Unemployment Benefits: What to Know If You’re Laid Off

Losing a job can be overwhelming—emotionally and financially. Whether it’s due to downsizing, restructuring, or economic shifts, layoffs are unfortunately common. The good news? If you’ve been laid off, you may be eligible for unemployment benefits, which can help bridge the gap while you search for your next career opportunity. 

Can you get unemployment if you’re laid off? 

Yes, in most cases, you can get unemployment if you’re laid off. Unemployment insurance is designed to support individuals who lose their jobs through no fault of their own—which includes layoffs, company closures, or reduced hours. 

To qualify, you generally need to: 

• Have earned a minimum amount in wages over the past 12–24 months. 
• Be able and available to work. 
• Actively search for a job each week. 
• Be a U.S. citizen or have legal work authorization. 

How to apply for unemployment benefits in Ohio, Kentucky, and Indiana 

Each state manages its own unemployment system. Here’s how to get started: 

Ohio 

• Apply online at: unemployment.ohio.gov or call: 877.644.6562. 
• You’ll need your Social Security number, recent employment history, and banking info for direct deposit. 
• Eligibility includes working a minimum number of hours and earning a minimum amount each week in your base period.  

Kentucky 

• File online at: kcc.ky.gov or call: 502.564.2900. 
• You’ll need to verify your identity through ID.me and provide employment details from the past 18–24 months. 

Indiana 

• Visit: https://www.in.gov/dwd/ to apply. 
• Indiana also uses ID.me for identity verification and requires weekly job search activity to maintain eligibility. 

What is unemployment insurance? 

Unemployment insurance (UI) is a state-run program funded by employer taxes. It provides temporary financial assistance to eligible workers who are unemployed through no fault of their own. Benefits typically last up to 26 weeks, though this can vary by state.  

How to avoid unemployment fraud 

Unfortunately, unemployment fraud is on the rise. It can take many forms—from identity theft to individuals collecting benefits while working under the table. 

1. Stay alert for suspicious activity  

Unemployment fraud often begins with stolen personal information. Criminals use data from previous breaches to file fraudulent claims, sometimes before victims even realize their identity has been compromised. Watch for unexpected mail, emails, or social media messages asking for personal details. If you receive such a request, it's a red flag. 

2. Shred sensitive documents 

Paper documents can be a goldmine for fraudsters. Shred any financial or insurance paperwork before disposal to reduce the risk of dumpster diving—a tactic criminals use to find personal information.  

3. Report fraud quickly 

If you suspect you're a victim of unemployment fraud, report it to the relevant department for your state (see next section). Acting quickly can help minimize the damage and prevent further misuse of your identity. 

Where to report unemployment fraud 

• Ohio. Report identity theft or fraud at ODJFS Fraud Portal or: jfs.ohio.gov/report-fraud. 
• Kentucky. Submit an anonymous tip or report identity fraud online.  
• Indiana. Visit: in.gov/dwd/indiana-unemployment/fraud/ to report fraud or identity theft. 

Navigating unemployment can be stressful, but understanding your rights and resources makes a big difference. If you’ve been laid off, don’t wait—apply for benefits as soon as possible. And stay vigilant to protect yourself from fraud. 

At General Electric Credit Union, your financial security is our top priority. We encourage you to explore our Money Minutes blog, Security Center, and other fraud prevention resources to stay informed and protected. Together, we can help safeguard your finances and give you peace of mind.