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I swear the TWC system is DELIBERATELY CONFUSING just to trip people up!!! I had the exact same question last month about my student loan disbursement and spent DAYS trying to figure it out. The payment request just asks "did you work" and "did you earn money" - if it's a LOAN, you didn't EARN it, so logically it shouldn't count! But trying to get a straight answer from TWC is impossible!!
OMG yes! It feels like walking through a minefield sometimes. I've been stressing about this all day.
So this is slightly off-topic but when I was dealing with a reporting question like yours, I found it super helpful to check the TWC Claimant Handbook. They have a PDF version on their website that gets into the details of what counts as income. It specifically talks about reportable earnings being from services performed (aka work). Loans definitely don't qualify as that.
Great suggestion! The Claimant Handbook is definitely a useful resource. To add to this, when you're completing your payment request, TWC specifically asks "Did you work?" and "Did you earn wages?" - receiving a loan doesn't involve working or earning wages, so it wouldn't be reported in your payment request. Keep in mind that while loans aren't reportable for unemployment purposes, different rules may apply for other government programs like SNAP or Medicaid.
Pro tip: call right when they open at 7am! I got through in about 20 minutes when I called at opening time. If you wait until later in the day it's practically impossible.
Any update? Were you able to get through and request your backdated payments? The system can be frustrating but don't give up - you're entitled to those benefits as long as you meet the eligibility requirements for each week.
UPDATE: Success! I used the Claimyr service that was recommended and got through to TWC in about 30 minutes this morning. The rep was really helpful and filed all my back payments! She said they should be processed within 2-3 business days. Such a relief! Thanks everyone for the advice and encouragement.
Did anyone else read that new Austin daycare exposé article last week?? The conditions in some of these places are HORRIBLE and the state does almost nothing!! OP I totally believe your story and hope TWC does too!!
Just wanted to add - make sure you request a telephonic hearing if possible. It's usually less stressful than appearing in person, and you can have all your documentation spread out in front of you during the call. When TWC schedules your hearing, they'll send instructions about how to submit evidence beforehand - follow those instructions EXACTLY and submit everything at least 3 business days before your hearing date. Also, after submitting your appeal, keep an eye on your mail. TWC will send a hearing notice with the date/time, usually 2-3 weeks after you file your appeal. If you miss your hearing, it's extremely difficult to get it rescheduled.
Thank you for these tips! I've started organizing all my evidence chronologically. Should I also request my daughter's attendance records from the daycare to prove when I withdrew her, or is my resignation letter enough?
Has anyone else noticed that the TWC system seems to be running slower than usual this week? Not just for payment processing but like everything? I tried to update my work search log yesterday and the website kept timing out. Wonder if they're doing system updates or something.
They're actually in the middle of a system update this week - it was mentioned in the fine print at the bottom of the homepage. Apparently they're upgrading the payment processing system through Thursday, which might cause additional delays or glitches. Just something else to be aware of.
UPDATE: Just checked my portal and the deposit date is showing for tomorrow (Wednesday)! Looks like it was just a one-day delay due to the holiday. Thanks everyone for your help and advice. Hopefully the money will be in my account by Friday and I'll be all set for rent.
Great news! Glad it's moving forward as expected. The system is pretty reliable once you understand the timing patterns.
Lucky you!! Make sure you still watch your account to confirm it actually arrives!
UPDATE: My check arrived today! It took exactly 5 business days from when it showed as processed on the TWC website. I've also successfully updated my payment method to direct deposit for future payments. Thanks everyone for your help!
Good to hear! Make sure you're submitting your payment requests on time (every two weeks) and don't forget to log your work search activities. Texas requires three work search activities per week for most claimants. You can enter these directly on the TWC website under the Work Search tab. Many people miss this and end up with payment delays or disqualifications.
Thanks for the reminder! I've been keeping track of my job applications in a spreadsheet so I don't forget. Do volunteer activities count toward the work search requirement?
When you file your appeal, remember to submit it in writing and keep a copy of everything. You can submit through the TWC portal or by mail, but the portal is faster. In your appeal letter, I'd recommend: 1. Clearly stating you misunderstood the reporting requirements for gig work 2. Providing exact amounts earned each week from Lyft (with documentation) 3. Requesting that they recalculate your benefits as partial payments rather than denying eligibility entirely 4. Mentioning that this was your first time on unemployment and that you'll correctly report all income going forward If your appeal hearing is conducted by phone, be extremely prepared with all your documentation organized. Answer questions directly and honestly. Don't get defensive even if the hearing officer seems accusatory - that's just part of their job.
This is incredibly helpful advice! I'll follow all of these steps. Do you know approximately how long it takes from filing the appeal to having the hearing?
Currently, the TWC is scheduling appeal hearings about 5-7 weeks after filing. It used to be faster, but they've been backlogged since the beginning of the year. Just keep making your payment requests (reporting all income correctly) while you wait.
Did you finally get through to anyone at TWC yet? Curious if Claimyr worked for you because I'm in a similar situation with unreported income (mine was from tutoring).
I actually did use Claimyr yesterday and got through to someone in about 30 minutes! The TWC rep confirmed I can appeal and said to make sure I include ALL my Lyft earnings documentation with specific dates. She said they're seeing a lot of these cases with gig workers and that honest mistakes can sometimes get the fraud designation removed, which lowers the penalty. I've already filed my appeal through the portal with all my documentation attached.
OK so TECHNICALLY the waiting week is still YOURS but TWC makes it nearly IMPOSSIBLE to claim it!!! They KNOW most people never go back and request it after finding work. It's just another way they KEEP YOUR MONEY!!! I bet MILLIONS of dollars in waiting weeks never get paid out because of this ridiculous 6-week work requirement!!! So frustrating!!
While the system isn't perfect, the 6-week work requirement is designed to encourage reemployment. The waiting week policy has been part of Texas unemployment for years - it's not designed to keep your money, but rather to verify you've successfully returned to the workforce before paying that additional week.
For your planning purposes, here's exactly what will happen with your final payment: 1. You'll receive your regular weekly benefit amount ($754 after taxes) one last time 2. Your claim will then show as exhausted 3. If you're still unemployed, you should immediately file for EB (Extended Benefits) if they're currently available in Texas 4. Remember to continue your work search activities (minimum 3 per week) even during the transition Don't forget that once you do find employment, you need to work for 6 consecutive weeks and then specifically request the waiting week payment. Mark your calendar with a reminder as many people forget this step.
hey so i think noone mentioned this but if ur claim has any problems they might put a hold on ur payments and u wont get anything until its cleared up. happened to me bc they needed extra identity verification and i didnt see the message in my correspondence inbox for like a week lol. def check ur inbox regularly!!
EXACTLY what I was saying!!! They hide these "issues" in their system and expect you to somehow KNOW about them. Meanwhile your bills are due and they don't care at all. The whole system is designed to PREVENT people from getting their money!!!
One last thing to note about the payment schedule: while you request payment biweekly, your work search requirements are weekly. So you need to complete at least 3 work search activities each week (that's the current requirement for most counties in Texas). When you request payment, you'll report your work search activities for each of the two weeks separately. Keep good records of all your activities in case TWC requests verification. Also, pay attention to your correspondence inbox in your TWC account. TWC sends important notices there rather than to your email, and missing those can cause payment delays.
Wait has he had ANY job since getting let go last year? Even part time work? Because if he got a new job and then lost THAT job within the last year, he could possibly file based on the newer job loss!
He did some handyman work for cash over the summer but nothing with actual payroll. I don't think that would count, would it?
Unfortunately, cash work wouldn't establish a new base period since those wages weren't reported to TWC through an employer's quarterly wage reports. Only W-2 employment or properly reported 1099 work (where the employer paid unemployment taxes) would qualify for establishing a new claim.
Sorry to hear about your father in law's situation. My neighbor went thru something similar last year. The missed benefits hurt but the silver lining was that WorkForce Solutions helped him with his resume and he found a better job than his old one within 2 months!
AstroAce
Totally normal for TWC to be inconsistent with payment timeframes. My payments last year would vary between 2-7 business days with no rhyme or reason. The important thing is making sure your payment request status eventually changes from "received" to "processed." If it stays on "received" for more than a week, that's when you should worry. Also, do you have any earnings to report for that second payment request period? Sometimes that can slow things down as they need to calculate your partial benefit amount.
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Emma Davis
•No, I didn't have any earnings to report that week. I've been completely unemployed since getting laid off last month. But I just checked again and it finally changed to 'processed' about an hour ago! So hopefully that means I'll get the deposit tomorrow.
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Malik Johnson
That's great news! When the status changes to 'processed,' it typically means the funds have been sent to your bank or payment method. You should see the deposit within 1-2 business days, depending on your bank's processing time. If you have direct deposit, it's often faster than the TWC debit card option. For future reference, TWC payment processing can follow this general timeline: - Payment Request Received → Initial acknowledgment of your request - Processing → TWC is reviewing your request - Processed → Payment has been approved and sent Glad to hear you'll likely receive your funds soon! For ongoing claims, it helps to request payment on your designated day and keep good records of all your work search activities.
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Emma Davis
•Thanks everyone for the help! The payment just hit my account this morning. I guess I'll just need to be more patient with future payments and not expect them to always come as quickly as the first one did. Still weird how inconsistent the timing is though!
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