TWC mixed income claim question - can I get benefits with both part-time job and self-employment affected by storm?
Hi everyone, I'm in a confusing situation with my income sources. I've been running my own small business (photography) but also working part-time at a local retail store to make ends meet. My part-time job is ending this Friday because our location got damaged in the recent storm. To make things worse, my photography business has taken a major hit too since nobody's booking events right now due to all the storm damage. Can I even qualify for unemployment with this mixed income situation? I'm not sure if TWC considers both income sources or if my part-time work would disqualify me from claiming self-employment losses. Has anyone dealt with something similar? The TWC website is confusing me more than helping.
19 comments
Natasha Kuznetsova
You should definitely apply! Texas considers your combined income sources when calculating benefits. Since both your part-time job AND self-employment were affected by the storm, you have a valid claim. Make sure you have documentation for both income streams - your W2 from the part-time job and Schedule C or other tax docs for your self-employment. When filling out the application, there's a section specifically for reporting multiple income sources. Don't just list the part-time job.
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FireflyDreams
•Thanks for the quick response! I've got my W2 from last year, but my Schedule C might not show how well my business was doing recently. Should I gather other proof like invoices or contracts that got canceled because of the storm?
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Javier Morales
they gonna make u do work search even if u say ur business gonna open back up just fyi
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FireflyDreams
•Oh really? Even if I'm planning to get my photography business back up and running as soon as things clear up? That seems weird since I'm not really looking for a new permanent job.
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Emma Anderson
When I filed last year (different situation, but had both W-2 and 1099 income), the system actually walked me through listing both income sources separately. The tricky part is during the weekly payment request process - you'll need to report ANY income you make from either source during each week. Also, be prepared that your benefit amount might be less than you expect. They have a formula that factors in all your income, but it doesn't always seem fair when you've had multiple sources.
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Javier Morales
•yea they always pay less than what u think u should get lol TWC is cheap af
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Malik Thompson
I went through EXACT same thing during the hurricane last year!!! Part time at dentist office + my own small biz (i do floral arrangements). TWC was IMPOSSIBLE to reach by phone - busy signals for WEEKS!!! I almost gave up but then I found this service called Claimyr that got me through to a TWC agent in like 30 mins! They basically call TWC for you and when they get through, they connect you. Saved me so much frustration! Their website is claimyr.com and they have a video showing how it works here: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh The agent I talked to confirmed I qualified with both income sources affected by disaster. You definitely need to TALK to someone because the online system is confusing for mixed income!!
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Isabella Ferreira
•Sounds like an ad but whatever, worth looking into
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CosmicVoyager
Actually, I work in HR and deal with this stuff. There's a lot of confusion about mixed income claims. Here's what you need to know: 1. Texas UI considers ALL of your income sources when determining eligibility 2. For the part-time job, your employer will receive a notice about your claim 3. For self-employment, you need to document your income loss was directly caused by the storm (take photos of damage, keep canceled contracts, etc) 4. You WILL have work search requirements unless you get a specific disaster exemption 5. When you apply, make sure to indicate both income sources were affected by the same qualifying event (the storm) The system isn't really designed well for mixed income situations, but legally you're entitled to benefits if both income sources were affected by the same qualifying event.
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FireflyDreams
•This is really helpful, thank you! I'll gather documentation for both income sources. Do you know if there's a specific disaster code or something I should mention when applying? The storm hasn't been declared a federal disaster yet in my county.
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Ravi Kapoor
TWC sucks for self employed ppl!!! I tried to get benefits during COVID when I couldnt do massage therapy & even tho they had special pandemic program they kept asking for forms I didnt have!!! Wasted 2 months before I got ANY money. And YES they made me do 5!!! work searchs every week even tho I was planning to go back to my business. System is BROKEN
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CosmicVoyager
•The system is definitely flawed, but the work search requirements do make sense from a certain perspective. TWC's position is that if you can't earn income from your current sources, you should be looking for other opportunities. That said, they should really have better guidance for self-employed individuals planning to restart their businesses.
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Emma Anderson
Based on your situation, it sounds like you'd qualify for what TWC calls a "partial unemployment" claim initially (from losing the part-time job), potentially transitioning to a full claim depending on how your self-employment income is affected going forward. One important thing: document EVERYTHING about how the storm affected your photography business. Take photos of damaged equipment if applicable, keep emails/texts from clients cancelling due to the storm, and maintain a log of expected income lost specifically because of storm impacts. One last tip - when you call TWC (and you will need to call them for a mixed income situation), select the option for "help with an existing claim" rather than "file a new claim" - even if you haven't filed yet. The wait times are usually much shorter.
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FireflyDreams
•That's a really smart tip about which option to select when calling! I'll definitely do that. And I'll start documenting everything today. I have several emails from clients who cancelled events that were scheduled for the next two months, so I'll save all of those.
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Natasha Kuznetsova
Just thought of something else - make sure you accurately report your last day of work for your part-time job. Even though you know it's ending Friday, your "last day worked" is literally the last day you physically worked. This matters for when benefits can begin.
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FireflyDreams
•Good point! My last physical day in the store will be this Friday. I'll make sure to use that exact date.
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Javier Morales
u gonna get less $ than u think just warning u now lol
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FireflyDreams
Update: I applied yesterday and listed both income sources. The online system was confusing but I managed to get through it. Now my claim status says "under review" and mentions something about determining my "base period wages" - whatever that means. Guess I'll be making some phone calls to figure out what's next. Thanks for all the advice everyone!
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CosmicVoyager
•"Base period wages" refers to how they calculate your benefit amount - they look at your earnings over the first four of the last five completed calendar quarters. This is why documentation is so important. Since we're in Q2 of 2025 now, they'll look at your income from January-December 2024. The "under review" status is normal while they verify both income sources.
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