5 Best Places to Find Insurance for Freelancers

According to the U.S. Bureau of Labor Statistics, 10 million workers are self-employed in the country. Being a self-employed worker can be liberating, but it also means you’re your own HR department, too. One of the biggest challenges you’ll face is finding affordable insurance options.

With a traditional employer, you had a limited array of health insurance options, and you might’ve had access to a team that could help you understand the paperwork and process. Now that you’re on your own, you’ll also have to navigate this maze on your own.

It won’t be easy, but we can help lessen the burden a bit by helping you learn about your options.  

Pros Cons
Online Insurance Marketplaces Lots of options to choose fromCan get personalized help in finding the right plan Sellers might be biased and offer a plan that’s not right for you
Affordable Care Act Marketplaces Might qualify for subsidies to lower costCan find out if you’re eligible for Medicaid/ CHIP/ other low-cost insurance optionsGuaranteed coverage for essentials Can only enroll at certain times of year or after certain eventsCosts can be high if you don’t qualify for subsidies
Short-term Health Insurance Low cost Doesn’t cover essentialsDoesn’t cover pregnancy Doesn’t cover pre-existing conditionsMight not available in your state
Through a Spouse or Domestic Partner Low cost  Not available for single peopleMight have to pay more than your spouse/partner for coverage
Freelancers Union or Other Associations Might be able to get lower rates through a group plan Might not have as many options available

1. Online Insurance Marketplaces

Insurance marketplaces (also known as “brokers”) are for-profit companies that sell Affordable Care Act (ACA) exchange plans and non-ACA plans. It provides you with more information and assistance than going through the ACA exchange on your own. There’s no cost to use an online marketplace; instead, it gets a kickback from the insurance companies when it sells you an insurance plan. 

That kickback can be up to an average of $20/month depending on where you live, according to the Kaiser Family Foundation. That’s not chump change so brokers might present you with biased estimates. When you’re working with a broker, it’s important to ask them whether they’re presenting you with all of the options available on the Affordable Care Act marketplace, and if not, why not. 

PolicyGenius

PolicyGenius is one of the largest and easiest-to-use online insurance marketplaces. In addition to health insurance, you can also get quotes for life insurance, homeowners insurance, auto insurance, renters insurance, disability insurance, and more. 

To learn about insurance plans that might be right for you, choose the type of insurance you’re looking for on the homepage. Then, enter your zip code, county, and email address to see the list of plans and carriers available to you.

eHealth

eHealth offers health insurance plans from over 180 companies. It’s also heavily focused toward Medicare and can help you figure out your options for this unique health insurance program. To see an immediate list of insurance plan options, select the type of insurance you’re shopping for and enter your zip code.

HealthMarkets.com

Speaking to a live agent can help you better understand which plan is right for you. But if you’re not ready to take that step, HealthMarkets offers a short survey instead. Once you’ve completed the survey, it compares your responses to multiple plan coverages and generates a “FitScore” for each plan that’s tailored to you. The FitScore can help you easily see which insurance plan fits your needs the best.  

2. Affordable Care Act Marketplace

The Affordable Care Act is the biggest government initiative in recent years that tries to address how people — including freelancers — get affordable health insurance. The ACA created a central health insurance marketplace that’s run by either your state government or the federal government, depending on where you live.

Your options on the ACA marketplace are graded according to a set of metal tiers:

Plan tier 2020 average premium1 Insurance company pays… You pay…
Bronze $331 60% 40%
Silver $442 70% 30%
Gold $462 80% 20%
Platinum $501 90% 10%
1This is a nationwide average for the cheapest plan at each tier level. 

It’s important to note two things here: first, the cost varies widely across the country. For example, the cheapest Bronze plan for one person costs an average of $219 in Rhode Island, but $552 in West Virginia. 

Second, these numbers might shock you. If you’re a four-person family in West Virginia, for example, paying $2,208 per month on health insurance might seem like the opposite of affordable, and it is. 

But one of the best features of the ACA is that depending on your income, you might qualify for subsidies that’ll help bring your actual cost down to an affordable level. You’re also notified if you qualify for Medicaid, CHIP, or other free or low-cost health insurance options.

To sign up for an ACA plan you’ll need to wait until the open enrollment period each November through December for plans that start in the new year. If you have a “qualifying life event” (see below), you can also sign up at any time:

  • If you lose your existing coverage (e.g. if you lost your job)
  • If you have a change in your household (e.g. getting married)
  • If you move to a new area
  • If you have a big income change, become a member of a tribe or become a U.S. citizen, leave AmeriCorps service, or leave jail or prison

3. Short-Term Health Insurance

Short-term health insurance plans are different from ACA plans because they’re not as tightly regulated. For example, they generally don’t cover preventative healthcare like annual doctor’s visits, pregnancy care, or prescription drugs. 

They also come with high deductibles and carriers impose dollar limits for payouts. This type of plan is best as a temporary stop-gap measure for protection, if you get really sick or have a major accident while you’re in-between better insurance plans. 

In fact, these plans are so consumer-unfriendly that they’re banned or heavily regulated in many states. Short-term health insurance plans are usually around 20% of the cost of a low-level Bronze plan, according to one Kaiser Family Foundation survey. But remember: if you need to see a doctor, it might cost you a lot more than if you purchased a full health care plan from the ACA marketplace or another source. 

4. Through a Spouse or Domestic Partner

Not everyone has this option, but if you do, it’s generally the best way to get insured as a freelancer. Employers can provide health insurance at affordable rates for their employees, and often, their employee’s family members, too. 

You might have to pay an additional fee to be included on your spouse or partner’s plan. But it’ll usually be much cheaper than finding your own plan through a broker or the ACA exchange without a subsidy. If you’re not married but you’re in a partnership you can check with your partner’s employer to see what’s required to qualify as a “domestic partner” for insurance purposes. 

5. Freelancers Union or Associations

Professional associations can often get similar discounts that employers receive. The Freelancers Union (an unofficial union), for example, offers options for health insurance, vision insurance, and dental insurance for freelancers. 

Like so many other insurance-related rates, the actual cost of these plans depends on where you live. The Freelancers Union doesn’t charge a membership fee, but other organizations do. If so, you’ll need to weigh the cost of a membership fee against any potential savings you might get from buying health insurance through an association.

Finding the Best Health Insurance for You 

The biggest factor to consider when shopping for health insurance plans as a freelancer is what your needs are. 

For example, if you’re trying to start a family, you’ll want to avoid short-term health insurance plans that don’t cover pregnancy expenses. If you have a chronic illness and need health care more frequently, choosing a “cheap” Bronze health insurance plan can actually cost you more over the long run because these plans offer minimal coverage. 

It’s not always easy to know what kind of health services you’ll need in the upcoming year. Some events, like a major car accident, can’t be planned. But if you focus on the kind of health services you need today, and compare multiple health insurance plans from different carriers, you’ll find there are many health insurance options for freelancers. 

The post 5 Best Places to Find Insurance for Freelancers appeared first on Good Financial Cents®.

Source: goodfinancialcents.com

20 Money-Saving Auto Insurance Discounts

If you own a car or truck, you know it can be expensive. Your loan payment, ongoing maintenance, fuel, taxes, and auto insurance can take a big chunk of your budget. According to a 2019 AAA study, the average cost to own and operate a new vehicle was $9,282 per year.

When you consider just auto insurance, the most recent data from the Insurance Information Institute shows that the average cost is $936 per year nationwide. However, where you live significantly affects your rate. New Jersey drivers pay the most, $1,309, and Iowa drivers pay the least, $628 per year.

Many personal attributes get factored into your base car insurance rates that you can't change. They include where you live, if you’re a homeowner, your age, gender, marital status, and credit rating.

Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.

However, when it comes to getting auto insurance discounts, you have more control. Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.

In this post, we’ll review 20 auto insurance discounts that can easily save you money. What’s available depends on your insurer and the state where you live.

But even if you only qualify for a few insurance discounts, they can add up. Then you can put your savings toward something more rewarding, such as taking a vacation or boosting your emergency fund.

20 Money-Saving Auto Insurance Discounts

See how many of the following discounts you qualify for.

1. Safe Driver Discount

Your driving history plays a significant role in how much you pay for car insurance. It makes sense that auto insurers love safe drivers and are willing to reward them for being claim-free.

If you have a clean record with no moving violations or at-fault accidents over the past three to five years, most insurers typically give you a nice discount.

Potential savings: 10% to 20%.

2. Educated Driver Discount

But what if you don’t have a squeaky-clean driving record? You may be able to redeem yourself by passing an in person or online defensive driving course. Insurers know that boosting your education and skills can make you a better driver.

Potential savings: 5% to 15%.

3. Affiliation Discount

Did you know that belonging to a particular group can qualify you for a car insurance discount? Depending on your insurer, it’s likely that they have hundreds of different partner organizations that allow members to get a break on the cost of car insurance.

They may include alumni associations, education organizations, certain fraternities or sororities, honor organizations, and recreational groups.

Potential savings: 5% to 10%.

4. Occupation Discount

There are also auto insurance discounts if you work in specific industries or occupations, such as being in the military, a teacher, medical professional, or government employee. Also, members of professional associations, such as unions and state bar associations, often qualify for reduced rates.

Potential savings: 5% to 15%.

5. Good Student Discount

An often-overlooked car insurance discount is for students who make good grades. You typically qualify if you’re in high school, college, or graduate school (up to age 26) and have at least a “B” average.

Insurers consider good students less of a risk when they’re behind the wheel. So, parents shouldn’t miss the opportunity to make it more affordable to insure their young drivers.

Potential savings: 10% to 25%.

6. Distant Student Discount

Another way to cut the cost of insurance for students who live away from home, no matter their grades, is to request a distant student discount. It applies if a student lives at least 100 miles away from home and doesn’t have an insured vehicle with them on campus. They’ll be covered when they come home for breaks, but at a reduced rate.

Potential savings: 5% to 25%.

7. Low Mileage Discount

Maybe you’re driving less for a new job or keeping a car in the garage more often. If your driving patterns change, be sure to let your car insurance company know. Vehicles that are on the road less have fewer claims, and that earns you a substantial insurance discount.

Potential savings: 5% to 15%.

8. Usage-Based Discount

Many insurers offer usage-based insurance or UBI, which adjusts your rate based on how you drive. Data may be collected using a device that you keep in your vehicle or that gets reported from a smartphone app.

UBI programs evaluate different driving behaviors such as the time of day you drive, your average speed, how hard you brake and corner, and your mileage. If you’re considered a safe driver, your discount gets applied at renewal.

Potential savings: 5% to 40%.

9. Loyalty Discount

Every auto insurer wants to retain existing customers and give you every reason not to switch. Being loyal to one company for at least a few years often results in substantial savings.

Potential savings: 10% to 25%.

10. Multi-Car Discount

If you have more than one vehicle in your household, insuring all of them with the same company usually gives you a multi-car discount. Insurers offer incentives to make sure they get as much of your business as possible.

Potential savings: 10% to 25%.

11. Bundling Discount

In addition to insuring more than one vehicle, getting different types of coverage with the same insurer is known as bundling or a multi-line discount. Many insurers cover more than just cars. You could get auto and homeowner, renters, or life insurance with the same company and score savings.

Potential savings: 5% to 15%.

12. Paperless Discount

Some insurers offer a discount if they don’t have to mail paper documents, such as your policy description and bills. Merely electing to be a paperless customer can qualify you for a small discount. You can get your information by email or an online account.

Potential savings: 3% to 5%.

13. Full Payment Discount

Instead of making monthly or semi-annual auto insurance payments, paying your entire annual premium upfront may qualify for savings.

Potential savings: 5% to 10%.

14. Automatic Payment Discount

Also, signing up for automatic premium payments using automatic withdrawals from your bank account can help you save a small amount.

Potential savings: 3% to 5%.

15. Online Quote Discount

Some auto insurers offer a discount if you sign up for a policy after getting an online quote. You could shop directly on a carrier’s website or an aggregator site, such as Bankrate.com.

Potential savings: 5% to 10%.

16. Switching Discount

Just like your existing auto insurer wants to keep you, others want to entice you. A switch or transfer discount is a promotional offer that cuts your rate for a time after you sign up with a new carrier.

Potential savings: 5% to 15%.

17. New Car Discount

If you purchase a new vehicle or one that’s less than three years old, many auto insurers offer a discount. Newer cars typically have modern safety features that reduce the likelihood that you’ll make a claim.

Potential savings: 5% to 10%.

18. Anti-Theft Discount

Car insurance companies want to help you prevent car theft, so most offer discounts for having any device, feature, or system that helps keep criminals away from your car. They could be factory-installed or an after-market product that you install.

Examples of systems that may lower your insurance rate include a GPS-based location system, such as OnStar, or a theft recovery system, such as LoJack. VIN etching, which is a permanent engraving of your vehicle’s identification number on the windshield and windows, may also qualify you for a discount.

Potential savings: 5% to 20%.

19. Safety Features Discount

Cars with modern safety features, such as anti-lock brakes, airbags, and rear-view cameras, are less likely to get in an accident and cost an insurer. So be sure to let them know every on-board safety device in your vehicle.

Potential savings: 5% to 30%.

20. Mature Driver Discount

If you’re at least age 55 and pass an in-person or online defensive driving course, you can qualify for a discount. Insurers know that maintaining good driving skills reduces your risk and makes you less likely to file a claim. Most insurers offer a mature driver discount in many states.

Potential savings: 5% to 30%.

Understanding Auto Insurance Discounts

The savings you get from auto insurance discounts are typically capped. For example, an insurer may only allow a total discount of 40% off your base premium, even if you qualify for multiple discounts.

You don't have to wait until your auto insurance policy is up for renewal to compare quotes.

Also, it’s important to remember that not all discounts are applied to your rate automatically. You may have to ask for discounts that an insurer wouldn’t know you qualify for, such as getting a new job or having a driver in your family who qualifies for a good student discount. And not every insurer may offer all of the discounts we’ve covered.

Auto insurance prices vary from company to company, and they can even change from month to month. You don't have to wait until your auto insurance policy is up for renewal to compare quotes. So, if you haven’t reviewed your car insurance lately or it’s been a while since you’ve shopped policies, you may be leaving money on the table.

Source: quickanddirtytips.com

3 Things Rideshare and Delivery Drivers Should Know About Car Insurance

A woman drives her car.

Food delivery and ridesharing are great ways to earn extra income. The market for food delivery has increased as restaurants have had to adapt to COVID-19 precautions, and just about everyone could use some extra income as we continue to navigate life during a pandemic.

If you’re considering joining a food delivery or rideshare company as a driver, you need to be sure you have the right insurance coverage. If you’re in an accident, you want to be able to replace your car or fix it so you can keep working.

As you review your car insurance, here’s what you need to know:

You have a coverage gap

Rideshare and delivery companies offer some insurance coverage while you are on your way to pick up passengers or food and while you are transporting passengers or food. However, when you have your app on and are waiting to accept a delivery, neither your personal car insurance or your rideshare company offers coverage. 

If you are in an accident while you’re waiting to accept a job, you won’t have any insurance coverage. You’ll be on your own for covering the resulting costs and may have to deal with other issues.

Look for an insurance policy to cover the gaps

To protect yourself and cover this gap, you’ll want to purchase an additional policy or a policy that adds rideshare coverage to your personal policy. These policies and riders are commonly called rideshare insurance. However, they are commercial auto coverage policies that offer insurance coverage when you use your car for business.

Choose a reliable and highly rated insurer for your policy. Check the insurer’s financial strength to gauge the company’s financial stability and ability to make claims payments. Reading customer reviews can give you a sense of the customer experience with the insurer, which can also help you find a good company.

As you shop for policies or riders that can be added to your personal auto coverage, you can use companies like Policygenius to compare policies across multiple insurers. The ability to compare quotes and policies quickly and efficiently makes it easier to find a good deal. This can also be beneficial if you’re also shopping for personal auto insurance coverage.

Before you buy a policy, understand how it works:

  • What is the deductible? This is the amount you’ll pay before the insurer starts to pay for covered damage.
  • How much is the premium? This is the monthly fee you pay for insurance coverage.
  • Does the policy have a benefit maximum? This is the most an insurer will pay. Once this limit is reached, the rest of the expenses are your responsibility.
  • What coverage is offered—collision, liability, comprehensive, medical payments, income loss, etc.? Car insurance policies are highly customizable because you can choose how much and what kind of coverage to buy.

Car insurance requirements vary by state. Liability coverage for property damage and physical injury is most commonly required. Some states require additional coverage for uninsured or underinsured motorist insurance or Personal Injury Protection (PIP). PIP coverage offers coverage for lost wages according to your policy’s terms.

Making a claim for lost wages will depend on whether your state is an at-fault or no-fault state. You may need to file a claim with the other driver’s insurance, use your uninsured or underinsured motorist insurance, or PIP coverage.

Keep in mind that you typically have to have the same level of coverage on your personal insurance as you do with your rideshare coverage. Knowing the cost and kind of protection offered by your policy will help you find one and choose coverage that will meet your needs.

Communicate with your personal car insurance carrier

If you’re driving for hire and do not communicate that to your car insurance company, you could lose your coverage. Insurers can end your policy and no longer offer you coverage if you don’t communicate clearly about your car usage. 

While communicating and getting commercial auto coverage added to your policy can cost more, you’ll be better protected if you have the right coverage and won’t have to worry about your insurer rescinding the policy. Communicating with your car insurance company about how you’re using your car will ensure that you have the coverage you need, which will give you peace of mind and benefit you in the long run.

Set yourself up for success

Before you sign up with a food delivery or rideshare service, understand what coverage your company offers and where the coverage gap is. This will help you know what to look for as you evaluate rideshare or commercial auto insurance policies.

If you’re happy with your current auto insurance provider, start by asking them what they offer. You can also compare what your current insurer provides with what other insurers are offering to check that your company is competitive.

Purchasing insurance to cover the gap will give you peace of mind and financial protection if you’re in an accident. It will also protect your car, which is essential to your ability to work as a rideshare or food delivery driver.

The post 3 Things Rideshare and Delivery Drivers Should Know About Car Insurance appeared first on Credit.com.

Source: credit.com

What Is a Life Underwriter Training Council Fellow (LUTCF)?

Underwriters' meetingNew insurance agents can get a grounding in the basic skills, such as underwriting, needed to succeed in the field by becoming a Life Underwriter Training Council Fellow (LUTCF). After completing the required training, agents will have greater expertise in prospecting, selling, practice management as well as insight into practice specialties including life and health insurance, employee benefits and annuities. Having a LUTCF also can aid new agents in acquiring a job with an agency and in marketing themselves to prospective clients.

The LUTCF is overseen by the National Association of Insurance and Financial Advisors (NAIFA). The training and testing are provided by education company Kaplan through its College for Financial Planning division.

LUTCF Certification Requirements

The core of the certification requirements for the LUTCF is a set of three courses. Each course consists of eight weeks of instruction followed by a week for review and testing.

The first course is an introduction to life insurance and managing a life insurance practice. It covers business planning, ethics, life insurance product basics, risk management, prospecting, selling skills and financial planning.

The second course goes deeper into life insurance as well as annuities, mutual funds and insurance for health, disability, long-term care, group coverage and property and casualty. Risk management, retirement and estate planning are among the subjects covered in the third course.

The third course deals with risk management applications. It covers retirement and estate planning as well as special situations.

The courses are available as self-paced prerecorded lectures. They are also taught live and via interactive online classes. After completing each of the three courses, students must pass a two-hour test. To pass, they must correctly answer 70% of the 50 questions on each test.

The training costs $950 per course for a total of $2,850. The only prerequisite for the LUTCF is to belong to NAIFA, which has a sliding membership fee scale. People in their first year in financial services pay $10 to belong to NAIFA. The fee increases annually until it reaches $56 a year after a member has five years of experience in the field.

After receiving the designation, LUTCF designees can renew it by paying a $50 renewal fee every two years. As part of the renewal process, they also have to demonstrate that they have completed three hours of ethics continuing education every two years. In addition, LUTCF holders must agree to follow standards of professional conduct and be subject to a disciplinary process.

LUTCF Holder Jobs

Insurance worksheetsLUTCF seekers are usually insurance agents at the start of their careers. They may be interested in obtaining the designation as a way to convince potential employers of their commitment and knowledge about the life insurance industry. Having the LUTCF initials on a business card is also seen as an aid in marketing to prospects. The LUTCF is an optional certification and does not confer any specific powers or privileges on holders.

The designation has been around since 1984 and approximately 70,000 people have earned an LUTCF during that time.

Comparable Certifications

There are only a few entry-level certificates available to life insurance agents. In addition to the LUTCF, new agents can choose from:

Financial Services Certified Professional (FSCP) is offered by the American College of Financial Services, which originally co-sponsored the LUTCF with NAIFA. In 2013 the organizations ended their association and the American College of Financial Service began offering the FSCP. It requires passing seven courses on financial services and ethics topics at a combined cost of $3,230.

Registered Financial Associate (RFA) is a designation from the International Association of Registered Financial Consultants. It is offered to agents and other financial professionals who have already received a life insurance license, Series 65 securities license, bachelor degree in a related field or any of a number of professional designations, including a LUTCF. RFAs also have to pay a $250 fee. The only requirement other than that is to pass an examination on the organization’s code of ethics for financial professionals.

Bottom Line

Business meeting

The Life Underwriter Training Council Fellow (LUTCF) certification is one of the first designations sought by beginning life insurance agents. To get one, students have to learn about life and other forms of insurance, mutual funds, annuities, employee benefits and financial advising, in addition to managing a life insurance business, prospecting and selling.

Tips on Insurance

  • A consumer considering purchasing life insurance can increase the chances of making a good decision by having a relationship with a trusted and experienced financial advisor. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in five minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Entry-level designations for financial services professionals like the LUTCF indicate that an advisor is interested in learning about the field and following best practices. More advanced certifications such as Chartered Life Underwriter and Certified Financial Planner are likely to indicate that a professional is a more experienced and well-informed source for financial advice.

Photo credit: ©iStock.com/FangXiaNuo, ©iStock.com/hfng, ©iStock.com/jhorrocks

 

The post What Is a Life Underwriter Training Council Fellow (LUTCF)? appeared first on SmartAsset Blog.

Source: smartasset.com

How to File for Pandemic Unemployment Assistance in Every State

Note: This article has been updated to reflect the new programs and provisions in the second stimulus package.

For the first time nationally, independent contractors and gig workers can receive unemployment benefits — through Pandemic Unemployment Assistance. Millions of Americans have relied on this program since it was created by the first stimulus package in March 2020.

Depending on your state, PUA effectively expired on Dec. 26 or 27. At the 11th hour, lawmakers rallied to pass a second stimulus package, extending the program for 11 weeks. However, some states had to pause making PUA payments as they implemented the new rules.

The Penny Hoarder looked at the application process in all 50 states, plus Washington, D.C. when the program was first created. We compiled the information into an interactive map that shows you how to file in each state, then updated the information based on new provisions laid out in the second stimulus package.

This guide will explain everything you need to know about Pandemic Unemployment Assistance.

What Is Pandemic Unemployment Assistance?

  • How the Second Stimulus Package Changes PUA
  • A 50-State Interactive Map to Help You Apply for PUA
  • Documents Needed to File for PUA
  • This $300 boost is known as Federal Pandemic Unemployment Compensation (FPUC).

    [Back to top ↑]

    How the Second Stimulus Package Changes PUA

    Initially, the CARES Act authorized PUA payments for a maximum of 39 weeks. The second stimulus package extended PUA to 50 weeks total — or 11 extra weeks.

    PUA now sunsets on March 14, 2021, unless extended by Congress and the Biden administration. Those who haven’t exhausted their PUA benefits as of March 14, 2021, may continue receiving benefits until April 5, 2021.

    One new and notable limitation: PUA used to be available retroactively as far back as January 2020. The new stimulus law tightens the window for retroactive PUA payments to Dec. 1, 2020, through March 14, 2021.

    All PUA recipients should be expecting to file more paperwork, too. To curb fraud, the second stimulus deal forces current and new PUA recipients to submit documents related to employment or self-employment, according to the DOL.

    The exact documents needed will be determined by your state agency, which is required to notify you. The deadline to file those documents is March 27, 2021. Defer to your state’s deadline if different.

    [Back to top ↑]

    How to File for Pandemic Unemployment Assistance, State by State

    Our interactive map includes PUA filing instructions for all 50 states and Washington, D.C.

    Based on The Penny Hoarder’s analysis, 35 states and D.C. process PUA applicants using the same application for general unemployment. Only 15 states have separate PUA applications.

    Here’s how we broke it down on the map.

    General Unemployment

    To determine PUA eligibility, most states funnel applicants through the Unemployment Insurance system first. Those states require you to file two applications: state unemployment first, then PUA.

    In such states, you must get denied Unemployment Insurance (UI) before applying for PUA. Only a handful of states have one streamlined, general unemployment application that determines your eligibility for both PUA or regular benefits.

    For simplicity — and because in both instances your first step is filing a general unemployment claim — both methods are categorized as “general unemployment (UI)” on the map, in dark  blue.

    To see if you need to file two applications or one streamlined version, click your state on the map for specific filing instructions.

    PUA

    States marked in light blue have a PUA application separate from the regular Unemployment Insurance system. If you are a resident of one of these states, you can file for PUA directly so long as you meet the eligibility criteria.

    [Back to top ↑]

    FROM THE MAKE MONEY FORUM
    Passive Income Strategies
    Theodora
    Help
    Losing everything
    Need Help: Prices for Personized Poems
    N
    See more in Make Money or ask a money question

    Documents Needed to File for PUA

    If you’re ready to file for Pandemic Unemployment Assistance, you’ll need to gather several types of identification- and income-related documents.

    Your state may require a few additional documents, but here’s an overview:

    • State-issued ID card.
    • Social Security Number or Alien Registration Number.
    • Mailing and residential address (if different).
    • Bank account information for direct deposit, otherwise your benefits will arrive via a prepaid debit card or check.
    • Tax return: Form 1040, Schedule C, F and/or SE.
    • As many income statements as possible: bank receipts with deposit information, 1099 forms, W-2s, paycheck stubs, income summaries and business ledgers.

    Income statements and related documents are crucial to proving how and when the coronavirus affected your earnings. For freelancers and independent contractors, it may be difficult to compile everything. Include as much as possible.

    [Back to top ↑]

    Pro Tip

    Depending on which gig app you use and how much you earned, you may not have received any 1099 income forms in the mail. In that case, log on to the app and download your income statements.

    Expect Delays

    Due to new rules outlined in the second stimulus package, state labor departments are once again scrambling. Hiccups should be expected while applying for, asking about or submitting documents related to PUA. Many gig workers and independent contractors warn of website crashes, unavailable customer service, confusing questionnaires and more.

    Perseverance is key.

    Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, entrepreneurship and unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

    This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

    Source: thepennyhoarder.com

    Firestone Ac Check Coupon

    I get only a few miles from Firestone and my car starts smoking, really bad! I took it back to Firestone and I told ** what was going on, he listened to me. They corrected the problem. On this past …

    In a helpful article, Firestone explains some key points … which means if you want to plug it into a wall outlet to charge it, you must purchase an AC-to-USB adapter. NOCO offers a one-year limited …

    Firestone Tires Coupons -  Download Firestone Tires Printable Coupon Firestone Ac Check Coupon – allspecialcoupons.com. $100 off firestone ac check coupon – allspecialcoupons.com. $100 off Firestone A/C performance check coupon march 2018. 0 off Offer ends: April 4, 2018 | Coupon Offer: $19.99 Firestone A/C Performance Check Coupon – They will check for worn hoses and seals & test your system for pressure leaks or contamination.

    Radiator Services Near Me Average Price For Car Inspection 2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as
    Free Car Service Check Nissan India said that the check-up camp commences from April 15 to May 31, 2019 across the Nissan and datsun authorized dealerships in India. The company added that the camp will offer a free top … 2007 chrysler pacifica Oil Type The Google sibling has cleared the way to beat its nearest rivals, General Motors

    AC PERFORMANCE CHECK. At Firestone Complete Auto Care, all AC repair and AC services are handled by ASE-certified technicians.They have also completed training through EPA-approved AC programs.Your car is in good hands with these expert auto technicians, and they will examine your car’s A/C system to see if there is a leak – and if there is …

    Check out these videos breaking down the latest news and action in sports, including whether Ohio State could face NCAA sanctions in the domestic abuse case that prompted the Buckeyes to put head …

    Firestone Ac Check Coupon – allspecialcoupons.com $50 off Get Deal Firestone Auto Care Coupons & Discounts Up to $50 off. $50 off Maintaining your car or truck can prevent costly repairs down the road, and firestone promo codes make maintenance even more affordable.

    Wolf, who was media director at Carl Ally, Inc. The area managers, Mr. Kelly said, will he able to check the activities of the competition … pany has also assigned him the national advertising ac …

    WEST POINT, N.Y. (AP) — The parents of a 21-year-old west point cadet fatally injured in a skiing accident can use his frozen sperm to produce a child, a judge ruled while noting potential ethical

    Average Price For Car Inspection 2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as one of the automaker’s most

    coupon valid: march 1 – april 4, 2018 Coupon Offer: $19.99 Firestone A/C Performance Check Coupon – They will check for worn hoses and seals & test your system for …

    Free Car Service Check

    Get a FREE VIN CHECK Auto Report for ANY Car Better than Carfax Nissan India said that the check-up camp commences from April 15 to May 31, 2019 across the Nissan and datsun authorized dealerships in India. The company added that the camp will offer a free top …

    2007 Chrysler Pacifica Oil Type The Google sibling has cleared the way to beat its nearest rivals, General Motors Co. and a couple of other players, by at least a year to introduce driverless cars to the public A deal reached in … This year, there were 60 to 70 models, depending on whether the count includes station wagons jacked
    Average Price For Car Inspection 2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as one of the automaker’s most
    A/c Evacuation And Recharge mobile air conditioning evacuate and recharge at home or office. When your car’s interior isn’t cool enough for comfort, then a mobile air conditioning evacuate and recharge service may be the most convenient option to cool down your vehicle. They may undercharge or overcharge the system—both of which impair system performance. evacuation and recharge service

    Sina Car Removals Will Offer Top Cash For Scrap Cars, Trucks, Vans, Busses, Utes & 4x4s. We buy all conditions such as damaged, old, unwanted & dead. We pay up to $10,000 instant cash for all your Vehicle. We have the best car removal service in Perth. Call us to see how much your car is worth.

    Faliza Abdul Latiff, 60, who will be going on long trips to visit friends and relatives, said: “My car is quite old. My …

    Where will I select the in-car delivery option when I am shopping on Amazon? Once you have completed setup within the Key App, shop as you normally do on Amazon.com or the Amazon mobile shopping app. add eligible items to your cart and proceed to checkout where you will see your delivery options, including an option to receive your package in-car.

    2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as one of the automaker’s most complete and well-rounded cars.

    In addition, military customers who schedule an appointment from May 23-27 for any service before June 13 will receive a free car care check as well as 10% off of Goodyear tires. This discount can be …

    free car check. Vehicle tax and MOT check. View performance and technical information. Just enter your registration to view your vehicle details.

    Radiator Services Near Me

    Average Price For Car Inspection 2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as one of the automaker’s most

    firestone radiator flush AND REPAIR SERVICES. A car’s radiator has the important task of keeping the engine cool. radiator repair and maintenance is essential to the health of your engine and your vehicle. The most common radiator repairs involve simple part replacement and radiator …

    Free Car Service Check Nissan India said that the check-up camp commences from April 15 to May 31, 2019 across the Nissan and datsun authorized dealerships in India. The company added that the camp will offer a free top … 2007 Chrysler pacifica oil type The Google sibling has cleared the way to beat its nearest rivals, General Motors
    A/c Evacuation And Recharge mobile air conditioning evacuate and recharge at home or office. When your car’s interior isn’t cool enough for comfort, then a mobile air conditioning evacuate and recharge service may be the most convenient option to cool down your vehicle. They may undercharge or overcharge the system—both of which impair system performance. Evacuation and recharge service

    Social services became involved after she called Childline about … Pitt would attack her regularly, Stacey says. "He tied me to the radiator for days once cos he wasn’t happy with me. I was on the …

    radiator repair 2 Checking over my daughter’s car, she has a tank with a screw-on cap, and I can’t find any other way to check the radiator …

    Find the best Radiator Services near you on Yelp – see all Radiator Services open now. Explore other popular Automotive near you from over 7 million businesses with …

    Finding a Real Radiator Repair shop If you’re looking for a radiator repair shop you’re in luck. We have just the right suggestion to help you find a real radiator repair facility near you. There is a lot of confusion out there about radiator repair and when you try to find a repair shop most of what you will find is […]

    Q: What services and products does Aberdeen area radiator offer? A … A: I am currently working alone, but I do have someone in training to help me out — hopefully, in the near future, as my business …

    but the customer service made stopping by Jebens a community experience. Ted Slowik/Daily Southtown “You could always count …

    Average Price For Car Inspection

    2006 Audi A4 Battery The Star-Ledger reports, "When her mother returned home at 2:45 p.m., Paige Aiello was gone and had taken her mother’s 2006 grey Audi A4 without permission … far north as Haverstraw or as far south … The 2019 Audi A4 is hiding in plain sight as one of the automaker’s most complete and well-rounded cars.

    While the prices for a car inspection aren’t set in stone, you should be able to find a mechanic to inspect your car reasonable rates and professional service with a little research. Editor’s note: This is an updated version of an article originally posted on June 17, 2013.

    2007 Chrysler Pacifica Oil Type The Google sibling has cleared the way to beat its nearest rivals, General Motors Co. and a couple of other players, by at least a year to introduce driverless cars to the public A deal reached in … This year, there were 60 to 70 models, depending on whether the count includes station wagons jacked
    2010 Cadillac Srx Oil Change View and Download Cadillac SRX 2010 owner’s manual online. srx 2010 automobile pdf manual download. View and Download Cadillac SRX 2010 owner’s manual online. SRX 2010 Automobile pdf manual download. Find the best oil and filter for your 2011 CADILLAC SRX (3.0L 6 -cyl engine code [Y] LF1 Z) and get free shipping. 2006 Chevy

    The average cost for a pre-purchase car inspection is between $105 and $134. Labor costs are estimated between $105 and $134. Estimate does not include taxes and fees.

    A potentially catastrophic level with the potential to not only cost millions of dollars … in a statement. The false …

    Inspection Lesson | What to Look for When Buying The average cost of a car inspection in New York State is $21. The actual cost varies depending upon several factors. Heavy vehicles, for one, cost more to inspect.

    A/c Evacuation And Recharge mobile air conditioning evacuate and recharge at home or office. When your car’s interior isn’t cool enough for comfort, then a mobile air conditioning evacuate and recharge service may be the most convenient option to cool down your vehicle. They may undercharge or overcharge the system—both of which impair system performance. Evacuation and recharge service

    15 rows  · Cost of Inspection. One Year Safety $7.00 $7.50 Safety Only (vehicles 25+ years) $7.00 …

    Ink fingerprinting is required for some job applications and vehicle inspections are required for vehicle tags and titles. The cost for fingerprinting is $5. There is no cost for vehicle inspections. …

    Aizawa also seeks to enhance its existing operations with the application of robotic drone products and services – particularly for high-definition (HD) inspection, inventory and maintenance of …

    Our certified mobile mechanics perform the 150-point inspection at the seller’s location, taking photos and notes of the car’s condition, all for only $99. You don’t have to be present. Book online 24/7.