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Hey there! I know this thread is pretty comprehensive already, but I wanted to share my perspective as someone who just went through this exact situation a few months ago. Got laid off from my electrical work in November and had the same 401k worries. Everyone here is absolutely right - your untouched 401k won't affect your PA UC benefits at all. I actually brought all my paperwork to a free tax prep clinic at the library and they confirmed the same thing. The 401k contributions on your W-2 are just showing what was deducted from your paychecks while you were working, not new income. What really helped me was keeping a simple rule in mind: if money didn't actually hit your bank account or come to you as cash/check during a claim week, you don't report it on your biweekly filing. Your 401k balance going up or down with the market isn't money in your pocket. Hope you get back to work soon - the construction and trades are picking up again with the warmer weather coming! In the meantime, at least you can cross this worry off your list.
That's such a helpful way to think about it - if it didn't hit your bank account, don't report it! I really like that simple rule. The free tax prep clinic idea is brilliant too, I didn't even think about that resource. Thanks for sharing your experience with electrical work - it's encouraging to hear from someone in the trades who just went through this recently. You're right about work picking up with warmer weather, I'm already getting some calls for spring projects so hopefully I'll be back to full employment soon. Really appreciate everyone in this community taking the time to help out!
Just wanted to jump in here as someone who works in HR and deals with unemployment questions pretty regularly. Everyone's absolutely right that your untouched 401k won't affect your PA UC benefits - I've helped several employees through this same concern when they've been laid off. The key distinction is between "assets" (like your 401k balance) and "income" (money you actually receive). PA unemployment only cares about reportable income during your claim weeks, not the value of retirement accounts or other investments you're not touching. Since you mentioned being confused by the tax forms - when you see your 401k info on your W-2, that's showing pre-tax contributions that were already deducted from your wages during the base period they used to calculate your UC benefit rate. It's not additional income to worry about now. You're smart to leave it alone until April and then roll it over. Cashing out would create taxable income AND trigger early withdrawal penalties if you're under 59½. Plus any withdrawal while on UC would need to be reported and could reduce your weekly benefits. Hope this helps ease your stress - unemployment is tough enough without worrying about things that aren't actually problems!
Thanks so much Micah! Having an HR perspective on this really helps confirm what everyone else has been saying. The distinction between "assets" vs "income" makes it crystal clear - I was definitely overthinking this whole situation. It's reassuring to know that even from a professional standpoint, this is a pretty straightforward issue. I feel so much better about my upcoming tax filing now, and I definitely won't be touching that 401k early with all those penalties waiting! Really appreciate you taking the time to break it down from the employer side of things.
This is exactly what happened to me last month! I was so stressed thinking I was doing something wrong. For anyone still confused about this - here's what I learned: when CareerLink sends you to external sites like Indeed or company career pages, those applications don't automatically sync back. You HAVE to go into your JobGateway account and manually add each one under "Job Search Activities." I now do this immediately after each application while I still remember the details. Also pro tip - take screenshots of your application confirmations because some sites delete that info after a few weeks, and you might need proof later if UC audits your work search. The whole system is unnecessarily confusing but at least once you know the process it's manageable.
This is so helpful! I'm new to unemployment and was completely lost about this whole process. Just went through and added all my applications from this week - had no idea the external site applications didn't sync back automatically. It's honestly ridiculous that they don't explain this anywhere obvious. I was literally about to stop applying through CareerLink because I thought it was broken! Taking screenshots of confirmations is genius advice too, definitely doing that going forward. Thanks for breaking it down so clearly!
I'm going through this exact same situation right now! Applied to 8 jobs this week through external sites after clicking from CareerLink and was absolutely panicking when my dashboard showed zero applications. This thread is a lifesaver - I had no clue about manually adding activities in JobGateway. Just spent the last hour going back and logging everything. It's honestly infuriating that PA UC doesn't make this process clear anywhere - like why wouldn't there be a big warning when you get redirected saying "Remember to manually log this application when you return"? I was genuinely worried I'd lose my benefits even though I've been job hunting constantly. Thanks to everyone who shared their experiences and tips about keeping records - definitely going to start taking screenshots of every confirmation page now. This community is more helpful than any official UC documentation I've found!
I'm in almost the exact same situation as you! Just got fired yesterday from my distribution center job for hitting 9 attendance points when their limit was 7. Most of my absences were legitimate too - had COVID twice (with positive tests), my daughter was in the hospital for a week, and my car transmission died. I've been reading through all these responses and it's giving me so much hope that we might actually qualify for UC benefits despite being fired for attendance. It sounds like PA really does look at whether you had "good cause" for your absences rather than just the policy violation. I'm going to start gathering all my documentation today - COVID test results, hospital records, repair estimates, and all my text messages to my supervisor showing I followed proper call-off procedures. Thanks for posting this question because I was too scared to ask myself! Reading everyone's success stories has convinced me to apply this week. We've got this!
@Ella Cofer wow, your situation sounds incredibly stressful but you definitely have strong documentation! Having COVID twice with positive tests and your daughter being hospitalized are exactly the kind of circumstances that PA UC considers good "cause -" those are completely beyond your control and you have medical proof. The fact that you followed proper call-off procedures and have text messages showing you notified your supervisor is going to really help your case too. It s'been so encouraging to see all the success stories in this thread from people who thought they wouldn t'qualify but ended up getting approved. Your documentation sounds even stronger than some of the people who got approved! Definitely apply this week and don t'let an initial denial discourage you if it happens - from what everyone s'saying, the appeal process really works for legitimate cases like yours. Keep us posted on how it goes!
I went through almost the exact same thing about a year ago - got fired from my warehouse job for attendance points (had 9, company limit was 7) but most of my absences were for legitimate reasons like car trouble, family emergencies, and illness. I was terrified to apply for UC because I thought being fired for policy violation meant automatic denial, but I ended up getting approved! The key is that PA UC looks at whether you had "good cause" for your absences, not just whether you technically broke company policy. What really helped my case was having documentation for everything - repair receipts, doctor's notes, text screenshots showing I properly notified my supervisor each time. Even though I had received warnings, the UC examiner said that didn't matter since my absences were due to circumstances beyond my control. Your situation sounds very strong with documented reasons and proper call-off procedures. Definitely apply ASAP and include all your documentation with the initial claim. If you get denied initially (which happens to lots of people), don't panic - appeal it immediately. The system can be frustrating but it does work when you have legitimate reasons like yours. You've got this!
@Zara Ahmed your success story is so encouraging! It s'really reassuring to hear from someone who had 9 points vs a 7 limit and still got approved - that gives me so much confidence since my situation is very similar. I love how you emphasized that PA UC looks at good "cause rather" than just policy violations, and that having documentation and following proper procedures really made the difference. The fact that warnings didn t'matter when your absences were due to circumstances beyond your control is huge for me to know. I m'definitely going to apply this week and include all my documentation with the initial claim like you suggested. Thanks for the encouragement and for sharing your experience - it really helps to know that the system does work for people with legitimate reasons!
As a newcomer to both this community and the PA UC system, I want to thank everyone for sharing such detailed and helpful experiences! This thread has been incredibly valuable for understanding not just the official rules, but how things actually work in practice. I'm in a very similar situation - recently laid off and worried about navigating the salary threshold requirements while trying to find suitable employment. The 80% rule during the first 13 weeks gives me some reassurance, but all the documentation and tracking advice from @NeonNinja, @Sebastian Scott, @Sofia Perez, and @Amy Fleming is what really helps me feel prepared. I'm particularly grateful for the practical tips like creating budget breakdowns to show genuine hardship, tracking total compensation packages (not just base salary), and the reminder that negotiation attempts are viewed favorably by UC. The spreadsheet tracking system seems essential - I'm setting one up today. One question I have is about timing - if I'm still waiting for my initial claim to be approved, should I be documenting job search activities and potential offers now, or only after my claim is officially active? I want to make sure I'm not missing any important steps while my application is under review. Thanks again to everyone who has shared their experiences. It's communities like this that make navigating these challenging systems so much more manageable!
Welcome to the community @Aria Khan! Great question about timing - you should absolutely start documenting everything now, even while your claim is under review. PA UC requires work search activities beginning the week after you file your initial claim, regardless of whether it's been approved yet. So if you filed last week, you should already be conducting and tracking your job search activities. The documentation is crucial because once your claim is approved, you'll need to certify for benefits retroactively, and they'll ask about all your work search activities during that entire period. Better to have everything tracked from day one than scramble to remember details later. I'd recommend starting that spreadsheet immediately with columns for: date, company, position, type of activity (application, interview, networking, etc.), salary range discussed (if any), and outcome. Even preliminary research and phone screenings should be logged - as @Sofia Perez mentioned, employers sometimes report interactions even at early stages. Also keep tracking any job offers or potential offers that come up during this review period. The 80% rule and documentation requirements apply regardless of your claim status, so you want to be prepared if anything develops while you re'waiting for approval. The community here has been amazing for navigating these complexities - definitely keep asking questions as they come up! Good luck with both your claim approval and job search.
As someone who just went through this exact situation a few months ago, I want to reassure you that the 80% rule is real and enforceable when properly documented. I declined two offers that were 72% and 76% of my previous salary during my first 8 weeks of unemployment, and UC accepted both decisions without any issues. The key is being proactive about documentation from day one. I kept a detailed log that included not just the salary percentage, but also commute costs, benefits comparison, and any significant differences in job responsibilities. When UC did follow up on one declined offer (about 4 weeks after I reported it), I was able to provide comprehensive documentation that clearly showed why the position wasn't suitable. One thing I learned is that UC appreciates when you show you're being strategic rather than just dismissive. For example, I always attempted to negotiate first before declining - even when I knew the salary was too low. This demonstrated good faith effort to make unsuitable work suitable, which UC views favorably. Also, don't let the stories about people having benefits cut discourage you too much. Those situations usually involve people who either didn't document properly, declined offers above the threshold, or weren't honest on their certifications. If you follow the guidelines and keep thorough records, you should be fine. The job market is tough right now, but having UC benefits gives you the breathing room to find something truly suitable rather than jumping at the first lowball offer. Use that time strategically and document everything!
Thank you so much @Zainab Ali for sharing your experience! It s'really reassuring to hear from someone who actually went through this process successfully with documented declined offers. Your point about being strategic rather than dismissive really resonates - the negotiation attempt before declining is such a smart approach that I hadn t'fully considered. The 4-week timeline for UC follow-up is helpful to know too. It sounds like having that comprehensive documentation ready made all the difference when they did investigate. I m'definitely going to implement the detailed logging system you and others have described, including the commute costs and benefits comparison angles. Your reminder about using UC benefits strategically as breathing room is exactly the perspective I needed. It s'easy to get anxious and feel like I should just take any offer, but you re'right that this is an opportunity to find something truly suitable rather than settling for a significant pay cut that could hurt me long-term. Thanks for the encouragement about not being discouraged by the horror stories. It sounds like most of the problems people face come from not following the proper documentation procedures rather than the system being fundamentally unfair. I feel much more confident about navigating this process now with all the practical advice from this community!
Beth Ford
UPDATE: I finally got through! I followed the advice to try after midnight and it worked perfectly at 12:30am. For anyone else having this issue, definitely try during off-hours. Thanks everyone for your help and suggestions!
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Morita Montoya
•Glad it worked! Their systems always run better when most of Pennsylvania is sleeping. I've learned to do all my UC stuff between 11pm-5am if possible. Bookmark this thread for next time the site inevitably crashes again!
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StarGazer101
Same thing happened to me last week! The PA UC system seems to have these random outages pretty regularly. I've found that if you're getting the spinning/timeout issue, sometimes refreshing the page and starting over works better than trying to hit submit again. Also, make sure you're not using any browser extensions that might interfere with the submission process - I had to disable my ad blocker to get mine to go through. The late night trick definitely works too, but I know it's frustrating when you just want to get it done during normal hours!
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Amara Torres
•Great tip about the browser extensions! I never would have thought of that. I'm still pretty new to dealing with unemployment stuff and all these little technical issues are so stressful when you're already worried about money. Do you remember which extensions specifically caused problems? I have a few running that I'd rather not disable if I don't have to.
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