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What New Jersey Residents Need to Know About Unemployment Benefits

Have you recently lost your job? If so, you may qualify for unemployment benefits: money paid by the state to those who are temporarily out of work.

This site provides clear, accurate information on collecting unemployment benefits in New Jersey, including:

Here are three things to keep in mind as you get started:

1. You may be eligible for benefits even if you quit or were fired for cause. 

Some people mistakenly believe that unemployment is available only to employees who are laid off. However, you don't have to lose your job in a layoff to qualify for benefits. The key question is whether you are out of work without fault on your part. So, if you were forced to quit your job in lieu of being fired, or you were fired because you don't have the necessary skills for your job, you could still be eligible for benefits. 

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How Do I Apply for Unemployment Benefits in New Jersey?

New Jersey's unemployment insurance agency website gives you the information you need to apply for unemployment insurance in New Jersey. The New Jersey Department of Labor and Workforce Development’s website tells you:

  • What information you’ll need on hand to apply for unemployment insurance benefits
  • How to apply online for unemployment insurance benefits
  • How to file for benefits if you don’t want to file online
  • How to reach the agency's Reemployment Call Center for help
  • How to calculate the amount of unemployment insurance benefits you can receive, and
  • What to do to keep receiving unemployment insurance benefits in New Jersey.

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Who Is Eligible for Unemployment Benefits in New Jersey?

You qualify for unemployment benefits in New Jersey if you meet two basic requirements:

  • you must have earned at least a minimum amount in the time before you lost your job, and
  • you must be out of work through no fault of your own.

If you meet these two qualifications when you apply, you will likely be eligible to receive unemployment benefits. (To keep receiving benefits after you are found eligible, you will also have to meet your state’s job search requirements; to learn more, see What Do I Have to Do to Keep Receiving Unemployment Benefits in New Jersey?)

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How Much Will I Collect in Unemployment Benefits in New Jersey?

In New Jersey, you can earn up to $657 per week in unemployment benefits. 

Every state has its own rules for calculating unemployment benefits. Typically, the amount you receive each week is based on your earnings when you were employed. After all, unemployment benefits are intended to replace some of the income you lost along with your job, and tide you over until you find new work.

Calculating Your Benefit Amount

Your weekly unemployment benefit amount depends on your earnings during the base period.

Your weekly benefit amount in New Jersey will be 60% of your average weekly wage during the base period. 

Currently, the most you can receive each week is $657 per week; the minimum amount you can receive is $99 per week. These limits are adjusted from time to time for inflation.

New Jersey pays an additional weekly benefit amount if you have dependents. A dependent is either your unemployed spouse or civil union partner or your unemployed, unmarried child under the age of 19 (or the age of 22, if the child is still in school). The additional dependent allowance is 7% of your weekly benefit amount per week for the first dependent, and 4% of your weekly benefit amount per week for up to two additional dependents. You may not claim more than three dependents. 

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How Long Will My Unemployment Benefits Last in New Jersey?

In New Jersey, you can receive unemployment benefits for a maximum of 26 weeks.

Each state sets its own rules for how long unemployment benefits last. Until quite recently, virtually all states offered a maximum of 26 weeks of benefits. In the last five or six years, however, some states have changed their rules on duration of benefits (in most cases, to offer benefits for a shorter period of time).

There are two programs that provide additional weeks of benefits in times of high unemployment: extended benefits (EB) and emergency unemployment compensation (EUC).

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What Do I Have to Do to Keep Receiving Unemployment Benefits in New Jersey?

After your application for unemployment insurance benefits is approved by the New Jersey Department of Labor and Workforce Development, you can’t just sit back and collect benefits—you have to do certain things to stay eligible. After your initial claim for unemployment benefits is approved in New Jersey. You have to:

  • be unemployed or underemployed (generally, earning close to what you receive in weekly benefits)
  • be able and available to work
  • be actively looking for work, and
  • file to continue to receive benefits.

Unemployed Or Underemployed

You have to be unemployed or earning significantly less than you used to (also called being “underemployed”) to continue to receive unemployment benefits. You have to report any earnings from work to the New Jersey Department of Labor and Workforce Development. In some states, you will still be entitled unemployment benefits if you earn less than your weekly benefit amount; about half the states will allow you to continue receiving benefits even if you earn a bit more than your weekly benefit amount. You will be allowed to set aside some of what you earn (the amount varies from state to state). The rest will be subtracted from your usual weekly benefit amount, and you will receive the difference. For more information about receiving partial unemployment benefits, see How Much Will I Collect in Unemployment Benefits in New Jersey?

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Can I Appeal a Denial of Unemployment Benefits in New Jersey?

If New Jersey Department of Labor and Workforce Development denies you unemployment insurance benefits, you can appeal. After you file your initial claim for unemployment benefits, the New Jersey Department of Labor and Workforce Development will send you a written determination of your eligibility for benefits and, if it finds you eligible, how much you will receive in benefits. But, if the New Jersey Department of Labor and Workforce Development finds that you are not eligible for benefits or grants you benefits in a lower amount than you believe you are entitled to, you can appeal that decision. And, if the New Jersey Department of Labor and Workforce Development finds you eligible to receive benefits, your ex-employer can appeal that decision.

If you want to appeal the New Jersey Department of Labor and Workforce Development decision, check the New Jersey Department of Labor and Workforce Development website and handbook for:

  • Any forms and instructions for filing your appeal
  • The deadline for filing your appeal
  • What to do if you are filing late
  • Where and how to file your appeal
  • How long the appeal process takes
  • What happens to your benefits while you wait for a decision on your appeal, and
  • A link to the New Jersey Department of Labor and Workforce Development, Appeal Tribunal that will review your appeal.

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Do I Need a Lawyer to Get Unemployment Benefits in New Jersey?

Having your own lawyer to represent you in the unemployment insurance benefits process in New Jersey will level the playing field for you—because your ex-employer will be represented. Your ex-employer is almost certainly going to have a lawyer or two offering guidance through the New Jersey unemployment process. This legal advice can give your ex-employer an edge over you in the process, especially if they intend to challenge your claim for benefits. Your own lawyer can:

  • Help you figure out if you are eligible for unemployment insurance benefits in New Jersey
  • Tell you if your employer’s stated reason for terminating you is valid and will bar benefits
  • Guide you through New Jersey’s unemployment insurance benefits claim process
  • Advise you on how to keep receiving unemployment insurance benefits, and
  • Assist you if you need to appeal a denial of unemployment insurance benefits by the New Jersey Department of Labor and Workforce Development

Check the website of the New Jersey Department of Labor and Workforce Development before you see a lawyer to get information about applying for unemployment benefits and your rights and obligations under the unemployment laws of New Jersey. The website and the New Jersey Department of Labor and Workforce Development claimant handbook, Unemployment Insurance: Your Rights and Responsibilities, have answers to your questions about the filing process. To find a lawyer in New Jersey, check the New Jersey Bar Association lawyer referral services and the lawyer directory of Nolo.com.

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Talk to a Local Unemployment Attorney

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