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My husband had an overpayment last year too. His check took about 3 weeks to process actually. Something to keep in mind is that their online system doesn't always update immediately even when they do process the payment. We had a similar panic moment! Maybe check if they offer any payment methods besides check for future reference - I think direct payments through their portal might process faster.
ALSO did you know that TWC sometimes applies overpayments to TAX REFUNDS??? My cousin didn't pay his overpayment and they just took it out of his tax refund last year!!! They don't even tell you they're doing it!!!
This is actually correct - TWC can and does use the Treasury Offset Program (TOP) to recover unpaid overpayments through tax refund interception. However, they are required to send multiple notices before doing this, and it generally only happens with overpayments that are significantly delinquent (usually 90+ days past due). It's one of several collection methods they can use for unresolved overpayments, which is why it's always best to address them promptly as the original poster is doing.
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dude everyones saying different things here lol. my roommate got his in 2 days, i got mine in 4. i think it just depends on the TWC computer gods and how theyre feeling that day 🤷♂️
UPDATE: My payment just hit my Chime account!! It took exactly 3 days from request to deposit. I'm so relieved! Thanks everyone for the info and support. For anyone else wondering about timing with Chime: Monday morning request → Thursday morning deposit. And yes, it looks like the 2-day early deposit feature with Chime actually did make a difference!
awesome! glad it worked out! now just make sure you keep up with your work search activities for your next payment request
Great news! Just as a reminder, make sure you're documenting your 3 required work search activities each week. Your next payment request will require you to certify that you've completed them.
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wait do you still have to pay texas income tax on the unemployment if you live in oklahoma now?????
Good question about taxes. You'll pay income taxes based on your resident state (Oklahoma), not based on where the unemployment benefits come from. Texas doesn't have state income tax, but Oklahoma does. You'll need to report your unemployment income on your Oklahoma state tax return. Also, remember that unemployment benefits are subject to federal income tax regardless of which state pays them.
To summarize what everyone has said and add one important point: Yes, file with TWC, but be prepared for a slightly longer processing time for interstate claims. They typically take 3-4 weeks instead of the usual 2-3 weeks for regular claims. This is because TWC has to coordinate with OESC for the interstate aspects of your claim. Also, make sure you have documentation ready showing your move date, as they might request this to verify your situation. Keep records of all communications from both agencies. Lastly, once approved, don't forget to request your payment on your assigned day through the TWC system, not Oklahoma's system. Missing a payment request can cause significant delays.
This is great information, thank you! I do have my lease agreement and updated driver's license that show when I moved, so I'll have those ready. I appreciate everyone's help with this complicated situation!
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So glad I found this thread! I'm on week 4 of waiting for my claim to process and was wondering why I hadn't received anything yet. Now I know to expect a larger first payment once it finally gets approved. The waiting is so stressful though!
Another tip regarding your first payment - if you've selected direct deposit, make sure your banking information is entered correctly. If there's any error, it will default to a TWC debit card which can take an additional 7-10 days to arrive by mail. Double-check your direct deposit details in your TWC account to avoid delays with that first lump sum payment.
Thank you! I'll definitely double check my banking info. The last thing I need is more delays getting that first payment. I really appreciate everyone's help explaining all this!
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One more thing - are you making sure to do your work search activities while waiting? Even with a disaster claim appeal pending, you still need to do the work search requirements (3 per week in Texas) and log them with your payment requests. I've seen people win their appeals but then get disqualified for different weeks because they didn't keep up with work search during the waiting period.
Oh my gosh, thank you for mentioning this. I've been doing some job applications but not consistently documenting 3 per week. I'll make sure to catch up and record everything properly. I'd hate to win the appeal but lose benefits for not doing work search properly!
Just to update you on current timelines - I had another client with a disaster appeal from the January flooding get their hearing date yesterday. They filed their appeal on February 10th, so that's about 38 days to get the hearing scheduled. The actual hearing is set for April 2nd (so another two weeks out). This seems to be the current timeline for most disaster-related appeals right now.
Thank you so much for the update! That gives me a better idea of what to expect. Since I filed on February 12th, I might hear something in the next few days hopefully. Really appreciate the insight from someone who knows the current situation.
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One more tip for your hearing: be extremely respectful and calm with the hearing officer, even if they seem dismissive of your late appeal reason. Appeals examiners have a lot of discretion, and how you present yourself matters. And remember that the hearing is recorded, so avoid interrupting anyone, even if your employer says things you disagree with. Wait your turn to respond. Also, have a quiet place for the call without background noise or distractions. Regarding your actual separation issue - make sure you clarify the difference between a layoff (lack of work) and quitting. If your employer claims you quit, they need to prove you took clear voluntary actions to end employment. If you can show you were informed it was a layoff due to budget cuts, that's strong evidence in your favor.
Thank you for this advice. I'll definitely find a quiet place for the call and stay calm no matter what. I do have texts from my manager specifically mentioning budget cuts and the layoff, so I'll have those ready. Fingers crossed they accept my late appeal reason first though.
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i think everyone has to do the quarterly income verification thing now. my brother had to do that too. anoying but just part of the process i guess
Update: I finally got through this morning! Called right at 7:00 AM like someone suggested. Turns out they needed me to verify some inconsistency between my first payment request (online) and second one (phone). The agent said sometimes the system flags accounts when you switch methods. She also mentioned that they're phasing out the old DUA program and transitioning self-employed people to regular UI with the self-employment option, which might have triggered the additional verification. All sorted now! Thanks everyone for your help.
That's great news! Yes, the program transition has been causing confusion for many self-employed claimants. For anyone else reading this thread with similar issues, make sure you're enrolled in the correct program for 2025. The TWC website has a verification tool under the "Claim Type" section where you can confirm which program you should be using.
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Any update? Did the check show up today??
No check today either! I'm definitely calling TWC first thing tomorrow morning. So stressed about this.
After you get this resolved, make sure to set up direct deposit again through your TWC account. Go to the Payment Option page and select Direct Deposit, then enter your bank info. The system will make you verify your routing and account numbers twice to avoid errors. It typically takes one payment cycle for the direct deposit to activate again. Also, document everything about this situation - dates, names of representatives you speak with, and any confirmation numbers they provide. This documentation will be helpful if there are any issues with the replacement payment.
Thank you so much for the detailed instructions. I've got a notebook ready to document everything tomorrow. I just hope I can get through to someone quickly.
TWC identity verification request after months of benefits - normal or suspicious?
My husband's been on unemployment since October and everything was going smoothly until yesterday. He got an email from TWC saying he needs to verify his identity through ID.me or his benefits will stop! They actually already put his payments on hold until this gets resolved. Is this normal for TWC to suddenly ask for identity verification after someone's been collecting benefits for months without issues? We're happy to do the verification, but it feels weird that they'd wait this long to ask. Has anyone else had this happen? I'm worried it might be some kind of glitch or worse, a scam email (though it came from the official TWC correspondence system). Just wondering if this is standard procedure we somehow missed or if something else is going on? His next payment request is due in 3 days and I'm getting nervous about delays.
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It updated automatically after about 3 days, but I've heard others say they had to call. Probably depends on how backlogged the system is. If it's been more than 4-5 business days after completing ID.me with no change to his account status, then definitely call.
Just wanted to add one important thing: while waiting for the ID verification to process, your husband should STILL submit his payment requests on his regular scheduled days, even though payments will be held. This way, once the verification is complete, TWC can release those held payments without further delay. If he misses his payment request schedule, it creates additional complications.
Oh! That's really important - thank you! His payment request day is Tuesday so we'll make sure he does that regardless of the verification status. I appreciate the tip!
Chloe Harris
have u applied for snap benefits (food stamps)? that could at least help with groceries while ur waiting for disability to kick in
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Ravi Choudhury
•I actually just submitted my SNAP application yesterday! Hoping that comes through quickly.
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Freya Andersen
one more thing - check with ur county veterans service office. they sometimes have emergency funds 4 vets in ur exact situation. helped my buddy last year when he was in between benefits
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Ravi Choudhury
•Thanks for the tip! Will definitely reach out to them tomorrow. At this point I'm looking into every possible option.
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