New Jersey Unemployment Benefits 2026
⚠️Informational only — not legal or tax advice.
Last Updated: January 24, 2026
Last Reviewed: January 24, 2026
Applicable Period: 2026
Jurisdiction: State of New Jersey, United States
Update Schedule: Quarterly reviews in 2026; annual reviews thereafter
Table of Contents
- Introduction
- Overview
- Who Is Eligible for Unemployment Benefits
- Who Is Not Eligible for Unemployment Benefits
- How Unemployment Benefit Amounts Are Calculated
- Unemployment Benefit Payment Schedule
- How to File an Unemployment Claim
- Required Documents and Information for Filing
- Weekly Certification and Ongoing Eligibility Requirements
- What Happens After Filing a Claim
- Reasons an Unemployment Claim May Be Denied
- How to Appeal an Unemployment Decision
- Unemployment Fraud, Penalties, and Overpayments
- Taxation of Unemployment Benefits
- Special Unemployment Programs
- Compared to National Benchmarks
- Resources
- FAQ
Introduction
Unemployment benefits in New Jersey provide temporary income replacement for eligible workers who lose employment through no fault of their own. The program is administered by the New Jersey Department of Labor and Workforce Development and funded through employer taxes under state and federal law.
Program authority: New Jersey Unemployment Compensation Law, N.J.S.A. 43:21-1 et seq.
Administering agency: New Jersey Department of Labor and Workforce Development, Division of Unemployment Insurance
Official website: https://myunemployment.nj.gov/
This guide provides comprehensive information on New Jersey unemployment benefits for 2026, including eligibility requirements, benefit amounts, filing procedures, weekly certification requirements, and appeal processes. All information is compiled from official government sources.
Sources: New Jersey statutes, New Jersey Department of Labor official guidance, U.S. Department of Labor
| New Jersey Unemployment Benefits – 2026 Quick Reference | ||
|---|---|---|
| Category | 2026 Information | Official Source |
| Maximum Weekly Benefit | $905 | N.J.S.A. 43:21-3(b); NJ DOL Rate Announcement |
| Minimum Weekly Benefit | Varies by earnings | N.J.S.A. 43:21-3(b) |
| Standard Duration | 26 weeks | N.J.S.A. 43:21-3(c) |
| Waiting Week Required | No | N.J.S.A. 43:21-4(f) |
| Filing Portal | myunemployment.nj.gov | https://myunemployment.nj.gov/ |
| Certification Frequency | Weekly (biweekly by phone) | NJ DOL Certification Instructions |
| Work Search Required | Actively seeking work | N.J.S.A. 43:21-4(c) |
| Appeal Deadline | 21 days from mailing | N.J.S.A. 43:21-6(e) |
| Payment Methods | Direct deposit, prepaid debit card | NJ DOL Payment Information |
| Tax Withholding Available | Federal: Yes (10%) / State: No state income tax | IRS Publication 525 |
ℹ️ Key Unemployment Insurance Terms
| Claimant | Individual filing for unemployment benefits |
| Base Period | First 4 of last 5 completed calendar quarters used to determine monetary eligibility |
| Benefit Year | 364 consecutive days beginning when claim is filed |
| Weekly Benefit Amount (WBA) | Amount payable each week if eligible |
| Maximum Benefit Amount (MBA) | Total benefits available during benefit year |
| Monetary Determination | Decision on benefit amounts based on wage history |
| Non-Monetary Determination | Decision on eligibility based on separation reason and ongoing requirements |
| Adjudication | Investigation and decision-making process for eligibility issues |
| Suitable Work | Employment appropriate for claimant's skills, experience, and labor market |
| Overpayment | Benefits paid that claimant was not entitled to receive |
| Waiting Week | Not required in New Jersey |
| Base Week | Calendar week with earnings equal to or more than 20 times state minimum wage |
Source: New Jersey Department of Labor unemployment terminology
Overview of Unemployment Benefits in New Jersey
Program Purpose
Unemployment insurance in New Jersey provides temporary income replacement for workers who become unemployed through no fault of their own. The program operates as a federal-state partnership, with New Jersey administering benefits according to state law while meeting federal requirements.
Legal framework:
- State law: New Jersey Unemployment Compensation Law, N.J.S.A. 43:21-1 et seq.
- Federal law: Federal Unemployment Tax Act (FUTA), 26 U.S.C. § 3301
- Funding: Employer payroll taxes (no employee contribution)
Source: N.J.S.A. 43:21-1 et seq.; FUTA at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section3301
Administering Agency
New Jersey’s unemployment insurance program is administered by the Division of Unemployment Insurance within the New Jersey Department of Labor and Workforce Development.
Contact information:
- Website: https://myunemployment.nj.gov/
- Claims filing portal: https://myunemployment.nj.gov/
- Phone: 732-761-2020
- Hours: Monday-Friday, 8:00 AM – 4:00 PM
- Mailing address: New Jersey Department of Labor and Workforce Development, Division of Unemployment Insurance, PO Box 058, Trenton, NJ 08625-0058
Source: New Jersey Department of Labor official website
Who Is Eligible for Unemployment Benefits in New Jersey
Employment Status Requirements
To qualify for unemployment benefits in New Jersey, individuals must have worked in covered employment during the base period.
Covered employment definition:
According to N.J.S.A. 43:21-19(i)(1)(A), covered employment includes service performed for remuneration or under any contract of hire, written or oral, express or implied. Covered employment generally includes most private sector jobs, government positions, and nonprofit organizations.
ABC Test for Independent Contractors:
Services performed by an individual are deemed employment unless the employer proves all three criteria under N.J.S.A. 43:21-19(i)(6):
- The individual is free from control or direction over performance of services
- Service is outside the usual course of business or performed outside all places of business
- Individual is customarily engaged in an independently established trade, occupation, profession or business
All three parts must be met for the individual to be considered an independent contractor and excluded from unemployment coverage. Failure to establish any one criterion renders the individual eligible as an employee.
Excluded categories:
- True independent contractors meeting all ABC test criteria
- Self-employed individuals (unless participating in optional coverage)
- Certain students employed by educational institutions while enrolled
- Elected officials in some circumstances
- Some corporate officers with ownership interest exceeding 5%
Source: N.J.S.A. 43:21-19(i) (employment definitions and ABC test)
Earnings and Work History Requirements
Base Period Definition:
The base period in New Jersey is the first four of the last five completed calendar quarters before filing the claim.
Example: Claim filed in January 2026
- Standard base period: October 2024 – September 2025
- Alternative base period (if standard fails): January 2025 – December 2025
Source: N.J.S.A. 43:21-19(c)
Minimum Monetary Requirements:
To qualify monetarily for benefits in New Jersey for 2026, claimants must meet ONE of the following wage requirements:
- Base week requirement: Earned at least $310 per week for 20 or more weeks in covered employment during the base period
- Alternative earnings requirement: Earned at least $15,500 in total covered employment during the base period
A base week is any calendar week during which the individual earned wages equal to or more than 20 times the state minimum wage in effect the prior October 1.
2026 base week calculation:
- State minimum wage on October 1, 2025: $15.49/hour
- Base week earnings requirement: 20 × $15.49 = $309.80 (rounded to $310)
- Alternative total earnings: $310 × 50 weeks = $15,500
Alternative base period:
New Jersey allows use of an alternative base period (last four completed calendar quarters) if the standard base period fails to qualify. This provision assists workers with recent employment who may not qualify under the standard base period.
For individuals filing after a period of disability, a special base period provision allows use of the first four of the last five completed quarters immediately preceding the disability period if employment is no longer available after disability concludes.
Source: N.J.S.A. 43:21-19(c) (base period); N.J.S.A. 43:21-4(e) (monetary eligibility); NJ DOL 2026 rate announcement (base week amounts)
Separation From Employment Requirements
Qualifying vs Disqualifying Separations:
Qualifying separations (eligible for benefits):
The following types of job separation qualify for unemployment benefits in New Jersey:
- Layoff due to lack of work
- Business closure or downsizing
- Position elimination
- Reduction in hours below full-time
- Temporary layoff with indefinite recall
- Discharge not due to misconduct
Disqualifying separations:
1. Voluntary quit without good cause attributable to work
According to N.J.S.A. 43:21-5(a), individuals who leave work voluntarily without good cause attributable to such work are disqualified from benefits for the week of separation and each week thereafter until they return to covered employment for at least eight weeks, earn at least 10 times the weekly benefit rate, and become unemployed through no fault of their own.
“Good cause attributable to work” means the reason for leaving must be directly related to the job and so compelling that the individual had no choice but to leave employment.
Disqualification period: Until requalification (8 weeks work + earnings requirement)
2. Discharge for misconduct
New Jersey distinguishes between two types of misconduct:
Simple Misconduct: According to N.J.S.A. 43:21-5(b), misconduct is defined as conduct which is:
- Improper
- Intentional
- Connected with the individual’s work
- Within the individual’s control
- Not a good faith error of judgment or discretion
- Either a deliberate refusal without good cause to comply with employer’s lawful and reasonable rules, OR a deliberate disregard of standards of behavior the employer has a reasonable right to expect
Disqualification period: Week of discharge plus subsequent 5 weeks
Gross Misconduct: Discharge for commission of an act punishable as a crime of the first, second, third, or fourth degree under the New Jersey Code of Criminal Justice.
Disqualification period: Until requalification (8 weeks work + 10 times weekly benefit rate earned + unemployment through no fault of own). Additionally, wages earned with the discharging employer cannot be used to establish current or future claims.
Burden of proof: Employer must provide written documentation demonstrating that employee’s actions constitute misconduct or gross misconduct prior to a determination.
3. Refusal of suitable work
Individuals who fail without good cause to accept suitable work when offered are disqualified for benefits.
Disqualification period: Variable depending on circumstances
4. Labor dispute participation
For claims commencing on or after January 1, 2022, claimants unemployed due to labor dispute stoppage are not provided benefits for the first 14 days following commencement of unemployment, except when employer engages services of a replacement worker.
Disqualification period: First 14 days of labor dispute (unless replacement workers hired)
Good cause exceptions for voluntary separation:
New Jersey recognizes the following as potential “good cause attributable to work” for voluntary separation:
- Unsafe, unhealthful, or dangerous working conditions so intolerable that individual had no choice but to leave
- Harassment, vulgar or abusive language, or threatened violence creating objectively intolerable conditions
- Physical or mental health condition aggravated by working conditions when no other suitable work available within disability limits
- Substantial reduction in wages
- Accompanying military spouse to new assignment outside New Jersey (special provision under N.J.S.A. 43:21-5(k))
The burden of proof is on the claimant to establish good cause for voluntary separation. New Jersey unemployment law requires claimants to have taken reasonable steps to resolve workplace problems before resigning, such as reporting issues to management.
Source: N.J.S.A. 43:21-5 (disqualification provisions); N.J.A.C. 12:17-9.3 (good cause regulations); NJ DOL eligibility guidance
Ability to Work and Availability Requirements
To remain eligible for benefits, claimants must be able to work, available for work, and actively seeking work as required by N.J.S.A. 43:21-4(c).
Able to work: Physically and mentally capable of performing work
Available for work: Ready to start work immediately with no personal reasons preventing employment, including access to transportation
Actively seeking work: Making genuine efforts to find employment through activities such as:
- Submitting job applications
- Attending interviews
- Contacting employers
- Attending job fairs
- Utilizing career services
Claimants who are not able, available, and actively seeking work may be found ineligible for benefits for those weeks.
Exemptions from work search:
Certain claimants may be exempt from work search requirements:
- Individuals attached to regular jobs with definite recall dates
- Union members dispatched through hiring halls
- Participants in approved training programs
- Individuals participating in self-employment assistance activities
Exemptions require verification and approval by the Division of Unemployment Insurance.
Source: N.J.S.A. 43:21-4(c) (continuing eligibility); NJ DOL work search requirements
Who Is Not Eligible for Unemployment Benefits in New Jersey
The following categories of workers are generally not covered by New Jersey’s unemployment insurance program:
Categorical exclusions:
1. True independent contractors
Workers who meet all three criteria of the ABC test under N.J.S.A. 43:21-19(i)(6) are not covered. However, the burden is on the employer to prove independent contractor status, and many workers classified as independent contractors may actually be employees eligible for benefits.
2. Self-employed individuals
Individuals working for themselves are not covered unless they elect optional coverage where available.
3. Certain students
Students employed by educational institutions while enrolled and regularly attending classes may be excluded under specific circumstances.
4. Federal civilian employees
Covered under Unemployment Compensation for Federal Employees (UCFE) program, not New Jersey UI.
UCFE information: https://www.dol.gov/agencies/eta/unemployment-insurance/UCFE-UCX
5. Military personnel
Covered under Unemployment Compensation for Ex-Servicemembers (UCX) program.
UCX information: https://www.dol.gov/agencies/eta/unemployment-insurance/UCFE-UCX
6. Corporate officers with significant ownership
Officers or persons with more than 5% equitable or debt interest in a corporation may be excluded when claiming based on wages from that corporation.
7. Elected officials
Certain elected officials may be excluded depending on position and circumstances.
Source: N.J.S.A. 43:21-19(i) (excluded services); 5 U.S.C. § 8501 (UCFE); 5 U.S.C. § 8521 (UCX)
How Unemployment Benefit Amounts Are Calculated in New Jersey
Weekly Benefit Amount (WBA)
Calculation formula:
New Jersey calculates the weekly benefit amount at 60% of the average weekly wage earned during the base period, subject to maximum and minimum limits established by law.
Formula: WBA = (Total base period wages ÷ Number of weeks worked) × 60%
For 2026:
- Maximum WBA: $905
- Minimum WBA: Varies based on earnings (no statutory minimum)
- Average WBA: Approximately $541 (based on 2025 data)
Example calculation:
Claimant worked full-time for one year earning $52,000 annually ($1,000 per week):
- Total base period wages: $52,000
- Weeks worked: 52
- Average weekly wage: $52,000 ÷ 52 = $1,000
- WBA calculation: $1,000 × 60% = $600
- Actual WBA: $600 (below maximum of $905)
Claimant worked earning $90,000 annually ($1,731 per week):
- Average weekly wage: $1,731
- WBA calculation: $1,731 × 60% = $1,038.60
- Actual WBA: $905 (capped at maximum)
Partial unemployment:
Claimants working part-time may receive reduced benefits. New Jersey allows earnings up to 20% of the weekly benefit rate (or $5, whichever is greater) before benefit reduction. Benefits are reduced dollar-for-dollar for earnings above this threshold.
Example:
- WBA: $500
- Week’s earnings: $150
- Earnings disregard: $500 × 20% = $100
- Excess earnings: $150 – $100 = $50
- Reduced benefit: $500 – $50 = $450
To be eligible for partial benefits, claimants cannot work more than 80% of the hours normally worked in the job.
Source: N.J.S.A. 43:21-3(b) (benefit calculation); NJ DOL 2026 rate announcement; NJ DOL benefit calculator information
Official calculator: https://myunemployment.nj.gov/before/about/calculator/ (provides estimate only, not official determination)
Maximum Benefit Amount and Duration
Maximum benefit amount (MBA):
The maximum benefit amount is the total benefits available during the benefit year, calculated as:
MBA = Weekly Benefit Rate × 26 weeks
Standard benefit duration: 26 weeks
Maximum total benefits (2026): $23,530 (based on maximum WBA of $905 × 26 weeks)
Benefit year:
The benefit year in New Jersey is 364 consecutive calendar days beginning with the Sunday of the week in which the claim is filed. Benefits are payable for up to 26 weeks within this benefit year.
If a claimant returns to work before collecting all benefits and becomes unemployed again before the benefit year expires, the claim can be reopened without recalculating the weekly benefit rate. After the benefit year ends, a new claim must be filed with benefit amounts recalculated based on the new base period.
Requalification for new claim:
To qualify for a new claim after the benefit year expires, claimants must have:
- Worked at least 4 weeks in covered employment
- Earned at least 6 times the previous claim’s weekly benefit rate
Extended Benefits (EB) program:
Additional weeks of benefits may be available when New Jersey’s unemployment rate triggers the federal-state Extended Benefits program. EB can provide up to 13 additional weeks (50% of regular benefit duration).
Trigger requirements:
- Insured Unemployment Rate (IUR) exceeds 5% and is 120% of average for prior two years, OR
- Total Unemployment Rate (TUR) exceeds 6.5% and is 110% of average for prior two years
Current EB status: Inactive as of January 24, 2026
Source: N.J.S.A. 43:21-3(c) (duration); N.J.S.A. 43:21-24.11 et seq. (Extended Benefits); U.S. DOL Extended Benefits information
Status verification: https://oui.doleta.gov/unemploy/eb.asp
Dependents Allowance
New Jersey provides an additional weekly allowance for eligible dependents:
Amount per dependent: $8 per week per dependent child under age 19 (or under age 22 if full-time student, or disabled adult child regardless of age if disability began before age 22)
Maximum dependents: 3 dependents
Qualifying dependents:
- Unmarried child under age 19
- Unmarried child under age 22 enrolled full-time in educational institution
- Unmarried disabled adult child with blindness or disability that began before age 22
Maximum additional allowance: $24 per week (3 dependents × $8)
Burden of proof: Claimant must establish dependent status
Source: N.J.S.A. 43:21-3(b) (dependent allowance); NJ Unemployment Compensation Law statute
Unemployment Benefit Payment Schedule in New Jersey
| Payment Process and Timeline | ||
|---|---|---|
| Phase | Timeframe | Details |
| Weekly Certification Window | Sunday through Saturday of following week | File certification for previous week (Sunday–Saturday period) |
| Processing Time | 24–48 hours | Time for NJ DOL to process certification and verify eligibility |
| Payment Authorization | Within 48 hours after certification | Payment approved and sent to selected payment method |
| Direct Deposit | 1–2 business days after authorization | Funds available in bank account |
| Prepaid Debit Card | 1–2 business days after authorization | Funds loaded to Bank of America unemployment debit card |
| Total Timeline (first payment) | 3–4 weeks from filing | Typical time from initial claim filing to first payment |
Waiting week impact:
New Jersey does not require a waiting week. The waiting period requirement was eliminated for benefit years commencing on or after January 1, 2002. Claimants may receive payment for the first week of unemployment if otherwise eligible.
Certification schedules:
Online certification: Available any day of the week at https://myunemployment.nj.gov/
Phone certification: Biweekly certification based on Social Security number:
- First certification: Wednesday, 17 days after claim date
- Subsequent certifications: Every 2 weeks on Monday (odd SSN ending digit) or Tuesday (even SSN ending digit)
- Alternate days: Wednesday, Thursday, or Friday if assigned day missed
Payment confirmation:
The Division of Unemployment Insurance sends payment confirmation via email when benefits are authorized. Claimants without email addresses receive postal mail notifications.
Source: N.J.S.A. 43:21-4(f) (no waiting week); NJ DOL payment timeline information; NJ DOL certification instructions
Payment schedule page: https://myunemployment.nj.gov/
How to File an Unemployment Claim in New Jersey
Online Filing (Primary Method)
Filing portal: myunemployment.nj.gov
URL: https://myunemployment.nj.gov/
Availability: 24 hours a day, 7 days a week
Step-by-step filing process:
1. Identity verification: New Jersey requires identity verification through ID.me security vendor before claims can be processed. Claimants must verify identity online or schedule an in-person appointment at a One-Stop Career Center.
2. Create or access account: Register on myunemployment.nj.gov with email address or log in to existing account using NY.gov ID credentials.
3. Enter personal information:
- Full legal name
- Social Security number
- Date of birth
- Current address and contact information
- Email address (recommended for faster communication)
4. Provide employment history: List all employers during past 18 months with:
- Employer legal name
- Employer address and phone number
- Employment dates (start and end)
- Reason for separation
- Last day worked
- Gross wages earned
5. Answer separation questions: Provide detailed information about reason for job loss, including:
- Whether separation was layoff, discharge, quit, or other
- Specific circumstances of separation
- Any severance pay or vacation pay received
6. Answer eligibility questions: Questions about:
- Ability and availability to work
- Work authorization status
- Union membership
- Pension receipt
- Other state benefit claims
7. Select payment method:
- Direct deposit (provide bank routing and account number)
- Prepaid debit card (Bank of America ReliaCard)
8. Submit claim: Review all information for accuracy and submit application
Processing: Claims are typically processed within 3-4 weeks. Claimants receive monetary and non-monetary determinations by mail or email.
Required information for filing:
- Social Security number or Social Security card
- Driver’s license or state ID number
- Complete employment history for last 18 months
- Employer names, addresses, phone numbers, and dates of employment
- Reason for separation from each employer
- Alien registration number (if not U.S. citizen)
- DD Form 214 (if claiming military wages)
- SF-8 or SF-50 (if claiming federal wages)
Source: NJ DOL filing instructions; NJ DOL online application portal
Official guide: https://myunemployment.nj.gov/before/about/howtoapply/applyonline.shtml
Phone Filing
New Jersey requires all initial unemployment claims to be filed online through myunemployment.nj.gov. Phone service at 732-761-2020 is available only for questions, assistance with filing, and technical support, not for initial claim filing.
Claimants without internet access can:
- Visit a New Jersey One-Stop Career Center for in-person filing assistance
- Access computers at public libraries
- Request assistance from family members or friends
Source: NJ DOL contact information; NJ DOL filing requirements
Required Documents and Information for Filing
Personal identification:
- Social Security number or Social Security card
- Driver’s license or state-issued identification card
- Date of birth
- Current mailing address
- Email address (NJ DOL uses email for faster communication)
- Phone number
Employment documentation:
- Last employer information (name, address, phone, dates of employment)
- Reason for separation from last employer
- Last day worked and last day paid
- Separation notice if available (layoff letter, termination notice, furlough notice)
- Complete list of all employers in last 18 months with dates and addresses
Banking information (for direct deposit):
- Bank name
- Bank routing number (9 digits)
- Account number
- Account type (checking or savings)
Additional documentation (if applicable):
- Alien registration number and work authorization documents (non-U.S. citizens)
- DD Form 214 Member 4 copy (ex-military claiming military wages)
- SF-8 or SF-50 (federal civilian employees)
- Union name and local number (union members)
- Pension information (if receiving pension from base period employer)
Most documents can be uploaded through the online portal after filing the initial claim. The Division of Unemployment Insurance may request additional documentation during the claims process.
Source: NJ DOL filing checklist; NJ DOL document requirements
Document upload information: Available through myunemployment.nj.gov account portal
Weekly Certification and Ongoing Eligibility Requirements
Certification Process
Certification frequency: Weekly
Filing window: Sunday through Saturday of the week following the claim week
Method:
- Online at myunemployment.nj.gov (available any day)
- Phone at 732-761-2020 (biweekly on assigned day based on SSN)
Each weekly certification requires answering questions about the previous week (Sunday through Saturday):
- Were you able to work?
- Were you available for work?
- Did you actively look for work?
- Did you refuse any job offers?
- Did you work or earn any money?
- Are you attending school or training?
- Did you receive any other income (pension, severance, vacation pay)?
First-time certification:
Claimants certify for the first time on the Wednesday 17 days after the claim date. A 4-digit Personal Identification Number (PIN) must be created during first certification.
Late filing:
Certifications filed during the assigned week prevent delays. Late certifications may result in delayed or denied benefits. Certifications filed after the assigned day but within the same week are processed.
Source: N.J.S.A. 43:21-4 (continuing claim requirements); NJ DOL certification instructions
Certification instructions: https://myunemployment.nj.gov/before/about/howtoapply/howtocertify.shtml
Work Search Requirements
According to N.J.S.A. 43:21-4(c), claimants must be actively seeking work to maintain eligibility for benefits.
Required work search activities:
New Jersey does not specify a minimum number of work search contacts per week, but claimants must demonstrate active and genuine efforts to find employment. Acceptable work search activities include:
Qualifying activities:
- Submitting job applications to potential employers (online or in person)
- Attending job interviews
- Attending job fairs or hiring events
- Registering with employment agencies or staffing firms
- Networking with professional contacts
- Contacting employers directly about openings
- Creating or updating professional resume (one-time activity)
- Utilizing career center services and workshops
- Responding to job postings
- Following up on previous applications
Documentation required:
For each work search activity, New Jersey unemployment law requires claimants to maintain records including:
- Date of activity
- Employer or organization name and contact information
- Type of work search activity performed
- Position applied for or discussed
- Method of contact (online, phone, in-person)
- Result or outcome
Work search log: New Jersey law requires claimants to maintain personal work search records. The Division of Unemployment Insurance may request documentation during random audits or eligibility reviews.
Audit process:
New Jersey conducts random audits of work search activities and may request claimants provide documentation of job search efforts. Failure to document adequate work search may result in benefit denial for affected weeks.
Work Search Exemptions:
The following claimants may be exempt from active work search requirements:
1. Temporary layoff with definite recall date
- Employer has provided specific return-to-work date within reasonable timeframe
- Claimant maintains regular contact with employer
- Exemption requires verification and approval
2. Union hiring hall members
- Members of unions that dispatch workers through hiring halls
- Requirement: Good standing with union
- Requirement: Availability for dispatch
3. Approved training program participants
- Enrolled full-time in training program approved by NJ DOL
- Training is for demand occupation
- Requires approval through Trade Act programs or other approved training
4. Self-Employment Assistance Program participants
- Approved participants engaging full-time in self-employment assistance activities
- Requires enrollment in program
5. Commissioner-approved waivers
- Other circumstances where work search would be inappropriate or impractical
- Requires individual approval
Each exemption requires verification and approval by the Division of Unemployment Insurance. Claimants must apply for exemptions and receive confirmation before discontinuing work search activities.
Source: N.J.S.A. 43:21-4(c) (work search requirement); N.J.S.A. 43:21-4(c)(7) (self-employment assistance exemption); NJ DOL work search guidance
Work search information: https://myunemployment.nj.gov/before/about/who/activelyseeking.shtml
What Happens After Filing a Claim
Claim Processing Steps
1. Initial claim received
The Division of Unemployment Insurance receives the online application and begins processing. Claimants receive confirmation of claim filing via email or postal mail.
2. Employer notification
Employers receive notification of the unemployment claim and have 10 days from mailing (or 7 days from receipt) to respond with separation information and contest the claim if applicable.
3. Monetary determination issued
The monetary determination shows base period wages, weekly benefit amount, maximum benefit amount, and benefit year dates. This determination is typically issued within 1-2 weeks after filing.
Monetary determination includes:
- Base period wages by quarter and employer
- Weekly benefit amount (WBA)
- Maximum benefit amount (MBA)
- Dependent allowance (if applicable)
- Benefit year beginning and ending dates
4. Non-monetary determination (if needed)
When eligibility questions exist, the Division conducts an investigation and issues a non-monetary determination addressing:
- Reason for separation from employment
- Ability and availability for work
- Refusal of suitable work
- Other disqualifying issues
5. First payment
If approved with no issues, payment is issued within 48 hours after completing the first weekly certification. The first payment covers all weeks certified if no waiting week applies.
Investigation process when issues exist:
- Fact-finding interview scheduled (phone or email)
- Employer and claimant provide information and documentation
- Evidence submitted and reviewed by Deputy
- Written determination issued with appeal rights included
- Determinations mailed to claimant’s last known address
Typical timeline:
- Monetary determination: 1-2 weeks after filing
- Non-monetary determination: 2-4 weeks (if required and no complications)
- First payment: 3-4 weeks if no issues; longer if eligibility investigation needed
Source: N.J.S.A. 43:21-6 (claims procedures); NJ DOL claims processing information
Processing information: https://myunemployment.nj.gov/before/about/howtoapply/
Reasons an Unemployment Claim May Be Denied
Monetary Denial
Claims may be denied for insufficient wages when claimants fail to meet minimum earnings thresholds:
Insufficient base period wages:
- Did not earn at least $310 per week for 20 base weeks, AND
- Did not earn at least $15,500 in total base period wages
No covered employment:
- All base period employment was excluded from UI coverage
- Worked only as true independent contractor meeting ABC test
Incorrect base period:
- Employer failed to report wages
- Wages reported under incorrect Social Security number
Claimants who believe wages were not properly credited can request a monetary redetermination and provide pay stubs or other proof of earnings.
Non-Monetary Denial (Disqualifications)
1. Voluntary quit without good cause
Disqualification: Until requalification (8 weeks work + 10 times WBA earned + unemployment through no fault)
2. Discharge for simple misconduct
Disqualification: Week of discharge plus 5 subsequent weeks
3. Discharge for gross misconduct
Disqualification: Until requalification (8 weeks work + 10 times WBA earned + unemployment through no fault). Base period wages from discharging employer cannot be used for current or future claims.
4. Refusal of suitable work
Disqualification: Varies based on circumstances and number of refusals
5. Failure to meet availability requirements
Disqualification: Weeks when not able, available, or actively seeking work
6. Work search non-compliance
Disqualification: Weeks of inadequate work search activity
7. Labor dispute
Disqualification: First 14 days of unemployment due to labor dispute (unless employer hires replacement workers)
8. Attending school full-time
Disqualification: While attending school and during vacation periods, unless wages earned while attending school or approved training program
Administrative Denial
Claims may be denied or delayed for administrative reasons:
- Incomplete application information
- Failure to provide required documentation when requested
- Missed fact-finding interview
- Identity verification failure through ID.me
- Non-response to Division requests for information
- Failure to report to scheduled appointments
Source: N.J.S.A. 43:21-4 (eligibility requirements); N.J.S.A. 43:21-5 (disqualification provisions); NJ DOL denial information
How to Appeal an Unemployment Decision in New Jersey
Appeal Deadlines
Filing deadline: 21 calendar days from the mailing date of the determination
CRITICAL: Appeals must be filed within 21 days of the date the determination was mailed (date shown on the notice), not the date received. This is a strict deadline.
Calculation example:
- Determination mailed: January 15, 2026
- Appeal deadline: February 5, 2026 (21 days later)
Weekend/holiday rule: If the 21st day falls on Saturday, Sunday, or legal holiday, the appeal is accepted on the next business day.
Late appeals:
Appeals filed after the 21-day deadline may be accepted only if the claimant provides good cause for the late filing. Good cause must be explained in writing with supporting documentation.
Examples of potential good cause:
- Serious illness preventing timely filing
- Failure to receive determination due to address issues
- Other circumstances beyond claimant’s control
The Appeals Examiner determines whether good cause exists for late filing.
Source: N.J.S.A. 43:21-6(e) (appeal deadlines)
Appeal Filing Process
How to file appeal:
Online (fastest method):
- Visit https://myunemployment.nj.gov/
- Log into account
- Navigate to appeals section
- Complete online appeal form
Mail:
- New Jersey Department of Labor
- Appeal Tribunal
- PO Box 907
- Trenton, NJ 08625-0907
Fax: 609-292-2438
Required information:
- Claimant name and Social Security number
- Determination being appealed (include determination date and document number)
- Clear statement of disagreement
- Specific reasons for appealing
- Contact information (phone, email, address)
- Signature and date
Appeal confirmation:
Online appeals generate immediate confirmation. Mailed or faxed appeals may include a request for confirmation.
IMPORTANT: Continue certifying for weekly benefits while appeal is pending. If the appeal is successful, claimant will receive retroactive benefits for weeks properly certified. Failure to certify results in loss of those weeks even if appeal is won.
Source: N.J.S.A. 43:21-6(f) (appeal procedures); NJ DOL appeals process information
Official appeal portal: https://myunemployment.nj.gov/appeals/claimant/
Hearing Process
Hearing notification:
Notice of hearing is mailed at least 10-14 days before the scheduled hearing date, including:
- Date and time of hearing
- Hearing method (telephone, video, or in-person)
- Issues to be decided
- Parties involved
- Evidence submission instructions
- Appeals Examiner name and contact information
Registration requirement:
New Jersey requires claimants to register for the hearing by calling the telephone number on the hearing notice no later than 3:00 PM the business day before the hearing. Registration can also be completed online.
Hearing format:
- Type: Primarily conducted by telephone; video or in-person in some cases
- Officer: Appeals Examiner appointed by Appeal Tribunal
- Duration: Typically 30-60 minutes depending on case complexity
- Recording: All hearings are recorded for appeal purposes
Evidence submission:
- Deadline: Should be submitted as soon as possible before hearing
- Method: Upload online, mail, fax, or email
- Requirement: Provide copies to all parties
- Accepted formats: Documents, photographs, wage records, correspondence, witness statements
Hearing procedures:
- Appeals Examiner explains hearing process and identifies issues
- All parties sworn in under oath
- Testimony taken (claimant typically testifies first, then employer if participating)
- Documents and evidence reviewed
- Witnesses may be questioned by all parties and Examiner
- Cross-examination permitted
- Closing statements allowed
- Hearing concluded
Representation:
Claimants may be represented by:
- Licensed attorney (at claimant’s expense)
- Non-attorney representative (if no fee charged)
- Legal aid services (for those who cannot afford attorney)
Attorney fees charged to claimants require approval by the Board of Review.
Postponements:
Requests for postponement are made at least 3 days before the hearing and are granted only for good and substantial reasons. Contact the Appeals Examiner listed on the hearing notice.
Failure to appear:
Failure to participate in a scheduled hearing may result in an unfavorable decision. If the appealing party does not participate, the Appeal Tribunal may dismiss the appeal.
Decision:
Written decision is mailed to all parties typically within 2-4 weeks after the hearing. The decision includes:
- Findings of fact based on testimony and evidence
- Applicable law and regulations
- Reasoning and conclusions
- Final decision
- Appeal rights to Board of Review
Decisions become final unless appealed to the Board of Review within 20 days of the mailing date.
Source: N.J.S.A. 43:21-6(f) (hearing procedures); NJ DOL Appeal Tribunal information
Hearing preparation guide: https://myunemployment.nj.gov/appeals/tribunal/
Further Appeals
Second-level appeal – Board of Review:
Appeals of Appeal Tribunal decisions may be filed with the Board of Review:
- Deadline: 20 days from mailing date of Appeal Tribunal decision
- Method: Written appeal to Board of Review
- Address: NJ Department of Labor, Board of Review, PO Box 937, Trenton, NJ 08625-0937
- Email: boardofreview@dol.nj.gov
- Review type: Record review based on Appeal Tribunal hearing transcript (typically no new hearing)
- New evidence: Generally not accepted; Board reviews existing record only
- Decision timeline: Varies, typically 2-4 months
Board of Review procedures:
The Board of Review does not conduct new hearings. Appeals are decided based on:
- Appeal Tribunal hearing transcript
- Evidence submitted at Appeal Tribunal hearing
- Written legal arguments submitted by parties
- Applicable law and regulations
Board of Review decision options:
- Affirm Appeal Tribunal decision
- Reverse Appeal Tribunal decision
- Modify Appeal Tribunal decision
- Remand case back to Appeal Tribunal for new hearing
Request for reopening:
Within 10 days of Board of Review decision, parties may request reopening/reconsideration before appealing to court. Requests explain why the decision was incorrect and why reconsideration is warranted.
Judicial appeal – Superior Court:
Final administrative decisions may be appealed to the Appellate Division of the Superior Court of New Jersey:
- Deadline: 45 days from Board of Review decision
- Jurisdiction: Appellate Division, Superior Court of New Jersey
- Phone: 609-815-2950
- Representation: Legal counsel available at claimant’s expense
- Standard: Court reviews whether Board of Review decision was supported by substantial credible evidence
Appeals to Superior Court involve formal legal procedures and strict filing requirements. Attorneys experienced in unemployment appeals are available for consultation.
Source: N.J.S.A. 43:21-6(f) (administrative appeals); New Jersey Court Rules (judicial review); NJ DOL Board of Review information
Board of Review information: https://www.nj.gov/labor/myunemployment/appeals/boardofreview/
Unemployment Fraud, Penalties, and Overpayments
Fraud Definition and Examples
Fraud defined:
According to New Jersey unemployment law, fraud occurs when a person knowingly makes a false statement or representation, or knowingly fails to disclose a material fact, to obtain or increase benefit payments.
Common fraud examples:
- Failing to report work or earnings while certifying for benefits
- Providing false information about reason for job separation
- Claiming benefits while incarcerated
- Using another person’s identity to file claims
- Not reporting refusal of suitable job offers
- Filing claims in multiple states simultaneously
- Continuing to claim benefits after returning to work
- Providing false information about availability for work
Source: N.J.S.A. 43:21-16 (fraud provisions)
Penalties for Fraud
Administrative penalties:
Claimants found to have committed fraud face:
- Repayment: 100% of fraudulently obtained benefits must be repaid
- Penalty assessment: Additional penalties and interest as determined
- Disqualification: Ineligibility for benefits for specified period
- Criminal referral: Cases may be referred for criminal prosecution
Criminal penalties:
Unemployment fraud is a criminal offense under New Jersey law:
- Disorderly persons offense: Fraudulent claims up to $200
- Fourth degree crime: Fraudulent claims $200-$500
- Third degree crime: Fraudulent claims over $500
Potential criminal penalties include:
- Fines up to $15,000 depending on degree of crime
- Imprisonment up to 18 months (fourth degree) or 3-5 years (third degree)
- Restitution of all fraudulently obtained benefits
- Criminal record
Source: N.J.S.A. 43:21-16 (fraud penalties); N.J.S.A. 2C:21-4.3 (theft of services)
Report fraud:
- Phone: 609-777-4304
- Online: https://www.nj.gov/labor/myunemployment/help/uifraud/
Non-Fraud Overpayments
Overpayment without fraud:
Overpayments may occur without fraudulent intent due to:
- Division error in benefit calculation or processing
- Delayed employer information changing eligibility
- Determination reversed on appeal after benefits paid
- Good faith mistake by claimant in reporting
- Misunderstanding of eligibility requirements
Repayment obligation:
Non-fraud overpayments must be repaid. New Jersey law generally requires repayment of overpayments even when caused by Division error.
Waiver provisions:
Under federal CARES Act programs (Pandemic Unemployment Assistance, Federal Pandemic Unemployment Compensation, Pandemic Emergency Unemployment Compensation, Mixed Earners Unemployment Compensation), recovery may be waived if:
- Claimant was without fault in causing overpayment, AND
- Repayment would be contrary to equity and good conscience
For regular unemployment compensation, overpayments are generally not waived except in limited circumstances.
Repayment options:
- Lump sum payment: Full repayment immediately
- Payment plan: Installment payments over time (Division approval required)
- Benefit offset: Deduction from future unemployment benefits
- Tax refund intercept: Federal and/or state tax refunds intercepted
- Wage garnishment: Court-ordered wage withholding (if applicable)
Claimants who cannot afford full repayment may contact the Division to arrange a payment plan. Failure to repay overpayments may result in collection actions.
Source: N.J.S.A. 43:21-16 (overpayment recovery); N.J.S.A. 43:21-6 (CARES Act waiver provisions)
Repayment information: Contact Division of Unemployment Insurance at 732-761-2020
Taxation of Unemployment Benefits in New Jersey
Federal Tax Treatment
Federal taxation:
Unemployment benefits are taxable income under federal law. The Internal Revenue Code treats unemployment compensation as ordinary income subject to federal income tax.
Form 1099-G:
The Division of Unemployment Insurance issues IRS Form 1099-G by January 31 each year showing:
- Box 1: Total unemployment compensation paid during the tax year
- Box 4: Federal income tax withheld (if claimant elected withholding)
Federal withholding option:
Claimants may request federal income tax withholding at 10% of weekly benefit amount. Withholding can be:
- Elected when filing initial claim
- Changed at any time by updating account preferences online
- Stopped or restarted as needed
Tax filing:
Claimants must report unemployment benefits as income on Form 1040 when filing federal tax returns. Benefits are taxed at the claimant’s regular income tax rate.
Source: 26 U.S.C. § 85 (unemployment compensation taxation); IRS Publication 525
IRS unemployment information: https://www.irs.gov/individuals/employees/unemployment-compensation
State Tax Treatment
New Jersey taxation:
New Jersey does not impose a state income tax on unemployment benefits. While New Jersey has a state income tax, unemployment compensation is specifically exempt from New Jersey gross income tax.
No state withholding:
Since unemployment benefits are not subject to New Jersey income tax, no state withholding is available or necessary.
Source: New Jersey Division of Taxation; New Jersey does not tax unemployment benefits
Verified: January 24, 2026
Form 1099-G Access and Corrections
Form 1099-G distribution:
The Division of Unemployment Insurance issues Form 1099-G by January 31 each year.
Access methods:
- Mailed to address on file (automatic)
- Online through myunemployment.nj.gov account (available for download)
- By phone request: 732-761-2020
Incorrect 1099-G:
If Form 1099-G shows incorrect amounts or reports benefits not received:
Possible identity theft indicators:
- 1099-G received but claimant did not file for unemployment
- Amount shown significantly differs from benefits actually received
- Benefits reported for weeks claimant did not certify
Actions to take:
- Contact Division of Unemployment Insurance: 732-761-2020
- Report suspected identity theft/fraud: 609-777-4304 or https://www.nj.gov/labor/myunemployment/help/uifraud/
- Request corrected Form 1099-G before filing taxes
- Do not file taxes using incorrect 1099-G
The Division will investigate and issue a corrected Form 1099-G if the original was in error.
Source: NJ DOL 1099-G information; IRS Form 1099-G instructions
Form 1099-G information: https://myunemployment.nj.gov/ (access through online account)
Special Unemployment Programs in New Jersey
Currently Active Programs (2026)
Extended Benefits (EB)
Program status (2026): Inactive
Extended Benefits provide additional weeks of unemployment compensation when New Jersey’s unemployment rate meets federal trigger criteria.
Trigger requirements:
EB activates when either:
- IUR trigger: Insured Unemployment Rate (IUR) exceeds 5% AND is at least 120% of the average for the same period in the prior two years, OR
- TUR trigger: Total Unemployment Rate (TUR) exceeds 6.5% AND is at least 110% of the average for the same period in the prior two years
Additional weeks available: Up to 13 weeks (50% of regular benefit duration)
Eligibility requirements:
To qualify for Extended Benefits when program is active:
- Exhausted regular unemployment benefits
- Continue to meet all regular eligibility requirements
- Additional work search requirements may apply during EB periods
Current status verification:
As of January 24, 2026, Extended Benefits are not active in New Jersey. Current unemployment rates do not meet trigger thresholds.
Source: N.J.S.A. 43:21-24.11 et seq. (Extended Benefits); 20 C.F.R. Part 615 (federal EB regulations)
Federal EB information: https://oui.doleta.gov/unemploy/eb.asp
Status page: Check U.S. Department of Labor weekly trigger reports
Shared Work Program
Shared Work program status: Active
New Jersey’s Shared Work program allows employers to reduce employee hours instead of conducting layoffs, with affected employees receiving partial unemployment benefits.
Employer requirements:
- Reduce normal weekly hours of work by at least 10% but not more than 60%
- Apply reduction across an identifiable unit of at least 2 employees
- Maintain health and retirement benefits for participating employees
- Submit Shared Work plan for Division approval
- Plan approval valid for one year (may be renewed)
Employee benefits:
- Receive partial unemployment benefits proportional to hours reduced
- Maintain employment relationship and benefits
- No work search requirement while participating in approved plan
- Benefits charged to employer’s account
Example:
Employee normally works 40 hours per week at $20/hour:
- Hours reduced by 30%: works 28 hours instead of 40
- Regular weekly wages: $560 (28 hours × $20)
- Full-time weekly wages would be: $800
- Weekly benefit rate: $480 (60% of $800)
- Shared work benefit: $480 × 30% reduction = $144
- Total weekly income: $560 + $144 = $704
Employer application: Employers must apply online through New Jersey Shared Work portal
Source: N.J.S.A. 43:21-20.3 et seq. (Shared Work provisions); NJ DOL Shared Work program information
Program information: https://www.nj.gov/labor/employer-services/shared-work/
Trade Adjustment Assistance (TAA)
TAA program: Active (federal program)
Workers who lose jobs due to foreign trade may qualify for extended benefits and services beyond regular unemployment insurance.
Eligibility:
- Employer must be certified by U.S. Department of Labor as trade-affected
- Worker must be part of certified worker group
- Separation from employment must be due to trade-related reasons
Benefits available:
- Extended unemployment benefits (up to 130 weeks total with training)
- Job training funding for approved programs
- Job search allowances
- Relocation allowances
- Health Coverage Tax Credit (if eligible)
- Trade Readjustment Allowances after regular UI exhausted
New Jersey TAA coordinator:
Contact through New Jersey Department of Labor One-Stop Career Centers for petition assistance and program information.
Source: Trade Act of 1974, 19 U.S.C. § 2271 et seq.
Federal TAA information: https://www.dol.gov/agencies/eta/tradeact
Application: Through One-Stop Career Centers
Disaster Unemployment Assistance (DUA)
DUA availability: Available during presidentially declared major disasters
Provides benefits to individuals who lost employment due to a federally declared major disaster and are not eligible for regular unemployment insurance.
Eligibility:
- Unemployed as direct result of major disaster
- Not eligible for regular unemployment insurance
- Work or self-employment lost due to disaster
- Unable to reach place of employment due to disaster
Activation: Only during presidentially declared major disasters affecting New Jersey
Application: Through New Jersey Department of Labor when disasters declared and DUA authorized
Duration: Up to 26 weeks of DUA benefits
Source: Robert T. Stafford Disaster Relief and Emergency Assistance Act, 42 U.S.C. § 5177; 20 C.F.R. Part 625
FEMA DUA information: https://www.fema.gov/assistance/individual/program
Self-Employment Assistance Program
Program status: Active
Allows certain unemployed individuals to receive unemployment benefits while establishing their own businesses.
Eligibility:
- Identified through worker profiling as likely to exhaust regular benefits
- Selected to participate in program
- Engaged full-time in self-employment assistance activities
Benefits:
- Receive regular weekly benefit amount while starting business
- Exempt from work search requirements
- Exempt from availability for work requirements
- Must participate in approved entrepreneurial training
Requirements:
- Work full-time on establishing business
- Participate in required training and counseling
- Make regular progress toward business establishment
- Submit required documentation and reports
Source: N.J.S.A. 43:21-67 et seq. (Self-Employment Assistance); N.J.S.A. 43:21-4(c)(7) (work search exemption)
Program information: Contact One-Stop Career Centers for availability and application
Context: New Jersey Compared to National Benchmarks
New Jersey benefit levels in national context (2026):
- Maximum WBA: $905 (7th highest of 50 states)
- Duration: 26 weeks (standard national norm)
- Unique features:
- No waiting week requirement (eliminated 2002)
- Dependent allowance available ($8 per dependent, up to 3 dependents)
- Strong worker protections under ABC test for independent contractor classification
- Shared Work program available to prevent layoffs
National range:
- Highest maximum WBA: Massachusetts ($1,015)
- Lowest maximum WBA: Mississippi ($235)
- Most common duration: 26 weeks
- New Jersey’s maximum is approximately 75% above the national median
For comprehensive state-by-state comparisons:
U.S. DOL Comparison: https://oui.doleta.gov/unemploy/comparison/
Source: U.S. Department of Labor, Comparison of State UI Laws 2026; NJ DOL 2026 rate announcement
Resources
New Jersey Unemployment Resources
New Jersey Department of Labor and Workforce Development
Phone: 732-761-2020
TTY: 711 (Relay Service)
Website: https://myunemployment.nj.gov/
Hours: Monday-Friday, 8:00 AM – 4:00 PM
Online claims portal
Website: https://myunemployment.nj.gov/
Availability: 24/7 for filing and certification
Appeals – Appeal Tribunal
Phone: 609-292-2669
Fax: 609-292-2438
Email: appealtribunal@dol.nj.gov
Address: PO Box 936, Trenton, NJ 08625-0936
Website: https://myunemployment.nj.gov/appeals/tribunal/
Appeals – Board of Review
Email: boardofreview@dol.nj.gov
Address: PO Box 937, Trenton, NJ 08625-0937
Website: https://www.nj.gov/labor/myunemployment/appeals/boardofreview/
Fraud reporting hotline
Phone: 609-777-4304
Website: https://www.nj.gov/labor/myunemployment/help/uifraud/
Employer services
Phone: 609-633-6400
Website: https://www.nj.gov/labor/employer-services/
One-Stop Career Centers
Locations: Multiple locations throughout New Jersey
Services: In-person filing assistance, career counseling, job search resources
Website: https://www.nj.gov/labor/career-services/
Identity verification (ID.me)
Website: https://www.id.me/
Support: Through ID.me customer service
Federal Resources
U.S. Department of Labor – Unemployment Insurance
Purpose: Federal UI oversight and information
Website: https://www.dol.gov/agencies/eta/unemployment-insurance
CareerOneStop
Purpose: Job search resources and career information
Website: https://www.careeronestop.org/
Phone: 877-348-0502
Internal Revenue Service (IRS)
Purpose: Tax information for unemployment benefits
Website: https://www.irs.gov/individuals/employees/unemployment-compensation
Phone: 800-829-1040
Federal Trade Commission – Identity Theft
Purpose: Report identity theft related to unemployment fraud
Website: https://www.identitytheft.gov/
Source: Official government websites
Frequently Asked Questions: New Jersey Unemployment Benefits 2026
What are unemployment benefits in New Jersey?
Unemployment benefits in New Jersey are temporary income replacement payments for eligible workers who lose employment through no fault of their own. The program provides up to 26 weeks of benefits calculated at 60% of the average weekly wage earned during the base period, subject to a maximum of $905 per week in 2026.
How much can I receive in unemployment benefits in New Jersey?
For 2026, the maximum weekly benefit amount is $905. The actual amount received depends on wages earned during the base period, calculated at 60% of average weekly wages. Claimants may also receive up to $24 per week in dependent allowances for up to three qualifying dependents.
How long does it take to get unemployment benefits in New Jersey?
The first payment typically arrives 3-4 weeks after filing the initial claim if there are no eligibility issues. After completing weekly certification, payments are authorized within 48 hours and typically reach the selected payment method (direct deposit or debit card) within 1-2 business days.
Can I work part-time and still receive unemployment in New Jersey?
Yes. Claimants may work part-time and receive partial unemployment benefits. New Jersey allows earnings up to 20% of the weekly benefit rate before reducing benefits. Earnings above this threshold reduce benefits dollar-for-dollar. Claimants cannot work more than 80% of normal hours to remain eligible for partial benefits.
What disqualifies you from unemployment in New Jersey?
Disqualifications include: voluntary quit without good cause attributable to work, discharge for misconduct (simple or gross), refusal of suitable work without good cause, inability or unavailability for work, failure to actively seek work, participation in labor disputes, and attending school full-time (with limited exceptions). Fraud results in disqualification and penalties.
How do I file for unemployment in New Jersey?
File online at myunemployment.nj.gov, available 24/7. The online application requires personal information, Social Security number, employment history for the past 18 months, and banking information for direct deposit. Identity verification through ID.me is required before claims are processed. Phone filing is not available for initial claims.
Are unemployment benefits taxable in New Jersey?
Unemployment benefits are taxable for federal income tax purposes and must be reported on federal tax returns. However, New Jersey does not impose state income tax on unemployment benefits. Claimants may elect 10% federal withholding when certifying for benefits.
How do I appeal an unemployment denial in New Jersey?
File a written appeal within 21 days of the mailing date of the determination. Appeals can be filed online at myunemployment.nj.gov, by mail to Appeal Tribunal PO Box 907, Trenton, NJ 08625-0907, or by fax to 609-292-2438. Include name, Social Security number, reasons for disagreement, and contact information. Continue certifying weekly while the appeal is pending.
How long can I receive unemployment benefits in New Jersey?
Regular unemployment benefits are available for up to 26 weeks within a benefit year (364 consecutive days). Extended Benefits may provide up to 13 additional weeks when triggered by high unemployment rates, though this program is currently inactive in New Jersey.
What is the waiting week for New Jersey unemployment?
New Jersey does not require a waiting week. The waiting week requirement was eliminated for benefit years beginning on or after January 1, 2002. Eligible claimants may receive payment for the first week of unemployment.
Do I need to search for work while receiving unemployment in New Jersey?
Yes. Claimants must actively seek work to maintain eligibility. Acceptable work search activities include submitting applications, attending interviews, contacting employers, attending job fairs, and utilizing career center services. Exemptions may apply for temporary layoffs with recall dates, union hiring hall members, and approved training participants.
What is a base period in New Jersey?
The base period is the first four of the last five completed calendar quarters before filing a claim. For example, a claim filed in January 2026 uses the base period of October 2024 through September 2025. An alternative base period (last four completed quarters) may be used if the standard base period does not qualify.
Can independent contractors get unemployment in New Jersey?
Most workers classified as independent contractors are actually employees under New Jersey’s ABC test and are eligible for unemployment benefits. The employer must prove all three ABC test criteria for a worker to be excluded as an independent contractor. True independent contractors meeting all criteria are not eligible.
What happens if I receive an overpayment?
Overpayments must be repaid regardless of fault. The Division of Unemployment Insurance offers repayment options including lump sum payment, installment plans, offset from future benefits, and tax refund intercept. Fraudulent overpayments result in additional penalties, potential criminal charges, and extended disqualification periods.
How do I get my 1099-G form?
Form 1099-G is mailed by January 31 each year and is also available for download through myunemployment.nj.gov online account. Claimants can also request copies by calling 732-761-2020. The form shows total unemployment compensation paid and any federal tax withheld during the tax year.