Indiana Unemployment Benefits 2026
⚠️Informational only — not legal or tax advice.
Last Updated: January 31, 2026
Last Reviewed: January 31, 2026
Applicable Period: 2026
Jurisdiction: State of Indiana, 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 Indiana provide temporary income replacement for eligible workers who lose employment through no fault of their own. The program is administered by the Indiana Department of Workforce Development and funded through employer payroll taxes under state and federal law.
Program authority: Indiana Code Title 22, Article 4 (Unemployment Compensation System)
Administering agency: Indiana Department of Workforce Development (DWD)
Official website: https://www.in.gov/dwd/indiana-unemployment/
This guide provides comprehensive information on Indiana 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: Indiana Code Title 22, Article 4; Indiana Department of Workforce Development official guidance; U.S. Department of Labor
| Indiana Unemployment Benefits – 2026 Quick Reference | ||
|---|---|---|
| Category | 2026 Information | Official Source |
| Maximum Weekly Benefit | $390 | Indiana Code § 22-4-12-3 |
| Minimum Weekly Benefit | $50 | Indiana Code § 22-4-12-3 |
| Standard Duration | 26 weeks | Indiana Code § 22-4-12-1 |
| Waiting Week Required | Yes | Indiana Code § 22-4-12-4 |
| Filing Portal | Uplink Claimant Self Service | uplink.in.gov/CSS/CSSLogon.htm |
| Certification Frequency | Weekly | DWD Policy |
| Work Search Required | 1 activity/week minimum | 646 IAC 5-10-6 |
| Appeal Deadline (Initial) | 15 days from mailing | Indiana Code § 22-4-17-2(c) |
| Appeal Deadline (ALJ) | 15 days from mailing | Indiana Code § 22-4-17-3(b) |
| Payment Methods | Direct deposit, prepaid debit card | DWD Policy |
| Tax Withholding Available | Federal: Yes (10%) / State: Yes (varies) | Indiana Code § 22-4-17-1.5 |
ℹ️ Key Unemployment Insurance Terms
Common terms used throughout this guide:
Claimant - Individual filing for unemployment benefits
Base Period - First 4 of last 5 completed calendar quarters before filing claim
Benefit Year - 52-week period 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 - First week of unemployment for which benefits are not paid
Uplink - Indiana's online unemployment insurance system
WorkOne - Indiana's network of career centers
Source: Indiana Department of Workforce Development Claimant Handbook
Overview of Unemployment Benefits in Indiana
Program Purpose
Unemployment insurance in Indiana provides temporary income replacement for workers who become unemployed through no fault of their own. The program operates as a federal-state partnership, with Indiana administering benefits according to state law while meeting federal requirements.
Legal framework:
- State law: Indiana Code Title 22, Article 4 (Unemployment Compensation System)
- Federal law: Federal Unemployment Tax Act (FUTA), 26 U.S.C. § 3301
- Funding: Employer payroll taxes deposited in Unemployment Insurance Benefit Fund
According to Indiana Code § 22-4-1-2(a): “Unemployment benefits are paid from state funds and are not considered paid from any special insurance plan or by an employer. An application for unemployment benefits is not considered a claim against an employer, but is considered a request for unemployment benefits from the unemployment insurance benefit trust fund.”
Source: Indiana Code § 22-4-1-2; FUTA at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section3301
Administering Agency
Indiana’s unemployment insurance program is administered by the Indiana Department of Workforce Development.
Contact information:
- Website: https://www.in.gov/dwd/
- Unemployment page: https://www.in.gov/dwd/indiana-unemployment/
- Claims filing portal: https://uplink.in.gov/CSS/CSSLogon.htm
- Phone: 1-800-891-6499
- TTY/TDD: 1-800-743-3333
- Hours: Monday-Friday, 8:00 AM – 4:30 PM (Eastern Time)
- Mailing address:
Indiana Department of Workforce Development
10 North Senate Avenue
Indianapolis, IN 46204
Source: Indiana Department of Workforce Development official website
Who Is Eligible for Unemployment Benefits in Indiana
Employment Status Requirements
To qualify for unemployment benefits in Indiana, individuals must have worked in covered employment during the base period.
Covered employment definition:
Covered employment includes most work performed for wages under any contract of hire, whether written or oral, express or implied. This encompasses most private sector jobs, government positions, and nonprofit organizations meeting coverage requirements.
Excluded categories:
The following types of work are generally excluded from unemployment insurance coverage:
- Independent contractors (unless misclassified as employees)
- Self-employed individuals (unless participating in optional coverage programs)
- Certain agricultural workers earning below threshold
- Domestic workers in private homes earning below threshold
- Elected officials performing official duties
- Students employed by educational institutions in which enrolled and regularly attending classes
- Real estate agents and insurance agents paid solely by commission
- Services performed for religious organizations
- Federal civilian employees (covered under separate federal program)
- Military personnel (covered under separate federal program)
Source: Indiana Code § 22-4-8-1 through § 22-4-8-3 (employment definitions and exclusions)
Earnings and Work History Requirements
Base Period Definition
The base period in Indiana is the first four of the last five completed calendar quarters before filing the unemployment claim.
Example: Claim filed in January 2026
- Base period: October 1, 2024 – September 30, 2025
- Alternative base period (if standard fails): January 1, 2025 – December 31, 2025
Source: Indiana Code § 22-4-2-21
Minimum Monetary Requirements
To qualify monetarily for benefits in Indiana, claimants must meet ALL of the following wage requirements during the base period:
- Total base period wages: Minimum of $4,200 in entire base period
- Last six months wages: Minimum of $2,500 earned in last two quarters (Q3 and Q4) of base period combined
- Wage threshold calculation: Total base period wages must equal at least 1.5 times wages earned in highest quarter
Example calculation:
If highest quarter wages = $4,000:
- Total base period wages must be at least $6,000 (4,000 × 1.5)
- Last two quarters must total at least $2,500
- Total base period must be at least $4,200
Alternative base period:
Indiana allows use of alternative base period (most recent four completed quarters) if claimant fails to qualify using standard base period. Alternative base period uses quarters 1-4 of most recent five quarters instead of quarters 1-4 of first five quarters.
Source: Indiana Code § 22-4-14-5 (monetary eligibility requirements)
Benefit calculator: https://www.in.gov/dwd/indiana-unemployment/ (estimate only, not official determination)
Separation From Employment Requirements
Qualifying vs Disqualifying Separations
Qualifying separations (eligible for benefits):
The following types of job separation typically qualify for unemployment benefits in Indiana:
- Layoff due to lack of work
- Business closure or downsizing
- Position elimination
- Reduction in hours below full-time
- Discharge not constituting just cause under Indiana law
- Temporary layoff with indefinite recall
Disqualifying separations:
Indiana Code § 22-4-15-1 identifies specific circumstances resulting in benefit disqualification:
1. Voluntary quit without good cause
Leaving employment voluntarily without work-related reason considered good cause connected with work.
- Disqualification period: Until claimant returns to work and earns at least 8 times weekly benefit amount
- Effect: Benefits denied until requalification requirement met
2. Discharge for just cause
Discharge resulting from deliberate violation of employer’s reasonable policy or rule when claimant knew or reasonably would have known conduct would result in discharge.
According to Indiana Code § 22-4-15-1(d): “just cause is that which, to an ordinarily intelligent person, is a justifiable reason for doing or not doing a particular act.”
- Disqualification period: 10 weeks from filing date or until earns 10 times weekly benefit amount, whichever is longer
- Effect: Ten-week penalty period before benefits can begin
3. Refusal of suitable work
Declining job offer meeting definition of suitable work without good cause.
- Disqualification period: 10 weeks from refusal or until earns 10 times weekly benefit amount, whichever is longer
- Effect: Ten-week penalty period
4. Failure to apply for suitable work
Not applying for suitable work when directed by Department of Workforce Development.
- Disqualification period: 2 weeks from failure
- Effect: Two-week penalty period
Good cause exceptions:
Indiana recognizes the following as good cause for voluntary separation:
- Documented illness or disability preventing work performance
- Care for seriously ill family member when no other care available
- Domestic violence or harassment creating unsafe working conditions
- Substantial change in terms of employment not part of original agreement
- Following spouse to new location due to military or employment transfer
- Transportation failure when no alternative transportation available
Source: Indiana Code § 22-4-15-1 (disqualification provisions)
Administrative rules: 646 IAC 5-1-1 (eligibility requirements)
Able, Available, and Actively Seeking Work
To remain eligible for benefits each week, claimants must be:
1. Able to work
Physically and mentally capable of performing work without restrictions preventing employment.
2. Available for work
Ready to accept suitable work immediately without commitments preventing employment acceptance. This includes:
- Having childcare arrangements in place
- Having reliable transportation to work
- Being available during normal business hours
- Not having restrictions limiting employment acceptance
3. Actively seeking work
Conducting genuine work search activities that would ordinarily lead to employment. Minimum requirement is 1 work search activity per week, though 2 activities per week is standard expectation.
Source: Indiana Code § 22-4-14-1 (eligibility for waiting period and benefits)
Who Is Not Eligible for Unemployment Benefits in Indiana
The following categories of workers are generally not covered by Indiana’s unemployment insurance program:
Categorical exclusions:
1. Self-employed individuals
Individuals working for themselves as sole proprietors or business owners are not covered. Gig economy workers classified as independent contractors are similarly excluded unless reclassified as employees.
2. Independent contractors
Workers classified as independent contractors rather than employees are not covered. Classification disputes may be appealed if worker believes misclassification occurred.
3. Certain students
Students employed by educational institution in which enrolled and regularly attending classes during academic term are excluded from coverage.
4. Federal civilian employees
Covered under Unemployment Compensation for Federal Employees (UCFE) program administered by state but paid from federal funds.
- Information: https://oui.doleta.gov/unemploy/ucfe_ucx.asp
5. Military personnel
Ex-servicemembers covered under Unemployment Compensation for Ex-Servicemembers (UCX) program.
- Information: https://oui.doleta.gov/unemploy/ucfe_ucx.asp
6. Certain agricultural workers
Agricultural workers not meeting minimum crew size or wage thresholds specified in Indiana Code § 22-4-8-2(l).
7. Certain domestic workers
Domestic workers in private homes earning below quarterly threshold ($1,000 per quarter).
8. Real estate and insurance agents
Licensed agents paid solely by commission with no employer control over work performance.
9. Elected officials
Services performed in elected public office are excluded.
10. Religious organization employees
Services performed for churches and religious organizations are excluded from coverage.
Source: Indiana Code § 22-4-8-3 (excluded services)
Federal programs: 5 U.S.C. § 8501 (UCFE); 5 U.S.C. § 8521 (UCX)
How Unemployment Benefit Amounts Are Calculated in Indiana
Weekly Benefit Amount (WBA)
Calculation formula:
Indiana calculates the weekly benefit amount as 47% of average weekly wage during base period:
Formula: (Total base period wages ÷ 52) × 0.47 = Weekly Benefit Amount
For 2026:
- Minimum WBA: $50
- Maximum WBA: $390
- Average WBA: Approximately $340 (2025 data)
Example calculation:
Base period wages: $26,000
Step 1: Calculate average weekly wage
$26,000 ÷ 52 = $500 per week
Step 2: Calculate WBA
$500 × 0.47 = $235
Result: Weekly benefit amount = $235
High earner example:
Base period wages: $52,000
Step 1: $52,000 ÷ 52 = $1,000 per week
Step 2: $1,000 × 0.47 = $470
Result: Capped at maximum of $390 per week
Partial unemployment:
Claimants working part-time may receive reduced benefits. Indiana allows earnings up to $3 per week without benefit reduction. Any earnings above $3 are deducted dollar-for-dollar from weekly benefit amount.
Example: WBA = $300, earnings = $150
Benefit payment = $300 – ($150 – $3) = $153
Source: Indiana Code § 22-4-12-3 (benefit calculation)
Verification: Indiana DWD FAQ page
Official calculator: https://www.in.gov/dwd/indiana-unemployment/ (estimate only, not official determination)
Maximum Benefit Amount and Duration
Maximum benefit amount (MBA):
The maximum benefit amount equals the total benefits available during benefit year:
Formula: Weekly Benefit Amount × 26 weeks = Maximum Benefit Amount
Standard benefit duration: 26 weeks
Example: WBA = $300
Maximum benefit amount = $300 × 26 = $7,800
Maximum total benefits (2026): $10,140 (maximum WBA of $390 × 26 weeks)
Benefit year:
Benefits are payable for up to 26 weeks within a 52-week benefit year beginning the week the claim is filed. Benefit year starts the Sunday of the week claim is filed and ends 52 weeks later on Saturday.
Benefit exhaustion:
Once maximum benefit amount is paid, benefits are exhausted for that benefit year. New claim may be filed after benefit year ends if claimant has sufficient wages in new base period.
Extended Benefits (EB) program:
Additional weeks of benefits may be available when Indiana’s unemployment rate triggers federal-state Extended Benefits program. EB provides up to 13 additional weeks (50% of regular benefits 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 31, 2026
Status verification: https://www.in.gov/dwd/indiana-unemployment/
Source: Indiana Code § 22-4-12-1 (duration); Extended Unemployment Compensation Act § 202 (EB)
Dependents Allowance
Indiana does not provide dependent allowances for unemployment benefits. Weekly benefit amount is based solely on claimant’s base period wages without adjustment for number of dependents.
Source: Indiana Code Title 22, Article 4 reviewed; no dependent allowance provisions exist
Unemployment Benefit Payment Schedule in Indiana
| Payment Process and Timeline | ||
|---|---|---|
| Phase | Timeframe | Details |
| Weekly Certification Window | Sunday–Saturday each week | File voucher for previous week’s unemployment |
| Processing Time | 2–3 business days | DWD processes certification and verifies eligibility |
| Payment Authorization | 1–2 business days after processing | Payment approved and sent to selected payment method |
| Direct Deposit | 2–3 business days | Funds available in bank account |
| Prepaid Debit Card | 2–3 business days | Funds loaded to ReliaCard |
| Total Timeline | 3 weeks from filing | Typical time from initial claim to first payment if no issues |
Waiting week impact:
Indiana requires a one-week waiting period. The first week of unemployment is not compensable, meaning no benefits are paid for the first week even if otherwise eligible. First payment received is for second week of unemployment.
According to Indiana Code § 22-4-12-4: “An individual shall not be eligible for a waiting period or for benefits for the first week in his benefit year for which he is otherwise eligible.”
Weekly certification schedule:
Weekly vouchers must be filed each week for the previous week. Filing window typically opens Sunday morning and closes Saturday night. Vouchers may be filed:
- Online: Through Uplink system 24/7
- Phone: 1-800-891-6499 during business hours
Late filing: Certifications filed more than 7 days late may be denied. File on time each week to avoid payment delays or denials.
Source: Indiana Code § 22-4-12-4 (waiting week); Indiana DWD payment timeline information
Payment information: https://www.in.gov/dwd/indiana-unemployment/individuals/
Last verified: January 31, 2026
Payment Methods
Available payment options:
1. Direct deposit
- Fastest payment method
- Funds deposited directly to checking or savings account
- Requires bank routing number and account number
- Setup during initial claim or in Uplink account
2. Prepaid debit card (ReliaCard)
- Visa debit card issued by U.S. Bank
- Card mailed within 7-10 business days after first payment authorized
- Funds loaded automatically each week
- Can be used at ATMs, stores, or online
- No fee for first ATM withdrawal per deposit at network ATMs
3. Paper check
- Slowest payment method
- Check mailed to address on file
- May take 7-10 business days to receive
Source: Indiana DWD payment options information
Payment methods page: https://www.in.gov/dwd/indiana-unemployment/individuals/
How to File an Unemployment Claim in Indiana
Online Filing (Primary Method)
Filing portal: Uplink Claimant Self Service
URL: https://uplink.in.gov/CSS/CSSLogon.htm
Availability: 24/7 (except during scheduled maintenance)
Step-by-step filing process:
- Create Uplink account – Register using valid email address as username and create secure password
- Verify identity – Provide Social Security number, date of birth, and answer identity verification questions
- Enter personal information – Complete fields for:
- Full legal name
- Current mailing address
- Contact phone number
- Driver’s license or state ID number
- Provide employment history – List all employers during past 18 months with:
- Employer name and complete mailing address
- Employer phone number
- Dates of employment (start and end dates)
- Reason for separation
- Last day physically worked
- Answer eligibility questions – Questions about:
- Availability for full-time work
- Physical ability to work
- Willingness to accept suitable work
- Receipt of severance or pension payments
- Union membership status
- Select payment method – Choose direct deposit (requires banking information) or prepaid debit card
- Submit claim – Review all information for accuracy and submit application
Required information:
- Social Security number
- Driver’s license or state-issued ID number
- Complete employment history for last 18 months
- Bank account information for direct deposit (optional)
- Alien registration number (if not U.S. citizen)
Processing: Monetary determination issued within 10 business days. Eligibility determination issued within 21 business days if no issues require investigation.
Source: Indiana DWD filing instructions
Official filing page: https://www.in.gov/dwd/indiana-unemployment/file/
Claimant handbook: https://www.in.gov/dwd/files/Claimant_Handbook.pdf
Phone Filing
Indiana does not offer initial claim filing by phone. All initial unemployment claims must be filed online through Uplink system. Phone assistance is available for questions and technical support at 1-800-891-6499, but claims cannot be filed over phone.
Alternative for individuals without internet access:
Visit local WorkOne Career Center for computer access and assistance with online filing. WorkOne staff can provide guidance but claimants must complete online application themselves.
Source: Indiana DWD filing information
WorkOne locations: https://www.in.gov/dwd/find-a-workone/
Required Documents and Information for Filing
Personal identification:
- Social Security number or Social Security card
- Driver’s license or state-issued ID
- Date of birth
- Current mailing address
- Contact phone number and email address
Employment documentation:
- Last employer complete information (name, address, phone, dates)
- Reason for job separation
- Last day physically worked
- Separation documents (if available): layoff notice, termination letter, furlough notice
- All employers worked for 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):
- Work authorization documents (non-citizens must provide alien registration number)
- DD Form 214 (separated military members)
- SF-8 or SF-50 (federal civilian employees)
- Union membership information (union name and local number)
Most documents can be uploaded through Uplink portal after filing initial claim if requested by DWD for eligibility verification.
Source: Indiana DWD filing requirements
Document checklist: https://www.in.gov/dwd/indiana-unemployment/file/
Weekly Certification and Ongoing Eligibility Requirements
Certification Process
Certification frequency: Weekly
Filing window: Sunday through Saturday for previous week
Method: Online through Uplink system (primary), phone at 1-800-891-6499
Each weekly voucher requires answering questions about the previous week:
- Were you physically able to work all days?
- Were you available for full-time work all days?
- Did you look for work?
- How many work search contacts did you make?
- Did you refuse any job offers or referrals?
- Did you work or earn any money (even odd jobs)?
- Did you receive any separation pay, holiday pay, or pension?
- Are you attending school or training?
Late filing: Vouchers filed more than 7 days late may be denied. File each week by Saturday night to avoid delayed or denied benefits. Continue filing even if issues exist on claim to preserve eligibility for all weeks once resolved.
Source: Indiana Code § 22-4-14-1 (continuing claim requirements)
Weekly certification instructions: https://www.in.gov/dwd/indiana-unemployment/file/
Work Search Requirements
Required work search activities:
Indiana requires claimants to conduct work search activities each week and complete at least 1 qualifying activity per week. Standard practice is 2 activities per week.
Qualifying activities:
- Job applications:
- Submitting online, in-person, or phone application to potential employer
- Each application counts as one activity
- Job interviews:
- Attending scheduled interview with employer
- Phone or video interviews qualify
- Career center activities:
- Attending WorkOne orientation or workshop
- Meeting with career counselor
- Attending job fair or hiring event
- Networking activities:
- Attending professional networking event
- Contacting professional contacts about employment
- Resume and skill activities:
- Creating or updating resume (counts once per claim)
- Completing career assessment through Indiana Career Connect
- Taking skills assessment or vocational testing
- Training activities:
- Attending approved training program
- Taking online course to improve job skills
Documentation required:
For each work search activity, record:
- Date of activity
- Employer name and address (if job application)
- Contact person and method of contact
- Type of activity completed
- Position applied for or discussed
- Result or response
Work search log: Claimants must maintain written record of work search activities using DWD Work Search Log or personal tracking system. Documentation must be retained for 6 months and provided upon request.
Work search log download: https://www.in.gov/dwd/files/Work_Search_Log.pdf
Audit process:
DWD conducts random audits of work search activities. Selected claimants receive notice to provide documentation within specified timeframe. Failure to document adequate work search may result in benefit denial for affected weeks.
Exemptions:
The following claimants may be exempt from work search requirements:
1. Temporary layoff with definite recall date
Workers temporarily laid off with specific recall date within 4 weeks are exempt. Exemption applies only while recall date remains definite. If recall is postponed or cancelled, work search requirement applies.
2. Union hiring hall members
Union members obtaining work exclusively through union hiring hall are exempt if registered with union dispatch system and available for dispatch.
3. Approved training program participants
Claimants enrolled in DWD-approved training program are exempt from work search but must attend all scheduled classes. Training must be approved in advance by WorkOne counselor.
4. RESEA participants
During weeks of active RESEA participation, work search activities conducted through RESEA program satisfy requirements. Continue documenting all activities.
Each exemption requires verification and approval by DWD. Claimants must file weekly vouchers and report exemption status each week.
Source: Indiana Code § 22-4-14-1 (work search); 646 IAC 5-10-6 (approved activities)
Work search information: https://www.in.gov/dwd/indiana-unemployment/individuals/work-search/
Indiana Career Connect Registration
Registration requirement:
All unemployment claimants must register with Indiana Career Connect within 10 days of filing initial claim. Failure to register results in benefit denial.
Registration process:
- Automatic account creation – Account created automatically when filing unemployment claim using information from claim
- Complete profile – Log in to Indiana Career Connect and complete:
- Work experience and employment history
- Education and training
- Skills and certifications
- Career interests and goals
- Create resume – Build public resume using online resume builder or upload existing resume
- Activate job search – Set job search preferences and activate job matching alerts
Indiana Career Connect access: https://www.indianacareerconnect.com/
Employers use Indiana Career Connect to search for qualified candidates. Public resume increases visibility to potential employers and satisfies work search documentation when employers contact claimant.
Source: Indiana DWD Career Connect requirements
Indiana Career Connect: https://www.indianacareerconnect.com/
RESEA Program
Reemployment Services and Eligibility Assessment (RESEA):
After receiving benefits for 4 weeks, some claimants are selected to participate in RESEA program. Selection is random based on occupational profile and unemployment duration probability.
RESEA requirements:
Selected claimants must:
- Attend scheduled RESEA orientation at WorkOne office
- Meet with career counselor for assessment
- Develop individualized reemployment plan
- Participate in required workshops or training
- Attend follow-up appointments as scheduled
Notification: Selected claimants receive notice through Uplink account and email with appointment date, time, and location. Notice typically provides 7-10 days advance notice.
Participation mandatory: Failure to attend scheduled RESEA appointment without good cause results in benefit denial. Contact WorkOne immediately if unable to attend to reschedule.
Source: Indiana DWD RESEA information
RESEA details: https://www.in.gov/dwd/indiana-unemployment/
What Happens After Filing a Claim
Claim Processing Steps
1. Initial claim received
DWD receives application and creates claim in system. Claimant receives confirmation email or message in Uplink account.
2. Employer notification
DWD sends notice to last employer(s) requesting separation information. Employers have 15 days to respond with details about job separation reason.
3. Monetary determination issued
Document showing base period wages, weekly benefit amount, maximum benefit amount, and benefit year dates. Issued within 10 business days of filing.
Monetary determination contents:
- Base period wages by quarter and employer
- Weekly benefit amount (WBA)
- Maximum benefit amount (MBA)
- Benefit year beginning and ending dates
- Wage credits by employer
4. Non-monetary determination (if needed)
Issued when eligibility questions exist regarding:
- Reason for job separation
- Availability for work
- Refusal of work
- Work search compliance
- Other disqualifying issues
Investigation process:
- Fact-finding interview scheduled (usually by phone)
- DWD investigator contacts claimant and employer
- Both parties provide statements and evidence
- Investigation completed
- Determination issued with appeal rights
5. First payment
If approved with no issues, first payment issued for second week of unemployment (after waiting week) once weekly voucher filed and approved.
Typical processing timeline:
- Monetary determination: 10 business days after filing
- Non-monetary determination: 21 business days if investigation required (may take longer for complex issues)
- First payment: 3 weeks from filing if no issues
Source: Indiana DWD claims processing information
Processing timeline: https://www.in.gov/dwd/indiana-unemployment/file/
Reasons an Unemployment Claim May Be Denied
Monetary Denial
Claims denied for insufficient wages during base period. Common reasons:
- Total base period wages below $4,200 minimum
- Last two quarters wages below $2,500 minimum
- Total wages less than 1.5 times highest quarter wages
- Insufficient wage credits in covered employment
Appeal option: Claimants believing wages were incorrectly reported may appeal monetary determination within 15 days.
Non-Monetary Denial (Disqualifications)
1. Voluntary quit without good cause
Disqualification until claimant returns to work and earns at least 8 times weekly benefit amount.
2. Discharge for just cause
Disqualification for 10 weeks or until earns 10 times weekly benefit amount, whichever is longer.
3. Refusal of suitable work
Disqualification for 10 weeks or until earns 10 times weekly benefit amount, whichever is longer.
4. Failure to apply for suitable work when directed
Disqualification for 2 weeks from failure.
5. Work search non-compliance
Denial of benefits for weeks with inadequate work search documentation.
6. Availability issues
Denial for weeks when not available for full-time work due to:
- Restrictions limiting employment acceptance
- Lack of childcare or transportation
- Unavailability during normal business hours
- Commitment to activities conflicting with employment
7. School attendance
Students attending school full-time may be denied if not available for full-time work.
Administrative Denial
- Incomplete application missing required information
- Failure to provide requested documentation
- Missed fact-finding interview without good cause
- Identity verification failure
- Non-response to DWD requests within specified timeframe
- Failure to register with Indiana Career Connect within 10 days
Source: Indiana Code § 22-4-15-1 (disqualification provisions)
Denial information: https://www.in.gov/dwd/indiana-unemployment/individuals/
How to Appeal an Unemployment Decision in Indiana
Appeal Deadlines
Initial determination appeal deadline: 15 calendar days from mailing date of determination
Critical: Appeals must be filed within 15 days of the date the determination was mailed (shown on notice), NOT the date received. Postmark date must be on or before deadline for mailed appeals.
Calculation example: Determination mailed January 15, appeal deadline is January 30.
Late appeals: May be accepted for good cause if filed within reasonable time after deadline. Claimant must explain reason for late filing and demonstrate circumstances beyond control prevented timely filing.
Source: Indiana Code § 22-4-17-2(c) (initial appeal deadline)
Appeal Filing Process
How to file appeal:
1. Online:
- Log in to Uplink account
- Go to Correspondence History section
- Select determination being appealed
- Click “Appeal” button
- Complete appeal form explaining disagreement
- Submit electronically
2. Mail: Department of Workforce Development
Appeals Section
10 North Senate Avenue
Indianapolis, IN 46204
3. Fax: 317-233-5691
4. In person: DWD Lobby, 10 North Senate Avenue, Indianapolis, IN 46204
Required information:
- Claimant name and Social Security number
- Determination being appealed (include document number from notice)
- Clear statement of disagreement with determination
- Reason for appeal
- Signature and date
- Current contact information
No specific appeal form required: Written statement explaining disagreement is sufficient. Include all relevant facts and circumstances supporting position.
Confirmation: Keep documentation proving timely filing (certified mail receipt, fax confirmation, email confirmation).
Source: Indiana DWD appeals process
Appeal information: https://www.in.gov/dwd/indiana-unemployment/individuals/file-an-appeal/
Hearing Process
Hearing notification:
Notice of Hearing mailed at least 7-10 days before scheduled hearing date, including:
- Date and time of hearing
- Hearing method (telephone conference call)
- Administrative Law Judge (ALJ) name
- Issues to be decided
- Parties involved
- Instructions for participation
Hearing format:
Type: Telephone conference call
Officer: Administrative Law Judge (ALJ)
Duration: Typically 30-60 minutes
Recording: All hearings recorded for appeal purposes
Evidence submission:
- Deadline: Provide documents to ALJ before hearing date
- Method: Fax to number provided in hearing notice or upload through Uplink
- Requirement: Provide copies to all parties
- Accepted formats: Documents, photographs, records, pay stubs, correspondence
Hearing procedures:
- ALJ explains hearing process and issues
- Parties sworn in under oath
- Testimony taken (claimant first, then employer if participating)
- Evidence reviewed and discussed
- Witnesses questioned by ALJ and opposing party
- Both parties make closing statements
- Hearing concluded
Witnesses: May testify by being present on phone call at scheduled time. Notify ALJ before hearing if witnesses will testify.
Representation: Claimants may be represented by attorney or authorized representative. Representation not required but may be beneficial for complex cases.
Decision:
Written decision issued within 15-30 days after hearing. Decision mailed to all parties and includes:
- Findings of fact based on testimony and evidence
- Conclusions of law
- Final decision (allowed, denied, or disqualified)
- Explanation of reasoning
- Appeal rights to Review Board
Source: Indiana Code § 22-4-17-2 (hearing procedures); 646 IAC 5-10-7
Hearing information: https://www.in.gov/dwd/indiana-unemployment/individuals/file-an-appeal/
Further Appeals
Second-level appeal – Review Board:
Appeals of ALJ decisions filed with Unemployment Insurance Review Board.
Deadline: 15 calendar days from date ALJ decision was mailed
Method: Written appeal submitted to: Department of Workforce Development
Review Board
10 North Senate Avenue
Indianapolis, IN 46204
Review process:
- Review Board examines hearing record
- No new hearing conducted (typically record review only)
- May accept additional evidence for good cause shown
- Written decision issued within 3-6 weeks
Decision becomes final: 30 days after mailing unless appealed to court
Source: Indiana Code § 22-4-17-3(b) (Review Board appeal)
Judicial appeal – Indiana Court of Appeals:
Final administrative decisions may be appealed to Indiana Court of Appeals for errors of law.
Deadline: 30 days from Review Board decision
Jurisdiction: Indiana Court of Appeals
Process: File Notice of Intention to Appeal within 30 days, then perfect appeal by requesting transcript preparation
Representation: Legal counsel available for court appeals
Contact: Indiana Court of Appeals, 317-232-1930
Court information: https://www.in.gov/judiciary/court-of-appeals/
Source: Indiana Code § 22-4-17-11 and § 22-4-17-12 (judicial review)
Unemployment Fraud, Penalties, and Overpayments
Fraud Definition and Examples
Fraud defined:
According to Indiana Code § 22-4-13-1(c), fraud occurs when individual knowingly makes false statement or knowingly fails to disclose 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 or outside Indiana
- Using another person’s identity to file claim
- Not reporting receipt of severance, pension, or holiday pay
- Failing to report job refusals when certifying
- Filing claims in multiple states simultaneously
- Continuing to claim benefits after returning to work
Source: Indiana Code § 22-4-13-1 (fraud provisions)
Penalties for Fraud
Administrative penalties:
Claimants found to have committed fraud face:
- Repayment: 100% of fraudulently obtained benefits plus interest
- Penalty: 50% of overpayment amount
- Interest: 1% per month on unpaid balance
- Disqualification: Ineligible for benefits for 52 weeks (one year) after fraud determination
Criminal penalties:
Unemployment fraud is criminal offense under Indiana Code § 35-43-5-4:
Level 6 Felony (fraud over $750):
- Imprisonment: 6 months to 2.5 years
- Fine: Up to $10,000
Class A Misdemeanor (fraud $750 or less):
- Imprisonment: Up to 1 year
- Fine: Up to $5,000
Source: Indiana Code § 22-4-13-1(c) (administrative penalties); IC § 35-43-5-4 (criminal penalties)
Report fraud: 1-800-437-9136 or https://www.in.gov/dwd/indiana-unemployment/individuals/report-fraud/
Non-Fraud Overpayments
Overpayment without fraud:
Overpayments may occur without fraudulent intent due to:
- DWD administrative error in processing
- Delayed employer information changing eligibility
- Determination reversed on appeal
- Good faith mistake by claimant
- Misunderstanding of reporting requirements
Repayment obligation:
Non-fraud overpayments must be repaid in full. No penalty or interest assessed for non-fraud overpayments, only principal amount owed.
Overpayment waiver:
Indiana offers overpayment waivers under limited circumstances. Waiver may be granted if:
- Overpayment not caused by claimant fault
- Repayment would cause severe financial hardship
- Claimant provided accurate information when filing
Waiver application: Request Overpayment Waiver form through Uplink account or contact DWD Collections at 1-800-262-6949.
Repayment options:
1. Lump sum payment:
- Full payment by check or money order
- Mail to: Department of Workforce Development, Trust Fund Accounting – Overpayments, 10 North Senate Avenue, Indianapolis, IN 46204
2. Payment plan:
- Monthly installment agreement (typically 12-24 months)
- Arranged by contacting DWD Collections at 317-233-4838 or 1-800-262-6949
- Minimum monthly payment required
3. Offset from future benefits:
- If claimant becomes eligible for benefits in future, overpayment deducted from weekly benefits
- Typically 50% of weekly benefit amount withheld
4. Federal/state tax refund intercept:
- Overpayments may be collected through Treasury Offset Program
- Federal and Indiana state tax refunds intercepted
5. Wage garnishment:
- Court-ordered wage garnishment if repayment not made
- Up to 25% of disposable earnings may be garnished
Source: Indiana Code § 22-4-13-1 (overpayment recovery and collection)
Overpayment information: https://www.in.gov/dwd/indiana-unemployment/individuals/overpayment-faq/
Collections contact: 1-800-262-6949
Taxation of Unemployment Benefits in Indiana
Federal Tax Treatment
Federal taxation:
Unemployment benefits are taxable income under federal law (26 U.S.C. § 85). All unemployment compensation received during calendar year must be reported on federal income tax return.
Form 1099-G:
DWD issues Form 1099-G by January 31 each year showing:
- Box 1: Total unemployment compensation paid during year
- Box 4: Federal income tax withheld (if elected)
Withholding option:
Claimants may elect federal income tax withholding at flat 10% rate of benefit payment.
How to elect withholding:
- During initial claim filing
- Through Uplink account at any time
- By completing IRS Form W-4V
Source: IRS Publication 525 (Taxable and Nontaxable Income); 26 U.S.C. § 85
IRS unemployment information: https://www.irs.gov/individuals/employees/unemployment-compensation
State Tax Treatment
Indiana taxation:
Unemployment benefits are subject to Indiana state income tax. Full amount of unemployment compensation received must be included in Indiana adjusted gross income.
State withholding:
Indiana does not offer state income tax withholding from unemployment benefits. Claimants may need to make estimated tax payments quarterly to avoid underpayment penalties.
Estimated tax payments:
Claimants expecting to owe $1,000 or more in Indiana tax may need to file quarterly estimated tax payments using Indiana Form IT-6.
Source: Indiana Department of Revenue
Indiana tax information: https://www.in.gov/dor/
Form 1099-G Access
Form 1099-G distribution:
DWD issues Form 1099-G by January 31 following calendar year benefits received.
Access methods:
1. Online:
- Log in to Uplink account
- Navigate to Tax Information section
- View and print Form 1099-G
2. Mail:
- Form mailed to address on file with DWD
- Allow 7-10 business days for mail delivery
3. Phone:
- Call 1-800-891-6499 to request duplicate copy
Incorrect Form 1099-G:
If Form 1099-G shows incorrect amounts or includes benefits not received:
- Contact DWD immediately at 1-800-891-6499
- Report suspected fraud at 1-800-437-9136
- Request corrected Form 1099-G before filing tax return
- Do not file taxes using incorrect 1099-G
Source: Indiana DWD tax information
1099-G information: https://www.in.gov/dwd/indiana-unemployment/individuals/
Special Unemployment Programs in Indiana
Currently Active Programs (2026)
Extended Benefits (EB)
Program status (2026): Inactive
Extended Benefits provide additional weeks of unemployment compensation when Indiana’s unemployment rate meets federal trigger criteria.
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
Additional weeks if triggered: Up to 13 weeks (50% of regular benefit duration of 26 weeks)
Current status verification:
URL: https://www.in.gov/dwd/indiana-unemployment/
Last checked: January 31, 2026
Current IUR: Below trigger threshold
Source: Extended Unemployment Compensation Act § 202; Indiana Code § 22-4-2-34
Federal EB information: https://oui.doleta.gov/unemploy/eb.asp
Trade Adjustment Assistance (TAA)
TAA program: Active (federal program administered by states)
Workers who lose jobs due to foreign trade impact may qualify for:
- Extended unemployment benefits beyond regular duration
- Job training funding and tuition assistance
- Job search allowances
- Relocation allowances for employment in different area
Eligibility: Employer must be certified by U.S. Department of Labor as trade-affected due to foreign competition or imports.
Indiana TAA coordinator:
Indiana Department of Workforce Development
Phone: 1-800-891-6499
Source: Trade Act of 1974, 19 U.S.C. § 2271
DOL TAA information: https://www.dol.gov/agencies/eta/tradeact
Disaster Unemployment Assistance (DUA)
DUA availability: Available only during federally declared disasters
Provides temporary benefits to individuals who lost employment due to major disaster and are not eligible for regular unemployment insurance.
Activation: Only during presidentially declared major disasters affecting Indiana
Application: Through Indiana DWD when disasters declared
Duration: Up to 26 weeks of assistance
Eligibility: Self-employed, independent contractors, and others not covered by regular UI who lost work due to disaster.
Source: Robert T. Stafford Disaster Relief Act, 42 U.S.C. § 5177
FEMA DUA information: https://www.fema.gov/assistance/individual/program
Unemployment Compensation for Federal Employees (UCFE)
Program: Active (federal program administered by Indiana)
Provides unemployment benefits to former federal civilian employees.
Administration: Indiana DWD administers program on behalf of federal government
Funding: Paid from federal funds, not state unemployment insurance fund
Filing: File through regular Indiana unemployment system (Uplink)
Source: 5 U.S.C. § 8501
Federal employee UI: https://oui.doleta.gov/unemploy/ucfe_ucx.asp
Unemployment Compensation for Ex-Servicemembers (UCX)
Program: Active (federal program administered by Indiana)
Provides unemployment benefits to recently separated military servicemembers.
Administration: Indiana DWD administers program on behalf of federal government
Eligibility: Separated from active military service with DD-214 separation form
Filing: File through regular Indiana unemployment system with military documentation
Source: 5 U.S.C. § 8521
Ex-servicemember UI: https://oui.doleta.gov/unemploy/ucfe_ucx.asp
Context: Indiana Compared to National Benchmarks
Indiana benefit levels in national context (2026):
- Maximum WBA: $390 (41st of 50 states – below national average)
- Duration: 26 weeks (standard duration matching 40+ states)
- Waiting week: Required (31 states require waiting week in 2026)
- Work search requirement: 1 activity/week (less stringent than many states requiring 3-5 contacts)
National WBA range (2026):
- Highest maximum WBA: Massachusetts ($1,015/week)
- Lowest maximum WBA: Mississippi ($235/week)
- Indiana position: $390/week places Indiana in lower half of states
- Most common duration: 26 weeks in most states
Indiana’s unemployment program provides standard 26-week duration but below-average benefit amounts compared to other states. Maximum weekly benefit of $390 has not increased since 2011 despite inflation and wage growth.
For comprehensive state-by-state comparisons:
U.S. DOL Comparison: https://oui.doleta.gov/unemploy/comparison/
State UI information: https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx
Source: U.S. Department of Labor, Comparison of State UI Laws 2026
Resources
Indiana unemployment resources:
Indiana Department of Workforce Development
Phone: 1-800-891-6499
TTY: 1-800-743-3333
Website: https://www.in.gov/dwd/
Unemployment page: https://www.in.gov/dwd/indiana-unemployment/
Hours: Monday-Friday, 8:00 AM – 4:30 PM Eastern
Uplink filing system:
https://uplink.in.gov/CSS/CSSLogon.htm
Indiana Career Connect:
https://www.indianacareerconnect.com/
Appeals information:
https://www.in.gov/dwd/indiana-unemployment/individuals/file-an-appeal/
Phone: 317-232-7719
Fraud reporting:
Phone: 1-800-437-9136
Website: https://www.in.gov/dwd/indiana-unemployment/individuals/report-fraud/
Overpayment collections:
Phone: 1-800-262-6949 or 317-233-4838
WorkOne Career Centers:
Locations: https://www.in.gov/dwd/find-a-workone/
Federal resources:
U.S. Department of Labor – Unemployment Insurance
Website: https://www.dol.gov/agencies/eta/unemployment-insurance
CareerOneStop (job search resources)
Website: https://www.careeronestop.org/
Phone: 1-877-872-5627
IRS (unemployment tax information)
Website: https://www.irs.gov/individuals/employees/unemployment-compensation
Phone: 1-800-829-1040
Source: Official government websites
Frequently Asked Questions: Indiana Unemployment Benefits 2026
What are unemployment benefits in Indiana?
Unemployment benefits in Indiana are temporary income replacement payments for workers who lose employment through no fault of their own. The program is funded by employer payroll taxes and administered by the Indiana Department of Workforce Development. Benefits typically last up to 26 weeks and are calculated as 47% of average weekly wage during the base period, subject to minimum of $50 and maximum of $390 per week.
How much can I receive in unemployment benefits in Indiana?
Weekly benefit amounts range from $50 to $390 per week, calculated as 47% of average weekly wage during base period. Total benefits available equal weekly benefit amount times 26 weeks, up to maximum of $10,140 for highest earners. Actual amount depends on wages earned during first four of last five completed calendar quarters before filing.
How long does it take to get unemployment benefits in Indiana?
First payment typically issued within 3 weeks of filing if no eligibility issues exist. Monetary determination issued within 10 business days, eligibility determination within 21 business days. Indiana requires one-week waiting period, so first payment is for second week of unemployment. Direct deposit is fastest payment method, with funds available 2-3 business days after payment authorized.
Can I work part-time and still receive unemployment in Indiana?
Yes, claimants may work part-time and receive partial benefits. Indiana allows earnings up to $3 per week without benefit reduction. Earnings above $3 are deducted dollar-for-dollar from weekly benefit amount. Must report all earnings when filing weekly voucher, including cash payments and odd jobs. Failure to report earnings may result in fraud overpayment with penalties.
What disqualifies you from unemployment in Indiana?
Common disqualifications include: discharge for just cause (10-week penalty), voluntary quit without good cause (disqualified until requalify by earning 8 times WBA), refusal of suitable work (10-week penalty), failure to conduct adequate work search, unavailability for full-time work, school attendance conflicting with employment, and providing false information when filing. Criminal convictions and fraud result in extended disqualifications.
How do I file for unemployment in Indiana?
File online through Uplink system at https://uplink.in.gov/CSS/CSSLogon.htm. Create account using email address, provide personal information, list all employers from past 18 months with separation reasons, answer eligibility questions, and select payment method. Registration with Indiana Career Connect is required within 10 days. File weekly vouchers every week to receive benefits. Phone filing not available.
Are unemployment benefits taxable in Indiana?
Yes, unemployment benefits are taxable for both federal and Indiana state income tax purposes. DWD issues Form 1099-G by January 31 showing total benefits paid. Claimants may elect 10% federal withholding when filing claim or anytime through Uplink account. Indiana does not offer state withholding; may need quarterly estimated tax payments to avoid underpayment penalties.
How do I appeal an unemployment denial in Indiana?
File appeal within 15 days from date determination was mailed. Appeal online through Uplink account, by mail to DWD Appeals Section, by fax to 317-233-5691, or in person at DWD office. Include name, Social Security number, determination being appealed, and explanation of disagreement. Administrative Law Judge conducts telephone hearing within 8-10 weeks. Decision may be appealed to Review Board within 15 days, then to Court of Appeals within 30 days.
What work search requirements does Indiana have?
Claimants complete at least 1 qualifying work search activity per week. Standard practice is 2 activities per week. Qualifying activities include job applications, job interviews, career center workshops, networking events, and skills assessments. Written log documenting each activity with employer name, date, contact method, and result is maintained. Registration with Indiana Career Connect within 10 days of filing is required. DWD conducts random audits requiring documentation submission.
What happens if I refuse a job offer while on unemployment?
Refusing suitable work results in 10-week disqualification or until earn 10 times weekly benefit amount, whichever is longer. Must report all job offers and refusals when certifying weekly. Suitable work determination considers job similarity to previous work, pay rate, working conditions, skills required, and commute distance. Good cause for refusal includes wages substantially below prevailing rate, unsafe working conditions, or position requiring skills claimant doesn’t possess.
Can I collect unemployment if I was fired in Indiana?
Depends on reason for termination. Layoff due to lack of work qualifies for benefits. Discharge for poor performance or inability to do job typically qualifies. Discharge for just cause (deliberate policy violation, misconduct, intoxication, criminal activity, excessive absences) results in 10-week disqualification. Burden of proof on employer to show discharge was for just cause. DWD investigates separation circumstances and issues determination based on evidence.
What is the waiting week in Indiana?
Indiana requires one-week waiting period during which no benefits paid. First week of unemployment is not compensable even if otherwise eligible. Must file weekly voucher for waiting week to establish it. First payment issued for second week of unemployment. Waiting week cannot be served if claimant not otherwise eligible that week.