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For future reference for anyone reading this thread: Payment requests made on a Sunday before a Monday holiday typically process 1-2 business days later than normal. TWC's processing system runs on business days, so a Monday holiday pushes everything back. Your payment request isn't lost - it's just in a queue waiting to be processed. Also, there's an important difference between seeing the payment in your TWC account and when it actually hits your bank account or debit card. The TWC system will show the payment as processed usually 1-2 days before you actually receive the funds. Direct deposit typically takes 2-3 business days after processing, while the TWC debit card is usually 1-2 business days.
This is really helpful to know! I'm new to the TWC system and filed my first claim last week. I was supposed to do my payment request this Sunday but now I'm wondering - should I expect delays every time there's a holiday? And is there a way to check ahead of time if TWC will have processing delays for upcoming holidays? I want to plan better so I don't panic like you all did this week!
Good question! Yes, expect delays after any federal holiday that falls on a weekday - Memorial Day, Labor Day, Thanksgiving, Christmas, New Year's, etc. TWC doesn't really announce delays ahead of time, but you can generally assume if there's a Monday holiday, add 1-2 extra days to when you'd normally see your payment info. I keep a calendar of federal holidays now so I know when to expect the delays. The key is just not to panic when it happens - your payment request is still there, just takes longer to process!
Just want to add one more thing - make sure you keep detailed records of when you start working and what you earn each week. I learned this the hard way when TWC asked me to verify my employment dates and earnings months later. Having pay stubs, start date documentation, and a simple calendar noting your work days will save you major headaches if they ever audit your claim. Good luck with the new job!
This is such good advice! I wish I had known this when I was on unemployment. I just kept my pay stubs but didn't think to document my actual work days. TWC can be really picky about details, so having everything documented from day one is smart. @8e48f3bc8d56 definitely keep track of everything once you start!
Make sure you understand the difference between your benefit year end date and when your benefits actually stop. Even if you start working full-time, your benefit year doesn't automatically close - you'd still need to request your waiting week payment later if you become eligible. Also, once you start the new job, you can still file payment requests if your hours get cut or if the job doesn't work out, as long as you're within your benefit year. Just keep your claim active by continuing to request payments (even if you report full-time work) until you're certain the job is stable.
That's really helpful information about keeping the claim active! I didn't realize you could still file payment requests even when working full-time. So if I understand correctly, I should keep requesting payments every two weeks and just report my work/earnings, rather than completely stopping my claim? That way if something happens with the new job I don't have to start a whole new claim process?
Just wanted to add one more thing that might help - when I applied as a contract employee, TWC actually has a specific section in their online application for "contract workers." They ask directly whether your employer withheld taxes and paid into unemployment insurance. Having that letter from your employer confirming they paid UI taxes is gold - it basically answers their main concern upfront. I'd also suggest keeping copies of a few recent paystubs that show the tax withholdings, just to have backup documentation. The whole process was way less complicated than I expected once I had the right paperwork together. Good luck with your application!
This is so reassuring to hear! I was worried the application process would be really complicated for contract workers, but it sounds like TWC has actually set up their system to handle our situation pretty well. Having that dedicated section for contract workers makes a lot of sense. I'm definitely going to gather all my paystubs and that letter from my employer before I start the application. Thanks for sharing your experience - it's really helpful to hear from someone who actually went through the process successfully!
One thing I haven't seen mentioned yet - if you're in web development like me, make sure to check if any of your previous contract work from other companies also counts toward your base period wages. I found out TWC looks at ALL employers who paid UI taxes on your behalf during that 4-quarter period, not just your most recent one. So if you worked for multiple companies as a contract employee over the past year, those wages can add up and potentially increase your weekly benefit amount. I had completely forgotten about a 3-month contract I did early last year until I saw it show up in my wage record - it actually bumped my WBA up by about $80/week! Definitely worth double-checking your full employment history when you apply.
That's a great point! I hadn't thought about other contracts from earlier in the year. I did have a smaller 2-month project last spring that I'd totally forgotten about - they also treated me as an employee and took out taxes. Do you know if there's a way to check what wages TWC has on file for you before you apply, or do you just find out when they process your claim? I'd love to know my potential benefit amount ahead of time so I can plan my budget better.
Alana Willis
Smart move uploading those documents proactively! That's exactly what I would recommend. I went through something similar a few months ago - got the verification call even after completing ID.me, uploaded my documents just like you did, and never heard another word about it. One thing that helped ease my anxiety was setting up text notifications in my TWC portal so I'd get immediate alerts if they needed anything else. You can find that under account settings. That way you're not constantly checking your account wondering if something new came up. Sounds like you handled this perfectly though. The fact that you don't have any pending tasks in your portal and your payments are still processing is a really good sign that everything is fine with your claim.
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Evelyn Rivera
•That's a great tip about setting up text notifications! I didn't even know that was an option. Just went into my account settings and turned those on. Thanks for sharing your experience - it really helps to know others have gone through the exact same thing and everything worked out fine. I'm feeling a lot more confident about this whole situation now.
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MoonlightSonata
I've been through this exact situation twice now with TWC! The first time I panicked just like you, but it turned out to be completely routine. They're doing these secondary verification calls on a lot of claims right now, even after ID.me verification is complete. The key phrase "we'll contact you if needed" is actually good news - it means they're not seeing any red flags that require immediate action. In my experience, about 80% of people who get this call never hear back about it. Since you've already uploaded your documents proactively, you're in great shape. Just keep an eye on your payment schedule and your TWC inbox. If your payments continue processing normally over the next week or two, you can pretty much consider this matter closed. The fact that they didn't ask for specific documents during the call suggests they're just doing their due diligence, not investigating a problem.
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