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Just went through this same process last month! Can confirm what others are saying - TWC sends the debit card automatically within about a week of filing, totally separate from claim approval. Mine took exactly 8 business days to arrive. Pro tip: download the US Bank ReliaCard app as soon as you get the card so you can track your balance and avoid ATM fees at certain locations. Also, if you're planning to use direct deposit instead, you can switch that in your TWC account even after requesting the card.
Thanks for the tip about the ReliaCard app! I had no idea you could track ATM fees through it. Just filed my claim yesterday so I'll be watching for that plain envelope from US Bank in the next week or so. Really helpful to know I can still switch to direct deposit later if I change my mind about the card.
Just wanted to add my experience - I filed my claim 2 weeks ago and got the debit card last Friday (so about 9 business days). Like everyone said, it came in a totally plain white envelope from US Bank that I almost missed. My claim is still under review but at least I have the card ready to go when it gets approved. One thing I noticed is that you can create your US Bank ReliaCard online account even before you get any money on it, which is nice for tracking purposes.
That's really good to know about being able to set up the online account early! I'm still waiting for my card (filed about 5 days ago) but I'll definitely do that once it arrives. Did you have any trouble activating it or was it pretty straightforward? Also wondering if there are any specific ATMs I should look for to avoid fees once I start using it.
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I went through this exact same situation last month! The "under review" message disappeared on a Wednesday and I was panicking just like you. Turns out I got my approval letter the following Monday (so 5 business days later). What really helped my anxiety was setting specific times to check the portal instead of constantly refreshing - I checked once in the morning and once in the evening. Also, make sure you're checking both your correspondence inbox AND your payment history tab, because sometimes one updates before the other. The waiting is absolutely brutal when you have bills due, but from everything I've seen in this community, the message disappearing is usually a positive sign that they've finished their review. Keep requesting your payments as scheduled and hang in there - you should have an answer very soon!
This is really helpful advice! I think I need to stop the constant refreshing - it's making me more anxious and isn't going to speed up the process anyway. Setting specific check times is a great idea. I've been checking my correspondence inbox but didn't think to look at the payment history tab too, so I'll start monitoring both. Thanks for sharing your timeline - 5 business days isn't too bad when you know what to expect. It's reassuring to hear from someone who went through the exact same thing recently!
I'm currently dealing with this exact situation too! My "under review" message disappeared yesterday and I've been nervously checking my account every hour since then. Reading through everyone's experiences here has been incredibly reassuring - it sounds like the disappearance of that message is generally a good sign that they've completed their review process. I'm trying to follow the advice about checking at set times instead of constantly refreshing, but it's so hard when you're stressed about finances! I've been keeping up with my payment requests and work search requirements just in case. For those who got approved after their message disappeared, did you notice any other changes in your account before getting the official letter? Like changes to your benefit year information or payment status? Hoping we all get positive news soon!
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I'm currently dealing with this exact same situation! My part-time employer at a small boutique has been ignoring TWC's verification emails for 8 days now, and I'm getting really anxious about hitting that 14-day deadline. Reading through everyone's experiences here has been incredibly reassuring though - I had no idea that TWC would still make a determination even if employers don't respond, and that back payments come through once it's resolved. I'm definitely going to try the approach that several people mentioned about printing out the actual verification form and showing it to my manager in person, along with explaining that this is just routine confirmation of wages I've already been reporting. It's so frustrating how many small business owners seem to think these are spam or some kind of investigation! I'm also going to create that one-page summary document that Zara suggested - having everything laid out clearly in writing seems like it would be much more effective than trying to explain it during busy work hours. Thanks everyone for sharing your experiences and advice!
You're definitely on the right track with all those strategies! I went through this same situation about 3 months ago and it's so stressful when you're watching that 14-day countdown. The combination approach really works - I printed the verification form, created a simple summary sheet, and scheduled a specific time to sit down with my manager when the store wasn't busy. What really sealed the deal was showing her on the TWC website that this was a standard process that happens to thousands of claims every month. Once she realized it wasn't singling out our business specifically, she was much more comfortable responding. Hang in there - from everything I've read in this thread, it sounds like most people get their back payments within a week or two once it's resolved. The waiting is the hardest part but you're being super proactive about it!
I'm dealing with this exact same issue right now! My part-time employer at a small cafe has been ignoring TWC's verification request for about a week. What's really helped me understand the situation better is reading through all these responses - I had no idea that TWC would still make a determination even if the employer doesn't respond within 14 days. I'm planning to try the approach several people mentioned about printing out the actual verification form and walking through it with my manager in person. It sounds like many small business owners get nervous because they think it's some kind of audit or investigation, when really it's just routine confirmation of wages we've already been reporting. I'm also going to emphasize that TWC already has all my wage information from my bi-weekly reports - they just need her to verify it matches her records. Hopefully framing it as collaboration rather than investigation will help. Thanks everyone for sharing your experiences - it's reassuring to know this gets resolved eventually and that back payments come through!
You're absolutely right about framing it as collaboration rather than investigation - that seems to be the key insight from everyone's experiences here! I'm in a very similar situation (day 10 of waiting for my restaurant manager to respond), and I've learned so much from this thread. The approach of showing them the actual form and explaining that TWC already has all our information really does seem to work. What I found helpful was also mentioning to my boss that this happens to thousands of part-time workers every month - it's not something unusual or suspicious about our specific situation. Good luck with your cafe manager! It sounds like once they understand what's actually being asked, most employers respond pretty quickly.
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I can't believe I'm just finding this thread now! I've been dealing with this exact same issue for the past 6 days and have been going absolutely crazy thinking something was wrong with my TWC account. Like everyone else here, I've been obsessively refreshing my online correspondence inbox expecting that access code to magically appear. Gil's information about the code coming via USPS mail is absolutely mind-blowing - this explains EVERYTHING! No wonder thousands of us have been so confused and frustrated. TWC's email makes it sound like you'll find the code in your online account, but it's actually coming by regular mail. This is such a critical piece of information that should be front and center in their verification emails. I'm definitely going to check out my local TWC office about that direct phone line. After spending countless hours getting busy signals on the main number, the idea of walking into an office and using a direct line sounds amazing. For those asking about timing - I got my initial ID.me verification email last Wednesday, so I'm really hoping my access code shows up in this week's mail. At least now I know to watch my mailbox instead of my computer screen! This thread should honestly be required reading for anyone dealing with TWC's identity verification. The community knowledge here is way more helpful than anything on TWC's official website. Thank you everyone for sharing your experiences - you've probably saved my sanity!
I'm in the exact same boat! Got my verification email 4 days ago and have been refreshing my TWC account like crazy thinking their system was glitched. Gil's revelation about the mail delivery is such a relief - I was starting to think I was doing something wrong or my account had issues. The timing you mentioned is really helpful too. If you got your email last Wednesday and are expecting it this week, that gives me hope mine might show up soon since I got mine on Saturday. I'm definitely going to stop obsessively checking my online account now that I know where to actually look! Has anyone confirmed whether the direct phone setup exists at other TWC offices besides Round Rock? I'm in the Houston area and would love to try that approach if my code doesn't arrive by mail in the next day or two. This whole process would be so much less stressful if TWC just explained things clearly from the start!
This has been such an enlightening thread! I'm dealing with this exact same situation right now - got my ID.me verification email 3 days ago and have been frantically checking my TWC online account every few hours expecting the access code to appear there. Gil's information about it coming via USPS mail is absolutely game-changing and explains why so many of us have been going in circles! I had no idea about the direct phone lines at TWC offices either. That's such valuable insider knowledge! I'm definitely going to call my local TWC office tomorrow to see if they have this setup. After getting nothing but busy signals for days on the main line, the idea of actually speaking to someone sounds like a miracle. The format example Gil provided (YKT2-294B-FENR-T4BE) is super helpful too - at least now I know what to look for when checking my mail. I'm really hoping mine arrives in the next couple days since I got my initial email on Monday. TWC really needs to make this mail delivery process crystal clear in their verification emails instead of leaving everyone to figure it out through community forums like this. This thread contains more useful information than their entire help section! Thanks everyone for sharing your experiences - you've saved me from days of additional stress and confusion.
Natasha Ivanova
Just want to add that you should also check if your contract employer paid into the unemployment insurance system. Some contractors work as 1099 independent contractors, which means they wouldn't be eligible for regular unemployment benefits. However, if you were classified as a W-2 employee (even on contract), then you should be covered. You can verify this by checking if unemployment taxes were deducted from your paychecks. If you were misclassified as a 1099 when you should have been W-2, that's a separate issue you might need to address with TWC. Also, keep copies of everything you submit - emails, letters, forms. TWC's system can be glitchy and documents sometimes get lost in their system.
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Rita Jacobs
•This is such an important point that I almost overlooked! I just checked and yes, I was W-2 with taxes withheld including unemployment insurance, so that's a relief. I definitely want to keep copies of everything - that's great advice about their system being glitchy. I'm going to create a folder specifically for all my unemployment documentation. Thanks for mentioning the misclassification issue too, that could have been a real problem if I hadn't verified my employment status first.
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Cole Roush
Just wanted to share my recent experience since I was in a very similar situation! My 8-month contract ended in December due to company restructuring, and I was approved for benefits within 3 weeks. A few key things that helped me: 1) I made sure my employer's separation letter specifically mentioned "elimination of position due to budget constraints" rather than just "end of contract," 2) I applied online the Sunday after my last work day, and 3) I kept detailed records of all my work search activities from day one. The hardest part was actually getting through to TWC when I had questions - definitely recommend calling early in the morning or late in the day for better chances. Also, don't stress too much about the application process itself - it's pretty straightforward once you have all your employment history and earnings information ready. You've got this!
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Freya Pedersen
•Thank you for sharing your experience, Cole! It's really encouraging to hear from someone who went through the same thing successfully. I'm definitely going to use your wording suggestion about "elimination of position due to budget constraints" - that sounds much clearer than just saying the contract ended. Quick question: when you say you kept detailed records of work search activities from day one, did you start doing that immediately after filing or even before you were approved? I want to make sure I'm staying compliant with all the requirements right from the start.
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