2013 CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Households with Savings Accounts

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Change in Consumers with Subprime Credit

Change in Average Credit Card Debt

Businesses & Jobs

Housing & Homeownership

Health Care

Education

CFED Assets & Opportunity Scorecard

Unemployment Benefit Eligibility

Reports & Graphics

Definition

States that have enacted reforms to modernize unemployment insurance, April 2012.

Description

To qualify for unemployment insurance benefits, workers must have enough qualifying wages and yearly work experience to meet the state's minimum conditions and have lost their job through no fault of their own. As unemployment insurance remains the first line of defense against hardship and the erosion of assets for working families, certain state reforms are necessary to bring the system more into sync with a changing economy and protect workers from antiquated eligibility rules.

States are assessed on the adoption of the following reforms:

  • Alternative base period: States can adopt a policy to use an alternative base period, which counts recent earnings when needed for the worker to qualify for benefits. Workers who have interrupted work patterns, including many in low-wage jobs, can benefit from this policy because the state requires fewer weeks worked to qualify for unemployment insurance.
  • Part-time worker coverage: States can provide unemployment benefits to part-time workers who are otherwise denied because they are not actively seeking full-time employment.
  • Compelling family reasons for leaving work: States can extend benefits to individuals who leave work for specific compelling family reasons, including domestic violence, relocation of a spouse, illness and disability.

As a part of the American Recovery and Reinvestment Act of 2009, Congress enacted the Unemployment Insurance Modernization Act (UIMA) on February 17, 2009. UIMA provided financial incentives for states to close the gaps in unemployment insurance eligibility. UIMA has resulted in a wave of states adopting many of the policy reforms mentioned above. For more information, visit the National Employment Law Project (NELP).

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Unemployment Benefit Eligibility

Does the state provide benefits for leaving work for compelling family reasons?
StateHas the state enacted
alternative base period?
Does the state offer
part-time worker coverage?
For domestic violence?For spouse relocation?For illness and disability?
Alabama           
Alaska  Yes    Yes  Yes  Yes 
Arizona      Yes  Yes  Yes 
Arkansas  Yes  Yes  Yes  Yes  Yes 
California  Yes  Yes  Yes  Yes  Yes 
Colorado  Yes  Yes  Yes  Yes  Yes 
Connecticut  Yes    Yes  Yes  Yes 
Delaware  Yes  Yes  Yes  Yes  Yes 
District of Columbia  Yes  Yes  Yes  Yes  Yes 
Florida           
Georgia  Yes  Yes       
Hawaii  Yes  Yes  Yes  Yes  Yes 
Idaho  Yes  Yes       
Illinois  Yes    Yes  Yes  Yes 
Indiana      Yes  Yes   
Iowa  Yes  Yes       
Kansas  Yes  Yes  Yes  Yes   
Kentucky           
Louisiana    Yes       
Maine  Yes  Yes  Yes  Yes  Yes 
Maryland  Yes  Yes       
Massachusetts  Yes    Yes     
Michigan  Yes         
Minnesota  Yes  Yes  Yes  Yes  Yes 
Mississippi           
Missouri           
Montana  Yes  Yes  Yes     
Nebraska  Yes  Yes  Yes  Yes  Yes 
Nevada  Yes  Yes  Yes  Yes  Yes 
New Hampshire  Yes  Yes  Yes  Yes  Yes 
New Jersey  Yes  Yes       
New Mexico  Yes  Yes  Yes     
New York  Yes  Yes  Yes  Yes  Yes 
North Carolina  Yes  Yes  Yes  Yes  Yes 
North Dakota           
Ohio  Yes         
Oklahoma  Yes  Yes  Yes  Yes  Yes 
Oregon  Yes    Yes  Yes  Yes 
Pennsylvania    Yes    Yes   
Rhode Island  Yes    Yes  Yes  Yes 
South Carolina  Yes  Yes  Yes  Yes  Yes 
South Dakota  Yes  Yes  Yes     
Tennessee  Yes  Yes       
Texas      Yes    Yes 
Utah  Yes         
Vermont  Yes  Yes  Yes     
Virginia  Yes         
Washington  Yes    Yes  Yes  Yes 
West Virginia  Yes         
Wisconsin  Yes    Yes  Yes  Yes 
Wyoming    Yes  Yes     

Source

Modernizing Unemployment Insurance: Federal Incentives Pave the Way for State Reform. Washington, DC: National Employment Law Project, 2012. CFED thanks Claire McKenna of the National Employment Law Project for providing updated 2012 data.

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