Montana 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 Montana, 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 Montana provide temporary income replacement for eligible workers who lose employment through no fault of their own. The program is administered by the Montana Department of Labor & Industry’s Unemployment Insurance Division and funded through employer taxes under state and federal law.
Program authority: Montana Unemployment Insurance Law, Montana Code Annotated Title 39, Chapter 51
Administering agency: Montana Department of Labor & Industry, Unemployment Insurance Division
Official website: https://uid.dli.mt.gov/
This guide provides comprehensive information on Montana 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: Montana Code Annotated, Montana Department of Labor & Industry official guidance, U.S. Department of Labor
| Montana Unemployment Benefits – 2026 Quick Reference | ||
|---|---|---|
| Category | 2026 Information | Official Source |
| Maximum Weekly Benefit | $698 (based on Schedule I) | Montana Code § 39-51-2201 |
| Minimum Weekly Benefit | $207 (based on Schedule I) | Montana Code § 39-51-2201 |
| Standard Duration | Up to 28 weeks | Montana Code § 39-51-2204 |
| Waiting Week Required | Yes | Montana Code § 39-51-2104 |
| Filing Portal | UI Claimant Center | uiclaimant.mt.gov |
| Certification Frequency | Weekly | Montana DLI guidance |
| Work Search Required | Minimum 1 contact/week | Montana Code § 39-51-2104 |
| Appeal Deadline | 10 days from determination mailing | Montana Code § 39-51-2402 |
| Payment Methods | Direct deposit, paper check | Montana DLI guidance |
| Tax Withholding Available | Federal: Yes (10%) / State: No state income tax | Montana DLI guidance |
Key Unemployment Insurance Terms
| Term | Definition |
|---|---|
| Claimant | Individual filing for unemployment benefits |
| Base Period | First 4 of last 5 completed calendar quarters used to determine monetary eligibility |
| 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 |
Overview of Unemployment Benefits in Montana
Program Purpose
Unemployment insurance in Montana provides temporary income replacement for workers who become unemployed through no fault of their own. The program operates as a federal-state partnership, with Montana administering benefits according to state law while meeting federal requirements.
Legal framework:
- State law: Montana Unemployment Insurance Law, Montana Code Annotated Title 39, Chapter 51
- Federal law: Federal Unemployment Tax Act (FUTA), 26 U.S.C. § 3301
- Funding: Employer payroll taxes (no employee contribution)
Source: Montana Code Annotated § 39-51-101 et seq.; FUTA at https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section3301
Administering Agency
Montana Department of Labor & Industry – Unemployment Insurance Division
Montana’s unemployment insurance program is administered by the Unemployment Insurance Division within the Montana Department of Labor & Industry.
Contact information:
- Website: https://uid.dli.mt.gov/
- Claims filing portal: https://uiclaimant.mt.gov
- Phone: (406) 444-2545
- Hours: Monday through Friday, 9:00 a.m. to 4:00 p.m. (hours may be subject to change)
- Mailing address: P.O. Box 8020, Helena, MT 59604-8020
- Fraud reporting: (888) 556-4677 or (406) 444-0072
- Overpayment inquiries: (406) 444-5434
Source: Montana Department of Labor & Industry official website
Who Is Eligible for Unemployment Benefits in Montana
Employment Status Requirements
To qualify for unemployment benefits in Montana, individuals must have worked in covered employment during the base period.
Covered employment definition:
According to Montana Code § 39-51-203: “Employment means service performed for remuneration, including service in interstate commerce, performed by an individual for an employing unit.”
Covered employment generally includes most private sector jobs, government positions, and nonprofit organizations. Employers pay unemployment insurance taxes to fund the program.
Excluded categories:
- Independent contractors (unless misclassified)
- Self-employed individuals working full-time
- Certain agricultural workers under specific conditions
- Domestic workers in private homes earning below threshold
- Elected officials
- Students working for educational institution while enrolled and regularly attending classes
- Employees of religious organizations performing religious duties
Source: Montana Code §§ 39-51-203 and 39-51-204 (employment definitions and exclusions)
Official text: https://leg.mt.gov/bills/mca/title_0390/chapter_0510/parts_index.html
Earnings and Work History Requirements
Base Period Definition:
The base period in Montana is the first four of the last five completed calendar quarters before filing the claim.
Example: Claim filed in January 2026
- Base period: October 2024 – September 2025 (Q4 2024, Q1 2025, Q2 2025, Q3 2025)
- Alternative base period (if standard fails): January 2025 – December 2025 (Q1 2025, Q2 2025, Q3 2025, Q4 2025)
Source: Montana Code § 39-51-201(2)
Minimum Monetary Requirements:
To qualify monetarily for benefits in Montana, claimants must meet the following wage requirements based on earnings in the base period:
- Total base period wages: Must be at least 1.5 times wages in highest quarter AND at least 7% of Montana’s average annual wage, OR
- Alternate threshold: Total base period wages must be at least 50% of Montana’s average annual wage
The monetary determination notice sent after filing shows whether earnings meet these requirements.
Alternative base period:
Montana allows use of an alternative base period (last four completed quarters) if the standard base period does not qualify the claimant for benefits.
Source: Montana Code § 39-51-2105 – Monetary Eligibility Requirements
Benefit calculator: https://uid.dli.mt.gov/claimants/benefits-estimator (provides estimate only)
Separation From Employment Requirements
Qualifying separations (eligible for benefits):
The following types of job separation qualify for unemployment benefits in Montana:
- Layoff due to lack of work
- Business closure or downsizing
- Position elimination
- Reduction in hours below full-time
- Temporary layoff with indefinite recall
- Discharge not due to misconduct
- Leaving employment for good cause attributable to the employment
- Leaving due to domestic violence, stalking, or sexual assault affecting claimant or claimant’s child
Disqualifying separations:
According to Montana Code § 39-51-2302 and § 39-51-2303, benefits are denied if unemployment results from:
- Voluntary quit without good cause
- Definition: Leaving employment voluntarily without work-related reason considered “good cause” under state law
- Disqualification period: Until claimant earns wages from new employment or completes 3 consecutive months of appropriate training at state-accredited educational institution
- Discharge for misconduct
- Definition: “A deliberate violation or deliberate disregard of standards of behavior that the employer has a right to expect or negligence in such degree or recurrence as to manifest culpability, wrongful intent, or evil design, or to show an intentional and substantial disregard of the employer’s interest or the employee’s duties and obligations to the employer”
- Disqualification period: Until claimant earns wages from new employment
- Discharge for gross misconduct
- Definition: “A criminal act, other than a violation of a motor vehicle traffic law, for which an individual has been convicted in a criminal court or has admitted or conduct that demonstrates a flagrant and wanton disregard of and for the rights, title, or interest of a fellow employee or the employer”
- Disqualification period: 52 weeks
- Refusal of suitable work
- Definition: Declining job offer meeting definition of “suitable work” without good cause
- Disqualification period: Variable based on circumstances
Good cause exceptions:
Montana recognizes the following as “good cause” for voluntary separation:
- Health conditions making continued employment harmful or impossible
- Accepting other employment
- Domestic violence, stalking, or sexual assault affecting claimant or claimant’s child
- Following spouse to new location due to employment transfer or military orders
- Verified hostile work environment or workplace safety concerns
- Substantial change in working conditions that materially affect compensation or work duties
Source: Montana Code §§ 39-51-2302, 39-51-2303, 39-51-2304 (separation provisions)
Official text: https://leg.mt.gov/bills/mca/title_0390/chapter_0510/parts_index.html
Who Is Not Eligible for Unemployment Benefits in Montana
The following categories of workers are generally not covered by Montana’s unemployment insurance program:
Categorical exclusions:
- Self-employed individuals
- Individuals working for themselves are not covered by unemployment insurance
- Seeking or working in self-employment does not meet work search requirements
- Independent contractors
- Workers classified as independent contractors rather than employees are not covered
- Note: Misclassified workers may appeal classification and potentially qualify
- Certain students
- Students employed by educational institution at which they are enrolled and regularly attending classes
- Service performed in any quarter does not make institution liable for contributions if performed by student enrolled and regularly attending classes
- Federal civilian employees
- Covered under Unemployment Compensation for Federal Employees (UCFE) program, not state UI
- UCFE information: https://www.dol.gov/agencies/eta/unemployment-insurance
- Military personnel
- Covered under Unemployment Compensation for Ex-Servicemembers (UCX) program
- UCX information: https://www.dol.gov/agencies/eta/unemployment-insurance
- Certain agricultural workers
- Agricultural labor under specific conditions outlined in Montana Code § 39-51-204
- Domestic workers below threshold
- Domestic or household service workers earning below specified quarterly thresholds
- Elected officials
- Service performed as elected official is excluded from coverage
- Certain real estate agents and direct sellers
- Licensed real estate agents and direct sellers under specific circumstances
- Employees of religious organizations
- Service performed in employ of church or convention or association of churches performing religious duties
Source: Montana Code § 39-51-204 (excluded services)
Federal programs: 5 U.S.C. § 8501 (UCFE); 5 U.S.C. § 8521 (UCX)
How Unemployment Benefit Amounts Are Calculated in Montana
Weekly Benefit Amount (WBA)
Calculation formula:
Montana calculates the weekly benefit amount using the following formula specified in Montana Code § 39-51-2201:
An individual’s weekly benefit amount must be an amount equal to:
- 1% of the total base period wages, OR
- 1.9% of the total wages paid in the 2 calendar quarters in which wages were the highest during the base period
The higher of these two calculations becomes the weekly benefit amount. If the amount is not a multiple of $1, it is rounded to the nearest lower full dollar amount.
For 2026:
- Minimum WBA: $207 (20% of average weekly wage under Schedule I)
- Maximum WBA: $698 (67.5% of average weekly wage under Schedule I)
- Average WBA: Approximately $438 (2024 data)
Calculation notes:
The maximum and minimum weekly benefit amounts are computed based on Montana’s average weekly wage and the unemployment insurance contributions schedule in effect. For benefit years beginning on or after July 1, 2025:
- If Schedule I is in effect: Maximum WBA is 67.5% of average weekly wage; Minimum WBA is 20% of average weekly wage
- If Schedule II or higher is in effect: Maximum WBA is 66.5% of average weekly wage; Minimum WBA is 19% of average weekly wage
As of 2026, Schedule I is in effect.
Example calculation:
Claimant with the following base period wages:
- Q1 2025: $8,000
- Q2 2025: $9,000
- Q3 2025: $8,500
- Q4 2024: $7,500
- Total base period wages: $33,000
Calculation Method 1: 1% of total base period wages = $33,000 × 0.01 = $330
Calculation Method 2: 1.9% of two highest quarters = ($9,000 + $8,500) × 0.019 = $17,500 × 0.019 = $332.50
Higher amount is $332.50, rounded down to $332
Weekly Benefit Amount: $332
Partial unemployment:
Claimants working part-time may receive reduced benefits. Montana allows earnings up to 25% of the weekly benefit amount before benefit reduction. Benefits are reduced by $0.50 for each dollar earned above this threshold.
Source: Montana Code § 39-51-2201 (benefit calculation); § 39-51-2202 (partial benefits)
Last updated: January 2026
Official calculator: https://uid.dli.mt.gov/claimants/benefits-estimator (estimate only, not determination)
Partial benefit calculator: https://uid.dli.mt.gov/claimants/partial-benefit-calculator
Maximum Benefit Amount and Duration
Maximum benefit amount (MBA):
The maximum benefit amount is the total benefits available during the benefit year. According to Montana Code § 39-51-2204, the number of weeks of benefits available depends on the ratio of total base period earnings to highest quarter earnings.
Standard benefit duration: Up to 28 weeks (recently reduced from 26 weeks in previous years)
The specific number of weeks depends on wage distribution across base period quarters, with the maximum being 28 weeks for claimants with well-distributed earnings.
Maximum total benefits (2026): Approximately $19,544 (based on maximum WBA of $698 × 28 weeks)
Benefit year:
Benefits are payable for up to 28 weeks within a 52-week benefit year beginning the Sunday of the week the claim is filed. Once the maximum benefit amount is exhausted, claimants must wait until the benefit year expires before filing a new claim with new base period wages.
Extended Benefits (EB) program:
Additional weeks of benefits may be available when Montana’s unemployment rate triggers the federal-state Extended Benefits program. EB provides up to 13 additional weeks when activated.
EB 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 (Montana’s unemployment rate remains below trigger thresholds)
Status verification: https://uid.dli.mt.gov/
Source: Montana Code § 39-51-2204 (duration); Montana Code § 39-51-2501 et seq. (Extended Benefits)
EB status: Montana Department of Labor & Industry, verified January 31, 2026
Dependents Allowance
Montana does not provide dependent allowances for unemployment benefits. The weekly benefit amount is calculated solely based on base period wages without additional amounts for dependents.
Source: Montana Code reviewed; no dependent allowance provisions found in Title 39, Chapter 51
Unemployment Benefit Payment Schedule in Montana
| Payment Process and Timeline | ||
|---|---|---|
| Phase | Timeframe | Details |
| Weekly Certification Window | Sunday 12:01 a.m. through following Saturday midnight | File certification for previous week online at uiclaimant.mt.gov |
| Processing Time | 1–2 business days | Time for Montana DLI to process certification and verify eligibility |
| Payment Authorization | 1–2 business days after processing | Payment approved and sent to selected payment method |
| Direct Deposit | 2 business days after authorization | Funds available in bank account (may vary by financial institution) |
| Paper Check | 5–7 business days after authorization | Check mailed to address on file |
| Total Timeline | 3–6 weeks from initial filing | Typical time from initial claim to first payment (includes waiting week) |
Waiting week impact:
Montana requires a one-week waiting period. The first week of unemployment for which a claimant files and meets all eligibility requirements is the waiting week and is not compensable. This means the first payment received is for the second eligible week of unemployment.
Certification schedule:
Weekly payment requests must be filed beginning Sunday through Saturday for the prior week. For example, the benefit week runs Sunday through Saturday, and claimants request payment for that week during the following week (Sunday through Saturday).
Important: Benefit payment weeks must be claimed in order. If a claimant files a week late, they must provide information explaining what prevented timely filing.
Source: Montana Code § 39-51-2104 (waiting week); Montana Department of Labor & Industry payment timeline information
Payment schedule page: https://uid.dli.mt.gov/claimants/
How to File an Unemployment Claim in Montana
Online Filing (Primary Method)
Filing portal: UI Claimant Center
URL: https://uiclaimant.mt.gov
Availability: 24/7 online access
Identity verification: Montana’s unemployment program partners with ID.me for secure identity verification. Claimants filing online may be instructed to use ID.me to verify identity.
Step-by-step filing process:
- Access the UI Claimant Center – Navigate to uiclaimant.mt.gov
- Create account – Register with email address and create secure password
- Verify identity – Complete ID.me verification process if prompted
- Provide Social Security number – Enter Social Security number for identity verification and claim processing
- Enter personal information – Name, address, contact information, citizenship or legal work authorization status
- Provide employment history – List all employers during past 18 months with:
- Employer name and address
- Employment dates (start and end)
- Reason for separation (laid off, discharged, quit, still working)
- Last day worked
- Contact person at employer
- Answer eligibility questions – Questions about availability for work, work search capability, and potential disqualifying issues
- Sign Claimant Agreement electronically – Verify legal work status and acknowledge obligations
- Submit claim – Review information 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)
- Contact information (phone, email, mailing address)
Processing: Claims are typically processed within 1-2 weeks. Claimants receive monetary and non-monetary determinations by mail and through the online Claimant Center.
Source: Montana Department of Labor & Industry filing instructions
Official guide: Claimant Handbook available at https://uid.dli.mt.gov/
Phone Filing
Montana strongly encourages claimants to file online through the UI Claimant Center. Phone filing is available for those without internet access.
Telephone claims line: (406) 444-2545
Hours: Monday through Friday, 9:00 a.m. to 4:00 p.m. (hours subject to change)
TTY: Montana Relay Service at 711
Phone filing follows the same process as online filing. Representatives ask questions and enter information into the system. Wait times may be significant during peak periods. Claimants filing by phone will receive forms by mail, including the Claimant Agreement, which must be signed and returned.
Note: For claimants living outside Montana, registration with the workforce agency in the state of residence is required.
Source: Montana Department of Labor & Industry contact information
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)
- Citizenship status or work authorization documents (for non-U.S. citizens)
Employment documentation:
- Last employer information (name, complete address, phone, dates of employment)
- Reason for separation from each employer
- Separation notice (if available): layoff letter, termination notice, furlough notice, discharge documentation
- All employers in last 18 months with dates and separation reasons
Banking information (for direct deposit):
- Bank routing number (9 digits)
- Account number
- Account type (checking or savings)
Additional documentation (if applicable):
- Work authorization documents: Green card, employment authorization card, or other USCIS documentation (non-citizens)
- DD Form 214 (military service separation)
- SF-8 or SF-50 (federal employment)
- Union membership documentation (if union member with hiring hall)
- Training program approval documentation (if in approved training)
Most documents can be uploaded through the online Claimant Center portal after filing the initial claim. Claimants keep copies of all documentation for their records.
Source: Montana Department of Labor & Industry filing checklist
Document requirements: https://uid.dli.mt.gov/claimants/
Weekly Certification and Ongoing Eligibility Requirements
Certification Process
Certification frequency: Weekly
Filing window: Sunday 12:01 a.m. through Saturday midnight for the previous week
Method: Online through UI Claimant Center at uiclaimant.mt.gov or phone at (406) 444-2545
Each weekly certification requires answering questions about the previous week:
- Were you able and available to work full-time?
- Did you actively look for work and submit job applications?
- Did you refuse any job offers or miss any job interviews?
- Did you work any hours or earn any wages?
- Did you take time off or miss scheduled work?
- Were you attending school or training?
- Did you quit, were you discharged, or were you laid off from a job?
Late filing: Certifications filed late may result in delayed or denied benefits. Montana requires claimants to explain what prevented timely filing if certification is filed after the designated week. Claims become inactive after four weeks without a payment request.
Claim reactivation: Claimants can reactivate claims at any time during the benefit year through the online Claimant Center or by calling Claims Processing. Reactivation requires providing information about any employment since the claim became inactive.
Source: Montana Code § 39-51-2104 (continuing claim requirements); Montana Code § 39-51-2401 (claims procedures)
Certification instructions: https://uid.dli.mt.gov/claimants/
Work Search Requirements
Required work search activities:
According to Montana Code § 39-51-2104 and Montana Administrative Rules, claimants must actively search for work and complete at least one qualifying work search activity per week.
Minimum requirement: One job application, resume submission, or job interview per week
Qualifying activities:
- Submitting job application to potential employer
- Submitting resume to potential employer
- Attending job interview
- Attending job fair or hiring event
- Attending career center workshop at Job Service Montana office
Work search contact requirements:
- Contacts must be made with person or entity having hiring authority
- Contacts must be with employers who pay into unemployment insurance
- Same employer may not be used for two consecutive weeks unless requested by employer or applying for different positions
- Contacts must be for work claimant is willing and qualified to do
- Simply checking job listings, calling to ask if employer is hiring, or seeking self-employment does not meet requirements
Documentation required:
For each work search activity, record:
- Business name
- Person contacted (or online application URL)
- Date of contact
- Position applied for
- Telephone number of business
- Method of application (online, in-person, mail, fax)
- Result of contact
Claimants must keep work search records for three years in case claim is selected for audit. Copies of confirmations of applications/resumes submitted electronically are maintained by claimants.
Work search log: Downloadable form available at https://uid.dli.mt.gov/forms
Audit process:
Montana Department of Labor & Industry conducts random audits and verification of work search activities. Claimants must provide documentation upon request. Failure to document work search or submitting false work search information may result in benefit denial and potential fraud penalties.
Exemptions:
The following claimants are exempt from work search requirements:
- Job-attached workers – Have definite or approximate date of return to work at 30 or more hours per week with current or recent employer. Must be able and available for work and report any separations from employment. Employer may be contacted to verify job attachment status.
- Union-attached workers – Active members of union with hiring hall who are on the out-of-work list. Must maintain current union dues and remain on out-of-work list. Union may be contacted to verify attachment status.
- Department-approved training participants – Enrolled in Montana Department of Labor & Industry approved training program. If training ends, is not in session, or claimant does not attend for 30 days, work search requirements resume.
- RESEA participants – Claimants participating in Reemployment Services and Eligibility Assessment program may have modified work search requirements as specified in program plan.
Each exemption requires verification and approval by Montana Department of Labor & Industry. Claimants check claim status online at uiclaimant.mt.gov to determine current job or union attached status.
Important notes:
- Working part-time with no guarantee of full-time work does not exempt claimants from work search requirements
- Registering with temporary hiring agency counts as work search contact only for the week of initial registration
- Seeking or engaging in self-employment does not meet work search requirements
Source: Montana Code § 39-51-2104 (work search); Montana Administrative Rules Title 24, Chapter 11 (approved activities)
Work search guide: https://uid.dli.mt.gov/claimants/work-search-requirements
Exemption verification: Online Claimant Center or contact Claims Processing at (406) 444-2545
What Happens After Filing a Claim
Claim processing steps:
- Initial claim received – Montana Department of Labor & Industry receives application through online portal or phone
- Employer notification – All employers within last 6 weeks of filing are contacted for separation information
- Monetary determination issued – Shows base period wages, WBA, MBA, benefit year dates (issued within 1-2 weeks of filing)
- Non-monetary determination (if needed) – Investigation of eligibility issues such as separation reason, availability, work refusal (timeline varies based on complexity)
- First payment – If approved and no issues, payment issued for completed weeks after waiting week
Monetary determination:
Document showing:
- Base period wages by quarter and employer
- Total wages in base period
- Wages in two highest quarters
- Weekly benefit amount (WBA) calculation
- Maximum benefit amount (MBA)
- Number of potential benefit weeks (up to 28)
- Benefit year beginning date (Sunday of week claim filed)
- Benefit year ending date (52 weeks after beginning date)
Claimants review monetary determination carefully for accuracy. If employers or wages are missing or incorrect, contact Claims Processing immediately as this could result in benefit overpayment or underpayment. If any quarter shows “pending,” Montana DLI is awaiting wage reports from that state or employer.
Non-monetary determination:
Issued when eligibility questions exist regarding:
- Reason for separation from employment
- Availability for work and ability to work
- Refusal of work or missed interviews
- School attendance affecting availability
- Workers’ compensation receipt
- Other disqualifying issues
Investigation process:
- Fact-finding interview scheduled (typically by phone)
- Employer and claimant provide information and documentation
- Evidence submitted and reviewed by adjudicator
- Determination issued with explanation of decision
- Appeal rights included in determination notice
Typical timeline:
- Monetary determination: 1-2 weeks after filing
- Non-monetary determination: 2-4 weeks (if required, varies by complexity)
- First payment: 3-6 weeks if no issues (includes waiting week)
Important: Claimants continue filing weekly payment requests while waiting for determinations. If found eligible, back pay is issued for weeks that were properly requested (excluding waiting week).
Source: Montana Department of Labor & Industry claims processing information
Processing timeline: https://uid.dli.mt.gov/claimants/
Reasons an Unemployment Claim May Be Denied
Monetary denial:
Claims denied for insufficient wages must meet minimum earnings thresholds:
- Total base period wages insufficient to meet either the 1.5 times highest quarter plus 7% average annual wage test OR the 50% average annual wage test
- Wages in only one quarter of base period
- Insufficient wage distribution across quarters
- No covered employment during base period
Monetarily ineligible claimants may reapply after benefit year expires with new base period wages.
Non-monetary denial (disqualifications):
- Voluntary quit without good cause attributable to employment
- Disqualification: Until claimant earns wages from new employment or completes 3 consecutive months of appropriate training at state-accredited educational institution
- Discharge for misconduct
- Disqualification: Until claimant earns wages from new employment sufficient to requalify
- Discharge for gross misconduct
- Disqualification: 52 weeks from date of discharge
- Refusal of suitable work without good cause
- Disqualification: Variable based on circumstances and refusal reason
- Failure to meet availability requirements
- Disqualification: Until requirements met (able and available for work)
- Work search non-compliance
- Disqualification: Week(s) of non-compliance; continued non-compliance may result in extended denial
- School attendance without approval
- Disqualification: Weeks of unavailability due to school schedule conflicts with work availability
- Receipt of workers’ compensation
- Disqualification: Weeks during which workers’ compensation benefits received
- Labor dispute participation
- Disqualification: Duration of active participation in strike or labor dispute
- False statements or misrepresentation
- Disqualification: Up to 52 weeks plus administrative penalty and overpayment repayment
Administrative denial:
- Incomplete application
- Failure to provide required documentation within specified timeframe
- Failure to return signed Claimant Agreement
- Missed fact-finding interview without good cause
- Identity verification failure
- Non-response to agency requests for information
- Failure to register for work when required
Source: Montana Code §§ 39-51-2302, 39-51-2303, 39-51-2304, 39-51-2305, 39-51-2306 (disqualification provisions)
Denial appeal information: https://uid.dli.mt.gov/claimants/appeals-faq
How to Appeal an Unemployment Decision in Montana
Appeal Deadlines (CRITICAL SECTION)
Filing deadline: 10 days from the date the determination or redetermination was mailed
CRITICAL: Appeals must be filed within 10 days of the date the determination was mailed (shown on notice), NOT the date received.
Calculation: The mailing date is printed on the determination notice. Count 10 calendar days from that date. If the 10th day falls on a weekend or holiday, the deadline extends to the next business day.
Example: If determination mailed January 15, 2026, appeal deadline is January 25, 2026.
Postmark rule: Appeals sent by mail must be postmarked on or before the deadline. Montana accepts hand-delivered appeals and online appeals through the Claimant Center portal.
Late appeals: May be accepted if claimant shows good cause for late filing. Good cause means claimant must explain reason for delay and provide supporting documentation. Common good cause reasons include serious illness, hospitalization, natural disaster, or failure to receive notice due to incorrect address through no fault of claimant.
Source: Montana Code § 39-51-2402; Montana Administrative Rules § 24.40.101
Appeal Filing Process – Redetermination vs. Direct Appeal
NEW: Montana offers two options for appealing determinations (effective July 1, 2025):
Option 1: Request Redetermination
- Second review by different UI claims processing staff member
- Opportunity to submit new information or evidence
- Decision issued as “Redetermination” notice
- If disagreement continues, claimant may then appeal to Office of Administrative Hearings
Option 2: Request Appeal Directly to Office of Administrative Hearings
- Formal hearing before neutral Appeals Referee
- Both parties present evidence and testimony
- Cannot return to redetermination process after choosing this option
- May appeal OAH decision to Unemployment Insurance Appeals Board
How to file (either redetermination or appeal):
Online (fastest method):
- Log in to UI Claimant Center at https://uiclaimant.mt.gov
- Select “File for a Redetermination or Appeal”
- Complete online form
Mail: Montana Department of Labor & Industry
Unemployment Insurance Division
P.O. Box 8020
Helena, MT 59604-8020
In-person delivery: Montana Department of Labor & Industry
P.O. Box 8020
Helena, MT 59604-8020
Required information:
- Claimant name and Social Security number (or UI ID number)
- Determination being appealed (include document number from determination notice)
- Reason for disagreement with determination
- Any new information or evidence supporting position
- Signature and date
Confirmation: Montana sends confirmation of appeal receipt. If online appeal filed, confirmation appears immediately in Claimant Center.
Important: Continue filing weekly payment requests while appeal is pending. If appeal is successful and benefits are allowed, claimant receives back pay only for weeks properly and timely requested.
Source: Montana Department of Labor & Industry appeals process page
Official URL: https://uid.dli.mt.gov/claimants/appeals-faq
Hearing Process (Office of Administrative Hearings)
Hearing notification:
Notice of hearing mailed at least 10 days before scheduled hearing date, including:
- Date and time of hearing
- Hearing method (telephone conference)
- Names of parties involved
- Issues to be decided
- Instructions for submitting evidence
- Instructions for requesting postponement
Hearing format:
- Type: Telephone conference
- Officer: Appeals Referee (also called Hearing Officer)
- Duration: Typically 30-60 minutes, varies by complexity
- Recording: Hearing recorded for potential further appeals
- Deadline: Hearings must be completed within 30 days of appeal filing date
Evidence submission:
- Deadline: Prior to hearing (specific deadline in hearing notice)
- Method: Upload to Claimant Center portal, mail, or fax
- Requirement: Provide copies to all parties
- Accepted formats: Documents, photographs, records, witness statements
Hearing procedures:
- Roll call and introductions of all parties
- Appeals Referee explains hearing process and issues to be decided
- Parties sworn in under oath
- Claimant presents testimony and evidence first
- Employer (if participating) presents testimony and evidence
- Both parties may question each other
- Witnesses may testify if present
- Appeals Referee may ask clarifying questions
- Closing statements from both parties
- Hearing concluded
Representation:
- Claimants may represent themselves or be represented by attorney
- Attorney must file Notice of Appearance with Office of Administrative Hearings
- Employer may be represented by employee, attorney, or third-party representative
- If hiring attorney, do so immediately as hearing is not automatically postponed for attorney conflicts
Postponement requests:
- Must show good cause for postponement
- Only granted if hearing can still be completed within 30-day requirement
- Extraordinary circumstances required for postponement beyond 30 days
Non-appearance consequences:
- If claimant filed appeal and does not appear: Appeal may be dismissed or decision upheld
- If claimant did not file appeal and does not appear: Hearing proceeds without claimant; no second chance to present case
Decision:
Written decision issued within 10 days after hearing, mailed to all parties. Decision includes:
- Findings of fact based on evidence presented
- Conclusions of law applied to facts
- Final decision on eligibility
- Explanation of reasoning
- Appeal rights to Unemployment Insurance Appeals Board
Source: Montana Administrative Rules Title 24, Chapter 11 (hearing procedures)
Hearing guide: Office of Administrative Hearings website at https://dli.mt.gov/hearings
Hearing preparation video: https://dli.mt.gov/hearings (Unemployment Insurance Hearing Video)
Further Appeals
Appeal to Unemployment Insurance Appeals Board:
If dissatisfied with Appeals Referee decision, either party may request review by Montana Unemployment Insurance Appeals Board.
- Deadline: 10 days from date hearing decision was issued
- Method: Written request submitted to:
- Online: Upload to Claimant Center
- Mail: Unemployment Insurance Appeals Board, P.O. Box 8020, Helena, MT 59624-8020
- Email: uiappealsboard@mt.gov
- Review type: Record review (no new hearing; Board reviews transcript and evidence from OAH hearing)
- New evidence: Generally not accepted; Board reviews only evidence presented at OAH hearing
- Parties notified: Board sends notice of review date and time to all parties
- Review format: Telephone conference review
- Decision timeline: Board issues written decision after review, typically within 30-60 days
- Board composition: Three-member citizen review panel appointed by Governor, with at least one licensed attorney
Late appeal to Board: If appeal filed more than 10 days after OAH decision, Board must first determine if good cause exists to extend deadline. Only if good cause found will Board proceed to review merits of case.
Good cause for late appeal: Similar to late appeal standards – serious illness, hospitalization, failure to receive decision, natural disaster, or other circumstances beyond claimant’s control.
Board decision: Written decision mailed to all parties, including:
- Whether OAH decision is affirmed, reversed, or modified
- Explanation of Board’s reasoning
- Instructions for judicial appeal if dissatisfied
Source: Montana Code § 39-51-2403; Montana Administrative Rules Title 24, Chapter 7
Appeals Board information: https://uid.dli.mt.gov/appeals/
Judicial appeal (District Court):
Final administrative decisions may be appealed to Montana District Court.
- Deadline: 30 days from date Unemployment Insurance Appeals Board decision was mailed
- Jurisdiction: Montana District Court in county of claimant’s residence or county where employed
- Filing: Petition for Judicial Review filed with District Court
- Representation: Legal counsel may be beneficial for complex cases
- Standard of review: Court reviews whether Board decision was supported by substantial evidence and whether Board applied law correctly
- Court decision: May affirm, reverse, or remand case to Board for further proceedings
Source: Montana Code § 39-51-2410 (judicial review)
Unemployment Fraud, Penalties, and Overpayments
Fraud Definition and Examples
Fraud defined:
According to Montana unemployment insurance law: “Fraud occurs when a person knowingly makes a false statement or representation, or knowingly fails to disclose a material fact, to obtain or increase benefit payments.”
Fraud is a serious crime investigated and prosecuted by Montana Department of Labor & Industry. All claims are subject to random audit to detect fraud.
Common fraud examples:
- Misreporting hours worked or earnings
- Failing to report all hours worked (paid or unpaid)
- Failing to report all earnings for work performed
- Reporting incorrect earnings amounts
- Misreporting job applications
- Claiming to have applied for work when no application was made
- Providing false information about work search contacts
- Fabricating employer contacts
- Being dishonest about job separation
- Failing to report that employment was quit voluntarily
- Failing to report discharge for misconduct
- Misrepresenting reason for separation
- Failing to report work refusals
- Misrepresenting ability and availability to work
- Claiming to be available when unable to work due to illness
- Claiming to be available when unavailable due to travel, lack of childcare, or lack of transportation
- Failing to report inability or unavailability to work
- Identity theft
- Filing claim using another person’s Social Security number
- Helping another person file fraudulent claim
- Allowing unauthorized person to file on one’s behalf
- Failing to report other income
- Not reporting workers’ compensation benefits
- Not reporting disability payments
- Not reporting retirement or pension payments
- Making false statements or withholding information
- Providing false information on any certification or claim document
- Withholding material facts that would affect eligibility
Source: Montana Department of Labor & Industry fraud definitions; Montana Code Title 39, Chapter 51
Penalties for Fraud
Administrative penalties:
Claimants found to have committed fraud must repay benefits received AND face additional penalties:
- Repayment: 100% of fraudulently obtained benefits (including any tax withholdings)
- Administrative penalty: 50% of the overpayment amount added to debt
- Penalty weeks: Disqualified from receiving benefits for up to 52 weeks
- Interest: May be charged on unpaid balance
- Collection: Debt subject to multiple collection methods including tax refund offset, wage garnishment, liens
Example: Claimant receives $3,000 in benefits fraudulently
- Overpayment debt: $3,000
- Administrative penalty (50%): $1,500
- Total debt: $4,500
- Plus disqualification from benefits for up to 52 weeks
Criminal penalties:
Unemployment fraud is a criminal offense under Montana law:
- Misdemeanor: For smaller fraud amounts – fines and potential jail time
- Felony theft: For larger fraud amounts – substantial fines and imprisonment
- Fines: Up to amounts specified in Montana Criminal Code
- Imprisonment: Potential jail or prison time depending on fraud severity
- Criminal record: Conviction results in permanent criminal record
Source: Montana Code § 39-51-3201 (fraud penalties); Montana Code § 39-51-3206 (overpayment collection)
Report fraud: (888) 556-4677, (406) 444-0072, or https://uid.dli.mt.gov/report-fraud
Non-Fraud Overpayments
Overpayment without fraud:
Overpayments may occur without fraudulent intent due to:
- Agency error in processing or calculation
- Delayed employer information affecting eligibility
- Reversed determination on appeal changing eligibility
- Good faith mistake by claimant in reporting
- Misunderstanding of program requirements
Repayment obligation:
Non-fraud overpayments must be repaid in full, but without administrative penalty or penalty weeks. Montana Department of Labor & Industry issues Statement of Benefits Overpayment showing:
- Amount of overpayment
- Reason for overpayment
- Repayment options
- Appeal rights
Repayment options:
- Current benefit offset – If receiving unemployment benefits, payments automatically reduced by 50% each week for debt repayment (up to 100% for fraud). Note: Benefits cannot be offset to repay administrative penalty fees.
- Direct payment – Monthly payment arrangements for those not receiving benefits
- Lump sum payment – Pay full amount immediately
- Payment plan – Installment agreement established with Overpayments staff
Collection methods if not repaid:
- State tax refund offset – Department of Revenue intercepts state income tax refunds (includes collection fees)
- Federal tax refund offset – For fraud overpayments or failure to report earnings (includes collection fees)
- Lottery winnings intercept – Lottery winnings may be intercepted to repay debt
- Wage garnishment – Wages may be garnished per Montana law
- Property lien – Lien may be filed against real or personal property
- Collection agency – Debt may be transferred to outside collection agency (claimant responsible for collection fees)
Waiver of non-fraud overpayments:
Montana may waive non-fraud overpayments if:
- Overpayment resulted from Department error
- Repayment would cause long-term financial hardship to claimant
- Claimant was not at fault for overpayment
To request waiver, contact Overpayments staff at (406) 444-5434 to request waiver form. Waiver requests require detailed financial information and documentation.
Offer in Compromise:
For non-fraud overpayments, Montana may consider offer to settle debt via lump-sum payment of less than outstanding balance. Contact Overpayments staff at (406) 444-5434 to discuss this option. Requires demonstration of financial inability to repay full amount.
Source: Montana Code § 39-51-3206 (overpayment recovery and collection)
Repayment information: https://uid.dli.mt.gov/ or contact (406) 444-5434
Taxation of Unemployment Benefits in Montana
Federal Tax Treatment
Federal taxation:
Unemployment benefits are taxable income under federal law (26 U.S.C. § 85). Claimants receive Form 1099-G by January 31 showing:
- Box 1: Total unemployment compensation paid during calendar year
- Box 4: Federal income tax withheld (if any)
Withholding option:
Claimants may request federal income tax withholding at 10% of weekly benefit amount. This option can be selected when filing the initial claim or anytime during the benefit year through the online Claimant Center at https://uiclaimant.mt.gov.
Tax reporting:
Unemployment benefits must be reported as income on federal tax return (Form 1040). The amount shown in Box 1 of Form 1099-G is the total amount received during the calendar year, regardless of the benefit year.
Source: IRS Publication 525; 26 U.S.C. § 85
IRS unemployment information: https://www.irs.gov/individuals/employees/unemployment-compensation
State Tax Treatment
Montana taxation:
Montana does not impose a state income tax on unemployment benefits. Montana has no state income tax system.
Source: Montana Department of Revenue; Montana has no state income tax
Verified: January 31, 2026
Form 1099-G
Form 1099-G distribution:
Montana Department of Labor & Industry issues Form 1099-G by January 31 each year for benefits paid during the previous calendar year.
Access methods:
- Mailed to address on file with Montana DLI
- Online through UI Claimant Center: https://uiclaimant.mt.gov (available for viewing and printing)
- By phone: Contact Claims Processing at (406) 444-2545
Form 1099-G information:
- Box 1: Total unemployment compensation paid
- Box 4: Federal income tax withheld (if withholding was selected)
- Payer information: Montana Department of Labor & Industry
- Recipient information: Claimant name, address, Social Security number
Incorrect 1099-G:
If Form 1099-G shows incorrect amounts or benefits not received:
- Contact Claims Processing immediately: (406) 444-2545
- Report potential fraud: (888) 556-4677 or https://uid.dli.mt.gov/report-fraud
- Request corrected form before filing taxes
- Do not file taxes using incorrect 1099-G information
Incorrect 1099-G may indicate identity theft or fraudulent claim filed in claimant’s name. Montana DLI investigates all reports of fraudulent claims and issues corrected 1099-G forms when fraud is confirmed.
Source: Montana Department of Labor & Industry 1099-G information
Official URL: https://uid.dli.mt.gov/claimants/
Special Unemployment Programs in Montana
Currently Active Programs (2026)
Montana participates in several special unemployment programs providing benefits beyond standard state unemployment insurance.
Extended Benefits (EB)
Program status (2026): Inactive
Extended Benefits provide additional weeks of unemployment compensation when Montana’s unemployment rate meets federal trigger criteria established under the Emergency Unemployment Compensation Act.
Trigger requirements:
According to Montana Code § 39-51-2504 and § 39-51-2505, EB activates when:
- 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 available: Up to 13 additional weeks when EB is activated
State and federal sharing: Montana and federal government share costs of EB benefits. For claimants who make contributions to unemployment insurance fund, Montana and federal government each pay 50% of EB benefits.
Current status verification:
As of January 2026, Montana’s unemployment rate remains below trigger thresholds. Extended Benefits are not currently available.
IUR monitoring: Montana Department of Labor & Industry calculates IUR weekly and publishes on official website
URL: https://uid.dli.mt.gov/
Last checked: January 31, 2026
Source: Montana Code § 39-51-2501 et seq. (Extended Benefits); Emergency Unemployment Compensation Act § 202
Federal EB information: https://oui.doleta.gov/unemploy/eb.asp
Trade Adjustment Assistance (TAA)
TAA program: Active (federal program administered in Montana)
Workers who lose jobs due to foreign trade impact may qualify for Trade Adjustment Assistance benefits including:
- Extended unemployment benefits beyond standard 28 weeks
- Job training funding for retraining in new occupation
- Job search allowances to seek work outside local area
- Relocation allowances to accept employment in different geographic area
Eligibility requirements:
Employer must be certified by U.S. Department of Labor as trade-affected due to:
- Increased imports of similar or competitive articles
- Shift in production to foreign country
- Loss of business as supplier or downstream producer to trade-affected company
Montana TAA services:
Montana Department of Labor & Industry provides TAA services through Workforce Services Division and Job Service Montana offices.
Benefits available:
- Trade Readjustment Allowances (TRA) – additional weeks of income support while in approved training
- Training programs – funding for occupational skills training, remedial education, or prerequisite education
- Job search and relocation assistance – help finding work and relocating for employment
Montana TAA coordinator contact:
Contact through Job Service Montana offices or Montana Department of Labor & Industry Workforce Services Division.
Source: Trade Act of 1974, 19 U.S.C. § 2271 et seq.; Montana Code § 39-51-2601 et seq. (Trade Readjustment)
U.S. DOL TAA information: https://www.dol.gov/agencies/eta/tradeact
Program details: https://uid.dli.mt.gov/claimants/
Unemployment Compensation for Ex-Servicemembers (UCX)
UCX program: Active (federal program)
Former military service members may be eligible for unemployment benefits based on military service.
Eligibility: Recent separation from military service with qualifying active duty
Administration: Claims filed through Montana unemployment system but governed by federal UCX program rules
Source: 5 U.S.C. § 8521 (UCX)
U.S. DOL information: https://www.dol.gov/agencies/eta/unemployment-insurance
Unemployment Compensation for Federal Employees (UCFE)
UCFE program: Active (federal program)
Federal civilian employees may be eligible for unemployment benefits based on federal employment.
Eligibility: Recent separation from federal civilian employment
Administration: Claims filed through Montana unemployment system but governed by federal UCFE program rules
Source: 5 U.S.C. § 8501 (UCFE)
U.S. DOL information: https://www.dol.gov/agencies/eta/unemployment-insurance
Disaster Unemployment Assistance (DUA)
DUA availability: Available during federally declared disasters
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 Montana
Application: Through Montana Department of Labor & Industry when disasters declared
Duration: Up to 26 weeks of assistance
Eligibility: Workers who lose employment as direct result of disaster and do not qualify for regular UI benefits
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
Reemployment Services and Eligibility Assessment (RESEA)
RESEA program: Active
Mandatory program providing reemployment services to selected unemployment insurance claimants.
Selection: Claimants not job-attached or union-attached and not in approved training may be selected for RESEA participation
Services provided:
- Assessment of reemployment needs
- Development of individualized reemployment plan
- Provision of labor market information
- Referral to reemployment services and training
- Review of unemployment insurance eligibility
Notification: Selected claimants receive notice with RESEA appointment details
Participation requirement: Failure to participate in mandatory RESEA appointment affects unemployment benefits eligibility
Location: RESEA services provided through Job Service Montana offices via virtual or in-person appointments
Source: Social Security Act § 306; Montana Department of Labor & Industry RESEA program
Program information: https://uid.dli.mt.gov/claimants/
Context: Montana Compared to National Benchmarks
Montana benefit levels in national context (2026):
- Maximum WBA: $698 (approximately 28th of 50 states)
- Duration: Up to 28 weeks (standard nationwide is 26 weeks; Montana slightly above)
- Unique features: Montana ties benefit amounts to state average weekly wage, adjusting annually based on economic conditions
National range:
- Highest maximum WBA: Massachusetts ($1,015)
- Lowest maximum WBA: Mississippi ($235)
- Most common duration: 26 weeks
- Montana duration: Up to 28 weeks (above national standard)
Montana distinctive characteristics:
- Benefit amounts automatically adjust based on Montana’s average weekly wage
- No dependent allowances (common with most states)
- Waiting week required (approximately half of states require waiting week)
- Strong program solvency with trust fund balance exceeding minimum federal standards
For comprehensive state-by-state comparisons, see: U.S. DOL Comparison: https://oui.doleta.gov/unemploy/comparison/
Source: U.S. Department of Labor, Comparison of State UI Laws 2026; Montana Department of Labor & Industry data
Resources
Montana unemployment resources:
Montana Department of Labor & Industry – Unemployment Insurance Division
Website: https://uid.dli.mt.gov/
Claims Portal: https://uiclaimant.mt.gov
Phone: (406) 444-2545
Hours: Monday-Friday, 9:00 a.m. – 4:00 p.m.
Mailing Address: P.O. Box 8020, Helena, MT 59604-8020
Job Service Montana (Workforce Services)
Website: https://montanaworks.gov/
Job search portal and career services
Multiple office locations statewide
Office of Administrative Hearings
Website: https://dli.mt.gov/hearings
Phone: Contact through Claims Processing
Handles unemployment insurance appeals hearings
Unemployment Insurance Appeals Board
Website: https://uid.dli.mt.gov/appeals/
Email: uiappealsboard@mt.gov
Mailing Address: P.O. Box 8020, Helena, MT 59624-8020
Fraud Reporting
Phone: (888) 556-4677 or (406) 444-0072
Email: mtuifraud@mt.gov
Online: https://uid.dli.mt.gov/report-fraud
Reports can be made anonymously
Overpayment Inquiries
Phone: (406) 444-5434
For waiver requests, offers in compromise, and repayment arrangements
Federal resources:
U.S. Department of Labor – Employment & Training Administration
Purpose: Federal UI oversight and programs
Website: https://www.dol.gov/agencies/eta/unemployment-insurance
CareerOneStop
Purpose: Job search resources and career planning
Website: https://www.careeronestop.org/
Sponsored by U.S. Department of Labor
Internal Revenue Service
Purpose: Tax information on unemployment benefits
Website: https://www.irs.gov/individuals/employees/unemployment-compensation
Publication 525: Taxable and Nontaxable Income
Source: Official government websites
Frequently Asked Questions: Montana Unemployment Benefits 2026
What are unemployment benefits in Montana?
Unemployment benefits in Montana are temporary income replacement payments provided to eligible workers who lose employment through no fault of their own. Benefits are funded entirely by employer taxes and administered by the Montana Department of Labor & Industry’s Unemployment Insurance Division. The program provides partial wage replacement for up to 28 weeks while claimants search for new employment.
How much can I receive in unemployment benefits in Montana?
Montana calculates weekly benefit amounts based on earnings during the base period (first 4 of last 5 completed calendar quarters). The calculation is either 1% of total base period wages OR 1.9% of wages in the two highest quarters, whichever is greater. For 2026, the minimum weekly benefit is $207 and the maximum is $698. The specific amount depends on individual wage history.
How long does it take to get unemployment benefits in Montana?
After filing an initial claim, claimants typically receive their first payment within 3-6 weeks if no eligibility issues exist. This timeline includes the required one-week waiting period, processing time for monetary and non-monetary determinations, and payment processing. Claimants must file weekly certification requests to receive benefits. If eligibility issues arise requiring investigation, the timeline may be longer.
Can I work part-time and still receive unemployment in Montana?
Yes. Montana allows claimants to work part-time and receive partial unemployment benefits. Claimants can earn up to 25% of their weekly benefit amount without reduction. Earnings above this threshold reduce benefits by $0.50 for each dollar earned. All hours and earnings must be reported when filing weekly certification. Working part-time does not exempt claimants from work search requirements for full-time employment.
What disqualifies you from unemployment in Montana?
Common disqualifications include: voluntary quit without good cause attributable to employment, discharge for misconduct or gross misconduct, refusal of suitable work without good cause, failure to meet work search requirements, inability or unavailability to work, receipt of workers’ compensation benefits, participation in labor disputes, providing false information or withholding material facts, and failing to respond to Montana DLI requests for information.
How do I file for unemployment in Montana?
File online through the UI Claimant Center at https://uiclaimant.mt.gov (available 24/7) or by phone at (406) 444-2545 (Monday-Friday, 9:00 a.m. – 4:00 p.m.). Online filing is strongly encouraged. Provide complete employment history for the last 18 months, reason for each job separation, personal identification, and contact information. After filing, sign and return the Claimant Agreement and begin filing weekly certifications to receive payments.
Are unemployment benefits taxable in Montana?
Unemployment benefits are taxable for federal income tax purposes. Montana does not have a state income tax, so unemployment benefits are not subject to Montana taxation. Claimants may elect 10% federal tax withholding from weekly benefits. Form 1099-G is issued by January 31 each year showing total benefits paid and federal tax withheld. Report unemployment benefits as income on federal tax return.
How do I appeal an unemployment denial in Montana?
File an appeal within 10 days of the determination mailing date. Starting July 1, 2025, claimants can choose between requesting a redetermination (second review by different UI staff) or appealing directly to the Office of Administrative Hearings for a formal hearing. File online through the UI Claimant Center, by mail, or in person. Include claimant name, determination being appealed, and reason for disagreement. Continue filing weekly certifications while appeal is pending.
What happens if I miss my weekly certification in Montana?
If you miss filing your weekly certification, your claim becomes inactive after four weeks without a payment request. You must reactivate your claim through the UI Claimant Center or by calling Claims Processing before you can resume receiving benefits. Late certifications require explanation of what prevented timely filing. Benefits are only paid for weeks properly and timely requested (excluding waiting week).
How long do unemployment benefits last in Montana?
Benefits are available for up to 28 weeks within a 52-week benefit year, depending on wage distribution in the base period. The actual number of weeks available is shown on the monetary determination. Once maximum benefit amount is exhausted, claimants must wait until the benefit year expires before filing a new claim. If working part-time, benefits may last longer than 28 weeks as partial benefits extend the available weeks.
Do I need to search for work while receiving Montana unemployment benefits?
Yes. Montana requires at least one work search contact per week. Claimants must apply for work they are qualified and willing to do with employers who have hiring authority. Keep detailed records of all work search activities for three years. Exemptions exist for job-attached workers (with return date to 30+ hours/week), union-attached workers on out-of-work list, and participants in Montana DLI approved training programs.
What is the waiting week in Montana unemployment?
The waiting week is the first week of unemployment for which claimants meet all eligibility requirements but do not receive payment. Claimants must file a certification for the waiting week. Payments begin for the second eligible week. There is only one waiting week per benefit year. The waiting week helps Montana DLI establish the claim and complete administrative processing.