Colorado 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 Colorado, 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 Colorado provide temporary income replacement for eligible workers who lose employment through no fault of their own. The program is administered by the Colorado Department of Labor and Employment, Division of Unemployment Insurance, and funded through employer taxes under state and federal law.
Program authority: Colorado Employment Security Act, Colorado Revised Statutes Title 8, Articles 70-82
Administering agency: Colorado Department of Labor and Employment, Division of Unemployment Insurance
Official website: https://cdle.colorado.gov/unemployment
This guide provides comprehensive information on Colorado 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: Colorado Revised Statutes, Colorado Department of Labor and Employment official guidance, U.S. Department of Labor
| Colorado Unemployment Benefits – 2026 Quick Reference | ||
|---|---|---|
| Category | 2026 Information | Official Source |
| Maximum Weekly Benefit | $844 | C.R.S. § 8-73-102 |
| Minimum Weekly Benefit | $25 | C.R.S. § 8-73-102 |
| Standard Duration | 26 weeks | C.R.S. § 8-73-102 |
| Waiting Week Required | Yes | C.R.S. § 8-73-107(1)(d) |
| Filing Portal | MyUI+ | myui.coworkforce.com |
| Certification Frequency | Weekly | CDLE official guidance |
| Work Search Required | 5 activities/week (CDLE guidance) | CDLE official guidance |
| Appeal Deadline | 20 days from mailing | C.R.S. § 8-74-106 |
| Payment Methods | Direct deposit, debit card | CDLE official guidance |
| Tax Withholding Available | Federal: Yes (10%) / State: Yes (variable) | CDLE official guidance |
ℹ️ Key Unemployment Insurance Terms
Common terms used throughout this guide:
Claimant - Individual filing for unemployment benefits
Base Period - 12-month period used to determine monetary eligibility (typically first 4 of last 5 completed quarters)
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
MyUI+ - Colorado's online unemployment claims system
Source: Colorado Department of Labor and Employment terminology guide
Overview of Unemployment Benefits in Colorado
Program Purpose
Unemployment insurance in Colorado provides temporary income replacement for workers who become unemployed through no fault of their own. The program operates as a federal-state partnership, with Colorado administering benefits according to state law while meeting federal requirements.
Legal framework:
The Colorado Employment Security Act, codified at Colorado Revised Statutes Title 8, Articles 70 through 82, establishes the state’s unemployment insurance program. According to C.R.S. § 8-73-108(1)(a):
“In the granting of benefit awards, it is the intent of the general assembly that the division at all times be guided by the principle that unemployment insurance is for the benefit of persons unemployed through no fault of their own.”
State law: Colorado Employment Security Act, C.R.S. Title 8, Articles 70-82
Federal law: Federal Unemployment Tax Act (FUTA), 26 U.S.C. § 3301
Funding: Employer payroll taxes (no employee contribution required)
Source: C.R.S. § 8-73-108; FUTA at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section3301
Administering Agency
Colorado’s unemployment insurance program is administered by the Colorado Department of Labor and Employment, Division of Unemployment Insurance.
Contact information:
Website: https://cdle.colorado.gov/unemployment
Claims filing portal: https://myui.coworkforce.com/
Phone: 303-318-9000 or toll-free 1-800-388-5515
Automated phone system: 303-813-2800 or toll-free 1-888-550-2800
Hours: Monday-Friday, 8:00 AM to 4:00 PM Mountain Time
Mailing address: Colorado Department of Labor and Employment, Division of Unemployment Insurance, P.O. Box 8988, Denver, CO 80201-8988
Source: CDLE official website
Who Is Eligible for Unemployment Benefits in Colorado
Employment Status Requirements
To qualify for unemployment benefits in Colorado, individuals must have worked in covered employment during the base period.
Covered employment definition:
According to C.R.S. § 8-70-115(1)(a):
“‘Employment’, subject to other provisions of this subsection (1), includes any service performed prior to January 1, 1972, which was employment as defined in this subsection (1) prior to such date and service performed after December 31, 1971, by an employee as defined in section 3306 (i) of the ‘Federal Unemployment Tax Act’ and any service performed after December 31, 1977, by an employee, as defined in subsection (o) of section 3306 of the ‘Federal Unemployment Tax Act’, including service in interstate commerce.”
Colorado law further provides at C.R.S. § 8-70-115(1)(b) that:
“Service performed by an individual for another shall be deemed to be employment, irrespective of whether the common-law relationship of master and servant exists, unless and until it is shown to the satisfaction of the division that such individual is free from control and direction in the performance of the service, both under his contract for the performance of service and in fact; and such individual is customarily engaged in an independent trade, occupation, profession, or business related to the service performed.”
Covered employment generally includes most private sector jobs, government positions, and nonprofit organizations with sufficient employee counts.
Excluded categories:
- Independent contractors (unless misclassified)
- Self-employed individuals (unless participating in optional coverage)
- Certain agricultural workers below wage thresholds
- Domestic workers in private homes earning below threshold
- Certain real estate agents working on commission
- Certain insurance agents working on commission
- Students employed by educational institution where enrolled
Source: C.R.S. § 8-70-115 (employment definitions); C.R.S. §§ 8-70-126 through 8-70-140.7 (exclusions)
Official text: https://leg.colorado.gov/bills/cesa
Earnings and Work History Requirements
Base Period Definition:
The base period in Colorado is the first four of the last five completed calendar quarters before filing the claim.
Example: Claim filed in January 2026
- Base period: October 1, 2024 through September 30, 2025
- Alternative base period (if standard fails): January 1, 2025 through December 31, 2025
A calendar quarter consists of three consecutive months: January-March (Q1), April-June (Q2), July-September (Q3), October-December (Q4).
Minimum Monetary Requirements:
To qualify monetarily for benefits in Colorado, claimants must have earned at least $2,500 in wages during the base period. According to C.R.S. § 8-73-107(1)(e):
“The individual has during his or her base period been paid wages for insured work equal to not less than forty times such individual’s weekly benefit amount or two thousand five hundred dollars, whichever is greater.”
Specific requirements:
- Total base period wages: Minimum of $2,500
- Wage distribution: Wages must be in covered employment
- Computation: Weekly benefit amount based on wages in two highest quarters
Alternative base period:
Colorado allows use of alternative base period (last four completed calendar quarters before claim filing) if the standard base period fails to qualify the claimant for benefits.
Source: C.R.S. § 8-73-107(1)(e) – Monetary Eligibility; C.R.S. § 8-70-141 – Base Period Definition
Benefit calculator: https://uibestimator.coworkforce.com/ (provides estimate only, not official determination)
Separation From Employment Requirements
Qualifying vs Disqualifying Separations:
Qualifying separations (eligible for benefits):
The following types of job separation qualify for unemployment benefits in Colorado:
- Layoff due to lack of work
- Business closure or downsizing
- Position elimination
- Reduction in hours below full-time
- Temporary layoff with recall expected within 16 weeks
- Discharge not due to misconduct
- Voluntary quit for good cause attributable to work
Disqualifying separations:
According to Colorado law, benefits are denied if unemployment results from:
1. Voluntary quit without good cause
Leaving employment voluntarily without work-related reason considered “good cause” under state law results in disqualification.
Disqualification period: Until requalifies by earning at least ten times weekly benefit amount in subsequent covered employment
2. Discharge for misconduct
Colorado law defines circumstances that constitute misconduct, including willful violations of workplace rules or deliberate acts harmful to employer’s interests.
Disqualification period: Until requalifies by earning at least ten times weekly benefit amount in subsequent covered employment
3. Refusal of suitable work
Declining job offer meeting definition of “suitable work” without good cause results in disqualification.
Disqualification period: Until requalifies by earning at least ten times weekly benefit amount in subsequent covered employment
4. Labor dispute participation
Active participation in strike, lockout, or labor dispute may result in disqualification during the period of dispute.
Disqualification period: Duration of labor dispute
Good cause exceptions:
Colorado recognizes certain circumstances as “good cause” for voluntary separation, including:
- Following spouse or partner in civil union to new location due to employer-mandated relocation
- Accepting recall to previous job with different employer
- Accepting suitable work with another employer
- Domestic violence circumstances
- Documented medical reasons affecting ability to perform work
- Workplace conditions violating health or safety standards
- Substantial change in working conditions or pay reduction
Source: C.R.S. § 8-73-108 (separation provisions and disqualifications)
Official text: https://leg.colorado.gov/sites/default/files/images/olls/crs2023-title-08.pdf
Current Employment Status Requirements
To remain eligible for unemployment benefits in Colorado, claimants must meet ongoing requirements:
Currently unemployed or underemployed:
According to CDLE guidance, claimants are eligible if:
- Currently unemployed, OR
- Working fewer than 32 hours per week AND
- Earning less than the weekly benefit amount
Able and available for work:
C.R.S. § 8-73-107(1)(c) requires claimants to be “able to work and available for work.” This means:
- Physically and mentally capable of working
- Available to begin work immediately if suitable job offered
- No restrictions preventing acceptance of suitable work
- Available during normal working hours in occupation
Actively seeking work:
Claimants must engage in active work search and complete verifiable work search activities each week. This requirement is detailed in the work search section of this guide.
Source: C.R.S. § 8-73-107; CDLE eligibility guidance at https://cdle.colorado.gov/eligibility-and-work-search-requirements
Who Is Not Eligible for Unemployment Benefits in Colorado
The following categories of workers are generally not covered by Colorado’s unemployment insurance program:
Categorical exclusions:
1. Self-employed individuals
Individuals working for themselves are not covered under Colorado unemployment insurance. Self-employed workers include sole proprietors, business owners, and those operating their own businesses.
2. Independent contractors
Workers classified as independent contractors rather than employees are not covered. Colorado applies a two-part test under C.R.S. § 8-70-115(1)(b) to determine employment status:
- Individual must be free from control and direction in performance of service
- Individual must be customarily engaged in an independent trade, occupation, profession, or business related to the service performed
Note: Workers who believe they have been misclassified as independent contractors may appeal the classification.
3. Certain students
Students employed by the educational institution where they are enrolled and regularly attending classes may be excluded from coverage under certain circumstances.
4. Federal civilian employees
Federal employees are covered under Unemployment Compensation for Federal Employees (UCFE) program, not state unemployment insurance.
UCFE information: https://www.dol.gov/agencies/eta/unemployment-insurance/ucfe
5. Military personnel
Military service members are covered under Unemployment Compensation for Ex-Servicemembers (UCX) program.
UCX information: https://www.dol.gov/agencies/eta/unemployment-insurance/ucx
6. Real estate agents and insurance agents
Real estate salespersons and insurance agents working solely on commission may be excluded if they meet statutory criteria under C.R.S. § 8-70-134 and § 8-70-138.
7. Certain agricultural workers
Agricultural labor may be excluded if it does not meet coverage requirements regarding wages paid and number of employees.
8. Domestic workers below threshold
Domestic service in private homes may be excluded if wages do not meet minimum threshold requirements.
Source: C.R.S. §§ 8-70-126 through 8-70-140.7 (excluded services)
Federal programs: 5 U.S.C. § 8501 (UCFE); 5 U.S.C. § 8521 (UCX)
How Unemployment Benefit Amounts Are Calculated in Colorado
Weekly Benefit Amount (WBA)
Calculation formula:
Colorado calculates the weekly benefit amount based on wages earned during the base period. The formula examines the two highest-earning quarters within the base period.
According to C.R.S. § 8-73-102, the weekly benefit amount equals 60% of the average weekly wage calculated from the two highest quarters of the base period, subject to minimum and maximum limits.
Specific calculation method:
- Identify the two highest-earning quarters in the base period
- Add the total wages from these two quarters
- Divide by 26 to determine average weekly wage
- Calculate 60% of average weekly wage
- Apply minimum and maximum limits
For 2026:
- Minimum WBA: $25 per week
- Maximum WBA: $844 per week
- Average WBA: Approximately $530 per week (based on 2025 state data)
Example calculation:
Base period wages (October 2024 – September 2025):
- Q4 2024 (Oct-Dec): $12,000
- Q1 2025 (Jan-Mar): $11,000
- Q2 2025 (Apr-Jun): $13,500 (highest quarter)
- Q3 2025 (Jul-Sep): $12,500 (second highest quarter)
Calculation:
- Two highest quarters: $13,500 + $12,500 = $26,000
- Average weekly wage: $26,000 ÷ 26 = $1,000
- Weekly benefit amount: $1,000 × 60% = $600
Result: Weekly benefit amount would be $600 (within min/max limits)
Partial unemployment:
Claimants working part-time may receive reduced benefits. Colorado allows earnings up to 50% of the weekly benefit amount before benefit reduction. Benefits are reduced dollar-for-dollar for earnings above 50% of WBA.
Example: If WBA is $600:
- Earnings up to $300: No reduction, receive full $600
- Earnings $400: Benefit reduced to $500 ($600 – [$400 – $300])
- Earnings $600 or more: No benefits payable
Claimants must work fewer than 32 hours and earn less than their weekly benefit amount to receive any benefits.
Source: C.R.S. § 8-73-102 (benefit calculation); C.R.S. § 8-73-102(4) (partial benefits)
Official calculator: https://uibestimator.coworkforce.com/ (estimate only, not determination)
Maximum Benefit Amount and Duration
Maximum benefit amount (MBA):
The maximum benefit amount represents the total benefits available during the benefit year. According to C.R.S. § 8-73-102, MBA is calculated as the lesser of:
- 26 times the weekly benefit amount, OR
- One-third of total base period wages
Standard benefit duration: 26 weeks
Maximum total benefits (2026): Approximately $21,944 (based on maximum WBA of $844 × 26 weeks)
Benefit year:
Benefits are payable for up to 26 weeks within a 52-week benefit year beginning the Sunday of the week the claim is filed. According to C.R.S. § 8-70-111(2)(a):
“‘Benefit year’ with respect to any individual means the fifty-two consecutive week period beginning with the first day of the first week with respect to which the individual first files a claim for benefits.”
Once the 26 weeks of benefits are exhausted or the benefit year ends, claimants must establish a new claim with additional qualifying wages.
Extended Benefits (EB) program:
Additional weeks of benefits may be available when Colorado’s unemployment rate triggers the federal-state Extended Benefits program. EB provides up to 13 additional weeks (50% of regular benefits, up to 13 weeks maximum).
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 2026
Colorado unemployment rate (November 2025): 3.9%
Status verification: https://cdle.colorado.gov/unemployment
Source: C.R.S. § 8-73-102 (duration); 20 C.F.R. § 615 (Extended Benefits)
EB status: CDLE website, verified January 31, 2026
Dependents Allowance
Colorado does not provide dependent allowances for unemployment benefits. The weekly benefit amount and maximum benefit amount are based solely on the claimant’s wage history, with no additional amounts for dependents.
Source: Colorado statutes reviewed; no dependent allowance provisions found in C.R.S. Title 8, Articles 70-82
Requalification After Benefits
According to C.R.S. § 8-73-107(2), an individual who has received compensation during the benefit year must requalify for a new benefit year:
“An individual who has received compensation during the individual’s benefit year is required to have worked for an employer as defined in section 8-70-113 since the beginning of such year and to have earned at least two thousand dollars as remuneration for such employment in order to qualify for compensation in the next benefit year.”
This means claimants must earn at least $2,000 in covered employment after their benefit year begins to qualify for a subsequent benefit year.
Source: C.R.S. § 8-73-107(2)
Unemployment Benefit Payment Schedule in Colorado
| Payment Process and Timeline | ||
|---|---|---|
| Phase | Timeframe | Details |
| Weekly Certification Window | Sunday–Saturday | File certification for previous week; available starting Sunday after the week ends |
| Certification Deadline | 7 days | Must certify within 7 days of week ending or the claim closes |
| Processing Time | 2–3 business days | Time for CDLE to process certification and verify eligibility |
| Payment Authorization | 1–2 business days after processing | Payment approved and sent to selected payment method |
| Direct Deposit | 1–2 business days | Funds available in bank account |
| Debit Card | 1–2 business days | Funds loaded to U.S. Bank ReliaCard |
| Total Timeline | 4–6 weeks from filing | Typical time from initial claim to first payment |
Waiting week impact:
Colorado requires a one-week waiting period. According to C.R.S. § 8-73-107(1)(d)(I):
“The individual has been either totally or partially unemployed for a waiting period of one week. No benefits are payable for the waiting period.”
This means the first week of unemployment is not compensable. The first payment received compensates for the second week of unemployment, after the waiting week.
Certification requirements:
Claimants must request payment (certify) weekly to receive benefits. According to CDLE guidance:
- Certification available starting Sunday following the week that ended
- Must certify within 7 days
- Failure to certify within 7 days results in claim closure
- Closed claims must be reopened before payments resume
Payment methods available:
- Direct deposit – Funds deposited directly to bank account (fastest method)
- U.S. Bank ReliaCard – Prepaid debit card issued by U.S. Bank (default method if no direct deposit set up)
Source: C.R.S. § 8-73-107(1)(d) (waiting week); CDLE payment information at https://cdle.colorado.gov/unemployment
Payment schedule page: https://cdle.colorado.gov/myui-plus
How to File an Unemployment Claim in Colorado
When to File
File unemployment claims as soon as possible after job loss or reduction in hours. Claims are effective the Sunday of the week filed. Delays in filing may result in loss of benefits, as benefits are not retroactive to the date of job loss.
Online Filing (Primary Method)
Filing portal: MyUI+
URL: https://myui.coworkforce.com/
Availability: 24/7
Step-by-step filing process:
1. Create account or log in
New users must register on MyUI+ with email address and create password. Returning users who filed claims since 2015 must use the email address previously provided to CDLE.
2. Identity verification
All claimants must verify identity with ID.me. The process involves:
- Providing personal information
- Uploading identification documents
- Completing identity verification questions
- Video selfie verification (may be required)
3. Enter personal information
Provide:
- Name, date of birth
- Social Security number
- Address and contact information
- Citizenship or work authorization status
4. Provide employment history
List all employers during past 18 months with:
- Employer name, address, and phone number
- Dates of employment
- Reason for separation
- Last day worked
- Rate of pay
5. Answer eligibility questions
Questions cover:
- Availability for work
- Ability to work
- Work search activities
- Reasons for job separation
- Any disqualifying factors
6. Choose payment method
Select:
- Direct deposit (provide bank routing and account number), OR
- U.S. Bank ReliaCard (debit card mailed to address on file)
7. Submit claim
Review all information for accuracy and submit application.
Required information:
- Social Security number
- Driver’s license or state ID number
- Complete employment history (last 18 months)
- Bank account information for direct deposit (optional)
- Alien registration number (if not U.S. citizen)
Processing:
Claims are typically processed within 4-6 weeks. This timeframe includes:
- Initial claim submission
- Employer notification and response period
- Monetary determination
- Non-monetary determination (if issues present)
- First payment (if approved)
Claimants receive monetary and non-monetary determinations by mail and through MyUI+ account.
Source: CDLE filing instructions at https://cdle.colorado.gov/unemployment/file-a-claim
Official guide: https://cdle.colorado.gov/sites/cdle/files/UI_Claimant_Guide.pdf
Phone Filing
Colorado requires all initial unemployment claims to be filed online through MyUI+. Phone service is available only for questions, assistance with technical issues, and requesting weekly payments.
Customer service phone: 303-318-9000 or toll-free 1-800-388-5515
Hours: Monday-Friday, 8:00 AM to 4:00 PM Mountain Time
Automated phone system (for weekly payment requests): 303-813-2800 or toll-free 1-888-550-2800
Source: CDLE contact information
Verified: January 31, 2026
Mobile App
CDLE does not currently offer a dedicated mobile app for filing claims. All claims must be filed through the MyUI+ website, which is mobile-responsive and accessible via smartphone or tablet browsers.
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
- Contact information (phone, email, mailing address)
- Alien registration number (if applicable)
Employment documentation:
- Last employer information (name, address, phone, dates of employment)
- Reason for separation (layoff, discharge, quit, etc.)
- Separation notice (if available): layoff letter, termination notice, furlough notice
- All employers in last 18 months
- Pay stubs or W-2 forms (helpful but not required at filing)
Banking information (for direct deposit):
- Bank routing number (9 digits)
- Account number
- Account type (checking or savings)
Additional documentation (if applicable):
- Work authorization documents (non-citizens)
- DD Form 214 (military service members)
- SF-8 or SF-50 (federal civilian employees)
- Union membership information (if union member)
Most documents can be uploaded through MyUI+ portal after filing initial claim if CDLE requests additional verification.
Source: CDLE filing checklist at https://cdle.colorado.gov/unemployment/file-a-claim
Document requirements: https://cdle.colorado.gov/unemployment
Weekly Certification and Ongoing Eligibility Requirements
Certification Process
Certification frequency: Weekly
Filing window: Available starting Sunday after the week ends (weeks run Sunday through Saturday)
Deadline: Must certify within 7 days of week ending. Failure to certify within 7 days results in claim closure.
Methods:
- Online: MyUI+ at https://myui.coworkforce.com/ (primary method)
- Automated phone: 303-813-2800 or toll-free 1-888-550-2800
Each certification requires answering questions about the previous week:
- Were you able and available to work all days of the week?
- Did you look for work?
- How many work search activities did you complete?
- Did you refuse any job offers?
- Did you work or earn any money? (If yes, report hours and gross earnings)
- Were you attending school or training?
- Were you offered any work?
Late filing:
Certifications not filed within 7 days result in claim closure. Claimants must reopen claims before benefits can resume. Reopening may require contacting CDLE directly.
Source: C.R.S. § 8-73-107 (continuing claim requirements); CDLE certification instructions at https://cdle.colorado.gov/myui-plus
Work Search Requirements
Required work search activities:
Colorado requires claimants to actively search for work and complete work search activities each week. According to CDLE guidance, claimants may complete at least 5 work search activities per week, though no specific minimum is mandated by statute.
Qualifying activities:
- Submitting job application to potential employer
- Attending job interview
- Attending job fair or hiring event
- Attending career center workshop or reemployment service
- Taking employment-related exam
- Contacting employer to inquire about job openings
- Creating or updating resume (limited use)
- Adding resume to online job board
- Participating in networking events related to job or occupation
- Creating user profile on professional networking website
- Participating in job-related education or skills development program
Documentation required:
For each work search activity, maintain records including:
- Date of activity
- Employer name and address (if applicable)
- Contact person name
- Method of contact (online, phone, in-person)
- Type of activity performed
- Position applied for or discussed
- Result or outcome
Record retention:
Keep work search documentation for at least 2 years from claim start date. CDLE may audit work search activities at any time during this period.
Audit process:
Colorado Department of Labor and Employment conducts random audits of work search activities. Claimants selected for audit must provide documentation upon request. Failure to document work search adequately may result in:
- Benefit denial for affected weeks
- Requirement to repay benefits received
- Potential fraud investigation if misrepresentation suspected
Work search exemptions:
The following claimants may be exempt from work search requirements:
1. Temporary layoff with recall date
Workers on temporary layoff expecting recall within 16 weeks may be job-attached and exempt from work search. Must maintain regular contact with employer regarding recall date.
2. Union hiring hall dispatch
Union members dispatched to jobs through union hiring hall may be union-attached and exempt from work search if recall expected within 16 weeks.
3. Approved training program
Claimants enrolled in approved training programs may have modified or waived work search requirements. Training must be approved by CDLE.
4. Claimants directed to RESEA program
Some claimants selected for Reemployment Services and Eligibility Assessment (RESEA) program may have modified requirements while participating.
Each exemption requires verification and approval by CDLE. Exemptions are not automatic and must be documented in claim file.
Source: CDLE work search guidance at https://cdle.colorado.gov/eligibility-and-work-search-requirements
Work search activities list: https://cdle.colorado.gov/sites/cdle/files/work_search_activity_0.pdf
What Happens After Filing a Claim
Claim Processing Steps
1. Initial claim received
Colorado Department of Labor and Employment receives application through MyUI+ system.
2. Employer notification
CDLE notifies all base period employers of claim filing. Employers have 10 days to respond with:
- Confirmation of employment dates
- Reason for separation
- Last day worked
- Wage information
3. Monetary determination issued
Document showing:
- Base period wages by quarter and employer
- Weekly benefit amount (WBA)
- Maximum benefit amount (MBA)
- Benefit year beginning and ending dates
Issued within 7-10 days of claim filing if no issues present.
4. Non-monetary determination (if needed)
If eligibility questions exist, CDLE conducts investigation including:
- Fact-finding interview with claimant
- Employer response review
- Evidence evaluation
- Determination issued with appeal rights
Timeline varies based on complexity but typically 2-4 weeks.
5. First payment
If approved with no issues, payment issued after:
- Completion of waiting week
- Submission of weekly certification
- Verification of eligibility
Monetary determination contents:
The monetary determination provides:
- Total base period wages
- Wages by quarter and by employer
- Weekly benefit amount calculated
- Maximum benefit amount available
- Benefit year start and end dates
- Appeal rights and deadline
Non-monetary determination circumstances:
Issued when eligibility questions exist regarding:
- Reason for job separation (quit, discharge, layoff)
- Availability for work
- Ability to work
- Refusal of work offer
- Work search compliance
- Other disqualifying issues
Investigation process:
When non-monetary issues arise:
- Fact-finding notice issued – Claimant receives notice of issue and scheduled interview
- Fact-finding interview conducted – Phone or in-person interview to gather information
- Employer contacted – CDLE requests employer information and statement
- Evidence submitted – Both parties may submit supporting documentation
- Determination issued – CDLE reviews all information and issues written decision
- Appeal rights provided – Determination includes instructions for appealing decision
Typical timeline:
- Monetary determination: 7-10 days after filing
- Non-monetary determination: 2-6 weeks (varies by complexity)
- First payment: 4-6 weeks if no issues or appeals
Source: CDLE claims processing information at https://cdle.colorado.gov/unemployment
Processing timeline: https://cdle.colorado.gov/unemployment/faqs
Reasons an Unemployment Claim May Be Denied
Monetary Denial
Claims denied for insufficient wages occur when:
- Total base period wages below $2,500
- Insufficient wages to establish weekly benefit amount
- Wages earned outside Colorado in non-covered employment
- Base period wages not in covered employment
Claimants receiving monetary denial may:
- Use alternative base period if available
- Reapply after earning additional wages
- File interstate claim if wages earned in other states
Non-Monetary Denial (Disqualifications)
1. Voluntary quit without good cause
Leaving employment voluntarily without work-related reason qualifying as “good cause” results in disqualification until claimant:
- Returns to covered employment, AND
- Earns at least ten times weekly benefit amount
2. Discharge for misconduct
Termination due to misconduct, including willful violations of employer rules or deliberate acts harmful to employer, results in disqualification until claimant:
- Returns to covered employment, AND
- Earns at least ten times weekly benefit amount
3. Refusal of suitable work
Declining suitable job offer without good cause results in disqualification until claimant:
- Returns to covered employment, AND
- Earns at least ten times weekly benefit amount
4. Failure to meet availability requirements
Not able or available for work results in disqualification for weeks claimant fails to meet requirements.
5. Work search non-compliance
Failure to conduct adequate work search activities results in benefit denial for weeks of non-compliance. May result in overpayment if benefits already paid.
6. Attendance failure
Under Colorado regulations effective 2021, failure to appear for scheduled job interview, failure to show for scheduled exam, or failure to report for first day of new work without reasonable justification results in disqualification.
Administrative Denial
Claims may be denied for administrative reasons:
- Incomplete application information
- Failure to provide required documentation
- Missed fact-finding interview without good cause
- Identity verification failure
- Non-response to CDLE requests for information
- Failure to register at workforce center when required
Administrative denials may be resolved by:
- Providing missing information
- Rescheduling missed appointments
- Completing identity verification
- Responding to agency requests
Source: C.R.S. § 8-73-108 (disqualification provisions); CDLE determination guidance
Denial appeal information: https://cdle.colorado.gov/unemployment/appeals
How to Appeal an Unemployment Decision in Colorado
Appeal Deadlines
Filing deadline: 20 calendar days from date determination was mailed
According to C.R.S. § 8-74-106, appeals must be filed within 20 calendar days from the mailing date shown on the determination notice.
Critical timing rule: The 20-day period begins the day after the mailing date printed on the determination, not the date received.
Calculation example: If determination mailed January 15, 2026:
- Count begins January 16, 2026
- 20th day is February 4, 2026
- Appeal must be received by February 4, 2026
Weekend/holiday rule: If the 20th calendar day falls on Saturday, Sunday, or legal holiday, the deadline extends to the next business day.
Postmark rule: Appeals mailed must be postmarked on or before the deadline. Colorado accepts timely postmarked appeals even if received after deadline.
Late appeals: CDLE may accept late appeals for good cause. Claimant must:
- Explain reason for late filing
- Provide supporting documentation
- Demonstrate circumstances beyond control prevented timely filing
Good cause examples include serious illness, hospitalization, death in immediate family, or failure to receive determination notice.
Source: C.R.S. § 8-74-106 (appeal deadlines)
Appeal Filing Process
How to file appeal:
Online (claimants): MyUI+ at https://myui.coworkforce.com/ – fastest method
Online (employers): MyUI Employer+ – available for employers
Mail: Unemployment Appeals Section
P.O. Box 8988
Denver, CO 80201-8988
Fax: 303-318-9248
In-person: Not accepted
Required information for appeal:
- Claimant name and Social Security number
- Employer name (if applicable)
- Determination being appealed (include document number/docket number)
- Date of determination
- Reason for disagreement (brief statement)
- Signature and date
- Updated contact information
Appeal form: Form included on back of determination notice, or submit written statement with required information
Confirmation:
For online appeals through MyUI+, claimants receive immediate confirmation. For mailed or faxed appeals, CDLE does not send confirmation of receipt. Claimants typically receive hearing notice as first correspondence.
Source: CDLE appeals process page at https://cdle.colorado.gov/unemployment/appeals/submit-an-appeal
Official appeal form: Included with determination notice
Hearing Process
Hearing notification:
Notice of hearing mailed at least 10 days before scheduled hearing date. Notice includes:
- Date and time of hearing
- Hearing method (telephone)
- Parties involved in appeal
- Issues to be decided
- Instructions for submitting evidence
- Check-in requirements
Hearing format:
Type: Telephone hearing (all Colorado UI hearings conducted by phone)
Officer: Hearing Officer employed by Colorado Department of Labor and Employment
Duration: Typically 30-60 minutes, varies by complexity
Recording: All hearings audio recorded for appeal purposes
Check-in requirement: Parties must check in by phone no later than 2:00 PM Mountain Time the calendar day before scheduled hearing. Failure to check in may result in dismissal or decision without testimony.
Evidence submission:
Deadline: Before hearing date, typically at least 2 business days prior
Method:
- Upload through MyUI+ account
- Email to address provided in hearing notice
- Fax to number provided in hearing notice
- Mail to address on hearing notice
Requirement: Provide copies to all parties listed on hearing notice
Accepted formats: Documents, photographs, records, written statements, pay stubs, correspondence
Hearing procedures:
- Hearing officer introduces parties and explains process
- Hearing officer identifies issues to be decided
- Parties sworn under oath
- Appellant (party filing appeal) presents testimony first
- Respondent presents testimony
- Hearing officer asks clarifying questions
- Each party may question opposing party’s testimony
- Witnesses may be called by either party
- Evidence reviewed and discussed
- Closing statements allowed
- Hearing officer explains next steps
- Hearing concluded
Witness participation:
Parties may have witnesses testify. Witnesses must:
- Be available at scheduled hearing time
- Have personal knowledge of relevant facts
- Be sworn under oath before testifying
- Be available for questioning by hearing officer and opposing party
Legal representation:
Parties may have attorney or representative present at hearing. Representatives may:
- Present testimony and arguments
- Question witnesses
- Submit evidence
Representation is not required. Many claimants represent themselves successfully.
Decision:
Written decision issued within 30-45 days after hearing. Decision mailed to all parties and includes:
- Findings of fact based on evidence presented
- Conclusions of law applying statutes and regulations
- Decision (affirm, modify, or reverse determination)
- Reasoning and analysis
- Appeal rights to next level (Industrial Claim Appeals Office)
Source: C.R.S. § 8-74-103 (hearing procedures); CDLE hearing information at https://cdle.colorado.gov/unemployment/appeals
Hearing preparation guide: https://cdle.colorado.gov/unemployment/appeals/appeals-faqs
Further Appeals
Second-level appeal (Industrial Claim Appeals Office):
Appeals of hearing officer decisions may be filed with Industrial Claim Appeals Office (ICAO).
Deadline: 20 calendar days from date hearing decision was mailed
Method: Written statement filed with ICAO including:
- Copy of hearing officer decision
- Docket number
- Statement of grounds for appeal
- Supporting arguments
Address:
Industrial Claim Appeals Office
1515 Arapahoe Street, Tower 3, Suite 350
Denver, CO 80202-2117
Phone: 303-318-8133
Fax: 303-318-8139
Review type: ICAO conducts record review based on hearing transcript and evidence. Typically no new hearing conducted unless ordered by panel.
Briefing: Both parties receive opportunity to file written briefs supporting their positions. Briefs filed according to schedule set by ICAO.
Decision timeline: Decisions typically issued within 45 days of receiving appeal, though complex cases may take longer.
ICAO decision options:
- Affirm hearing officer decision
- Modify hearing officer decision
- Reverse hearing officer decision
- Remand case back to hearing officer for additional proceedings
Judicial appeal:
Final ICAO decisions may be appealed to Colorado Court of Appeals.
Deadline: 20 days from date ICAO decision issued
Jurisdiction: Colorado Court of Appeals
Procedure: Petition for review filed with Court of Appeals
Representation: Legal counsel may be retained for court appeals
Standard of review: Court reviews whether ICAO decision supported by substantial evidence and correctly applied law
Source: C.R.S. § 8-74-104 (ICAO review); C.R.S. § 8-74-107 (judicial review)
ICAO information: https://cdle.colorado.gov/unemployment/appeals/panel-decision
Unemployment Fraud, Penalties, and Overpayments
Fraud Definition and Examples
Fraud defined:
According to C.R.S. § 8-81-101(4)(a)(II), fraud occurs when a person receives an overpayment “because of the person’s false representation or willful failure to disclose a material fact.”
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 claim
- Not reporting job offer acceptances or refusals
- Filing claims in multiple states simultaneously for same period
- Continuing to claim benefits after returning to work
- Falsifying work search activities
- Providing false information during fact-finding investigation
Penalties for Fraud
Administrative penalties:
Claimants found to have committed fraud face mandatory penalties under C.R.S. § 8-81-101(4)(a)(II):
Repayment: 100% of benefits fraudulently obtained must be repaid
Monetary penalty: 65% of overpayment amount added as penalty
Benefit disqualification: Claimant may be denied future benefits for four-week period for each one-week period in which benefits were fraudulently obtained
Example: If claimant fraudulently received $400 weekly benefit for 10 weeks:
- Overpayment: $4,000
- Penalty (65%): $2,600
- Total owed: $6,600
- Potential disqualification: 40 weeks (4 weeks × 10 fraudulent weeks)
Criminal penalties:
Unemployment fraud may be prosecuted as theft under Colorado criminal law, C.R.S. § 18-4-401.
Misdemeanor charges:
- Theft under $300: Class 2 misdemeanor
- Penalties: Up to 364 days in jail and fines up to $1,000
Felony charges:
- Theft $300-$1,000: Class 1 misdemeanor
- Theft $1,000-$2,000: Class 6 felony
- Theft $2,000-$5,000: Class 5 felony
- Theft $5,000-$20,000: Class 4 felony
- Theft $20,000-$100,000: Class 3 felony
Felony penalties range from:
- Fines: Up to $100,000 or more
- Imprisonment: 1 year to 12 years depending on classification
- Restitution: Full repayment of fraudulent benefits
- Probation: Supervised probation in addition to or instead of imprisonment
Source: C.R.S. § 8-81-101 (administrative penalties); C.R.S. § 18-4-401 (criminal theft)
Report fraud: 303-318-9100 or https://cdle.colorado.gov/fraud
Non-Fraud Overpayments
Overpayment without fraud:
Overpayments may occur without fraudulent intent due to:
- Agency error in processing claim
- Delayed employer information changing eligibility
- Determination reversed on appeal
- Claimant honest mistake in reporting
- Employer error in reporting wages or separation reason
- Conflicting, changing, or confusing information from CDLE
- First-time claimant confusion about requirements
Repayment obligation:
According to C.R.S. § 8-81-101(4)(a)(I), non-fraud overpayments must be repaid unless CDLE determines repayment inequitable.
Non-fraud overpayments do not include:
- 65% monetary penalty (fraud only)
- Benefit disqualification (fraud only)
- Criminal prosecution (fraud only)
Waiver criteria:
CDLE may waive non-fraud overpayments if claimant demonstrates:
- Repayment would be inequitable, meaning:
- Claimant receiving public assistance (TANF, SSI, SNAP, Medicaid)
- Overpayment not due to claimant’s fault
- Claimant provided all requested information correctly
- CDLE failed to act appropriately on provided information
- Division provided conflicting or confusing information
- Claimant unable to reach CDLE despite best efforts
- Circumstances under C.R.S. § 8-81-101(4)(a)(II) showing:
- Claimant provided all information correctly
- Division failed to take appropriate action with information
- Division provided incorrect, conflicting, or confusing information
- Claimant experienced barriers (first-time claimant, language barriers, education barriers)
- Employer provided incorrect or untimely information
Waiver application: Request overpayment waiver through MyUI+ account or by contacting CDLE
Repayment options:
- Lump sum payment (one-time full repayment)
- Payment plan (monthly installments, typically 12-24 months)
- Offset from future benefit payments (if claimant eligible for benefits in future)
- Federal/state tax refund intercept (Treasury Offset Program)
- Voluntary payment arrangements
Collection methods:
If overpayment not repaid voluntarily, CDLE may use:
- Withholding from future unemployment benefits
- Intercept of federal and state tax refunds
- Civil legal action
- Referral to collection agencies
- Reporting to credit bureaus
Source: C.R.S. § 8-81-101(4)(a) (overpayment recovery)
Repayment information: https://cdle.colorado.gov/unemployment
Identity Theft and Fraudulent Claims
If you are a victim:
If someone files fraudulent unemployment claim using your identity:
- Report immediately to CDLE:
- Fraud hotline: 303-318-9100
- Online: https://cdle.colorado.gov/fraud
- Explain you did not file claim
- File identity theft report:
- Federal Trade Commission: https://identitytheft.gov
- Local law enforcement
- Monitor credit reports:
- Request free credit reports
- Place fraud alert or credit freeze
- Monitor for unauthorized activity
- Report fraudulent 1099-G:
- If you receive 1099-G for benefits not received
- Contact CDLE immediately for corrected form
- Do not include fraudulent benefits in tax return
Source: CDLE identity theft guidance; Federal Trade Commission
Taxation of Unemployment Benefits in Colorado
Federal Tax Treatment
Federal taxation:
Unemployment benefits are taxable income under federal law (26 U.S.C. § 85). The Internal Revenue Service treats unemployment compensation as ordinary income subject to federal income tax.
Claimants receive Form 1099-G by January 31 each year showing:
- Box 1: Total unemployment compensation paid during tax year
- Box 4: Federal income tax withheld (if any)
- Box 10A: State identification number
- Box 11: State income tax withheld (if any)
Withholding option:
Claimants may request federal income tax withholding from unemployment benefits. Colorado withholds federal tax at 10% of benefit amount when requested.
To request withholding:
- Select withholding option during initial claim filing in MyUI+
- Modify withholding preference anytime through MyUI+ account
- Complete IRS Form W-4V (optional but not required)
Estimated tax payments:
Claimants who do not elect withholding may need to make quarterly estimated tax payments to avoid underpayment penalties. Consult IRS guidelines or tax professional.
Source: IRS Publication 525; 26 U.S.C. § 85
IRS unemployment information: https://www.irs.gov/individuals/employees/unemployment-compensation
State Tax Treatment
Colorado taxation:
Unemployment benefits are taxable for Colorado state income tax purposes. Colorado follows federal treatment, taxing unemployment benefits as ordinary income.
State withholding:
Claimants may request Colorado income tax withholding from unemployment benefits. Colorado offers variable withholding rates based on claimant selection.
Withholding rates available:
- Percentage of benefit amount
- Flat dollar amount per payment
To request state withholding:
- Select option during initial claim filing
- Modify through MyUI+ account settings
- Specify withholding amount or percentage
Form 1099-G reporting:
Form 1099-G Box 11 shows Colorado state tax withheld during the year (if any). Use this amount when filing Colorado income tax return.
Colorado income tax return:
Report unemployment benefits on Colorado Individual Income Tax Return (Form 104) as part of federal adjusted gross income. Colorado taxes unemployment compensation at standard state income tax rates.
Source: Colorado Department of Revenue; Colorado follows federal taxable income definition
Colorado Revenue Department: https://tax.colorado.gov/
Form 1099-G
Form 1099-G distribution:
Colorado Department of Labor and Employment issues Form 1099-G by January 31 each year for benefits paid during previous calendar year.
Access methods:
- Online: Available through MyUI+ account
- Log in to https://myui.coworkforce.com/
- Navigate to “Tax Information” or “1099-G”
- Download and print PDF
- Mail: Mailed to address on file with CDLE
- Verify address current in MyUI+ account
- Forms mailed late January
- Phone: Request duplicate by phone
- Call 303-318-9000 or 1-800-388-5515
- Provide identification verification
Incorrect 1099-G:
If Form 1099-G shows incorrect amounts or reports benefits not received:
For legitimate errors:
- Contact CDLE: 303-318-9000 or 1-800-388-5515
- Request corrected Form 1099-G
- Allow 2-3 weeks for corrected form
For fraudulent claims:
- Report fraud immediately: 303-318-9100
- Online fraud report: https://cdle.colorado.gov/fraud
- Request corrected form after fraud investigation
- Do not include fraudulent benefits in tax return
Tax filing guidance:
- Do not file taxes until receiving correct Form 1099-G
- Request extension if corrected form delays filing
- Consult tax professional if questions arise
Source: CDLE 1099-G information
Official guidance: https://cdle.colorado.gov/unemployment
Special Unemployment Programs in Colorado
Extended Benefits (EB)
Program status (2026): Inactive
Extended Benefits provide additional weeks of unemployment compensation when Colorado’s unemployment rate meets federal trigger criteria under 20 C.F.R. § 615.
Trigger requirements:
EB activates when either:
- IUR trigger: Insured Unemployment Rate (IUR) exceeds 5% AND is at least 120% of average for same period in prior two years, OR
- TUR trigger: Total Unemployment Rate (TUR) exceeds 6.5% AND is at least 110% of average for same period in prior two years
Additional weeks available: Up to 13 weeks (50% of regular benefit duration)
Current status verification:
Colorado unemployment rate (November 2025): 3.9%
EB status: Not triggered
Last checked: January 31, 2026
When EB activates, CDLE automatically extends benefits for eligible claimants who:
- Exhausted regular unemployment benefits
- Continue to meet ongoing eligibility requirements
- File weekly certifications
- Conduct active work search
Source: 20 C.F.R. § 615 (Extended Benefits); C.R.S. § 8-73-105
Current EB status: https://cdle.colorado.gov/unemployment
Federal EB information: https://oui.doleta.gov/unemploy/eb.asp
Shared Work Program
Program status: Not currently available in Colorado
Colorado does not currently operate a Shared Work (also called Short-Time Compensation) program. Some states offer Shared Work programs allowing employers to reduce employee hours instead of layoffs, with affected employees receiving partial unemployment benefits.
Source: U.S. Department of Labor state program directory
Verified: January 31, 2026
Trade Adjustment Assistance (TAA)
TAA program: Active (federal program administered through state)
Workers who lose jobs due to foreign trade impact may qualify for Trade Adjustment Assistance benefits including:
- Extended unemployment benefits beyond regular 26 weeks
- Job training funding for new skills or retraining
- Job search allowances for seeking work outside commuting area
- Relocation allowances for accepting work in different geographic area
- Health Coverage Tax Credit (HCTC) for health insurance premiums
- Alternative Trade Adjustment Assistance (ATAA) for older workers
Eligibility requirements:
- Employer must be certified by U.S. Department of Labor as trade-affected
- Worker must be laid off or hours reduced due to trade impact
- Worker must apply for TAA benefits
- Worker must participate in approved training (for most benefits)
Colorado TAA coordinator:
Contact through Colorado Department of Labor and Employment:
- Website: https://cdle.colorado.gov/
- Phone: 303-318-9000
- Local workforce centers provide TAA assistance
Application process:
- Employer or group of workers petitions U.S. Department of Labor for trade certification
- USDOL investigates and determines trade impact
- If certified, affected workers notified of TAA eligibility
- Workers apply for benefits through state workforce system
- Training and benefits coordinated through local workforce centers
Source: Trade Act of 1974, 19 U.S.C. § 2271 et seq.
USDOL TAA information: https://www.dol.gov/agencies/eta/tradeact
Petitions and certifications: https://www.dol.gov/agencies/eta/tradeact/petitions
Disaster Unemployment Assistance (DUA)
DUA availability: Available during federally declared major disasters
Disaster Unemployment Assistance provides 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 Colorado
Eligibility:
- Lost employment as direct result of major disaster
- Not eligible for regular unemployment insurance
- Unable to reach workplace due to disaster
- Workplace destroyed or severely damaged by disaster
- Scheduled to start work but unable due to disaster
- Self-employed worker whose business damaged or destroyed
Application:
When major disaster declared in Colorado:
- Apply through Colorado Department of Labor and Employment
- Application period announced after disaster declaration
- Typically 30 days to apply after disaster declaration
- May require documentation of disaster impact
Duration: Up to 26 weeks from disaster declaration date
Benefit amount: Based on state unemployment insurance benefit calculation or applicable minimums
Source: Robert T. Stafford Disaster Relief and Emergency Assistance Act, 42 U.S.C. § 5177
FEMA DUA information: https://www.fema.gov/assistance/individual/program
Pandemic Unemployment Assistance (PUA)
Program status: Expired
Pandemic Unemployment Assistance was temporary federal program created under CARES Act providing benefits to workers not traditionally covered by unemployment insurance, including:
- Self-employed individuals
- Independent contractors
- Gig workers
- Workers with insufficient work history
Program period: March 27, 2020 through September 4, 2021
PUA is no longer available. Self-employed workers and independent contractors are not eligible for regular Colorado unemployment benefits unless they elected optional coverage.
Source: CARES Act (expired); 15 U.S.C. § 9021
Verified: January 31, 2026
Unemployment Compensation for Federal Employees (UCFE)
UCFE program: Active (federal program administered through state)
Federal civilian employees separated from employment may receive unemployment benefits through UCFE program.
Administering agency: Colorado Department of Labor and Employment processes UCFE claims
Eligibility: Federal civilian employees with covered employment
Filing: File through Colorado MyUI+ system, indicating federal employment
Benefit calculation: Based on federal wages using Colorado benefit calculation formula
Funding: U.S. Department of Labor reimburses Colorado for UCFE benefits paid
Source: 5 U.S.C. § 8501 et seq.
USDOL UCFE information: https://www.dol.gov/agencies/eta/unemployment-insurance/ucfe
Unemployment Compensation for Ex-Servicemembers (UCX)
UCX program: Active (federal program administered through state)
Military service members separated from active duty may receive unemployment benefits through UCX program.
Administering agency: Colorado Department of Labor and Employment processes UCX claims
Eligibility: Former military service members with qualifying active duty service
Documentation required: DD Form 214 (Certificate of Release or Discharge from Active Duty)
Filing: File through Colorado MyUI+ system, indicating military service
Benefit calculation: Based on military pay using Colorado benefit calculation formula
Funding: U.S. Department of Labor reimburses Colorado for UCX benefits paid
Source: 5 U.S.C. § 8521 et seq.
USDOL UCX information: https://www.dol.gov/agencies/eta/unemployment-insurance/ucx
Context: Colorado Compared to National Benchmarks
Colorado benefit levels in national context (2026):
- Maximum WBA: $844 (above national average, approximately 20th of 50 states)
- Duration: 26 weeks (standard national norm)
- Waiting week: Required (approximately 12 states require waiting weeks)
- Minimum earnings: $2,500 base period wages (lower than many states)
- Unique features: No dependent allowances; 60% wage replacement rate; alternative base period available
National range:
- Highest maximum WBA: Massachusetts ($1,015)
- Lowest maximum WBA: Mississippi ($235)
- Most common duration: 26 weeks
- Range of durations: 12-30 weeks depending on state
For comprehensive state-by-state comparisons:
U.S. Department of Labor Comparison: https://oui.doleta.gov/unemploy/comparison/
Interactive comparison tools: https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx
Source: U.S. Department of Labor, Comparison of State UI Laws 2026
Resources
Colorado unemployment resources:
Colorado Department of Labor and Employment, Division of Unemployment Insurance
Website: https://cdle.colorado.gov/unemployment
Phone: 303-318-9000
Toll-free: 1-800-388-5515
Automated system: 303-813-2800 or 1-888-550-2800
Online claims portal (MyUI+)
Website: https://myui.coworkforce.com/
Available: 24/7
Appeals office
Phone: 303-318-9299
Toll-free: 1-800-405-2338
Fax: 303-318-9248
Website: https://cdle.colorado.gov/unemployment/appeals
Fraud reporting hotline
Phone: 303-318-9100
Website: https://cdle.colorado.gov/fraud
Employer services
Phone: 303-318-9100
Website: https://cdle.colorado.gov/employers
Industrial Claim Appeals Office (ICAO)
Phone: 303-318-8133
Fax: 303-318-8139
Website: https://cdle.colorado.gov/unemployment/appeals/panel-decision
Connecting Colorado (job search)
Website: https://connectingcolorado.com/
Workforce centers
Locator: https://cdle.colorado.gov/workforce-centers
Federal resources:
U.S. Department of Labor, Employment and Training Administration
Purpose: Federal unemployment insurance oversight
Website: https://www.dol.gov/agencies/eta/unemployment-insurance
CareerOneStop
Purpose: Job search resources and career planning
Website: https://www.careeronestop.org/
Phone: 1-877-348-0502
Internal Revenue Service
Purpose: Tax information on unemployment benefits
Website: https://www.irs.gov/individuals/employees/unemployment-compensation
Phone: 1-800-829-1040
Federal Trade Commission (Identity Theft)
Purpose: Identity theft reporting and assistance
Website: https://identitytheft.gov
Phone: 1-877-438-4338
Source: Official government websites
Frequently Asked Questions: Colorado Unemployment Benefits 2026
What are unemployment benefits in Colorado?
Unemployment benefits in Colorado provide temporary income replacement for workers who become unemployed through no fault of their own. The program is administered by the Colorado Department of Labor and Employment and funded through employer taxes. Benefits typically replace approximately 55-60% of previous wages up to maximum of $844 per week for up to 26 weeks.
How much can I receive in unemployment benefits in Colorado?
Colorado unemployment benefits range from minimum $25 to maximum $844 per week for 2026. The weekly benefit amount equals 60% of average weekly wage calculated from the two highest-earning quarters in the base period. Maximum total benefits equal the lesser of 26 times weekly benefit amount or one-third of total base period wages.
How long does it take to get unemployment benefits in Colorado?
Processing typically takes 4-6 weeks from filing initial claim to receiving first payment. This includes time for claim processing, employer notification, monetary determination, investigation of any eligibility issues, completion of waiting week, and first payment authorization. Claims with no issues may process faster, while claims requiring fact-finding investigations take longer.
Can I work part-time and still receive unemployment in Colorado?
Yes, claimants working part-time may receive partial unemployment benefits if working fewer than 32 hours per week and earning less than weekly benefit amount. Colorado allows earnings up to 50% of weekly benefit amount with no reduction. Earnings above 50% reduce benefits dollar-for-dollar. All hours worked and gross earnings must be reported when certifying weekly.
What disqualifies you from unemployment in Colorado?
Common disqualifications include voluntary quit without good cause attributable to work, discharge for misconduct, refusal of suitable work without good cause, failure to be able and available for work, and inadequate work search. Disqualifications typically require requalifying by earning ten times weekly benefit amount in subsequent covered employment. Fraud results in repayment, penalties, and potential criminal prosecution.
How do I file for unemployment in Colorado?
File unemployment claims online through MyUI+ portal at https://myui.coworkforce.com/. Create account or log in, complete identity verification with ID.me, provide personal information and employment history, answer eligibility questions, and submit claim. Filing available 24/7. Phone filing not available for initial claims; phone service available only for assistance and weekly certifications.
Are unemployment benefits taxable in Colorado?
Yes, unemployment benefits are taxable for both federal and Colorado state income tax purposes. CDLE issues Form 1099-G by January 31 showing total benefits paid and any taxes withheld. Claimants may request federal tax withholding at 10% and Colorado state tax withholding at selected rates. Consult tax professional or IRS/Colorado Revenue Department guidance for tax filing requirements.
How do I appeal an unemployment denial in Colorado?
File appeal within 20 calendar days from date determination was mailed. Appeal online through MyUI+ (fastest method), by mail to Unemployment Appeals Section P.O. Box 8988 Denver CO 80201-8988, or by fax to 303-318-9248. Include claimant name, Social Security number, determination being appealed, and reason for disagreement. Hearing scheduled by phone with hearing officer. Written decision issued within 30-45 days with further appeal rights to Industrial Claim Appeals Office.
How often do I need to file for unemployment in Colorado?
Claimants must certify weekly to receive benefits. Certification window opens Sunday after week ends (weeks run Sunday through Saturday). Must certify within 7 days or claim closes. Certify online through MyUI+ or by automated phone system at 303-813-2800 or 1-888-550-2800. Answer questions about availability, work search, earnings, and job offers for the previous week.
What is the waiting week in Colorado unemployment?
Colorado requires one-week waiting period before benefits become payable. The first week of unemployment is not compensated. Benefits begin with the second week of unemployment. For example, if laid off Monday January 6, first week ends Saturday January 11 (waiting week, no payment), second week ends Saturday January 18 (first payable week if certified and approved).
Can I receive unemployment if I quit my job in Colorado?
Generally no, unless quit for good cause attributable to work. Good cause includes following spouse to new location due to employer-mandated relocation, domestic violence circumstances, documented medical reasons, workplace health/safety violations, or substantial changes in working conditions. Voluntary quit without good cause results in disqualification until requalifying by earning ten times weekly benefit amount in new covered employment.
Do I need to look for work while receiving unemployment in Colorado?
Yes, claimants must actively search for work and complete work search activities each week. Colorado recommends at least 5 work search activities per week. Activities include job applications, interviews, job fairs, workforce center services, networking events, and skills training. Must document activities and maintain records for potential audit. Exemptions available for temporary layoff with recall within 16 weeks or union hiring hall dispatch.