TWC benefits before actual layoff date - Can I apply now for Jan 18th layoff?
Just found out our entire department is getting laid off effective January 18th. The company is restructuring and eliminating our location completely. I've already started applying for new positions (sent out about 12 applications this weekend), but I'm worried about the gap between my last paycheck and when unemployment might kick in. Is it too early for me to start the TWC application process now, or do I have to wait until I'm officially unemployed on the 18th? I've never been through this before and I'm trying to be proactive since I've got rent due on the 1st of February. Any advice on the timeline would really help. Should I wait, or can I at least get the application ready somehow?
18 comments
Theodore Nelson
You should wait until your last day of work before applying. TWC specifically asks for your last day worked when you file, and filing before that date could cause problems with your claim. However, you can gather all the documents you'll need now - your last 18 months of employment history with dates and contact info, your social security number, and your driver's license. Also make sure you have the exact mailing address of your employer and their TWC tax account number if possible (should be on your paystub).
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Carmella Fromis
•Thank you! I'll start gathering all that documentation. Do you know how long it typically takes after filing before the first payment shows up? I'm trying to figure out if I need to borrow money for February rent.
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AaliyahAli
acutally u can file after u get ur layoff notice!!!! i did this last year, just put the date of ur last day in the application. ull get denied at first but then when the day comes it processes. worked 4 me!
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Theodore Nelson
•That's incorrect and could cause problems. TWC's system is designed to process claims AFTER your last day worked. Filing early could flag your account for potential fraud investigation or cause your claim to be denied. Official TWC guidance is to file on or after your last day of work.
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Ellie Simpson
While you can't file before your last day of work, there are things you can do to prepare. TWC has a document checklist on their website. Also, if you receive any severance pay, be sure to report that when you file as it may affect when your benefits begin. After filing, you'll need to register with WorkInTexas.com and begin documenting at least 3 work search activities per week. You're already ahead of the game by applying for jobs! As for timeline, expect 2-3 weeks from filing to first payment if everything goes smoothly. If there are issues with your claim, it could take longer while TWC investigates.
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Carmella Fromis
•Thank you for the detailed info! We're getting a 2-week severance package, so I'll make sure to report that. Do I need to register with WorkInTexas before filing my TWC claim, or can I do that after?
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Ellie Simpson
You'll register with WorkInTexas.com after filing your initial claim. TWC will actually prompt you to do this during the process. Just follow the instructions carefully and keep track of all communication from TWC. One more tip - when you do file, do it early in the morning on a weekday if possible. The system gets overloaded later in the day and on weekends, which can cause technical issues.
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Arjun Kurti
•God the TWC website is the WORST. It crashed on me THREE TIMES when I was trying to file last month. And then they had the nerve to send me a letter saying my claim was delayed because I didn't complete the application on time!!! 🤬
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Raúl Mora
i just went thru this in november... file exactly on your last day, not before not after. and make sure you request payment every two weeks even if youre still waiting for approval otherwise youll miss weeks of payment
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Carmella Fromis
•Thank you! I didn't realize I needed to request payment while waiting for approval. That's really helpful to know.
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Margot Quinn
My cousin works at TWC and she says they're super backed up right now processing claims from the holiday season layoffs. You might want to check if your company is doing a mass layoff filing - sometimes HR will file a mass claim for everyone being laid off at once which can speed things up.
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Carmella Fromis
•That's a great point! I'll ask our HR department if they're planning to do a mass filing. We have about 45 people being laid off at once, so maybe that qualifies.
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Theodore Nelson
One more important thing - when you do file, make sure you select the correct reason for separation. Since this is a layoff due to company restructuring, you'll want to select something like "Laid off due to lack of work" or similar option. Selecting the wrong reason can delay your claim while TWC investigates. Also, if you have direct deposit set up for your paychecks, have that bank information ready. You can set up direct deposit for your unemployment benefits which is much faster than waiting for a debit card in the mail.
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Carmella Fromis
•Thank you! Yes, I definitely want direct deposit. And I'll be careful about selecting the right reason. Our HR director said it's officially a "reduction in force" but I'll look for the closest match on the TWC form.
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Arjun Kurti
The whole system is designed to make it IMPOSSIBLE to get benefits!!! I lost my job in October and didn't see a PENNY until December because they kept saying my "identity verification was pending" even though I did the ID.me thing like 5 times! Be prepared to fight for what you deserve!
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Theodore Nelson
•While there can certainly be frustrations with the system, most claims without complications do process within 2-3 weeks. The ID.me verification is an important security step, though it can sometimes have technical issues. If you run into problems, calling TWC directly is usually the best solution, though it can take patience to get through.
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Carmella Fromis
Thanks everyone for all this helpful information! I'm feeling a bit more prepared now. I'll wait until the 18th to file, but I'll start getting all my documentation together. And I'll make sure to request payments even while waiting for approval, and to set up direct deposit. Fingers crossed everything goes smoothly!
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Ellie Simpson
•Good luck! Just remember to stay on top of your work search activities (minimum 3 per week) and document everything. It sounds like you're already being proactive with job applications, which is excellent.
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