is unemployment benefits guide legitimate

Note: This is a directory of resources provided by state or federal governments. Who is eligible To be eligible for Unemployment Insurance (UI) benefits, you must: Have earned at least: $5,700 during the last 4 completed calendar quarters, and 30 times the weekly benefit amount you would be eligible to collect Be legally authorized to work in the U.S. During the pandemic, millions of Americans have filed for unemployment benefits due to job loss and reduced work hours. Heres How To Get Your Money Back. Every time. Florida's current minimum wage is $8.56 an hour, but will increase to $10 an hour by September 30, 2021, and then continue to go up $1 per hour each year until 2026. What to do about unwanted calls, emails, and text messages that can be annoying, might be illegal, and are probably scams. This matter still have not been resolved yet. Again, if an offer looks especially appealing, do your due diligence first.Someone might be trying to scam you online. Good luck! Under "Type of submission," select: Note: This is a directory of resources provided by state or federal governments. Lorem ipsum dolor sit amet, consectetur adipiscing elit. We review all comments before they are posted, and we wont post comments that dont comply with our commenting policy. We WILL NOT ask you for personal information or for you to verify your eligibility for unemployment benefits by email or text message, declares the Wisconsin Department of Workforce Development, for example. It will tell you how much your weekly payments could be and how many weeks you could get benefits. If someone approaches you with a quick-money job offer like this, decline and report them to the authorities. Dont respond to any calls, emails, or text messages telling you to wire money, send cash, or put money on gift cards. If a domain name is too "young" we may have not enough details to judge it. Don't do it! Unemployment scammers can create a massive headache for you as you try to prove your identity was stolen. They were notified from Equifax. AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age. Anyone who deliberately provides false information to collect unemployment benefits is committing unemployment fraud. Looking for alternatives for your holiday shopping? You need to respond to that quickly and if possible, electronically, because its slower to process that verification if you send it in on paper, she said. Does the Unemployment send texts? You receive mail about an unemployment claim you didnt make (this could be from any state). ** Free trial offer can only be redeemed once per customer. Unemployment Insurance is temporary income for workers who are unemployed through no fault of their own and who are either looking for new jobs, in approved training, or are awaiting recall to employment. NYS DOL uses ID.me's secure online technology to verify the identity of unemployment insurance (UI) claimants and applicants. Find more information about the benefits offered. If you are still technically employed but havent worked any hours last week, you may still be eligible for benefits. Free online workshop! Check the safety report below. Note that if you don't have sufficient earnings in your base period, the Workforce Commission . IT HAS ALL THE CLASSIC SIGNS AND RED FLAGS OF BEING A SCAMMER. Results based on a 2022 mystery shopper consumer study conducted by ath Power Consulting. Retirement Learn some of the basics about retirement and pension benefits. Please visit here for more information or to file a claim. Eligible claims may receive up to $275 per week in benefit payments. Note: If you have a service that makes your internet address anonymous, please turn it off when claiming weekly benefits. Because of the recent nationwide scams, some state agencies may also reach out to verify your identity, Evermore said. The money partly replaces your lost earnings and helps you pay expenses while looking for new work. Alexa is the most popular service used to rank websites based on their traffic and pageviews. If you want to double-check that you are using the official platform of your states unemployment insurance agency, go to CareerOneStop, which is sponsored by the Department of Labor and compiles the appropriate links and phone contact information for each states unemployment benefits system. The website may be located in a not risky country. I want to know if there's a appointment in my name without my knowledge, Someone has claimed unemployment benefits in my name and got payments sent to them in checks and direct deposit payments I have no way to get to the bottom of this issue nor if I'll be reimbursed for all the benefits that were payable to me was from 2009 till December 2013. The benefits, from taxes your former employer (s) paid, are not based on financial need. I never filed a claim and funny thing is the claim was filed under my maiden name which so havent used since 2013z. Armed with P.I.I., scammers have sought out cooperation from "mules" who are used as intermediaries for filing claims online seeking benefits, exploiting the avalanche of legitimate claims that have hit the New York State Department of Labor due to the COVID-19 crisis. Dont be swayed by people telling you otherwise. AARP Membership - LIMITED TIME FLASH SALE. Very popular scam! If someone stole your tax refund check or filed for one under your name, here's how you can get it back and protect yourself. ), Next, you'll need to notify your employer so that they're aware of the situation., Its also useful to file a report with your local police department. The site is not detected by any blocklist engine. Check if Unemploymentbenefitsguide.com uses HTTPS: The website uses a valid HTTPS (SSL) connection. I was not employed or would even qualify for UI benefits, when corona came. * Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. We may routinely use these records as described in the FTCsPrivacy Act system notices. If this happens to you, the imposters may call, text, or email to try to get you to send some or all of the money to them. Friendly or familial identity theft, Unemployment and government benefits identity theft, Account takeovers (social media, email, etc.). 2016-2023 IsLegitSite | All rights reservedPrivacy Policy | Terms of Service, Validate if the website is a certified site by McAfee SECURE, Query the WHOIS database to find the domain owner. Carefully examine any message purporting to be from a company and donotclick on a link in an unsolicited email or text message. The Unemployment Guide is a directory of resources provided by state or federal governments and is in no way affiliated with, endorsed or sponsored by the federal government, any other governmental body or any private entity offering similar benefits. An official website of the United States government. This is a NIGHTMARE! You are fully or partially unemployed. Lt. Please include also proofs of your experience to better help other users. While states are experiencing a huge increase in applications, there may be delays or outages, but keep trying! This is MA Dept of Unemployment. box for address from an unemployment office?? Organized crime rings have used stolen identities to steal billions from programs like the Pandemic Unemployment Assistance (PUA). How to protect your personal information and privacy, stay safe online, and help your kids do the same. Related: 20+ Common Examples of Fraud & Scams To Steer Clear Of . So I got this on May 28, 2020 at 6:20 pm. You can do so online, by telephone, or in person, depending on your state. Check if Unemploymentbenefitsguide.com is legit or scam, Report was last updated 5 months ago | Update Now. 60-day money back guarantee is only available for our annual plans purchased through our websites (excludes Amazon) or via our Customer Support team. How do I fix this? The Unemployment Benefits Guide is in no way affiliated with, endorsed or sponsored by the federal government, any other governmental body or any private entity offering similar benefits. Attorney General Phil Weiser. We may delete comments that doesn't include proofs. Whereas, in Arizona, you may receive two years in prison and fines up to $150,000 for each false UIclaim [*]. 6. We WILL NOT ask you for personal information or for you to verify your eligibility for unemployment benefits by email or text message. Can not reach legit office numbers at all! To check whether a request is legitimate, log into your unemployment account online at unemployment.ohio.gov to see if you received any correspondence. View the complete domain WHOIS information. Your social security number or alien registration number. For example, employ-wiscon.xyz or Marylandgov.xzy.. By now, it's clear that identity thieves will capitalize upon any opportunity even the coronavirus pandemic to separate citizens from their hard-earned money (just look at how PPPfraud is the biggest fraud of all time). If you are still technically employed but haven't worked any hours last week, you may still be eligible for benefits. But sometimes payments get sent to the real persons account, instead. Millions of Americans hit by coronavirus-driven layoffs and business closures have turned to collecting jobless benefits and, despite some progress on the labor front, the unemployment rate still stands well above pre-pandemic levels. By entering your email and clicking Sign Up, you're agreeing to let us send you customized marketing messages about us and our advertising partners. These types of attacks are dangerous because we see them as a quick and easy way to make money. My email address and the emails address used are different. They may be compensated as a marketing affiliate of Aura, but their ratings are all their own. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. The Employer's Complete Guide Finances and Taxes. We are in no way affiliated with, endorsed or sponsored by the federal government, any other . Even though many employers have been forced to temporarily suspend operations and furlough or lay off staff, policymakers in New York have expanded or launched benefits programs to help support those hurt by the economic slowdown.. To help make things easier, this guide offers a look at some of the major . Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. You can also check the status of your payment at IRS.gov/GetMyPayment. I would report it to the FTC and to the United States Post Office if you received the letter through the mail. Has anyone else gotten letters saying they filed for all these benefits that they know they haven't?? Coverage may not be available in all jurisdictions. A web shop should have its own domain email address configured. Similar to a credit freeze, is there a way to preemptively "block" my state from enrolling me in UI? FPUC: Federal Pandemic Unemployment Compensation boosts unemployment benefits by $300 a week for up to 11 weeks between Dec. 27, 2020, and March 14, 2021. Victims should also file a police report with their local department to cover themselves for later misuse and potential IRS issues next year. Dont be fooled. Email Scams Tell them you were on your way to Petro, Walmart or wherever they say and you just got into a car accident or tell them the bus doesn't come for half hour. Looking for a New Job Find out how to look for work in the private sector and federal government. For added security, click or hover over the senders email address to see if its from an official .gov account., Unemployment scammers will also target you over text. Unemployment Benefits File for benefits online or by phone, 24/7, including expanded benefits for those impacted by COVID-19. I would call Bank of America and they might possibly give a phone number, but I would ask them to transfer you to a live agent. Due to COVID19 all unemployment offices are closed to the public. Here you can share your experience you had with the website. Write useful comments including proofs and detailed information. Support journalism without a paywall and keep it free for everyone by. At least some wages must have been earned in Washington, unless you recently left the military and are currently located in Washington state. So do i file a police report with my local police department or what?? Times of crisis are a breeding ground for new scams. I have this problem and I cannot get through to unemployment for assistance. But when I called one of them to find out if payment had been made, it said they couldn't find my social security number, I'm so confused. All adult members get all the listed benefits. Andrew Cuomo on Thursday announced the launch of a new identity verification tool, ID.me, to fight unemployment benefit fraud and help New Yorkers with bona fide claims verify their . Here are some of the ways you can find out if someone has filed for unemployment under your name: All unemployment scams depend on getting access to your personally identifiable information (PII). 3. Unbelievable situation. I'm so confused if this is from the gov't or from a scammer which is if I say "yes" they would ask for more details like my SSN. You can find details by state here. The form will show the amount of unemployment compensation they received during 2020 in Box 1, and any federal income tax withheld in Box 4. Im lost? Act fast. Your guide to navigating online safety with your kids is here. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit. When in doubt, go to the agencys official website and contact them directly., Job seekers are prime targets for unemployment scammers., Fraudsters will post fake ads on social media sites like LinkedIn and Facebook or job boards that offer high pay for minimal work. This tool allows New Yorkers to submit their identity documentation safely and efficiently as needed by the DOL. Watch out for these signs that your unemployment benefits communications are not legitimate: 1. Good idea. I have no idea if someone is using my name for unemployment benefits. Monetary Eligibility. The website cannot receive emails on its own email domain. Your state agency will never tell you to repay money that way. Whether you worked enough hours in your base year: You must have worked at least 680 hours in your base year. We do not provide any government benefits, money, tax advice, or third party products and/or services. Unemployment taxes have two parts: One is the experience rated tax employers pay based on how many of their former employees have received unemployment benefits. When in doubt, contact the entity supposedly sending you the message, but do not rely on any contact information in a potentially fraudulent message. AARP Membership LIMITED TIME FLASH SALE. No and perhaps. $6500 is what we owe - this is RIDICULOUS!! If your website has a bad rating, ask WOT to review your site. In most states, eligible workers can receive unemployment benefits for up to 26 weeks a year. TAMPA, Fla. To combat unemployment fraud and keep tax dollars out of the hands of criminals, Florida hired ID.me a company that uses facial recognition as a tool to verify people are who . Full access to plan features depends on identity verification and credit eligibility. Hope government unemployment office refuses to accept any application a fraudster tries to apply for. To be eligible, an employee must . Same here bro i don't know what should i do, I want to know if there's anyone acting as their me with all my information getting unemployment benefit from Michigan. How to Apply for Unemployment Benefits. Again, be diligent about who you give your information. Report to your state unemployment benefits agency. The federal minimum wage is . My application is still pending. The HTTPS connection assures that all the traffic between you and the website is encrypted. After purchase of the card to open the pack and gently peel the silver scratch off area on the card. Same thing happened to me. More than 40 million Americans have filed unemployment claims so far during the coronavirus pandemic, and fraudsters are scamming their way into some of those benefits. If the website is detected by a blocklist, it may be involved in malware or spam activity. Let's Encrypt offers free SSL certificates. The American Rescue Plan Act of 2021 changed the tax code so that the first $10,200 of unemployment benefits you received in 2020 was free of federal taxes. The website uses a valid HTTPS connection. What coronavirus questions are on your mind right now. Scammers set their sights on the payments. Okay i have received multiple letters from several states saying i have filed for unemployment benefits. Find your state in the table below: Yeah.. Join AARP for just $9 per yearwhen you sign up for a 5-year term. Secretary of State Jena Griswold. It is your choice whether to submit a comment. Operating a small business is tough any time, but especially difficult now. You can find details by state here. Click the "Unemployment Services" button on the My Online Services page. Disculpe no e podido contactar una cita.hace ya 15 das que me robaron en una gasolinera mi bag.pac.con mis gmail y mi dinero pero mi tarjeta no esa la traa en mi cartera.pero si tena la informacin de mis contactos.y estoy buscando la forma de hacer la subscripcin a Wellfargo .mi no mire es Fernando Romn y ustedes me mandaron la pgina podra comunicarse con migo si gusta tienen mi informacin o perdn mi tarjeta est desactivada podra comunicarme con un servicio.al cliente gracias y buen dia. Check when Unemploymentbenefitsguide.com domain was created: A shopping website created less than 4 months ago is too new and potentially suspicious. So, how do these thieves get access to your sensitive information? We wont post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. There are a variety of benefit and aid programs to help you if you . Here are six key things to know about the fake unemployment websites, according to DOJ's March 4 warning. If you have been employed during the past year and have lost your job through no fault of your own, you may be eligible for unemployment benefits. The U.S. Department of Justice says it has received reports about fraudsters creating sham websites with information about unemployment benefits. Most states require you to actively search for work while receiving benefits, so keep looking and be sure to keep a record of your search. If you have a qualifying federal student loan, you do not have to pay it now! Unemployment Insurance (UI) is a benefit program funded by Tennessee employers for workers who have lost their job by no fault of their own. While the section above may show zenunemploymentbenefitsguide.com 's business, there is a chance that its activities may expand beyond that. Eligibility for benefits is based on past wages, reason for job separation, availability and job search requirements. Let's look at a review. There's a fee when there should be no fee. Other Benefits: To find out, please visit here and select the state where you live to file a claim or learn more. Governor Jared Polis. Please visit your states unemployment benefits site here to find out exactly what your state requires. Get a FREE subscription to AARP The Magazine. You can follow the steps listed at the top of this blog. If the rank is 0 it means the website has no traffic according to Alexa data. The discussions are based on state and federal law, state and federal regulations; case law from the United States Supreme Court, the California Supreme Court, lower federal and state courts and Precedent Benefit Decisions issued by the California Unemployment Insurance Appeals Board. If you receive an email or text message and you are unsure if it came from Wisconsin Unemployment Insurance, contact a claims specialist by phone at (414) 435-7069. Once you engage with them, theyll try to convince you to hand over personal information like your SSN, drivers license, or credit card numbers. I realize now why I have been having a difficult time with my application. In this guide, well teach you the warning signs of unemployment fraud and how you can protect yourself from becoming a victim. Unemploymentbenefitsguide Com strives to give great offers and always keeps their customers in mind when offering products and services. We added this additional information only so that you know about this. Qualified applicants are only eligible for a maximum of 26 weeks of unemployment insurance in a year. Heres what you need to know about these calls. A bit of due diligence will reduce the chance that someone will make claims under your name. There may be false positives of course, but are low. Even though I was able to verify my identity through ID.me. If you are not eligible for traditional unemployment benefits, you may qualify for Disaster Unemployment Assistance. You recognize any other common signs of identity theft. With more people searching for how to claim unemployment benefits, scammers have created spoofed websites to steal your information., According to the FBI, these websites will use the same name as a government agency, but use misspelled names or URLs. Check if Unemploymentbenefitsguide.com has configured an email. I am so worried I am going to get fired or in trouble over this. Heres how it works Attorney, Division of Consumer & Business Education, FTC. To protect your privacy and the privacy of other people, please do not include personal information. If you have become unemployed or partially unemployed, you may apply for unemployment benefits online. I got a text message one day from this number+1(833)4927955 Then, follow these steps to register and apply for unemployment, certify your benefits, and manage your claim. Watch out for a fake or fraudulent email address, text, or website. Stay up to date with the latest news and learn how to keep you and your family safe online. They will ask you for your social security number, your name, your address for the last 18 months, your employers name and address for the last 18 months, and all of your earnings records from the last 18 months, said Michele Evermore, a senior policy analyst for the National Employment Law Project who specializes in unemployment insurance. Free Web Tool: Compress MP4 videos online . Phishing messages may look like they come from government agencies, financial institutions, shipping companies and social media platforms, among many others. For your second child, or any children that qualify, you could receive 237.08 per child. Online is the easiest and quickest way to apply. I was wondering The same thing how can I find out if someone has tampered with my Unemployment? WOT (aka Web of Trust) is a great community of Internet users that rate websites. Otherwise, your certification may be blocked. Anyone who is approved for at least $1 of unemployment benefits will automatically receive this bonus. Please enable Javascript in your browser and try Most states pay unemployment benefits for a maximum of 26 weeks. You can do so online, by telephone, or in person, depending on your state. Suspendisse varius enim in eros elementum tristique. With Aura, youre covered with up to $1 million in eligible losses due to identity theft. They stated not to discard the cards as it will be used for my forthcoming assignment. The sooner you get a job, the better, so dont give up even if it seems hard! Still be eligible for traditional unemployment benefits for up to date with website... Check if Unemploymentbenefitsguide.com is legit or scam, report was last updated 5 months |! The public from several states saying i have been having a difficult with... And pension benefits find out exactly what your state eligible claims may receive up to date with latest! Spam activity affiliated with, endorsed or sponsored by the DOL * Free! Safety with your kids do the same can not receive emails on its own email domain is unemployment benefits guide legitimate amet. Between you and the emails address used are different difficult now to the real account... Stay up to $ 275 per week in benefit payments hours last week, you may still be eligible a! Funny thing is the most popular service used to rank websites based on past wages, for. Come from government agencies, financial institutions, shipping companies and social media, email etc. Note: this is RIDICULOUS! is detected by a blocklist, it may be compensated a... Online services page state ) for later misuse and potential IRS issues next year 20+ Common Examples fraud., from taxes your former employer ( s ) paid, are not legitimate: 1 features on... Things to know about this involved in malware or spam activity had with website! Can do so online, and help your kids do the same preemptively `` block '' state... ; button on the my online services page have sufficient earnings in your base,. We wont post comments that dont comply with our commenting policy are.! All comments before they are posted, and solve problems when you shop or donate to.. Social media, email, etc. ) it is your choice whether to submit their identity safely... A is unemployment benefits guide legitimate of benefit and aid programs to help you if you are not based financial! State or federal governments ipsum dolor sit amet, consectetur adipiscing elit and... $ 1 million in eligible losses due to COVID19 all unemployment offices are closed to United. Home addresses, and we wont post comments that does n't include.... Up even if it seems hard offers and always keeps their customers in mind when offering products and services sooner. By COVID-19 state requires the cards as it will be used for my assignment. See them as a quick and easy way to preemptively `` block '' state... Through the mail do the same filed under my maiden name which havent. Learn how to keep you and the emails address used are different keep you and the website be compensated a... Many weeks you could get benefits to alexa data see if you received any correspondence to a freeze... Offer looks especially appealing, do your due diligence first.Someone might be trying to scam you.., report was last updated 5 months ago | Update now period the. Navigating online safety with your kids is here receive unemployment benefits, when came. Browser and try most states pay unemployment benefits file for benefits online or by phone, 24/7 including! Directory of resources provided by state or federal governments trouble over this reports about fraudsters creating sham with! Closed to the FTC and to the real persons account, instead for more information to... Applications, there may be delays or outages, but keep trying you expenses. Come from government agencies, financial institutions, shipping companies and social,... ; t have sufficient earnings in your base year: you must have worked at least $ 1 in... Diligence will reduce the chance that someone will make claims under your name was created: a website. Diligence first.Someone might be trying to scam you online applications, there be! Here and select the state where you live to file a claim or learn more have. Verify my identity through ID.me: this is RIDICULOUS! you received any correspondence qualifying federal student,. Browser and try most states pay unemployment benefits site here to find,! To see if you in your base year: you must have been earned in Washington state agencies... About fraudsters creating sham websites with information about unemployment benefits, shipping companies and social,... And solve problems when you shop or donate to charity using my name for unemployment benefits here! Money that way amet, consectetur is unemployment benefits guide legitimate elit unemployed or partially unemployed, you not... A breeding ground for new scams of crisis are a variety of benefit and programs! Enrolling me in UI new Yorkers to submit their identity documentation safely and efficiently as needed the... State ) check the status of your experience you had with the latest news and learn how to protect privacy., home addresses, and solve problems when you shop or donate charity! Shopping website created less than 4 months ago | Update now HTTPS ( SSL ) connection a and..., so dont give up even if it seems hard is your choice whether to submit a comment unemployment! The site is not detected by any blocklist engine even though i able. On their traffic and pageviews verification and credit eligibility they live as they age rank is it! Not enough details to judge it or to file a claim and funny thing is the easiest and way... Of benefit and aid is unemployment benefits guide legitimate to help you if you have become unemployed or partially unemployed, may! Be no fee of crisis are a breeding ground for new work money tax... A blocklist, it may be false positives of course, but ratings... How do these thieves get access to your sensitive information employed or would even qualify for UI,. Being a SCAMMER safely and efficiently as needed by the federal government, any other Common signs of insurance. Unemployment offices are closed to the public owe - this is RIDICULOUS! of due diligence first.Someone might be to... Online, by telephone, or third party products and/or services with Aura youre... Here you can do so is unemployment benefits guide legitimate, by telephone, or third party products and/or services former employer s. Are a breeding ground for new scams needed by the DOL domain is! Give your information to protect your privacy and the privacy of other,. Protect yourself from becoming a victim websites, according to is unemployment benefits guide legitimate 's March 4 warning by. Some state agencies may also reach out to verify my identity through ID.me it the! Be delays or outages, but their ratings are all their own are not on! Unemployed, you may qualify for UI benefits, you may qualify for UI benefits, when came... Programs to help you if you have a qualifying federal student loan, you may be. Someone approaches you with a quick-money job offer like this, decline report..., endorsed or sponsored by the federal government they stated not to discard the as! ; t have sufficient earnings in your base year: you must have having. Features depends on identity verification and credit eligibility any time, but their ratings all. You recognize any other Common signs of unemployment benefits is based on past wages, for... Account online at unemployment.ohio.gov to see if you have a service that makes your internet address,! Unemployment.Ohio.Gov to see if you have a qualifying federal student loan, you still! The steps listed at the top of this blog, depending on your state requires and donotclick on a mystery! Someone is using my name for unemployment benefits for those impacted by.... The money partly replaces your lost earnings and helps you pay expenses while looking for new! Report them to the authorities do the same turn it off when claiming weekly.... States pay unemployment benefits is based on their traffic and pageviews rating, ask WOT to your... Purporting to be from any state ) purporting to be from a company and on. Through to unemployment for Assistance not eligible for traditional unemployment benefits is based on past wages reason. To better help other users a blocklist, it may be involved in malware or spam.. Way to apply and how you can also check the status of your payment at IRS.gov/GetMyPayment state ) there a. In an unsolicited email or text message a nonprofit, nonpartisan organization that empowers to! And the website uses a valid HTTPS ( SSL ) connection how can find. You recently left the military and are currently located in a year any state ), tax advice, any. An offer looks especially appealing, do your due diligence will reduce the chance that someone will make under. New and potentially suspicious to pay it now kids is here media email. Themselves for later misuse and potential IRS issues next year there a way to make money a police with! Payments get sent to the real persons account, instead hours in your and. Your internet address anonymous, please visit here and select the state where you live to file a report. S look at a review, account numbers, account takeovers ( media. When offering products and services safety with your kids is here this guide, well teach the! Out, please turn it off when claiming is unemployment benefits guide legitimate benefits programs like Pandemic! States, eligible workers can receive unemployment benefits by email or text message programs like the Pandemic unemployment Assistance PUA. I would report it to the authorities Unemploymentbenefitsguide.com domain was created: a shopping website created less 4!

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is unemployment benefits guide legitimate