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I just went through this exact same situation a few weeks ago! That $20 difference is definitely federal tax withholding. When you first applied for UC, there was a question about whether you wanted federal taxes withheld from your benefits - sounds like you selected yes (which is actually the smart move!). What confused me at first is that PA doesn't calculate exactly 10% like they say - they use flat dollar amounts instead. So instead of taking $49.30 (which would be 10% of $493), they take a rounded $20. You can see the breakdown by logging into your UC dashboard and going to "Payment History" - it'll show your gross $493, the -$20 federal tax withholding, and your net $473 payment. I'd definitely recommend keeping the withholding active since unemployment benefits are 100% taxable income. Trust me, it's way better to have it taken out now than get hit with a surprise tax bill next April! The UC system really should explain this stuff more clearly upfront instead of leaving everyone to panic about "missing" money.
Thanks Chloe! I'm actually brand new to UC and just filed my first claim this week, so this whole thread has been incredibly helpful for understanding what to expect. I haven't received my first payment yet but now I know that tax withholding deduction is completely normal and not something to panic about. It's honestly amazing how many people seem to go through this exact same confusion when they first start collecting - really shows how the UC system could do a much better job explaining these things upfront! I'm definitely going to check that Payment History section when my first payment comes through so I can see the breakdown for myself. Really appreciate you and everyone else taking the time to explain this so clearly - this community is such a great resource for navigating all the confusing aspects of the system!
I went through this exact same confusion about 6 months ago! That $20 is definitely federal tax withholding from when you selected that option during your initial application. What threw me off at first is that PA doesn't actually calculate exactly 10% - they use flat dollar amounts instead, which is why you're seeing $20 rather than $49.30 (10% of $493). You can confirm this by going to your UC dashboard and checking "Payment History" - it'll show your gross benefit of $493, then the -$20 federal tax deduction, then your net payment of $473. I'd honestly recommend keeping the withholding active since unemployment benefits are fully taxable and you'll owe those taxes anyway when you file next year. Much better to pay as you go than get hit with a surprise tax bill in April! The UC system really could do a better job explaining this upfront instead of leaving everyone to panic about where their money went. You're definitely not alone in this confusion - seems like it's one of the most common issues new UC recipients face!
This is so reassuring to read Omar! I just started my UC claim this week and was already getting anxious about what to expect with my first payment. Reading through this entire thread has been incredibly helpful - it sounds like that moment of panic about the tax withholding deduction is basically a rite of passage for new UC recipients! I really appreciate how you and everyone else have taken the time to explain not just what's happening, but also the reasoning behind keeping the withholding active. The point about paying as you go versus getting hit with a big tax bill makes total sense. I'll definitely check that Payment History section when my first payment comes through so I can see the breakdown for myself. You're absolutely right that PA's UC system needs to do way better at explaining this stuff upfront - would save so many people from unnecessary stress and confusion!
Thanks everyone for the info! At least now I understand what's happening. Still annoyed I have to wait so long for that first week payment, but at least I know I'll get it eventually. I'll keep claiming my weeks and hope the second week payment comes through soon.
I went through the same thing when I first started claiming! That "Not Applicable" status is definitely confusing - I thought there was an error with my claim too. Just to add to what others have said, make sure you keep track of when your benefit year started because that waiting week payment will come exactly one year later (or when you exhaust benefits if that happens first). I set a reminder in my phone so I wouldn't forget about it. Also, your second week should process normally and you should see that payment within a few days if there are no other issues with your claim.
That's really helpful advice about setting a reminder! I definitely would have forgotten about it by then. Quick question - when you say the second week should process normally, how long did it actually take for you to see the money? I'm trying to budget and figure out when I can expect it to hit my account.
I've been collecting UC for about 8 months now and holiday weeks always throw me off too! One thing I learned is that if you set up text alerts through the UC portal, they'll actually send you a notification when your payment is processed, which usually happens the day before it hits your account. It's saved me a lot of anxiety checking my bank balance constantly. The alerts are free and you can turn them on in your profile settings.
This is such a great tip! I had no idea about the text alerts feature. I'm going to set that up right now - it would definitely help with the anxiety of waiting for payments, especially during holiday weeks like this. Do you know if the alerts work for any payment issues too, or just when payments are successfully processed?
@Harmony Love - the text alerts also notify you if there s'a problem with your claim that needs attention, like if they need additional documentation or if there s'an issue that could delay your payment. I got an alert once when they needed me to verify my identity, which saved me from waiting weeks without knowing there was a problem. It s'definitely worth setting up!
I'm dealing with this same situation right now! Filed my weekly claim Sunday night and then realized Monday was a holiday. It's stressful when you're counting on that money for bills. From what I'm reading here, it sounds like Thursday is the most likely day for direct deposit, which is what I have. Really appreciate everyone sharing their experiences - it helps knowing what to expect instead of just worrying about it. Going to set up those text alerts that @Harmony Love mentioned too, that sounds super helpful for future weeks!
@QuantumQuest - I totally get that stress about waiting for payment when bills are due! I'm pretty new to this whole UC thing too, and holiday weeks definitely add an extra layer of anxiety. It's really reassuring to see so many people confirming the Thursday timeline for direct deposit after a Monday holiday. The text alerts feature sounds like a game-changer - I had no idea that existed either. Thanks for bringing up this question, it's helped me understand the holiday payment schedule too!
I'm so sorry you're going through this stress! I was in almost the exact same situation last month - filed for unemployment after a position elimination and got stuck with an "active issue" for 5 weeks with zero explanation. The anxiety about bills piling up while waiting for answers is absolutely brutal. Here's what finally worked for me: I called exactly at 7:59 AM (set multiple alarms!) and got through on my third try that way. Turns out my issue was also employer-related - they needed to verify the circumstances of my separation. The good news is once I got through, they scheduled a phone interview within a week and I had my payments (including all back pay) two weeks later. Keep filing your weekly claims religiously even while waiting - you don't want to lose those weeks! Also check your physical mailbox daily, not just email - some notices only come via regular mail. The waiting is horrible but hang in there - legitimate claims do get resolved eventually with full back pay!
This is so encouraging to hear from someone who just went through the exact same thing! Five weeks of waiting must have been torture, but it's really reassuring that you got all your back pay once it was resolved. The 7:59 AM calling strategy seems to be the real key here - I'm definitely setting multiple alarms tonight to try this tomorrow. It's also helpful to know that employer verification issues are pretty common and that they actually do schedule interviews relatively quickly once you get through. I've been religious about filing my weekly claims but will make sure to keep that up no matter how long this drags on. Thanks for sharing your success story - it gives me hope that there really is light at the end of this tunnel!
I'm dealing with the exact same nightmare right now - filed 3 weeks ago and stuck with an "active issue" with absolutely zero explanation. The complete lack of transparency from PA UC is maddening! This thread has been incredibly helpful though - finally getting real advice from people who've actually been through this instead of the useless official website. I'm definitely going to try that 7:59 AM calling strategy since I've had zero luck during regular hours. Also planning to contact my state representative's office after seeing the success stories here. @Nora Bennett - huge congrats on finally getting through and finding out about the employer contest! That gives me hope that persistence really pays off. I'm going to start keeping a detailed log of all my attempts and get my employment documentation organized so I'm ready when I eventually get through. The waiting while bills pile up is brutal, but seeing everyone's eventual success stories helps me stay hopeful that this broken system will eventually work itself out!
I completely understand your frustration - three weeks of waiting with zero explanation is incredibly stressful! This thread has been such a goldmine of practical advice from people who've actually navigated this broken system. The 7:59 AM calling strategy really seems to be the most consistent way people are breaking through based on all these success stories. I'd also recommend checking your physical mailbox religiously - I've seen several mentions here that some critical notices only come via regular postal mail, not through the online portal. When you do eventually get through (and you will!), having all your documentation ready - termination letters, final paystubs, any severance info - will help speed up the process. Keep filing those weekly claims no matter what so you don't lose eligible weeks once this gets sorted! The waiting is absolutely brutal when bills are mounting, but seeing story after story of people eventually getting their back pay gives me confidence that legitimate claims do get resolved. Hang in there!
Liam Fitzgerald
Congrats on finally getting approved! That 7-week wait sounds absolutely brutal. I went through something similar about 6 months ago - got approved on a Thursday and my direct deposit hit the following Tuesday (3 business days). Since you got approved Friday, you should see something by Wednesday or Thursday at the latest. The lump sum for all your back weeks is going to feel amazing after surviving on credit cards! Just keep checking that Payment History section in your dashboard and make sure to stay current with your weekly certifications and work searches while you wait. You've made it through the worst part - hang in there just a little longer!
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Alejandro Castro
Hey Kolton! First off, congrats on finally getting approved after that nightmare 7-week wait! I can't imagine how stressful that must have been with bills piling up and surviving on credit cards. I went through this exact same situation about 4 months ago and remember that anxious feeling of being SO close to relief but still waiting for the actual money to show up. In my case, I got approved on a Monday and the payment hit my account Wednesday morning (2 business days via direct deposit). Since you got approved Friday, I'd expect to see something by Tuesday or Wednesday at the latest. The great news is that all 7 weeks of back pay should come as one beautiful lump sum - after what you've been through, that's going to feel incredible! Keep obsessively checking that Payment History section in your dashboard (we've all been there!) and make sure your banking info is exactly correct in the system. Also definitely keep up with those weekly certifications and work search activities while you wait - you're so close, don't let anything mess it up now! You've survived the absolute worst part of this whole process. Just a few more days and you'll finally have that relief you've been fighting for!
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