Dealing with job loss is tough, and figuring out unemployment benefits can make it even harder. If you're in Lake Forest or anywhere else in Illinois, this guide can help you through the process of filing your first claim and getting the help you need.
Understanding Unemployment Benefits in 2025
Unemployment benefits provide temporary financial assistance while you search for new work. The program helps workers who lose their jobs through no fault of their own. The Illinois Department of Employment Security handles these benefits, which can help you cover expenses while you look for work. Keep in mind that you've already helped fund these benefits through the payroll taxes taken from your past paychecks.
Are You Eligible for Unemployment?
Not everyone can collect unemployment benefits. Understanding whether you qualify saves time and frustration. In Illinois, unemployment eligibility requires meeting several basic criteria. You must have earned enough wages during your base period, which is typically the first four of the last five completed calendar quarters. You need to be actively looking for work and available to accept suitable employment. You must also be unemployed or working reduced hours due to circumstances beyond your control.
Work History Matters
Illinois requires specific work history before you can file for unemployment. During your base period, you must have earned at least $1,600 in wages, with at least $440 earned outside your highest-earning quarter.
Job Loss Reasons That Qualify
You must be out of work through no fault of your own to qualify for unemployment compensation. Here are some examples of qualifying and non-qualifying situations:
- If you're laid off, lose your job in a reduction-in-force, or get downsized for economic reasons, you'll meet this requirement.
- In Illinois, employees who are fired for theft or committing a felony will not qualify for unemployment benefits.
- If you quit your job, you might still be eligible under certain circumstances.
- You will remain eligible for unemployment if you had a good reason to leave your job, such as sexual harassment.
- If you left because of domestic violence, for health reasons, or to accompany a spouse in the military, you may still be eligible.
- If you quit to take another position but that position fell through, you may still qualify.
Step-by-Step Guide to Filing Your Claim
Before you start your application, gather the correct information. You'll need your Social Security number, driver's license or state ID, and complete employment history for the past 18 months. This includes employer names, addresses, and dates of employment. Have details about your last employer ready, including your last day of work and the reason you're no longer employed.
Keep your bank account information handy, as direct deposit delivers your benefits faster than waiting for a debit card. It's essential to file for unemployment during the first week you become unemployed to avoid the risk of delaying the start of your benefits.
Setting Up Your Account
The easiest way to apply for unemployment benefits in Illinois is through the IDES portal. Start by creating an account. Set up a username and password, then verify your identity through security questions. If you need a hand, call IDES Claimant Services at (800) 244-5631.
Completing Your Application
When you're ready to file a new unemployment claim, the online system will ask questions about your work history, earnings, and reason for unemployment. You'll also need to provide specific details about your separation from employment. Be truthful and accurate to help IDES process your claim more quickly and accurately.
Mistakes to Avoid
To keep your unemployment benefits flowing smoothly, be sure to steer clear of common errors, like continuing to collect your benefits after you go back to work and not reporting money you earn from part-time or side jobs when you certify.
What Happens After You Apply
After your submission, IDES will go through your application and contact your former employer to verify the information. Your employer can argue against your claim if they think you shouldn't get benefits. You'll receive a determination letter explaining whether your claim was approved and how much you'll receive weekly.
In Illinois, it usually takes seven to ten days to receive a response from the date you file. Meanwhile, keep checking your claim status online and reply to any messages from IDES as soon as possible.
Verifying Your Identity
To protect against fraud and safeguard your information, you'll need to verify your identity. You can do this online with ID.me by following the given steps or through a video call. One more way is to do it in person by going to a partner U.S. post office with your paperwork.
Keeping Your Benefits Active
Once it is approved, you need to maintain your eligibility. Every two weeks, you'll need to certify that you're still unemployed, searching for a job, and ready to work if you find something that fits.
Filing Weekly Claims
Don't forget to log in to your IDES account on your scheduled certification day. The system asks questions about your work search activities, any income you earned, and your continued availability for work. Input the correct figures while filing your claim to avoid problems later on. Complete this process every two weeks without fail. If you miss a certification, you won't receive payment for those weeks.
Meeting Work Search Standards
You must register with the Illinois Employment Service to look for job opportunities and make multiple work search contacts per week. Keep detailed records of every job application you submit, networking event you attend, and employer you contact. The longer you're unemployed, the more flexible you'll need to be in your job search. This could mean being open to longer commutes or slightly lower pay over time.
Participating in Required Services
Once you apply for unemployment benefits, you may be asked to be part of reemployment services. If IDES selects you for these programs, you must attend or risk losing your benefits. These services include skill assessment, reemployment advice, and a job search workshop.
Get Expert Financial Guidance
Unemployment benefits are a lifesaver during this period of transition. If you're worried about how these benefits impact your taxes or need advice on managing your finances while you're job searching, our team at Pasquesi Sheppard is here to help. Contact us today to see how we can assist you during this period and with future tax compliance.