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Что за приложение ui в смартфоне

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Unemployment Insurance (UI): How It Works, Requirements, and Funding

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

Updated September 07, 2023
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Reviewed by Anthony Battle

Anthony Battle is a CERTIFIED FINANCIAL PLANNER™ professional. He earned the Chartered Financial Consultant® designation for advanced financial planning, the Chartered Life Underwriter® designation for advanced insurance specialization, the Accredited Financial Counselor® for Financial Counseling and both the Retirement Income Certified Professional®, and Certified Retirement Counselor designations for advance retirement planning.

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Fact checked by Yarilet Perez

Yarilet Perez is an experienced multimedia journalist and fact-checker with a Master of Science in Journalism. She has worked in multiple cities covering breaking news, politics, education, and more. Her expertise is in personal finance and investing, and real estate.

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What Is Unemployment Insurance (UI)?

Unemployment insurance (UI), also called unemployment benefits, is a type of state-provided insurance that pays money to individuals weekly when they lose their jobs and meet certain eligibility requirements.

Those who either voluntarily quit or were fired for a just cause are usually not eligible for UI. In other words, someone separated from their job due to a lack of available work and at no fault of their own usually qualifies for unemployment benefits.

Each state administers its own unemployment insurance program, despite it being federal law. Workers must meet their state’s work and wage requirements, including time worked. The benefits are primarily paid out by state governments and funded by specific payroll taxes collected for that purpose.

Key Takeaways

  • Unemployment insurance is a state-run program that provides individuals with weekly payments when they lose their jobs and meet certain eligibility requirements.
  • Benefits under unemployment insurance, also called unemployment compensation, typically last up to 26 weeks, depending on the state in which you live and have worked.
  • You do not qualify for unemployment insurance if you quit your job or are fired for cause.
  • The U.S. Department of Labor oversees the unemployment insurance program.
  • Three programs established by the 2020 CARES Act were designed to help out-of-work Americans during the COVID-19 pandemic, including those who ordinarily would be ineligible to access unemployment funds, though those programs expired Sept. 6, 2021.

Understanding Unemployment Insurance (UI)

The unemployment initiative is a joint program between individual state governments and the federal government. Unemployment insurance provides cash stipends to unemployed workers who actively seek employment. Compensation to eligible, unemployed workers is made through the Federal Unemployment Tax Act (FUTA) along with state employment agencies.

Each state has an unemployment insurance program, but all states must follow specific guidelines outlined by federal law. Federal law makes unemployment benefits relatively ubiquitous across state lines. The U.S. Department of Labor oversees the program and ensures compliance within each state.

Workers who meet specific eligibility requirements may receive up to 26 weeks of benefits a year. The weekly cash stipend is designed to replace a percentage of the employee’s regular wage, on average.

States fund unemployment insurance using taxes levied on employers. The majority of employers will pay both federal and state unemployment FUTA tax. Companies that have 501(c)3 status do not pay FUTA tax.

Continuing claims for unemployment insurance reached about 1.79 million during the week ending March 23, 2024. The four-week moving average for continuing claims was reported at roughly 1.80 million.

Three states also require minimal employee contributions to the state unemployment fund. Reportable income includes freelance work or jobs for which unemployment insurance recipients were paid in cash.

Out-of-work persons who do not find employment after a 26-week period may be eligible for an extended benefits program. Extended benefits give unemployed workers an additional number of weeks of unemployment benefits. The availability of extended benefits will depend on a state’s overall unemployment situation.

The federal government established provisions designed to help unemployed Americans during the coronavirus pandemic. These additional benefits were put in place after former President Donald Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March 2020.

They were extended after the passing of the Consolidated Appropriations Act of 2021 and were extended again when President Joe Biden signed the $1.9 trillion American Rescue Plan Act of 2021 on March 11, 2021. The additional benefits expired on Sept. 6, 2021.

Requirements for Unemployment Insurance

An unemployed person must meet two primary requirements to qualify for unemployment insurance benefits. An unemployed individual must meet state-mandated thresholds for either earned wages or time worked in a stated base period. The state must also determine that the eligible person is unemployed through no fault of their own. A person may file an unemployment insurance claim when fulfilling these two requirements.

Individuals file claims in the state where they worked. A participant may file claims by phone or on the state unemployment insurance agency’s website. After the first application, it generally takes two to three weeks for the processing and approval of a claim.

After approval of a claim, the participant must either file weekly or biweekly reports that test or confirm their employment situation. Reports must be submitted to remain eligible for benefit payments. An unemployed worker cannot refuse work during a week, and on each weekly or biweekly claim, they must report any income that they earned from freelance or consulting gigs.

How Is Unemployment Insurance Funded?

Unemployment insurance is funded by taxes on employers, such as the FUTA and various state taxes. FUTA charges 6% of the first $7,000 of each employee’s wages, although this is offset by a 5.4% credit for on-time tax payments.

Some states pay for unemployment benefits by debiting the former employer’s UI account, or by raising the employer’s UI taxes in future years. Since employees are usually not eligible for UI if they quit voluntarily, some employers may pressure their employees to resign rather than fire them.

Unemployment Insurance During the COVID-19 Pandemic

On March 11, 2020, the World Health Organization declared COVID-19, the illness caused by a novel coronavirus, to be a pandemic. States and businesses across the U.S. closed down, causing massive unemployment.

Lawmakers agreed on the passage of the CARES Act, a landmark piece of legislation that, in part, expanded states’ ability to provide UI to millions of workers affected by COVID-19, including people who aren’t ordinarily eligible for unemployment benefits. The bill was passed and signed into law in March 2020.

Three specific programs were designed to help Americans who were out of work because of the coronavirus. A fourth program was established through an Aug. 8, 2020 memorandum issued by President Trump in response to the expiration of the Federal Pandemic Employment Compensation program.

While people who voluntarily quit their jobs do not normally qualify for UI, you may qualify for benefits if you quit due to unpaid wages, unsafe working conditions, a sudden decrease in your hours, or certain other factors. The legal term for this is constructive dismissal.

Federal Pandemic Unemployment Compensation (FPUC)

The Federal Pandemic Unemployment Compensation (FPUC) provided an extra weekly benefit on top of regular UI. The original benefit provided an additional $600 weekly under the CARES Act, but that benefit expired on July 31, 2020. The FPUC was modified and extended as part of the Consolidated Appropriations Act in December 2020.

Another extension of the FPUC was approved after President Joe Biden signed the $1.9 trillion American Rescue Plan Act of 2021 on March 11, 2021. Under the plan, FPUC benefits expired on Sept. 6, 2021.

Pandemic Unemployment Assistance (PUA)

The Pandemic Unemployment Assistance (PUA) expanded UI eligibility to self-employed workers, freelancers, independent contractors, and part-time workers impacted by the coronavirus pandemic. Self-employed workers generally may not qualify for UI, and the PUA provided them with financial assistance. As per the American Rescue Plan Act, the PUA expired on Sept. 6, 2021, after a total of 79 weeks.

Pandemic Emergency Unemployment Compensation (PEUC)

The Pandemic Emergency Unemployment Compensation (PEUC) extended UI benefits under the CARES Act after regular unemployment compensation benefits were exhausted. The PEUC program officially expired on Sept. 6, 2021.

Lost Wages Assistance (LWA) Program

The Lost Wages Assistance (LWA) program was a federal-state unemployment benefit that provided $300 to $400 in weekly compensation to eligible claimants. LWA came into existence in response to the expiration of FPUC on July 31, 2020.

What Are the 4 Types of Unemployment?

The four types of unemployment are cyclical, frictional, institutional, and structural unemployment.

  • Cyclical unemployment is caused by changes in the business cycle, such as recessions.
  • Frictional unemployment occurs when workers leave their jobs and take some time to find a new employer.
  • Institutional unemployment occurs as a result of policies that alter the features of the labor market, such as minimum wage laws and unemployment insurance.
  • Structural employment is long-term unemployment caused by deep changes in the economy, such as new technologies or changing business needs.

How Is Unemployment Calculated?

In the United States, the unemployment rate is calculated by dividing the number of unemployed people who are actively looking for work by the total number of people who are employed or actively seeking employment. This does not include unemployed people who are unable to work or have given up seeking employment.

Who Is Counted As Unemployed?

The unemployed include anyone who doesn’t have a job, is available for work, and has been actively looking for work in the previous four weeks. Actively looking for work includes having job interviews or contacting employers.

What Is the Meaning of UI?

UI, or unemployment insurance, is a government benefit for those who lose their jobs through no fault of their own. UI provides a temporary safety net so that people can continue searching for jobs after they are fired or laid off. Notably, employees who voluntarily quit or are fired for absenteeism or insubordination do not normally qualify for UI, and those who leave due to intolerable working conditions may qualify even if they did quit.

The Bottom Line

Unemployment insurance is a form of state-provided insurance that provides weekly payments to people who have recently been fired or laid off. Although it only provides a fraction of a full paycheck, UI payments can help workers make ends meet as they search for a new job.

What Is UI/UX?

jon weaver team member at orases

UI design focuses on products look and usability to enhance the user’s experience, where UX design focuses on the functionality of the product from a user’s perspective.

UI UX design on laptop

UI and UX are often used interchangeably; however, while they have many similarities these two concepts are not the same. UI and UX are two unique elements of a single customer’s experience. Having a good UI/UX design can help maintain efficiency and create satisfactory usability results that allow for smooth interactions between consumers and products or services. Learn more about UI and UX and how they work together to improve the visible design of a web or mobile application.

What Is User Interface Design (UI)?

a good UI/UX design can help maintain efficiency

UI stands for user interface design. User interface design refers to the design of user interfaces for software and machines, such as computers, mobile devices, home appliances, and other electronic devices. The main purpose of UI is to maximize the usability of these devices and to enhance user experience.

User interfaces act as the access points in which users interact with designs. There are various components of UI, such as graphical user interfaces (GUIs) which are designs for control panels and faces.

Focuses On Facilitating & Guiding User Actions

User interface design focuses on anticipating what a user may need to do and creating elements within an interface that helps users access and facilitate these actions. Interface elements include several design elements, such as input controls like text fields, buttons, radio buttons, checkboxes, list boxes, data fields, dropdown lists, and list boxes.

Creation Of Navigational Components

UI also includes navigational components, such as sliders, icons, tags, breadcrumbs, search fields, and paginations. Another element of UI is informational components. This includes progress bars, message boxes, tooltips, and modal windows. Finally, UI elements include containers, such as an accordion. Oftentimes, more than one UI element is incorporated to effectively display content.

What Is User Experience Design (UX)?

use UX to create products that people are excited about

UX stands for user experience design. User experience design focuses on a consumer’s attitudes and emotions about using a particular product or service.

It also centers on the human-computer interaction and has experiential, practical, valuable, and meaningful aspects that can help businesses determine if certain products are relevant or meaningful to users.

Focus On Functionality Of Product To Entice Users

Design teams often use UX to create products that people are excited about using and that can deliver real value. UX can consist of a number of elements, such as the design, branding, function, and overall usability of a product. UX developers see products as more than just a product but as an experience.

Design Which Aligns With Business Goals & Objectives

User experience design is all about how a person feels when they are interfacing with a system. When referring to systems, this can mean a web application, website, desktop software, or some other form of human-computer interaction. While the main aim of UX is to gain a deeper understanding of users, their abilities, their limitations, and what they value, these are not the only benefits that UX can provide to businesses.

UX design can also be implemented in a way that aligns with business goals and objectives. To create a valuable user experience, information must be useful, desirable, usable, accessible, findable, and credible.

How Are UI/UX Different?

experience and expertise with UI/UX can provide businesses with numerous benefits

UI and UX are often confused and misused. While these two concepts do go hand-in-hand, they involve separate processes and tasks. The main difference between the user interface and user experience and that UX design puts a focus on the overall feel of an experience while UI design is more about how the product’s interfaces function and look.

In addition, UX typically comes first in the product development process and UI comes after to complete the interactive and visual elements. Another difference is that UX generally applies to any type of product or service, while UI focuses primarily on digital products.

The Benefits Of UI/UX

When choosing a custom software development partner, experience and expertise with UI/UX can provide businesses with numerous benefits, including a great return on investment. Successful user experience and design can give companies a competitive advantage.

Increased Customer Retention

Creating a well-made application can also result in customer retention. When you offer something that people want, people will continue using it. As competition continues to grow in a competitive marketplace, customer retention is paramount.

Lower Operational Costs

Developing a well-designed app can also result in lower support costs. When you offer an application that does not require increased training or support, there are naturally fewer costs involved. UI/UX allows you to expect a reduction in development time eliminating time wasted fixing errors or redoing work.

Speak With A Professional Custom Software Development Company

It has become increasingly challenging for businesses to catch and retain the attention of consumers. Having an excellent user interface and experience design strategy can be instrumental to the long-term success of your company. If you have invested in marketing to drive traffic to your products or services, you want to ensure that you are providing the best product and user experience possible.

For more information about UI/UX or custom software development, speak to the developers at Orases today by calling 301.756.5527 or by requesting a consultation online.


Orases is a full-service, digital technology agency based in Maryland. Founded in 2000, we have become a trusted provider of custom software, website and application development services and solutions that drive efficiency and provide measurable cost savings and revenue gains to our client partners.

UniFi Identity Enterprise 4+

I had an android phone previously. Switched to Apple due to more features being supported on Apple such as Mobile Shake. Definitely like to option to be able to shake my phone and the doors unlock. However I wish they would develop a UI app for the Apple Watch to be able to unlock from the watch. They should also create an approach to unlock where the door will automatically unlock if the app is running and you get within a certain distance to the door. That way you don’t have to take your phone out and shake it. Or, a UI app on the watch to be able to shake the watch to unlock. One tap VPN and WI-FI works well also! Again the option to use the Apple Watch to unlock doors would round this out to a perfect app!

Developer Response ,

Hi @mibellinger08, thanks for supporting! To unlock the door within a certain distance, it is now supported by using the Mobile Tap feature, you can adjust the distance of the Mobile Tap in the Advanced Options settings under Identity app > Profile > Mobile Unlock.
We are sorry that the app is not available for Apple Watch yet, we’ve marked down your suggestions and will see what we can implement in the future.
Please contact uid.support@ui.com at any time if you have any questions.

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