Do you get back pay for unemployment in Texas TWC claims?
Backstory: got laid off from my warehouse supervisor job in late September and didn't apply for unemployment until almost three weeks later because I honestly didn't know I qualified. A coworker finally talked me into it and I filed online through UBS at the end of October 2026. Now I'm seeing that my claim's start date is the Sunday of the week I actually filed, not the Sunday of the week I got laid off. That's nearly three weeks of payments I'm apparently just not getting. I keep reading conflicting stuff online about whether Texas TWC pays you retroactively for weeks before you filed. Some posts say yes, some say no, some say you can call and ask for an exception. My determination letter doesn't mention anything about back pay at all. Does anyone actually know the answer? Do you get back pay for unemployment when you filed late, or is that money just gone forever?
85 comments

Kaylee Cook
The start date really is locked to the Sunday of the week you file — there's no way to push it back to when you actually lost your job. TWC is pretty firm on this. The week you apply is week one, full stop. I lost about two weeks the same way when I first got laid off and didn't understand the system. Those weeks before the filing date are just not payable, unfortunately.
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Morgan Washington
AuthorThat's what I was afraid of. So the advice to 'apply as soon as you lose your job' isn't just a suggestion, it's literally costing people money when they wait.
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Oliver Alexander
Exactly right, and TWC's own instructions say to apply as soon as you're unemployed or your hours are cut, but not before your last actual workday. Every day you wait after that is potentially a week you can't recover.
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Morgan Washington
AuthorWish someone had told me that in September. The warehouse HR person said to 'wait and see if we recall you' but that recall never came and I burned three weeks waiting.
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Lara Woods
Worth knowing about the waiting week on top of this — it's separate from the back pay question but it confuses a lot of people. Even after your claim is approved, TWC holds your first payable week until you've been paid twice your weekly benefit amount AND you either go back to full-time work or use up all your benefits. It's not lost, just held. You can request it at the end through UBS or Tele-Serv.
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Adrian Hughes
Wait so there's a held week AND the weeks you can't get back from filing late? Those are two different things?
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Lara Woods
Yes, completely separate. The weeks before your filing date are simply not payable — no way to get those. The waiting week is a payable week that TWC holds temporarily and you can recover it at the end of your claim under the right conditions.
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Molly Chambers
This tripped me up too. I thought the waiting week WAS the back pay issue and kept asking about the wrong thing when I called TWC.
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Adrian Hughes
Okay that actually makes way more sense now. So I should still be requesting payments every two weeks even during adjudication?
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Adrian Hughes
Used claimyr.com to get through to a live TWC agent last week because I had a similar question about my claim's start date and couldn't get anyone on the phone otherwise. The agent confirmed that TWC cannot backdate a claim under any normal circumstances — the system literally won't allow it. She also walked me through where to find my actual payment schedule in UBS. If you need a real answer from TWC directly, that's how I finally got through. There's a demo video at https://youtu.be/V-IMvH88P1U that shows how it works — it basically holds the line for you and connects you when an agent picks up.
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Morgan Washington
AuthorHow long did it take before the agent actually picked up? I've been disconnected twice already trying to call the Tele-Center number.
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Adrian Hughes
For me it was about 45 minutes of hold time but I didn't have to sit there listening to hold music — just went about my day and got connected when someone picked up.
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Ian Armstrong
My sister is dealing with an adjudication issue right now and can't get anyone at TWC on the phone either. Might have her try that service to get some clarity on her claim status.
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Eli Butler
The 'apply immediately' rule is genuinely the most important thing nobody tells you when you get laid off. HR departments aren't going to remind you, your former boss definitely isn't going to, and by the time most people figure out they should file they've already lost a week or two. Filed the same day I was let go from my retail management job and even then my first actual payment took about four weeks to arrive.
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Marcus Patterson
Four weeks is pretty standard from what I've seen. TWC mails the former employer a notice and they have 14 days to respond, then TWC works through its determination process. It stacks up fast.
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Eli Butler
And that's exactly why you have to start the payment request process even before the determination comes through. A lot of people wait to request payments until they're approved and then realize they missed weeks they can't get back.
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Lydia Bailey
Missed this myself the first time I filed. Thought I had to wait for the approval letter before doing anything else. By the time I figured it out I had two missed payment request windows.
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Mateo Warren
Can I ask something that might be dumb — does the back pay question change at all if the reason for the delay was that you were doing FMLA or medical leave right after the layoff? Like if you technically couldn't work during those weeks anyway?
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Lara Woods
The filing date rule doesn't change based on why you delayed filing. The claim still starts on the Sunday of the week you apply. What might matter separately is whether you were able and available for full-time work during those weeks — TWC requires that every week to be eligible, so if you were medically unable to work, those weeks may not have been payable anyway.
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Mateo Warren
Okay so it's kind of a moot point in that case because those weeks might not have been payable regardless.
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Lara Woods
Potentially, yes. But you'd want to look at your specific situation carefully — there's a difference between recovering from an illness and being completely unable to work versus having some limitations. Worth calling TWC to ask about your exact circumstances.
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Sofia Price
THREE weeks of benefits lost is honestly brutal. The system really doesn't do much to help people who don't already know the rules. My cousin lost almost a full month because she was waiting on a severance payout and thought she had to wait until that cleared before filing. By the time she figured out those were two separate things it was too late.
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Oliver Alexander
Severance is its own complicated topic — you do have to report it to TWC when you apply and again on payment requests, and certain types can pause your benefits while you're receiving it. But you're right that the filing delay is completely separate. You file as soon as you're out of work regardless of the severance situation, then let TWC sort out how the severance affects payments.
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Sofia Price
She didn't know any of that. The HR person at her old company told her to 'wait until everything settles' and she trusted that advice.
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Alice Coleman
HR people saying that is SO common and it costs people real money. They're not trying to be malicious probably, they just don't know UI rules any better than the employees do.
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Owen Jenkins
Something my TWC determination letter actually did explain was the base period calculation — which is different from the back pay issue but came up for me because I'd been with my employer less than a full year. The base period is the first four of the last five completed calendar quarters before your claim starts. For a claim filed right now in late 2026, that's roughly July 2025 through June 2026. If you barely missed qualifying wages in a quarter, filing a week earlier or later could technically affect which quarters count.
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Morgan Washington
AuthorMine should be fine on the base period side since I worked at the warehouse for almost four years. But that's a really good point for people who are newer to a job.
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Owen Jenkins
Yeah, four years is definitely solid. I was just barely over the threshold and it made me paranoid about every little detail on my claim.
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Molly Chambers
The base period math is confusing because people assume it's just 'the last year you worked' and it's actually not quite that.
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Lilah Brooks
My adjudication went on for almost six weeks before I got a determination, and the whole time I kept thinking maybe there'd be some kind of retroactive adjustment once it cleared. Nope. The payments just covered from whenever I'd been making payment requests, and the weeks I'd missed requesting — including two I'd skipped because I thought I was supposed to wait — were gone.
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Kaylee Cook
The payment request timing is so critical and I feel like it's buried in the instructions. You're supposed to start requesting about one to two weeks after you apply, then every two weeks after that, and you don't stop just because adjudication is still going. If TWC eventually approves your claim, they'll pay out the weeks you requested on time going back to your claim's start date.
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Lilah Brooks
Exactly, and that's the other thing — if TWC approves you after adjudication, you DO get paid for the weeks you properly requested even before the approval came through. So it's not quite back pay in the way the OP is asking, but it's also not nothing.
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Morgan Washington
AuthorWait, so if I've been making payment requests every two weeks since I filed, and adjudication finishes and approves me, all those weeks I requested get paid out at once?
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Kaylee Cook
Yes, that's how it works. The hold during adjudication gets released when you're approved and payments for all properly requested weeks come through. That's why you absolutely cannot skip payment requests while you wait.
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Jackson Carter
Filing date = claim start date, no exceptions, no appeals, no workarounds. Learned this the hard way in 2026 when I got laid off from a tech contractor position. I even tried to appeal the start date and the Appeal Tribunal basically said there's nothing to appeal because TWC followed the rule correctly.
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Marcus Patterson
Appealing the start date is one of those things that feels worth trying but isn't going to go anywhere because there's no determination to dispute — the system just calculates from your filing date automatically.
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Jackson Carter
Yep. The appeals coordinator I spoke to was actually pretty sympathetic but explained there was simply no mechanism to change a valid claim start date through the appeal process.
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Lydia Bailey
This is good to know before someone spends 14 days on an appeal that isn't going to change anything.
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Alice Coleman
The question about back pay also comes up a lot when people are waiting on adjudication results and think they might eventually get paid for weeks before they filed. Those two things get mixed together constantly in these forums. Back pay from a delayed determination (weeks you requested that are waiting on approval) is real. Back pay for weeks before your filing date is not a thing in Texas.
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Molly Chambers
This is probably the clearest explanation of the difference I've seen. So many people conflate the two and end up confused about why TWC 'isn't paying back pay' when they actually do get paid for delayed-approval weeks.
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Alice Coleman
Right, and TWC's system will just sit on those weeks during adjudication and release them together once a decision is made, as long as you've been making your requests on time the whole way through.
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Marcus Patterson
For anyone just starting out, the payment request window is Sunday through Wednesday each week you're eligible. If you miss that window, you have a Thursday-to-Saturday grace period to file for that specific week. Miss the whole thing and that week is gone. This is completely separate from the filing date back pay issue but it's another way people accidentally lose weeks they would have been entitled to.
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Adrian Hughes
The Sunday to Wednesday window caught me off guard the first time. I was used to thinking of deadlines as end-of-day Friday and nearly missed my second request.
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Marcus Patterson
Tele-Serv at 800-558-8321 is actually easier for requests than logging into UBS in my opinion — Option 1 takes you straight to the payment request flow and it's pretty quick once you know the questions it'll ask.
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Morgan Washington
AuthorGood to know about Tele-Serv. I've been doing everything through UBS but having a phone option as backup seems smart.
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Mateo Warren
The questions on the payment request are week by week — did you work in week one, week two — so make sure you know your earnings for each week before you start.
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Lydia Bailey
Honestly reading this thread I realize I've been confusing 'adjudication' and 'appeal' this whole time. I kept telling people my claim was 'in appeal' when it was actually in adjudication. Those are different right?
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Oliver Alexander
Completely different. Adjudication is when TWC is still working through the initial eligibility question on your claim — they're investigating something before making a first decision. An appeal is what you file after you've already received a determination you disagree with. Adjudication comes first, appeal comes after (and only if you get a decision you want to fight).
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Lydia Bailey
Okay yeah I definitely had those backwards. My claim got a determination I didn't like so what I actually need to do is file an appeal within 14 days of when that determination was mailed.
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Oliver Alexander
Exactly right. And you can appeal in UBS, in person at a Workforce Solutions office, or by mail or fax. Can't appeal by email or by phone. The date that matters is when the determination was mailed, which is printed right at the top of the letter.
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Lydia Bailey
Got the letter right here — okay good I still have several days. Submitting through UBS tonight.
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Ian Armstrong
My work search requirement threw me for a loop too when I first filed. The number of activities required each week depends on what county you're in — and TWC mails you a letter with your specific number. For some counties it's one activity a week, for others like Harris or Dallas it's five. You have to keep a log because TWC can ask to see it at any time.
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Sofia Price
Five activities a week in Harris County is genuinely a lot when the job market is slow. I ended up counting things like submitting resumes through WorkInTexas.com, attending a virtual job fair, and doing a practice interview through the Workforce Solutions office just to hit the number.
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Ian Armstrong
Those all count. The key thing is documenting them — date, employer or activity name, type of activity, contact information if applicable. Keep everything in a spreadsheet or notebook.
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Eli Butler
WorkInTexas.com also lets you log your work search activities directly in the system, which makes it easier to prove compliance if TWC ever audits you.
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Molly Chambers
My situation going into this was a bit different — I'd been getting severance payments for about six weeks after my separation and didn't realize I was supposed to report those when I applied. By the time a friend told me I needed to disclose it I was worried I'd already created an overpayment issue for myself. Called TWC and got clarification but that was a stressful few days.
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Lara Woods
Severance definitely has to be reported — both when you apply and on each payment request where it asks about income from other sources. What TWC does with it depends on the type of severance, and they mail a decision on your specific situation. It's worth getting that sorted early because certain severance arrangements can pause benefits while they're being received.
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Molly Chambers
Yeah the agent was pretty clear that reporting it late was better than not reporting it at all, and since I hadn't tried to hide it deliberately the resolution was pretty straightforward. Just had to provide the amount and dates.
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Morgan Washington
AuthorI had a small severance from the warehouse job too — one week's pay. Filed it when I applied. Glad I did that part right at least.
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Kolton Murphy
Texas TWC's phone lines being nearly impossible to get through on is honestly a whole separate problem from the back pay issue. I spent four days trying to reach someone about a pretty simple question on my claim and kept getting disconnected or hitting the 'we cannot take your call' message. Eventually used Claimyr and got through to an agent who answered my question in about three minutes. Mine was about how my part-time hours during the claim would affect my payment that week.
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Morgan Washington
AuthorPart-time hours during the claim — does that mean you can work some and still get benefits?
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Kolton Murphy
Yes, up to a point. You report gross earnings for the week you did the work. If you earn up to 25% of your weekly benefit amount there's no reduction. Above that threshold the payment drops by what you earned over that 25%. Once you earn more than your weekly amount plus that 25% cushion, you get nothing that week.
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Morgan Washington
AuthorThat's actually useful info since the warehouse sometimes calls people back for a few days here and there. So I could do a couple days of work without completely losing my UI payment for the week.
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Kolton Murphy
Right, just report everything accurately. The math actually works in your favor for small amounts of work.
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Oliver Alexander
One more timing thing worth mentioning — the benefit year runs for 52 weeks from the Sunday of your filing week. Your maximum benefit amount is either 26 times your weekly benefit or 27% of all your base period wages, whichever is less. So if you burned three weeks before filing, you didn't just lose three weeks of payments — you also started your 52-week benefit year three weeks later than you could have.
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Kaylee Cook
That's the part people really don't think about. The 52-week clock starts ticking from your filing date, and if you get recalled to work and need to come back to unemployment later, you're drawing from whatever weeks are left in that benefit year.
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Oliver Alexander
Exactly. Someone who filed three weeks late and got recalled after six months might only have about six months of potential benefit year left instead of seven and a half. It matters more in unstable industries.
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Sofia Price
Warehousing and logistics is super seasonal like that. Good point for anyone in those jobs.
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Evelyn Rivera
My aunt needed to reach TWC about her back pay question and I helped her set up Claimyr for it — she's not great with the hold-music phone marathon. The agent she reached confirmed that her adjudication-delayed weeks would all pay out together once the determination came through, since she'd been making her payment requests on time. That's exactly the question she needed answered.
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Mateo Warren
That's what I needed to hear about the adjudication situation. So keeping up with payment requests even during a long adjudication really does protect you.
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Evelyn Rivera
Absolutely. The agent was pretty direct about it — the weeks pile up in the system and release when eligibility is confirmed, but only if the requests were submitted on time. Skipping requests because you're waiting on adjudication is one of the more costly mistakes people make.
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Lilah Brooks
Wish someone had told me this in week two of my adjudication. I skipped two requests thinking I'd have to 'restart' once it resolved and those weeks are just gone.
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Julia Hall
The ReliaCard debit card question comes up a lot alongside back pay — when that lump sum adjudication release hits, it all goes to the card (or direct deposit if you set that up). First payment takes up to 10 business days for the card to arrive, but after that you're within about two business days of when the payment processes.
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Eli Butler
Setting up direct deposit instead of using the ReliaCard saved me a lot of hassle. Can do it through UBS after your first payment is processed.
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Julia Hall
Direct deposit is definitely smoother once it's set up. The ReliaCard works fine but adding the extra step of transferring money to your regular bank account gets old fast.
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Morgan Washington
AuthorDidn't even know direct deposit was an option. Setting that up is going on my to-do list as soon as my first payment hits.
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Arjun Patel
For what it's worth, the TWC Form 1099-G that covers taxable benefits arrives in January — it's also in UBS under IRS Tax Information. Benefits are taxable federal income. You can elect to have 10% withheld voluntarily. Just flagging it because people sometimes discover mid-tax-season that they owe on their unemployment income and it's a surprise.
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Jackson Carter
This caught me completely off guard after my first claim year. No one mentioned the tax piece and I ended up owing money in April.
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Arjun Patel
The withholding option is worth taking if you don't have another way to set aside money for taxes. 10% won't cover everyone's tax rate perfectly but it helps.
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Alice Coleman
You can change the withholding election in UBS at any point during the benefit year, so it's not a one-time decision you're locked into at filing.
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Marcus Patterson
Coming back to the original question one more time — the short answer is no, you don't get back pay for weeks before your Texas TWC filing date, and there's genuinely no workaround. The long answer is that you CAN get retroactive payment for weeks you properly requested that were held during adjudication, once a determination comes through in your favor. Those are the two completely different things this thread has been sorting out.
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Morgan Washington
AuthorThis thread answered way more than I expected. My situation is the first type — weeks before I filed that are just not recoverable. But I've been making payment requests correctly since filing, so if adjudication goes my way at least those weeks will pay out.
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Marcus Patterson
Exactly the right read of your situation. Keep those payment requests going every two weeks no matter what, and check UBS daily since TWC updates overnight.
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Owen Jenkins
Good summary. The confusion between 'weeks before filing' and 'weeks held during adjudication' is probably responsible for half the back pay questions on this forum.
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Morgan Washington
AuthorGenuinely grateful for everyone in this thread. I came in thinking I'd totally wrecked my claim and now I at least understand what I lost and why, and what I can still recover.
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