As a self-employed contractor, it can be difficult to navigate the world of unemployment benefits. Unlike traditional employees, self-employed individuals do not typically contribute to unemployment insurance through payroll taxes. However, with the recent passage of the CARES Act, self-employed contractors may now be eligible for unemployment benefits.

The Pandemic Unemployment Assistance (PUA) program created by the CARES Act expands unemployment benefits to individuals who are not traditionally eligible, including self-employed individuals and independent contractors. To qualify for PUA, you must meet the following criteria:

– You are unable to work as a direct result of the COVID-19 pandemic, including if you have been diagnosed with COVID-19 or are caring for someone who has.

– You are not eligible for traditional unemployment benefits, such as those provided by your state`s unemployment insurance program.

– You are self-employed, an independent contractor, or otherwise not traditionally eligible for unemployment benefits.

If you meet these criteria, you may be eligible to receive up to 39 weeks of unemployment benefits through the PUA program. The amount you receive will vary depending on your state`s unemployment insurance program and your previous earnings as a self-employed contractor.

It`s important to note that the PUA program is temporary and will expire on December 31, 2020, unless extended by Congress. Additionally, you must continue to certify that you are unable to work due to COVID-19 and are actively seeking work to continue receiving benefits.

To apply for PUA, you will need to file a claim with your state`s unemployment insurance program. The application process can vary by state, but typically requires you to provide documentation of your previous earnings as a self-employed contractor. You may also be required to provide additional documentation related to your work history, such as invoices or contracts.

In conclusion, self-employed contractors may now be eligible for unemployment benefits through the PUA program created by the CARES Act. While the process can be complex, it`s important to explore all options for financial assistance during this difficult time. Be sure to check with your state`s unemployment insurance program for specific eligibility requirements and application procedures.