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Old 05-16-2020, 05:19 PM
 
3 posts, read 354 times
Reputation: 10

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My wife has (had) two part time jobs before COVID-19 hit. Both were day care type jobs. The main job was at a for-profit business and the 2nd was at a non-profit, church based day care.



Her employer at her main job, the one that paid the most money, chose not to apply for the PPP loan and the employer at the secondary job applied but it was delayed because the funds ran dry. She therefore applied for unemployment and has been receiving a small benefit (about $150/week) plus the extra $600 a week granted by the stimulus package.



Now, the PPP loan has finally come through on her 2nd job.


So, is that rather small amount of money going to wipe out the unemployment benefits because the $200 a week that she's getting from the PPP is more than the unemployment benefit she gets for having lost her main job (if you don't count the extra $600 they're adding to it through July) or will the money she gets from the 2nd job simply be deducted from her benefits?


In other words, will the $200/week she's getting from her 2nd job cut what she's been getting from unemployment by about $150 leaving about $600 coming in or will it wipe out the whole thing? From what we're reading it seems like it's going to wipe out the whole thing because her actual benefit is only about $150 to begin with and the $600 is just extra but it's just unclear enough that we don't know for sure.



I know this seems like a really small amount of money but every little bit helps during this shut down that we didn't ask for and had no power to do anything about.



Right now, it looks like we're going to get shorted because one of her employers was too stupid to apply for a payroll "loan" that he wouldn't have ever had to pay back. If she hadn't had two jobs but only had the one, she'd be entitled to get about $750 a week through the end of July via unemployment. As it is, it looks to us like she's going to LOSE more than $500 a week because her secondary employer did apply for the PPP loan which was something that was supposed to help!


Can she get away with not reporting the PPP income from the non-profit that the unemployment benefits where never based on any way? How would they ever know unless we tell them? How many other tens of thousands of people are in similar situations that for sure won't tell them?


Anyway, I'll shut up before this turns into a rant instead of an appeal for advice. Any advice that anyone can give us would be greatly appreciated!


Thanks!
Clete
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Old 05-16-2020, 06:00 PM
 
1,610 posts, read 462,234 times
Reputation: 188
Quote:
Originally Posted by Clete 71469 View Post
My wife has (had) two part time jobs before COVID-19 hit. Both were day care type jobs. The main job was at a for-profit business and the 2nd was at a non-profit, church based day care.





In other words, will the $200/week she's getting from her 2nd job cut what she's been getting from unemployment by about $150 leaving about $600 coming in or will it wipe out the whole thing? From what we're reading it seems like it's going to wipe out the whole thing because her actual benefit is only about $150 to begin with and the $600 is just extra but it's just unclear enough that we don't know for sure.







Thanks!
Clete
Her weekly benefit amount is $150. In Texas the partial unemployment benefit amount is calculated by multiplying the normal weekly benefit by 1.25 and then subtracting from that amount the weekly earnings from the claimant's employment on the side. That difference is what the claimant will receive in partial unemployment benefits.

So it would be $150 x 1.25 = 187.50.. If she makes $200 from that 2nd job it will reduce her UI benefits to zero and she will not be entitled to the $600 during any week that she doesn't receive UI benefits of at least $1. so yes she will bring home only $200 a week from working the 2nd part time job versus $650 a week with her $150 UI plus $600 federal money.
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Old 05-16-2020, 06:23 PM
 
191 posts, read 37,843 times
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I will second everything scrap said. Basically your employer is going to ruin the bankroll you got coming in. It's the huge downside people that are working 2 part time jobs are facing right now. I highly suggest you claim the amount your getting. If you dont, they will find out and if you ever have to claim unemployment again. You will be screwed, and disqualified from recieving future benefits until you pay back the money you defrauded from UC.
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Old 05-16-2020, 07:07 PM
 
1,610 posts, read 462,234 times
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Originally Posted by Companygreed33 View Post
I will second everything scrap said. Basically your employer is going to ruin the bankroll you got coming in. It's the huge downside people that are working 2 part time jobs are facing right now. I highly suggest you claim the amount your getting. If you dont, they will find out and if you ever have to claim unemployment again. You will be screwed, and disqualified from recieving future benefits until you pay back the money you defrauded from UC.
Agree and here's the stats for disqualifications and fraud in Texas

Duration: First week of fraud through end of Benefit year

Benefits Reduced or Cancelled: Remainder of Benefit Year canceled

Fine: no more than $4,000

Imprisonment: up to Maximum 1 year

In Texas effective September 1, 2014, a 15% penalty is imposed on fraudulently obtained benefits.
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Old 05-16-2020, 07:50 PM
 
191 posts, read 37,843 times
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Originally Posted by scraprsmith View Post
Agree and here's the stats for disqualifications and fraud in Texas

Duration: First week of fraud through end of Benefit year

Benefits Reduced or Cancelled: Remainder of Benefit Year canceled

Fine: no more than $4,000

Imprisonment: up to Maximum 1 year

In Texas effective September 1, 2014, a 15% penalty is imposed on fraudulently obtained benefits.
Damn! That's a big hit to take. I think in the past, at least in PA. You played that game, and got hit later on your next/future claim. I assume with everything being so messed up, they probably wouldn't catch it right away. They would eventually catch the fraud, and the reward probably ain't worth the risk. Definitely not in Texas anyway.
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Old 05-16-2020, 09:33 PM
 
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Thanks you guys.


Socialism sucks in every imaginable way.


There's no free lunch and the government in the United States of America has the power to take the lunch you've earned.


Lesson learned.
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Old 05-16-2020, 10:26 PM
 
191 posts, read 37,843 times
Reputation: 86
Quote:
Originally Posted by Clete 71469 View Post
Thanks you guys.


Socialism sucks in every imaginable way.


There's no free lunch and the government in the United States of America has the power to take the lunch you've earned.


Lesson learned.
No problem, sorry we couldn't give you better news on the matter at hand. I dont know your current financial situation or what your up against, but I would outweigh the pros and cons of risking getting caught. From what I researched, you will get caught eventually and probably only penalized when you do file in the future. The heavy fines and jail time, is extremely rare. Unless Texas would wanna make an example out of you and can prove you knowingly defrauded UC.

If I were you, I probably wouldn't chance it. We dont know what the future holds, and you may be in dire straits with zero income coming in when you file again in the future. I'm sure Scrap would say the same.
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Old 05-17-2020, 05:22 AM
 
1,610 posts, read 462,234 times
Reputation: 188
Quote:
Originally Posted by Companygreed33 View Post
No problem, sorry we couldn't give you better news on the matter at hand. I dont know your current financial situation or what your up against, but I would outweigh the pros and cons of risking getting caught. From what I researched, you will get caught eventually and probably only penalized when you do file in the future. The heavy fines and jail time, is extremely rare. Unless Texas would wanna make an example out of you and can prove you knowingly defrauded UC.

If I were you, I probably wouldn't chance it. We dont know what the future holds, and you may be in dire straits with zero income coming in when you file again in the future. I'm sure Scrap would say the same.
I personally wouldn't do it because things have a way of catching up or rearing their ugly heads later on down the line when you least expect it. And to have an overpayment with a 15% penalty plus other possible fines and legal ramifications it just doesn't seem worth it to me.
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Old 05-17-2020, 01:35 PM
 
3 posts, read 354 times
Reputation: 10
Quote:
Originally Posted by Companygreed33 View Post
No problem, sorry we couldn't give you better news on the matter at hand. I dont know your current financial situation or what your up against, but I would outweigh the pros and cons of risking getting caught. From what I researched, you will get caught eventually and probably only penalized when you do file in the future. The heavy fines and jail time, is extremely rare. Unless Texas would wanna make an example out of you and can prove you knowingly defrauded UC.

If I were you, I probably wouldn't chance it. We dont know what the future holds, and you may be in dire straits with zero income coming in when you file again in the future. I'm sure Scrap would say the same.
It isn't in my genetic code to defraud the government (or anyone else) anyway.


We'll just let the unemployment laps out of existence and that will be the end of it.


What I cannot imagine is how there are people who live their lives dependent upon the shear mindless stupidity that we've experience just dealing with this single issue. I can't imagine what it's like having your whole livelihood dangling from a rope that is held at one end by the hand of some mindlessly bored bureaucrat and wrapped snugly around your neck at the other. I'd rather die.
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Old 05-17-2020, 02:22 PM
 
191 posts, read 37,843 times
Reputation: 86
Quote:
Originally Posted by Clete 71469 View Post
It isn't in my genetic code to defraud the government (or anyone else) anyway.


We'll just let the unemployment laps out of existence and that will be the end of it.


What I cannot imagine is how there are people who live their lives dependent upon the shear mindless stupidity that we've experience just dealing with this single issue. I can't imagine what it's like having your whole livelihood dangling from a rope that is held at one end by the hand of some mindlessly bored bureaucrat and wrapped snugly around your neck at the other. I'd rather die.
That's your best bet. Just dont file your biweekly claim, the weeks you begin to recieve the 200.00 from the employer that's getting the loan.

It certainly has been a burden over the last 2 months. I feel some people made out on the extra 600 a week. Most probably didn't. Seeing it took well over a month before they received any type of funds from UC. I do see the country improving, but it will take a little time before it does.
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