Unemployment checks come weekly, and the certification is where claims die. One sloppy week — unreported earnings, missed job-search log, skipped availability — turns benefits into an overpayment you repay. Work the system as filing, not chores.
What You Must Report Each Week
- All earnings, gross — gig work, side cash, remote contract, severance weeks in some states. Zero-week reporting is the most common denial source.
- Job-search activity: the MARDET list: applications, interviews, employer contacts. Log names, dates, results. States audit the logs, not the counts.
- Availability: able, available, and actively seeking. Health limits, caregiving, travel weeks — report them in the week they happen, not after.
Overpayment Traps
Unreported weeks get recouped with interest, and the agency sends letters to your address on file. Remote work while collecting is legal; reporting it is mandatory. Gig platform income is earnings (1099-K trail is the proof).
Wording at exit matters for the claim baseline — see the eligibility guide and the cash plan for the 30-day money order.
Put the rule into action
Write the letter with the free Unemployment Claim Statement generator. The state pages carry the local payout and notice windows, and the application tracker keeps the follow-up date in writing.
Rule windows by state (50 states)
Rows are rule categories, not statutory citations. Confirm the current text with the state agency named on the state page before quoting it in a filing.
| State | Unemployment & Severance Offset | State rule page |
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| California | Severance is not counted as wages for unemployment. Your weeks are not suspended, and the job-search duty continues. | CA Severance Offset |
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| Colorado | Severance is not counted as wages for unemployment. Your weeks are not suspended, and the job-search duty continues. | CO Severance Offset |
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| Illinois | Severance is not counted as wages for unemployment. Your weeks are not suspended, and the job-search duty continues. | IL Severance Offset |
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| New York | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | NY Severance Offset |
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| New Jersey | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | NJ Severance Offset |
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| Washington | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | WA Severance Offset |
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| Massachusetts | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | MA Severance Offset |
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| Texas | Severance is not counted as wages for unemployment. Your weeks are not suspended, and the job-search duty continues. | TX Severance Offset |
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| Florida | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | FL Severance Offset |
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| Ohio | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | OH Severance Offset |
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| Georgia | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | GA Severance Offset |
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| North Carolina | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | NC Severance Offset |
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| Michigan | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | MI Severance Offset |
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| District of Columbia | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | DC Severance Offset |
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| Connecticut | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | CT Severance Offset |
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| Maine | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | ME Severance Offset |
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| Minnesota | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | MN Severance Offset |
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| Nevada | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | NV Severance Offset |
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| Arizona | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | AZ Severance Offset |
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| Wisconsin | Severance is not counted as wages for unemployment. Your weeks are not suspended, and the job-search duty continues. | WI Severance Offset |
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| Oregon | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | OR Severance Offset |
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| Pennsylvania | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | PA Severance Offset |
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| Virginia | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | VA Severance Offset |
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| Tennessee | The state divides severance across weeks at your weekly wage: benefits are barred for the weeks the payment covers. | TN Severance Offset |
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| Indiana | Severance is partially offset; weeks may be reduced instead of suspended. | IN Severance Offset |
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| Iowa | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | IA Severance Offset |
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| Kansas | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | KS Severance Offset |
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| Kentucky | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | KY Severance Offset |
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| Louisiana | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | LA Severance Offset |
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| Maryland | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | MD Severance Offset |
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| Mississippi | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | MS Severance Offset |
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| Missouri | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | MO Severance Offset |
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| Montana | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | MT Severance Offset |
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| Nebraska | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | NE Severance Offset |
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| New Hampshire | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | NH Severance Offset |
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| New Mexico | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | NM Severance Offset |
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| North Dakota | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | ND Severance Offset |
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| Oklahoma | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | OK Severance Offset |
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| South Carolina | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | SC Severance Offset |
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| South Dakota | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | SD Severance Offset |
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| Utah | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | UT Severance Offset |
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| Vermont | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | VT Severance Offset |
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| West Virginia | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | WV Severance Offset |
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| Wyoming | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | WY Severance Offset |
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| Alaska | Severance is partially offset; weeks may be reduced instead of suspended. | AK Severance Offset |
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| Alabama | Severance is partially offset; weeks may be reduced instead of suspended. | AL Severance Offset |
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| Arkansas | The state severance/offset rule was not verified in this build: no effect is asserted. Ask the state unemployment agency how a lump sum and salary continuation are treated before you file. | AR Severance Offset |
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| Delaware | A lump sum is ignored; salary-continuation payments count as wages for the weeks they cover. | DE Severance Offset |
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| Hawaii | Severance is partially offset; weeks may be reduced instead of suspended. | HI Severance Offset |
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| Idaho | Severance is partially offset; weeks may be reduced instead of suspended. | ID Severance Offset |
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Put the rule into action
These figures are arithmetic, not opinion: compute them with the Severance Package Calculator calculator, along with the Severance Pay definition and the workplace remote reviews guide hub. Those sources state the rule in full; this page only points at them.
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Frequently Asked Questions
- Do I have to report a week with no income?
- Yes. Certify the week even when you earned nothing. A skipped certification is one of the most common denial and overpayment sources, because the agency reads a missing week as a gap in eligibility rather than a zero-income week.
- Does gig or side work count as earnings?
- Yes. Report all earnings gross, including platform work and contract income, in the week they were earned. The platform statement is the paper trail the agency can match, so report it the same way it is reported to you.
- Can I keep collecting while working remotely?
- Remote work while certified is not automatically disqualifying, but the earnings and the availability must both be reported in that week. Reporting late is what turns a legal week into a recouped one.
- What happens if I misreport a week?
- The agency recalculates and asks for repayment, often with interest, and mail goes to the address on file. Fix it by filing the corrected certification promptly and keeping the corrected record with the original.
Filing order and the certification clock
The certification clock runs weekly, and the filing order sets what the agency sees first. File the base-state claim where you worked, then request a transfer in writing when you move. File before you sign a separation agreement where the state allows it: a severance line entered before the claim can change the week count, and in New Jersey a signed separation agreement can reclassify a layoff as voluntary leaving. After filing, the weekly certification is the record the agency audits: report all earnings gross, log the job-search activity by name and date, and state availability in the week it changes. The offset model is a state rule: some states divide severance across weeks at your weekly wage and bar benefits for the covered weeks, some ignore a lump sum, and some count salary continuation as wages. Confirm the model with the state agency named on the state rule pages before you trade the package for a signature.
What to document before you act
- The separation wording, in writing, with the reason code, the notice date, and the last day. The same wording, reused every week, is what keeps the file consistent.
- Every earnings week: gig platform income, contract payments, severance weeks, and zero weeks. The 1099-K trail is the proof.
- The job-search log: company, date, role, and outcome. States audit the log entries, not the count.
- The availability record: health limits, caregiving, and travel weeks, reported in the week they happen.
- The address of record and the agency letters, kept in one folder with dates. Overpayment notices go to the address on file.
Numbers you should get in writing
Ask for five numbers, and write each one down on the day you learn it: the weekly benefit amount, the base period the agency used, the number of certified weeks, the severance weeks the state counts, and the effective date of any decision. The weekly certification is where the numbers meet: a severance week, a gig week, and a gap week are recorded by the agency, and the record decides the offset question. The appeal clock runs from the decision date, so note it the day the letter lands, and the appeal letter uses the same facts in the same order. Put the follow-up date in the application tracker so the certification week, the appeal window, and the job-search duty sit in one place.
Scripts and wording
Write the certification in one sentence pattern and reuse it:
“Week of [date]: I worked [hours] for [payer], earning [amount] gross. I applied to [company, role] on [date] and interviewed with [company] on [date]. I am available for full-time work, with no restriction on [schedule, travel].”
Then the claim statement, written once and reused everywhere: the filing, the transfer request, and the appeal all quote the same separation facts. The unemployment claim statement generator writes the separation facts as a fact list, and the unemployment appeal generator keeps the appeal tied to the decision date. Fix the week count in writing before the first certification, and confirm the severance treatment with the state agency.
Official sources to confirm with
The rules you quote in a certification come from agency pages, not from a summary. Use the US Department of Labor's Unemployment Insurance program page for the federal floor, and the state agency named on your claim for the week count, the offset rule, and the appeal deadline. Remote work while collecting is legal; reporting it is mandatory, so the location facts (the remote approval email, the address on payroll) belong in the file. See the weekly certification definition and the California unemployment page for the local offset line, then confirm the current text with the state agency named there.
- Do I report gig income while collecting?
- Yes. All earnings are reported gross, including platform income. Unreported weeks get recouped with interest.
- Should I file before signing a separation agreement?
- Where the state allows it, yes. In New Jersey a signed agreement can reclassify a layoff as voluntary leaving. Confirm the filing order with the state agency.
- How is severance counted?
- By state. Some divide severance across weeks at your weekly wage and bar those weeks, some ignore a lump sum, some count salary continuation as wages. Confirm with the state agency.
- What starts the appeal clock?
- The decision date on the agency letter. Write it down the day the letter lands, and use the same separation facts in the appeal that you used in the claim.
Sources (official record — verify before filing)
US DOL Unemployment Insurance