Resources

Actively seeking new employment and enhancing marketable skills are steps to take when unemployment benefits cease. The EDD’s CalJOBS portal serves as California’s online hub connecting job seekers with employers. The platform allows job seekers to search for openings, create resumes, and explore training programs.

Recipients are required to register on CalJOBS and maintain an active resume to fulfill work search requirements. They are notified of this requirement and have a period, such as 21 days from the notice date, to complete registration and resume posting. Failure to comply impacts ongoing benefit eligibility.

America’s Job Centers of California (AJCCs) offer no-cost services to assist job seekers. These centers provide resources like career counseling, resume and interview workshops, and access to computers and internet for job search. AJCCs also connect job seekers with training and skill development programs to improve employability.

Exploring vocational training and continuing education can help adapt to changing labor market demands. These programs, accessible through AJCCs, can lead to new certifications or degrees, making job seekers more competitive. Information on eligible training providers and programs can be found through state workforce development agencies.

Navigating Financial Management Without Income

Managing personal finances becomes important when income sources are limited or absent. Adhering to a budget is a primary step, requiring a distinction between essential and non-essential expenses. Prioritizing expenditures on necessities like housing, food, and utilities helps preserve limited funds.

Communication with creditors is also important for managing existing debt. Many creditors offer hardship programs, such as temporary payment deferrals, reduced interest rates, or modified payment plans, for individuals experiencing financial difficulties due to job loss. Proactively reaching out to credit card companies, lenders, and mortgage servicers before missing payments helps protect one’s credit score and avoid additional fees.

Exploring alternative income streams, even if temporary or part-time, helps bridge financial gaps. This includes gig economy work, freelancing, or temporary positions that provides cash flow while a more permanent role is sought. Any income, even small amounts, contributes to covering immediate expenses and reducing financial strain.

For structured support, nonprofit credit counseling agencies offer free or low-cost services. These counselors help individuals create a realistic budget, understand options for debt management, and negotiate with creditors. They also provide guidance on preventing further debt accumulation and working towards financial stability.