TWC demanding $14K overpayment from 2021 COVID benefits - any way to fight this?
Just got a massive shock yesterday - TWC sent my husband several letters claiming he was overpaid around $14,000 in unemployment benefits from back in 2021! He worked at a hotel for 6 years before being laid off during COVID when the tourism industry collapsed. He qualified for both regular unemployment and the extra federal pandemic benefits at that time. All his paperwork was correct, he did his payment requests on time, and reported everything properly. Now, almost 4 years later, they're saying he has to pay everything back?! Has anyone dealt with this? The determination letters mention something about 'eligibility redetermination' but don't clearly explain what changed. We absolutely cannot afford to pay back $14K right now. Do we need to file an appeal? Is there a statute of limitations on this stuff? I'm freaking out!
21 comments
Ashley Adams
The SAME EXACT THING happened to my wife last month!!! She got a letter saying she owes back $8,700 from 2021. This is INSANE. The TWC approved all her benefits during COVID then years later decides they made a mistake?!! We filed an appeal immediately - you only have 14 days from the date on the letter to appeal or you lose your right to fight it. Don't wait! The system is completely broken. These bureaucrats have no idea how much stress they're causing hardworking Texans.
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Zoe Gonzalez
•Thank you! I didn't realize we only have 14 days to appeal. The letter is dated last week so we better get on this immediately. Did you have to submit any specific documentation with your appeal? Did they tell you what the specific reason was for the overpayment?
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Alexis Robinson
First, don't panic. This is happening to a lot of people who received COVID-related unemployment benefits. TWC is doing audits of pandemic payments and finding what they consider "issues" in many cases. The most important thing is to file an appeal before the deadline (14 days from the determination letter date). In your appeal, explain why you believe your husband was eligible for the benefits he received. Include any documentation you have - employment verification, layoff notice, payment request records, etc. While waiting for the appeal, you can also request a payment plan or hardship waiver if the appeal isn't successful. Document everything and keep copies of all communications with TWC.
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Aaron Lee
•exactly right about the appeal deadline! my brother missed it by 2 days and they wouldn't even consider his case anymore. smh
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Chloe Mitchell
we had this problem too back in January, turns out twc said my husband didnt provide enough work search contacts during covid even tho the requirements were different then??? we called like 50 times and could never get thru, so frustrating
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Ashley Adams
•EXACTLY! The requirements kept changing during the pandemic, and now they're applying current standards to past claims. It's completely unfair. Did you ever get through to them? What happened with your case?
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Michael Adams
I'm an employment attorney who has been handling a lot of these cases recently. There are several common reasons TWC is sending these overpayment notices for COVID-era claims: 1. Documentation issues - some claimants didn't provide sufficient proof of employment/self-employment for PUA benefits 2. Work search requirement discrepancies - even though requirements were relaxed during COVID, they varied over time 3. Income reporting errors - especially for people who had partial employment 4. System glitches - TWC's systems were overwhelmed during COVID You absolutely need to appeal within the 14-day window. In the appeal, specifically request a "waiver of overpayment recovery" based on equity and good conscience. TWC can waive repayment if you can demonstrate that: - The overpayment wasn't your fault - Repayment would cause extraordinary hardship - You received the payments in good faith Also, request a detailed explanation of exactly what caused the overpayment determination. Don't agree to any repayment plan until you've exhausted the appeal process.
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Zoe Gonzalez
•This is incredibly helpful, thank you! We'll definitely request the waiver of overpayment recovery in our appeal. Do you know if we need to submit the appeal online through the TWC portal or if we can mail it in? The determination letter mentions both options but I want to make sure it gets processed correctly.
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Natalie Wang
Have you tried calling TWC to ask for specifics about why they're saying he was overpaid? I was in a similar situation (although only for about $3200) and it turned out they had incorrect information about my last day of work. When I finally got through to someone, they actually fixed it right away. The problem is actually reaching a human being there...
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Zoe Gonzalez
•We've been trying to call for the past two days but keep getting busy signals or the automated message saying call volumes are too high. So frustrating! How did you manage to get through to someone?
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Natalie Wang
•I discovered this service called Claimyr that got me through to TWC in about 20 minutes after days of failed attempts. They basically keep dialing for you until they get through, then connect you. It saved me hours of redial frustration. Their website is claimyr.com and they have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh. It was worth it to actually talk to someone who could pull up my file and explain exactly what was happening.
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Ashley Adams
Warning: even if you appeal, TWC might still try to take your tax refund! They intercept state refunds for overpayments. We found this out the hard way last year with a smaller overpayment issue.
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Chloe Mitchell
•omg yes they took my sisters entire refund last year! she didnt even know she had an overpayment till then
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Noah Torres
I'm dealing with a similar situation right now. My overpayment notice came in April for $11,500 from 2021 benefits. I filed an appeal and just had my telephone hearing last week. The key things that helped my case: 1. I printed out all my payment request confirmations showing I reported everything correctly 2. I found emails from TWC from 2021 confirming my eligibility for both regular UI and the pandemic benefits 3. I wrote a detailed timeline of my employment situation during COVID 4. I documented all the changing requirements TWC published during the pandemic During my hearing, the examiner seemed sympathetic and acknowledged the confusion during that period. I'm still waiting for the decision, but she indicated that even if they don't reverse the overpayment completely, they'll likely approve a hardship waiver since it wasn't due to fraud or misrepresentation on my part. Definitely appeal, and request a detailed explanation for why they're claiming an overpayment now, after all this time. The burden should be on them to prove you weren't eligible, not on you to prove you were.
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Zoe Gonzalez
•This gives me hope! I'll start gathering all those documents today. If you don't mind me asking, how long did it take between filing your appeal and getting the telephone hearing? I'm trying to understand the timeline we're looking at.
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Noah Torres
•It took about 7 weeks between filing my appeal and getting the hearing scheduled. Then the actual hearing was scheduled for 2 weeks after I received the notice. So about 9 weeks total from appeal to hearing. The examiner said they're backed up with all these COVID benefit appeals.
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Aaron Lee
ur husband might qualify for financial hardship waiver! my cousin got a 6k overpayment waived bc he proved repayment would cause severe financial hardship. look it up on twc website
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Michael Adams
•This is correct. Texas Workforce Commission can waive recovery of non-fraud overpayments under certain conditions. You need to specifically request the waiver using their officially designated form. However, you must first go through the appeal process regarding the overpayment determination itself. Only after that's resolved (if it's not in your favor) should you pursue the waiver option.
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Alexis Robinson
One thing to check - is the determination letter saying it was an agency error or a claimant error? This makes a big difference. If TWC acknowledges it was their mistake (agency error), they cannot charge interest on the overpayment and you have more options for waivers. If they're claiming your husband provided incorrect information (claimant error), you'll need to fight that assertion in your appeal if it's not true. The letter should specify which type of overpayment they're claiming.
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Zoe Gonzalez
•I'll have to look at the letter again, but I believe it mentions something about "eligibility criteria not met" rather than any specific error. Does that sound like they're classifying it as our error or theirs? The frustrating thing is that the letter is so vague about what specific eligibility criteria they're now saying wasn't met.
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Alexis Robinson
•"Eligibility criteria not met" usually means they're putting it on the claimant, unfortunately. However, in your appeal, you can argue that your husband met all eligibility criteria based on the rules in place at that time. The burden should be on TWC to specify exactly which criteria they believe weren't met. Make sure your appeal specifically requests that detailed information. A lot of these COVID-era overpayment determinations are being overturned on appeal because TWC can't substantiate their claims or because they're applying current rules retroactively to pandemic claims.
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