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Jamal Brown

PA UC benefits for self-employed partner in FL business - any options?

My buddy just had to close down his pressure washing business that's structured as a 50/50 partnership. He lives in PA but his business partner lives in Florida and their LLC is registered and operates 100% in Florida. He's freaking out about income and wondering if he qualifies for any PA unemployment benefits even though the business was in Florida? Or does he have to apply in Florida? He's got a mortgage and two kids in college so he's desperate to figure this out fast. Anyone dealt with this cross-state self-employment situation before? Thanks for any advice!

Mei Zhang

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Unfortunately, your friend is likely in a tough spot. Generally, self-employed individuals (including partners in a business) aren't eligible for regular UC benefits in Pennsylvania. The state where the business operates (Florida) is typically where any wage credits would be established, but since he's self-employed, that's mostly irrelevant. He should still contact the PA UC office to confirm, but he should prepare for the possibility that he won't qualify for traditional unemployment. He might want to look into: 1. Self-Employment Assistance programs (if PA offers one) 2. Small Business Administration resources for closed businesses 3. Workforce development programs in PA

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Jamal Brown

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Thanks for the quick response. That's what I was afraid of. He mentioned something about possibly qualifying for some special program for business owners, but it sounds like that might not be a thing? I'll tell him to call PA UC to double check, but I'm not getting my hopes up. The SBA suggestion is good - I'll pass that along.

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has he actually tried filing a claim yet? I went thru something kinda similar when my consulting business tanked in 2023. The UC website was super confusing about self-employed ppl but i called and a rep helped me figure out my options. It took FOREVERRR to get through tho. Literally called like 50+ times

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This is why I ended up using Claimyr when I needed to reach the PA UC office about my situation last month. After trying for days to get through, I found their service at claimyr.com and they got me connected to an agent in under an hour. They have a video that shows how it works: https://youtu.be/CEPETxZdo9E?si=WL1ZzVZWG3KiHrg2 Saved me so much frustration, especially since my situation was complicated and I needed to actually speak with someone who could look at my specific details. For a complex situation like your friend's with the Florida/PA issues, actually talking to an agent is probably the only way he'll get a clear answer.

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CosmicCaptain

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I think most people don't kno that self employed people USUALLY dont qualify for unemployment benefits in most states!!! I found this out the hard way when my Etsy shop failed in 2024 and I couldn't get any help. So annoying!!!

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Yep ur right. I ran a food truck for 3 yrs and when I had to close down the UC office basically laughed at me. Said I should have been paying unemployment insurance on myself which makes NO SENSE. The whole system is designed for W2 employees not entrepreneurs taking risks to build something. It's BS honestly.

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The key question is whether your friend ever paid into the UC system through this business partnership. In PA, the general rule is that business owners/partners don't qualify for UC benefits because they don't pay UC taxes on their earnings (they're not employees). However, there are a few exceptions worth exploring: 1. If the partnership was structured in a way that he received W-2 wages (some partnerships do this), he might qualify based on those wages. 2. If he had other W-2 employment during his base year period (roughly the 15 months before applying), he might qualify based on those earnings, even if the self-employment doesn't count. 3. During the pandemic, there were special programs for self-employed individuals (PUA), but those have ended and were specific to COVID impacts. His best bet is to contact the PA UC office directly to discuss his specific situation. The state where he resides (PA) would be where he applies, not where the business operated (FL).

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Jamal Brown

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This is super helpful, thank you! He did have a part-time W2 job back in 2023 for about 4 months, but I'm not sure if that's recent enough to count in the base year period you mentioned. I'll definitely tell him to ask about that when he calls PA UC. Really appreciate the detailed explanation.

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i went thru this exact thing in 2020 when covid hit but back then they had PUA for self employed ppl. that program ended tho so now ur friend is probably outta luck tbh

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Jamal Brown

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Yeah, he mentioned hearing something about a COVID program but wasn't sure if it was still around. Sounds like that's no longer an option. Thanks for confirming.

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CosmicCaptain

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wait what about that program for Disaster Unemployment Assistance? i think that covers self employed sometimes

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Mei Zhang

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Disaster Unemployment Assistance (DUA) is only available when there's a federally declared disaster that prevents people from working. It's not available for business closures due to economic reasons or partnership dissolutions. Unfortunately, that wouldn't apply in this situation unless there was a specific disaster that caused the business to close.

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Update on my earlier comment: I just checked the PA UC rules again, and your friend should definitely file a claim even if he thinks he might be ineligible. Here's why: 1. The process will determine definitively if he qualifies rather than guessing 2. If he had ANY W-2 income in the base period, he might qualify for at least partial benefits 3. There's no penalty for applying and being denied 4. Sometimes unique situations (like cross-state partnerships) have exceptions He'll need to be prepared to submit documentation about the partnership dissolution, any prior W-2 employment, and possibly proof of PA residency. If denied, he'll receive a written determination explaining why, which is valuable information for exploring other assistance options.

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Jamal Brown

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Oh that's really good advice - thanks! I'll tell him to just go ahead and apply instead of trying to figure it all out beforehand. Worst case is they just say no, right? I appreciate you following up with this update.

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def agree with everyone saying JUST APPLY!! let them tell u no instead of assuming. and when you call make sure to ask specifically about any special programs for self-employed ppl. sometimes the first person u talk to doesnt know everything

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Tell ur friend to look into CareerLink services too if he's in PA. When I got denied UC they referred me there and I got help with job training and resume stuff. Not cash benefits but at least something.

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Jamal Brown

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Thanks for the suggestion! I'll definitely pass that along. He's been in this business for almost 15 years so his resume probably needs some serious updating. Any help with job hunting would be useful for him right now.

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