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TWC payment email received but still no direct deposit - normal wait time?

I finally got that TWC email saying 'payments have been processed and released' yesterday morning, but still nothing in my bank account. This is my first time on unemployment and I'm getting kinda anxious because rent is due Friday. For those who've been through this before - how long did it take for the money to actually hit your account after getting that email? Is there a standard timeline I should expect? My payment request was approved on Monday if that matters.

UPDATE: The money just landed in my account this morning! So that was about 48 hours after the email. Thanks everyone for your help and keeping me from panicking!

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awesome! glad it worked out. now u know for next time ๐Ÿ‘

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So glad to hear it came through! That 48-hour timeline is pretty typical for Chase. Thanks for updating us - it's really helpful for other folks who might be in the same boat and stressing about their first payment.

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Great to see it worked out for you! This is exactly why I always tell people not to panic until at least day 3. The TWC system can be stressful when you're new to it, but once you go through it a few times you get used to the timing. For future reference, if you ever need to contact TWC and can't get through on the phone, that Claimyr service someone mentioned is legit - saved me hours of frustration when I had an issue with my claim status last year.

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Can you apply for TWC benefits 5 months after being laid off?

My brother-in-law lost his job back in January after working at a manufacturing plant for 3+ years. He's been living off savings but now running low on funds. He just told me he never applied for unemployment this whole time because he thought he'd find work quickly! Can he still file for TWC benefits now in June, or is it too late? He was officially laid off (has termination paperwork) and definitely qualifies otherwise. Anyone know if there's a hard deadline or if he can still get benefits retroactively for the past 5 months? Really worried about him as he's burning through his last bit of savings.

Thanks everyone for the advice! I've told him to apply immediately and be honest about why he waited. He's going to try calling TWC tomorrow and explain his situation, then submit his application online. I'll update here if we find out anything that might help others in the same situation.

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Good luck! Just be prepared that calling might take DAYS of attempts. Make sure he has his employment documents ready - especially his termination notice and anything showing the exact date he was laid off. The more documentation he has, the better!

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Your brother-in-law should definitely still apply! I work at a Workforce Solutions office and see this situation fairly regularly. While he likely won't get the full 5 months of backpay due to the good cause requirements, he should still be eligible for benefits going forward. The key is to apply TODAY - every day he waits is another potential benefit week lost forever. When he applies, he'll be asked about the delay and should be honest about his reasoning. Even though "thinking he'd find work quickly" isn't typically considered good cause, stranger things have happened and each case is reviewed individually. At minimum, he'll preserve his eligibility for future weeks while unemployed. Also make sure he has his separation paperwork ready - the exact layoff date will be important for his claim.

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TWC benefits but no Social Security payments showing up - possible mistake?

I've been receiving my TWC unemployment benefits for about 6 weeks now (thank goodness!), but I realized I'm not seeing any Social Security contributions on my account when I checked online. I thought unemployment benefits should still count toward Social Security earnings? I worked for 12 years at my previous job before getting laid off in February, and I'm worried about this gap in my Social Security record. Has anyone else noticed this? Do I need to contact TWC about it, or is this normal? Just trying to make sure I'm not losing out on future retirement benefits while I'm between jobs.

this belongs in a social security forum not unemployment lol

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Fair point, but I thought people here might have experience with how TWC benefits specifically interact with Social Security. Seems like I was right since I got some helpful answers!

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I went through this same panic when I first started collecting unemployment last year! It's definitely confusing because you think "benefit = earnings" but that's not how Social Security works. What helped me feel better was logging into my SSA.gov account and seeing that all my previous work credits were still there - unemployment doesn't erase what you've already earned. One thing to keep in mind is that if you do any freelance or gig work while on partial unemployment (which TWC allows up to your weekly benefit amount), THAT income would count toward Social Security if you pay the self-employment taxes on it. So there are still ways to earn credits even while collecting benefits. Good luck with your job search!

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TWC workforce specialist called about career training - is attendance mandatory?

I got a call yesterday from a TWC workforce specialist asking if I wanted to participate in some career training program. I explained that I already have an established trade (HVAC technician with 6 years experience) and have been actively applying to positions all across Houston. I've also completed several technical skills assessments through WorkInTexas.com as required. The specialist was kind of pushy about the training opportunity, which made me nervous. Am I actually REQUIRED to attend career training to keep receiving my unemployment benefits? I don't want to waste time in a classroom learning skills I already have when I could be interviewing and finding actual work. Has anyone else gotten these calls? What happens if I decline?

I DID take one of their training programs last month for basic accounting and it was actually pretty good! The instructor was knowledgeable and they provided certifications that look decent on a resume. So while you're definitely not required to go, they're not all bad if you actually want to learn something new. Just depends on your situation I guess.

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That's good to know! If my job search drags on for a few more months, maybe I'll consider adding some complementary skills. Did they have any business management courses for trades? That might actually be useful for eventually starting my own HVAC business.

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They had a small business essentials class that covered basic accounting, marketing and management stuff. Might be worth asking about if you're thinking of going independent eventually!

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I'm in a similar situation - got laid off from my manufacturing job 3 weeks ago and already had two of these "training opportunity" calls. The first specialist was pretty aggressive about enrolling me in some welding certification program, even though I've been welding for 8 years and have multiple certs already. What bothered me most was how they made it sound like I was missing out on some amazing opportunity that might not be available later. Classic sales pressure tactics! I politely declined and explained my experience level, but she kept pushing for like 10 minutes. Good to see everyone confirming these are totally optional. I'm sticking to my job search strategy and keeping detailed records like others suggested. Thanks for posting this question - clearly a lot of us are dealing with the same thing!

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TWC account locked for suspected fraud - need advice before Tuesday payment request deadline

Freaking out a little - my TWC unemployment account got locked yesterday because of 'suspected fraud' (I did NOTHING wrong!). I called the fraud department immediately and after waiting on hold for 2 hours, they just took my info and said someone would call me back within 24-48 hours. It's been almost 2 days with zero contact. I'm supposed to file my payment request by Tuesday and I'm worried I'll miss it and lose benefits. Has anyone dealt with this? What are my options if they don't call back? Can I still request payment even if my account is locked? This is my first time on unemployment and I really need this money for rent.

When my account was locked for suspected fraud, I discovered that it was because someone had attempted to access my account from an unrecognized device in another state. The fraud department needs to verify your identity before they can unlock your account. Here's what I recommend: 1. If you can't reach them by phone, try going to your local Workforce Solutions office in person with your identification documents (driver's license, social security card, etc.) 2. Even with your account locked, document the dates you would have requested payment - you'll need this information for backdating 3. Once your account is unlocked, you'll need to submit a Payment Request Revision through your online portal under the "Payment Request" section 4. You might also need to complete a new ID.me verification even after your account is unlocked Don't worry about missing Tuesday's deadline as long as you're actively trying to resolve this. TWC has procedures for these situations.

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Omar Zaki

Author

Thank you so much for the detailed information! I didn't know about the Payment Request Revision option. I'm going to try calling early tomorrow, and if that doesn't work, I'll go to the local office. Really appreciate everyone's help!

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I went through this exact same situation about 3 months ago and it's incredibly stressful, but you will get through it! A few additional tips that helped me: - Try calling the fraud line at different times throughout the day, not just first thing in the morning. I actually got through around 2pm on a Wednesday when everyone else was probably calling early - Keep a log of every call you make (time, date, how long you waited) - this documentation helped when I finally spoke to someone - If you do miss Tuesday's deadline, don't panic. When you get your account unlocked, tell them immediately that you tried to file but couldn't due to the fraud lock. They have a process for this and I got all my missed payments - Make sure you're ready with ALL your documents when you do get through - ID, social security card, and any employment records they might ask for The whole thing took me about 10 days to resolve, but I did get every penny I was owed. The system is frustrating but they do make it right eventually. Hang in there!

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