How Much Unemployment Will I Get? A Range From Your Own Wages

Each state sets its own formula. Most use wages from a base period — usually the first four of the last five completed calendar quarters — apply a replacement rate between roughly 35% and 55% of your average weekly wage, and then cap the result at the state's maximum weekly benefit. Some states start from the highest-paid quarter instead of the annual total.

There is no national maximum. Each state sets a weekly cap tied to its own average weekly wage, and the cap changes annually. The only correct figure is the one printed on your state's unemployment agency page or in its official calculator.

Up to 26 weeks is the most common maximum, but several states pay fewer weeks and a few pay more during periods of high unemployment. Extended federal benefits have expired, so the state maximum is normally the ceiling unless Congress creates a new program.

It depends on the state. Some states treat severance as wages that delay the start of benefits; others disregard it. A lump sum can also affect the SNAP month in which it arrives. Report it accurately and follow the state agency's written determination rather than a general rule.

Usually yes, with a reduced benefit. Most states allow you to earn some amount — often a share of your weekly benefit — before the payment is reduced to zero. You must report the earnings in the week you earn them, not when you are paid.

You have appeal rights, and the notice states the deadline — often 10 to 30 days. Most denials turn on the reason for separation, a missed document or a misreported week. Appeal in writing within the deadline and keep copies of everything you send.