TWC denied my backpay after misunderstanding severance rules - single mom desperate
I lost my job on 3/15/25 and filed for unemployment right away. After my waiting period, I requested my first payment but TWC denied it because of my severance package. When I called, the agent explained I shouldn't receive benefits during severance period and should've waited until severance ended before filing. I was dealing with some serious anxiety at that time and misunderstood, thinking I needed to STOP requesting payments until severance ended. My severance payments stopped on 6/18/25. I did some freelance work afterward so I assumed I was ineligible anyway. I'd read that self-employed people don't qualify for unemployment, so I just gave up on getting benefits. My contract ended 7/23/25, and I've been without income since. Fast forward to last week - still jobless and completely broke. My sister mentioned I should still be getting unemployment. I found information suggesting that because I was paying myself as a W-2 employee through my LLC (with unemployment taxes paid), I might still qualify. I called TWC yesterday to check. The representative asked if I wanted to reopen my original claim (which expires in March 2026) or file new. I chose to reopen and asked about backpay for all those weeks I was eligible but didn't request payment due to my misunderstanding. The rep said backpay wasn't possible. Today I called again for clarification, and a different agent immediately said he could see my backpay request was already marked for denial in the system. Is there ANY way to appeal this? I'm a single parent with two kids, my savings are gone, and I'm barely keeping up with rent. Has anyone successfully gotten backpay after missing payment requests due to confusion about the rules? I'm desperate for any advice!
22 comments
Carlos Mendoza
omg I went thru almost the exact same situation!! they make the rules so confusing then blame us when we don't understand everything perfectly. did u get anything in writing when they told u to wait? my experience is TWC rarely approves backpay unless u can prove they gave u wrong info
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Ingrid Larsson
•No, I don't have anything in writing. It was just a phone conversation back in March. I wish I'd written down the agent's name or taken notes during the call. Do you think I should try requesting a formal appeal or is it pointless?
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Zainab Mahmoud
The TWC rule you're running into is called "timely payment requests." You must request payment every two weeks on your assigned day, even if you think you'll be denied. Missing these biweekly requests without good cause will result in losing those benefits permanently. There are only a few acceptable reasons for missing payment requests: 1. Severe illness/hospitalization that prevented you from requesting 2. Death of an immediate family member 3. Natural disaster 4. Documented TWC error (where they specifically told you in writing not to request) Misunderstanding the process unfortunately isn't considered good cause. Your best option is to request a formal appeal, but be prepared with documentation supporting one of the reasons above. Also, make sure you're now requesting payments consistently going forward for your reopened claim.
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Ingrid Larsson
•Thank you for explaining this clearly. I understand the rules now, but it's really frustrating that a simple misunderstanding could cost me thousands of dollars of benefits during months when I qualified and really needed them. I'll definitely file an appeal, but I'm not optimistic.
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Ava Williams
the same thing happend to me last summer and i lost like 8 weeks of benefits. its so stupid how they expect everyone to be experts in there complicated system when most of us never had to use unemployment before!!! ur best bet is to appeal and hope u get a sympathetic hearing officer
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Raj Gupta
•The problem isn't that TWC expects everyone to be experts. The issue is that they clearly explain during the application process that you must request payment every two weeks regardless of circumstances. It's literally in the handbook they send you and all over their website. I understand it's frustrating, but they do provide all the information upfront.
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Lena Müller
You should definitely file an appeal within 14 days of receiving the official denial letter. While the agent can see it's marked for denial in the system, you still have appeal rights after the official determination is issued. In your appeal, focus on these points: 1. You received incorrect guidance from a TWC representative (be specific about the date of call if possible) 2. You were experiencing mental health challenges that affected your understanding 3. You immediately took action once you realized your error Also, if you called TWC during that period and have any phone records showing calls to their number, include those as evidence. Even without the rep's name, your phone records might help your case. One piece of good news: if your claim was reopened and you didn't have to file a new claim, you should still qualify for your previous weekly benefit amount.
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Ingrid Larsson
•Thank you! This is really helpful. I think I can find the date of my original call in my phone records. Do you know how long the appeal process typically takes? And should I include documentation about my anxiety issues from that time period?
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TechNinja
You know what's crazy?? I've been trying to call TWC for THREE DAYS about an issue with my account being locked after ID.me verification and I can't get through! Busy signal every single time!!! How did you even manage to talk to someone TWICE?? I'm about to lose my mind over this.
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Keisha Thompson
•I had the same problem last month! I finally got through using Claimyr.com - it's a service that basically calls TWC for you and puts you in the front of the line when they get through. They have a video demo on how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh Cost me about an hour of time instead of days of constant redialing. Worth it for me because I needed to get my ID.me issue fixed before my payment request deadline.
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TechNinja
•thanks! im gonna check that out right now, im desperate to get this fixed!
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Paolo Bianchi
Unfortunately, this is one of the most common issues people face with TWC. The "continuing to request payment" requirement trips up a LOT of first-time claimants. I work as an employment counselor, and here's what I can tell you: 1. TWC is extremely strict about the payment request timeline. Their position is that they provide this information in multiple places (online instructions, confirmation emails, the claim confirmation letter, and the claimant handbook). 2. For your appeal, you'll want to emphasize that you received specific verbal instructions from a TWC representative that you interpreted as telling you to stop requesting payments. 3. Document your mental health situation if possible - if you were under professional care during that time, a letter from your provider could help. 4. The appeal hearing will be scheduled within 4-6 weeks typically. It's usually done by phone. 5. In the meantime, make absolutely sure you're requesting payments correctly now that your claim is reopened. Mark your calendar with your payment request days. Also, be aware that even if your LLC was paying unemployment taxes on your behalf, you may face additional questions about your self-employment period. Make sure you have clear documentation of when you were doing contract work versus when you were fully unemployed.
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Ingrid Larsson
•Thank you so much for this detailed explanation. I'm definitely going to file an appeal and follow all these suggestions. Do you know if I need an attorney for the appeal hearing, or can I represent myself?
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Paolo Bianchi
•You can absolutely represent yourself - most people do. The hearing officer will guide you through the process. Just prepare your explanation in advance, gather any documents that support your case, and be ready to clearly explain the timeline of events. Be concise and focus on the facts rather than emotions, even though I know it's a stressful situation.
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Carlos Mendoza
Did the TWC rep say anything about how your freelance work might impact your eligibility? When I was on unemployment, I did some gig work and had to report every penny which reduced my benefits. You might want to check on that part too before your appeal.
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Ingrid Larsson
•That's a good point. The rep didn't really go into detail about that. I was paying myself as a W-2 employee through my LLC for about 5 weeks, but the income was pretty minimal - much less than my previous salary. I assume I'll need to report that during the appeal process?
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Zainab Mahmoud
•Yes, you'll need to report that income. Even if you were working through your own LLC, if you were paying yourself as a W-2 employee, TWC will consider that regular employment income. For weeks you had this income, you would have qualified for partial benefits if your earnings were less than your weekly benefit amount. For your appeal, you'll need to be prepared to provide documentation of exactly which weeks you had this income and how much you earned each week.
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Raj Gupta
TWC is actually pretty clear about all of this stuff if you read their materials. The handbook specifically says you MUST request payment every two weeks even if you're receiving severance. I don't mean to sound harsh, but they do provide all this information upfront. When you apply, there's even a certification where you agree that you understand the payment request requirements.
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Ingrid Larsson
•I understand your point, but when you're dealing with job loss, financial stress, and anxiety, it's not always easy to process all the information correctly. When I called and was told I wouldn't receive benefits during severance, I misinterpreted that to mean I should pause requests until severance ended. It was an honest mistake.
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Ava Williams
•wow thats not helpful at all! have u never made a mistake before? when ur stressed and worried about feeding ur kids its easy to misunderstand stuff especially when a actual TWC person tells u something over the phone that sounds like u should wait!!
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Lena Müller
To follow up on my earlier comment - I'd recommend you also: 1. Contact your state representative's office. They often have staff who can help with TWC issues and sometimes get faster responses. 2. Submit a formal appeal as soon as you receive the official denial letter. Don't wait - you only have 14 calendar days. 3. In your appeal letter, be very specific about the date you called TWC, what you were told, and how you understood it. Explain that you were experiencing anxiety that affected your comprehension. 4. Request a phone hearing rather than just a document review. 5. Continue requesting payments every two weeks while your appeal is pending. Finally, if you're still struggling financially, check with local community organizations that might offer emergency assistance while you sort this out. Many counties have short-term help programs for families in crisis.
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Ingrid Larsson
•Thank you! I hadn't thought about contacting my state representative. That's a great idea. I'll start working on my appeal letter today so I'm ready when the official denial arrives. I really appreciate all this advice - it gives me at least some hope that I might be able to get this resolved.
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