Unemployment & Seasonal Layoffs

Construction work often comes in waves, with slow winters and gaps between projects. Unemployment insurance can replace part of your pay while you look for the next job.

• All workers
• State-specific

Basics

• Each state runs its own unemployment insurance program, funded by employer taxes.
• You generally qualify if you lost work through no fault of your own (layoff, end of project, lack of work), earned enough in the past year or so, and are able, available and looking for work.
• Benefits replace part of your wages, up to a state maximum, for a limited number of weeks.
• Quitting without good cause or being fired for misconduct can disqualify you, but rules vary.

Tips for construction workers

• File as soon as you’re laid off, online with your state workforce agency. Benefits usually don’t go back before you file.
• Keep filing your weekly or biweekly claims and job search records.
• Union members registered with a hiring hall can often meet the work-search requirement through the hall. Ask your local.
• Report any work and earnings during the weeks you claim.
• If you were paid on a 1099 but were really an employee, you may still qualify. See Misclassification.
• If you’re denied, appeal by the deadline on the notice.

Last updated: October 1, 2026