Previous posts detailed the length of time and number of cases in the unemployment backlog in part 1, some of the mistakes by the Department that allow cases to be re-opened in part 2, and a place for stories and advice about how to find assistance in part 3.
job losses are now spiking both nationally and state-wide,
the ensuing loss of PUA benefits at the end of 2020 is a fiscal cliff for millions, and
continuing claims demonstrate that long-term job losses are becoming entrenched.
Wisconsin’s own jobs report for October 2020 reinforced these conclusions, as the state unemployment rate rose markedly because of losses in leisure and hospitality and the public sector.
The actual initial claims data indicates that the pandemic has created a systemic increase in the number of new initial claims being filed every single week.
Since the start of the pandemic, initial claims have leveled off to around 5x what was filed for the comparable week in 2019. There are two noticeable dips where the ratio dropped significantly down below five: first for the weeks 35-37 and again for the weeks 44-47. The reason for these dips, however, are quite different. In weeks 35-37, there was an actual decline in the number of initial claims being filed in 2020. In weeks 44-47, on the other hand, the drop in the ratio is not from a decline of initial claims in 2020 but from an increase in initial claims that were filed in 2019.
As Wisconsin still has winter, there are a host of industries (road construction, landscaping, recreation, and others) that lay off their workers on a seasonal basis, and so there is a steady rise in initial claims every year for these Wisconsin workers. As a result, this latest dip in the ratio does NOT represent an actual decline in initial claims in 2020. Rather, all that is happening is that the number of cases in 2020 is simply not rising enough to match the increases from 2019. All told, pandemic-related claims are still much higher than last year, as Wisconsin has experienced an increase of roughly 7x the initial claims from what was previously filed in 2019.
And, most of these 2020 claimants are seeing their initial unemployment claims denied. The percentage of regular unemployment claims leading to a first payment of benefits is actually down in Wisconsin from before the pandemic.
For the months of January 2018 through February 2020, there were 632,728 initial claims in Wisconsin, of which 245,558 led to first payments, a percentage of regular unemployment claims being paid of 38.81%.
Here is the monthly initial claims data for Wisconsin for the months of the pandemic:
So, during this pandemic, Wisconsin is actually paying out fewer claims than it did from before the pandemic. Less than one out of three initial claims are leading to a first payment, whereas before the pandemic nearly two our of every five claims was being paid.
For comparison, here are initial claims and first payment data during the pandemic for several other states:
ST Initial 1st Pay %
NC 1,452,638 700,687 48.24
MI 1,997,061 1,168,887 58.53
FL 3,298,791 1,578,803 47.86
IL 2,037,211 1,063,231 52.19
AR 412,425 179,558 43.54
PA 2,233,652 1,201,647 53.80
IN 1,322,840 553,568 41.85
OR 621,445 357,489 57.53
All of these claims being denied in Wisconsin has led to a staggering backlog in hearings.
Prior to the pandemic, appeal tribunals were issuing around 1,200 to 1,500 decisions a month. Here is what happened with the pandemic:
Month Pending Filed Decided
Oct 12,771 4,480 3,289
Sept. 11,052 4,414 3,063
Aug 9,655 4,860 3,236
July 6,719 4,442 4,083
June 6,309 3,307 3,363
May 6,296 4,922 3,724
April 5,090 6,034 2,492
March 1,520 1,952 1,565
In the last few months, more than 4,000 appeals of initial determinations have been filed every single month. Administrative law judges are now issuing more than 3,000 decisions these same months. But, they cannot keep up, and the backlog of pending cases is, at the end of October 2020, nearly 13,000 cases. If not a single appeal was filed after October 31st, it would still take around four months to clear the current backlog of cases that need a hearing.
For comparison, in Illinois, which has twice the number of initial claims that Wisconsin has, pending cases before an administrative law judge at the end of October numbered just 2,069. Pennsylvania has a backlog at the end of October of 3,950 pending cases — one-third of the backlog in Wisconsin — even though Pennsylvania has handled more than twice the number of initial claims than Wisconsin has.
Given the backlog of cases in Wisconsin, it is no wonder that folks should now expect to wait four to six months for their hearing. Because Wisconsin has kept every possible disqualification alive during this pandemic except for the four job searches a week and so is investigating any and all potential disqualifications — even issues going as far back as January 2019 — the system simply cannot keep up. The more people that are hired at the Department simply means more cases that have to be adjudicated.
So, if not approved for unemployment benefits soon after filing an initial claim, expect to wait several months or longer for a decision. And, if that initial determination does not go your way, expect to wait four to eight months for your hearing after filing your appeal.
All I can offer at the moment is the possible assistance described in part 3 of this series. Unemployment in Wisconsin truly is broken.
Note: The news article, however, continues to report the Department’s weekly claims data — 74,000 claimants — as the number of still outstanding claims. As many of the people who testified at the public hearing, those waiting includes those waiting for a hearing, which is a three to five month process right now (and getting longer). So, the actual number should be those who are waiting for a payment period. And, that number is at best 150,000 to 200,000.
Given that many of the issues have already been covered here, here are some links to those looking for answers raised at the hearing.
The Department’s general hostility to claimants
Numerous attendees indicated that Department staffers are hostile to claimants by always doubting what is being told to them, and that the whole process is simply dehumanizing. More than few attendees had to stifle tears in the midst of their testimony, in light of their anguish and desperation.
Questions cannot be answered, these attendees indicated, and answers when provided are too often contradictory. As one attendee described, the burden of proof is on her, and she is presumed to be attempting to scam the system until she can show by clear and convincing evidence that her claim for unemployment benefits is forthright.
The picture painted in this testimony is a Department no longer functioning as an unemployment agency but instead as a kind of welfare office trying to correct the “immorality” of claimants who want unemployment benefits rather than a job.
Numerous attendees described enormous delays of three to five months with their claims (see below for how long claimants can currently expect for their claims to be heard after appealing a denial).
Apparently forgotten by everyone is the Supreme Court decision in Cal. Dep’t of Human Resources Development v. Java, 402 U.S. 121, 91 S.Ct. 1347, 28 L.Ed.2d 666 (1971). Java concerned a hold placed on payment of unemployment benefits when an employer contested claimant eligibility. First, the court described the investigatory process:
A claimant, appearing at an unemployment insurance office to assert a claim initially is asked to fill out forms which, taken together, indicate the basis of the claim, the name of the claimant’s previous employer, the reason for his unemployment, his work experience, etc. The claimant is asked to return to the office three weeks later for the purpose of receiving an Eligibility Benefits Rights Interview. The issue most frequently disputed, the claimant’s reason for termination of employment, is answered on Form DE 1101, and the Department immediately sends copies of this form to the affected employer for verification. Meanwhile the employer is asked to furnish, within 10 days, ‘any facts then known which may affect the claimant’s eligibility for benefits.’ Cal.Unemp.Ins.Code §§ 1327, 1030. If the employer challenges eligibility, the claimant may then be asked to complete Form DE 4935, which asks for detailed information about the termination of claimant’s previous job. The interviewer has, according to the Local Office Manual (L.O.M.) used in California, the ‘responsibility to seek from any source the facts required to make a prompt and proper determination of eligibility.’ L.O.M. s 1400.3(2). ‘Whenever information submitted is not clearly adequate to substantiate a decision, the Department has an obligation to seek the necessary information.’ L.O.M. § 1400.5(1)(a). This clearly contemplates inquiry to the latest employer, among others.
The claimant then appears for his interview. At the interview, the eligibility interviewer reviews available documents, makes certain that required forms have been completed, and clarifies or verifies any questionable statements. If there are inconsistent facts or questions as to eligibility, the claimant is asked to explain and offer his version of the facts. The interviewer is instructed to make telephone contact with other parties, including the latest employer, at the time of the interview, if possible. L.O.M. § 1404.4(20). Interested persons, including the employer, are allowed to confirm, contradict, explain, or present any relevant evidence. L.O.M. § 1404.4(21).
The eligibility interviewer must then consider all the evidence and make a determination as to eligibility. Normally, the determination is made at the conclusion of the interview. L.O.M. § 1404.6(2). However, if necessary to obtain information by mail from any source, the determination may be placed in suspense for 10 days after the date of interview, or, if no response is received, no later than claimant’s next report day. L.O.M. § 1400.3(2)(a).
Java, 402 US at 126-7. Obviously, claimants in Wisconsin are reporting an investigatory process that is nothing like what is described here. Few claimants are having any contact with the Department adjudicators before their claims are denied. And, claimants then have to wait until a hearing and getting a hearing packet in the mail to learn why the Department actually decided to deny their unemployment benefits in the first place.
Note: Indeed, most claims denied in Wisconsin have nothing to do with an employment separation. Rather, the main reason are the claimants’ failure to satisfy Department mandated claim-filing requirements, as non-separation denials have sky-rocketed over the past decade, even as separation denials have declined to under 20% of all claims filed:
The Court then went on to explain why unemployment was started and how the requirement for paying benefits “when due” in federal law was set:
On the basis of 1922-1933 statistics, it was estimated that 12 weeks of benefits could be paid with a two-week waiting period at a 4% employer contribution rate. The longest waiting period entering into the estimates was four weeks, indicating an intent that payments should begin promptly after the expiration of a short waiting period.
Other evidence in the legislative history of the Act and the commentary upon it supports the conclusion that ‘when due’ was intended to mean at the earliest stage of unemployment that such payments were administratively feasible after giving both the worker and the employer an opportunity to be heard. The purpose of the Act was to give prompt if only partial replacement of wages to the unemployed, to enable workers ‘to tide themselves over, until they get back to their old work or find other employment, without having to resort to relief.’ Unemployment benefits provide cash to a newly unemployed worker ‘at a time when otherwise he would have nothing to spend,’ serving to maintain the recipient at subsistence levels without the necessity of his turning to welfare or private charity. Further, providing for ‘security during the period following unemployment’ was thought to be a means of assisting a worker to find substantially equivalent employment. The Federal Relief Administrator testified that the Act ‘covers a great many thousands of people who are thrown out of work suddenly. It is essential that they be permitted to look for a job. They should not be doing anything else but looking for a job.’ Finally, Congress viewed unemployment insurance payments as a means of exerting an influence upon the stabilization of industry. ‘Their only distinguishing feature is that they will be specially earmarked for the use of the unemployed at the very times when it is best for business that they should be so used.’ Early payment of insurance benefits serves to prevent a decline in the purchasing power of the unemployed, which in turn serves to aid industries producing goods and services. The following extract from the testimony of the Secretary of Labor, in support of the Act, describes the stabilization mechanism contemplated:
I think that the importance of providing purchasing power for these people, even though temporary, is of very great significance in the beginning of a depression. I really believe that putting purchasing power in the form of unemployment-insurance benefits in the hands of the people at the moment when the depression begins and when the first groups begin to be laid off is bound to have a beneficial effect.
Not only will you stabilize their purchases, but through stabilization of their purchases you will keep other industries from going downward, and immediately you spread work by that very device.’
Java, 402 US at 131-3 (footnotes omitted). Accordingly, the court held:
Paying compensation to an unemployed worker promptly after an initial determination of eligibility accomplishes the congressional purposes of avoiding resort to welfare and stabilizing consumer demands; delaying compensation until months have elapsed defeats these purposes. It seems clear therefore that the California procedure, which suspends payments for a median period of seven weeks pending appeal, after an initial determination of eligibility has been made, is not ‘reasonably calculated to insure full payment of unemployment compensation when due.’
Java, 402 US at 133 (footnote omitted). Notice that, for the court, “delaying unemployment compensation until months have elapsed defeats” the purpose of unemployment. So, these months-long delays in payment of unemployment benefits in Wisconsin is, under Java, a violation of federal law.
A few attendees spoke about having trouble getting benefits after being told to stay home because of concerns with Covid-19. Others talked about child-care problems created by the pandemic.
The main point of PUA benefits is the pandemic, and there are specific provisions that allow benefits in the following circumstances:
(aa) the individual has been diagnosed with COVID–19 or is experiencing symptoms of COVID–19 and seeking a medical diagnosis
(bb) a member of the individual’s household has been diagnosed with COVID–19
(cc) the individual is providing care for a family member or a member of the individual’s household who has been diagnosed with COVID–19
(dd) a child or other person in the household for which the individual has primary caregiving responsibility is unable to attend school or another facility that is closed as a direct result of the COVID-19 public health emergency and such school or facility care is required for the individual to work
These are all simple and obvious criteria. But, the Department is NOT applying this criteria in a simple, open, and straightforward fashion or contacting claimants with helpful inquiries that would allow the immediate payment of benefits. Rather, what is happening is that these claims are being heavily scrutinized for any discrepancy or misstatement that allow for a denial of benefits. So, folks end up having to appeal and wait. And wait. And wait some more for a now backlogged hearing process.
Note: In September, I indicated that the hearing process was then taking a month just to process an appeal of an initial determination. That delay is now around six weeks. The actual hearing is now taking another three to four months. In other words, getting a claim denied (which has been taking several months to begin with), will as of mid-November 2020 take another four to six months to correct. I know of claimants that have been waiting since March 2020 for their unemployment benefits, and many still do not even have a hearing scheduled.
And, for those that are getting their claims denied right now: after waiting eight months, you can expect to wait another four to six months for a hearing on your unemployment claim. Not good at all.
Language and technology barriers
A few attendees described the access barriers to claims-filing in Wisconsin. UIPL 02-16 (1 Oct. 2015) indicates that Wisconsin should have at a minimum more than one way to file a claim (phone, on-line, and in-person are the options) and that multiple languages need to be available when the working population depends on multiple languages.
Wisconsin for some years now has been in violation of these standards. Current claim-filing processes and questions are available here.
Again, in a state where broadband access is extremely limited, it makes absolutely no sense to have an on-line only claim-filing system. And, the fact that this system is inaccessible because of language barriers as well as to those with other disabilities have been longstanding problems.
SSDI and how to report eligibility for full-time work
One SSDI recipient testified about how she cannot work full-time and so was being wrongly denied when she answered a claims question truthfully by saying she cannot work full-time.
Obviously, she considered full-time work to be akin to 40 hours in a week. But, for unemployment purposes, full-time work varies from worker to worker.
As noted here, the question is legally wrong, as eligibility for full-time work is defined by how much work an individual is actually capable of doing. So, this attendee should have answered “yes” to being available for full-time work, if she could do what she was physically capable of, even if that work was only ten hours a week. As the question does not actually follow state law, however, it does not provide correct legal guidance.
Several attendees described being tossed back and forth between regular unemployment benefits and PUA benefits. Those approved for PUA benefits are now being told by the Department to repay those benefits because they potentially qualify for regular unemployment benefits.
This problem is one issue that is not unique to Wisconsin, as it is present in most states at the moment.
By law, PUA benefits are only supposed to be paid out if a claimant has no eligibility for regular unemployment of any kind (which includes PEUC and EB benefits, as well as regular unemployment benefits that could potentially exist in another state).
The Department, however, is doing little to nothing to educate claimants about these issues. In the midst of this pandemic and with no work or income in sight, folks are simply desperate for any kind of unemployment assistance and do not have the time or legal expertise to decipher the kind of support they are receiving — regular, PUA, PEUC, or EB — and when or how that support should switch over to another program.
But, the Department is making claimants responsible for all of this information by determining at some later date when and how an alternative benefit source should have been applied and demanding immediate re-payment of the thousands of dollars under the prior unemployment program/benefit.
This penalizing of claimants for not switching from PUA to EB or PEUC benefit programs at the right time by ordering repayment of all benefits shocks and confuses claimants who receive these notices and stifles the very goal of economic stimulus at the heart of these programs.
Yet, these repayment demands are essentially administrative accounting problems inherent with the state unemployment agency that ultimately is responsible for adjusting the source or category of an individual’s benefit payments.
Essentially, because the state is responsible for transferring the claimant from one benefit program to another, claimants should not be on the hook for repayments connected to these administrative accounting issues. Instead, states should be responsible for these administrative transfers themselves, and any amounts due because of states’ failure to act promptly on these issues should be forgiven as far as claimants are concerned. At the very least, the Department should be explaining that, for example: while PUA benefits need to be repaid, the claimant will instead receive regular unemployment benefits for the same weeks, resulting in no over-payment or an over-payment of just $X amount, which will be recovered in installments against future unemployment benefits paid out.
But, that kind of advice would probably be deemed as being too helpful.
This advice about how to get actual information about your claim and financial help should continue to be relied on.
For claimants, the Department’s portal continues to be less than useful except for two issues. See this post about how to get the two useful kinds of info — actual decision documents and payment benefit history — out of your portal.
Note: Do NOT ever conclude that your portal sets forth an accurate and historical record of activity relating to your claim. Department reports regarding your claim WILL change based on how the Department staffers characterize events, and so even claim approvals can “disappear” from your claim-history. Get PDFs when they appear in your document history or your benefit payment history and hand on to those documents. A year from now, the Department may deny, for instance, that you were ever approved for unemployment benefits and that you falsely claimed being laid off when your employer says you quit. If you did not retain that initial determination originally approving your claim for being laid off, you will no longer find that document when now being charged with fraud for claiming a layoff when you supposedly quit. Again, get PDFs of your unemployment documents and hang on to them for dear life. The Department, after all, has a profit incentive in turning the tables on you at some future date.
Note: for an explanation of all the different kinds of unemployment benefits connected to this pandemic, seethis lengthy table.
Numerous attorneys and claimants are reporting that the Department is denying most PUA benefit claims. And, the claims-filing data backs up that observation.
ST Initial Appl'ns First Paym'ts % Paid
WI 112,114 35,889 32.01%
NC 332,287 211,528 63.66%
MN 110,781 98,217 88.66%
FL 329,289 292,779 88.91%
IL 351,628 155,822 44.31%
MA 755,979 580,111 76.74%
NJ 657,341 490,282 74.59%
Source:TCF unemployment data explorer covering PUA claims filed April through September. Note, the Florida and Illinois PUA claims data is missing for August and September 2020.
As this data indicates, only one-third of PUA claims in Wisconsin are leading to an actual payment of PUA benefits. Other states are not only processing many more claims than Wisconsin, but they are also paying more of those claims. Massachusetts, a state generally recognized as doing well with PUA claims, has paid nearly 77% of 756,000 PUA claims filed in that state. New Jersey, a state saddled with an older mainframe system based on COBOL like Wisconsin, has paid nearly 75% of the 657,000 PUA claims filed in that state. Even in Illinois PUA claims fare better than in Wisconsin, as more than 44% of them have been paid.
To understand what is going on in Wisconsin, here are four examples of PUA claimants.
Example 1: Claimant does not qualify for regular unemployment because of insufficient benefit year earnings. But, job hours are reduced because of the pandemic, and he applies for PUA benefits because of those reduced hours.
Example 2: Claimant receives SSDI benefits and so is not eligible for regular unemployment. In early March 2020 (before any shutdown order), she quits her job because of egregious sexual harassment from employer and applies for PUA benefits. Normally, quitting a job because of sexual harassment qualifies a claimant for regular unemployment benefits, but she is ineligible for those because she receives SSDI benefits.
Example 3: Claimant has been working part-time for several years despite receiving SSDI benefits because of emotional disabilities. But, those emotional disabilities become worse and prevent regular work for most of 2019. Thanks to effective treatment and management, he begins looking for work again just before the pandemic strikes. Because of the pandemic, however, he cannot find work and applies for PUA benefits.
Example 4: Claimant who receives SSDI benefits approved for PUA benefits after a pandemic-related layoff from her employer. Later, when she returns to work and accrues two consecutive weeks of work, the Department declares her PUA claim is over, even though she is still working a reduced schedule because of the pandemic.
In two of these four examples, Wisconsin is denying the PUA claim for illegitimate reasons.
Example 1: loss of some work because of the pandemic
This claimant filed an application for PUA benefits because, he explained:
Job has experienced a decline in available hours because of the pandemic. I do not qualify for regular UI because my benefit year earnings are insufficient to establish a benefit year. Reduction in available hours has dropped from on average 30 per week to on average 12 per week.
Three months later, the Department approved this PUA claim in a determination dated July 24th. No PUA benefits were paid, however, because the Department indicated on his “portal” that his eligibility was being investigated because of a quit in 2019. Then, in a determination dated October 28th, his PUA claim was now denied because the claimant’s place of employment was NOT closed as a direct result of the Covid-19 public health emergency.
Note: This example of the portal NOT indicating what is going on with his claim is additional proof for why the claimant portal in Wisconsin is essentially useless to claimants in describing what actually is going on with their claim. To claimants, getting access to decision documents and benefit payment history is about the only useful features available to them on the on-line portal.
Obviously, what is going on here is that the Department is now re-investigating PUA claims to determine if those claims can subsequently be denied (as noted previously, the Department has a policy of re-investigating approved claims). Given how slow the Department has been to pay out claims, this re-investigation is leading to denials of the same claim before any unemployment benefits are ever paid out.
The other issue is why Wisconsin is even denying PUA benefits at all. Here is what Wisconsin now posts on its website FAQ for PUA benefits.
The federal CARES Act provision at issue is the list of specific pandemic-related job-loss reasons in Section 2102(a)(3)(A)(ii)(I)(aa)-(kk) of the CARES Act. Business closure is listed under sub-section (jj):
the individual’s place of employment is closed as a direct result of the COVID–19 public health emergency[.]
The initial determination denying eligibility, however, does NOT include sub-section (kk) as one of the applicable reasons for which PUA benefits could be approved (it stops at the business closure provision). Noticeably, this sub-section states:
the individual meets any additional criteria established by the Secretary for unemployment assistance under this section
The CARES Act and the relevant program letters explicitly provide that PUA benefits are available to those who certify being “unemployed, partially unemployed, or unable or unavailable to work” because of the pandemic. Section 2102(a)(3)(A)(ii)(I) (emphasis provided). So, partial unemployment is explicitly provided for in this statute.
In regards to this claimant’s specific circumstances — insufficient benefit year earnings — UIPL 16-20 Change 1 at I-6 provides (emphasis supplied):
21. Question: When an individual has insufficient wages (or no wages) during the PUA base period, how is the PUA WBA calculated?
Answer: If an individual has insufficient wages (or no wages) from employment or insufficient net income (or no net income) from self-employment in the applicable PUA base period to compute a WBA, the individual is entitled to the minimum PUA WBA.
Even with no wages in the base period, the individual must meet the requirements under section 2102(a)(3)(A)(ii)(I) of the CARES Act — he or she must be unemployed, partially unemployed, or unable or unavailable to work because of one of the COVID-19 related reasons. The individual must have an attachment to the labor market and must have experienced a loss of wages and hours or was unable to start employment following a bona fide job offer.
This broad language led states like Massachusetts to include specific PUA eligibility for those who had their hours reduced as a result of COVID-19.
Q. My hours have been reduced. Can I collect benefits under PUA?
A. If you are working fewer hours due to COVID-19 and it has resulted in a loss in income, and you are not eligible for regular unemployment benefits, you may be eligible for PUA.
Finally, the Department also seems to be ignoring Disaster Unemployment Assistance (DUA) regulations (an irony, given how the Department originally asserted that DUA regulations allowed the state to deny PUA benefits to SSDI recipients). Section 2102(f) of the CARES Act specifically states:
RELATIONSHIP BETWEEN PANDEMIC UNEMPLOYMENT ASSISTANCE AND DISASTER UNEMPLOYMENT ASSISTANCE. — Except as otherwise provided in this section or to the extent there is a conflict between this section and section 625 of title 20, Code of Federal Regulations, such section 625 shall apply to this section as if —
(1) the term “COVID–19 public health emergency” were substituted for the term “major disaster” each place it appears in such section 625; and
(2) the term “pandemic” were substituted for the term “disaster” each place it appears in such section 625.
And, DUA regulations define a week of unemployment to include:
any week during which the individual is totally, part-totally, or partially unemployed. . . . A week of partial unemployment is a week during which the individual works less than regular, full-time hours for the individual’s regular employer, as a direct result of the major disaster, and earns wages not exceeding the maximum earnings allowance prescribed by the applicable State law.
Finally, Wisconsin is applying a conception of business closure that changes with the circumstances. Schools that go virtual are considered closed even though they are still teaching the same number of students. But, businesses like restaurants that partially close so that only outdoor dining was offered or which only provide take-out only offerings are not considered closed at all. If the PUA benefits are supposed to be available under explicit statutory language regarding partial unemployment, then partial closures that led to partial unemployment under sub-section (jj) allows for PUA benefits.
So, in this question of federal law — not state unemployment law — Wisconsin is NOT following that federal law. Where other states are approving PUA benefits, Wisconsin is denying PUA eligibility despite what federal law requires.
The claimant in this example, according to federal law, is eligible for PUA benefits because he has experienced a partial loss of work directly connected to the pandemic, as spelled out in UIPL 16-20 Change 1, DUA regulations that control where there is a conflict between the CARES Act and DUA regulations, and a pandemic-related business closure that has reduced his hours of work.
Example 2: non-pandemic loss of work
This claimant quit a job for non-pandemic related reasons that would normally constitute good cause for receiving regular unemployment benefits. But, because she also receives SSDI benefits she is at this moment NOT eligible for regular unemployment benefits. So, until the discriminatory ban on regular unemployment benefits is overturned, PUA benefits may be her only option.
UIPL No. 16-20 Change 2 (21 July 2020) at I-5 for Q12 addresses the situation of an employee quitting a job and possibly being eligible for PUA benefits.
Stated another way, if the individual is disqualified from regular UC because of the prior separation issue, but is currently unable or unavailable to work for one of the listed COVID-19 related reasons in Section 2102(a)(3)(A)(ii)(I) of the CARES Act, then the individual may be eligible for PUA.
But, because this claimant is ineligible for regular unemployment benefits not because she quit but because she receives SSDI benefits, this UIPL guidance does NOT apply to her. Rather, she is one of the classes of employees who are eligible for PUA benefits because they are ineligible for regular unemployment benefits, like Americorps volunteers or church employees.
UIPL No. 16-20 Change 1 specifically provides that full-time students who lose part-time work related to the pandemic ARE eligible for PUA benefits. Q28 at I-7. So too are Peace Corps and Americorps volunteers eligible for PUA benefits if they are “no longer volunteering because their volunteer sites are closed due to COVID-19.” Q29 at I-8.
As a result, she needs to show that she has a loss of work connected to the pandemic. Unfortunately, since she quit her job because of sexual harassment and not the pandemic, she is NOT eligible for PUA benefits. Her loss of work is NOT related to the pandemic, and so she cannot qualify for PUA benefits despite it being her only option at the moment.
Example 3: cannot find work
Here, the claimant has returned to the labor market just when the pandemic started. Unfortunately, that lack of work along with a lack of pandemic-related job loss means he is NOT eligible for PUA benefits.
14. Question: If an individual becomes unemployed for reasons unrelated to COVID-19, and now is unable to find work because businesses have closed or are not hiring due to COVID-19, is he or she eligible for PUA?
Answer: No. An individual is only eligible for PUA if the individual is otherwise able to work and available to work but is unemployed, partially unemployed, or unable or unavailable for work for a listed COVID-19 related reason under Section 2102(a)(3)(A)(ii)(I) of the CARES Act. Not being able to find a job because some businesses have closed and/or may not be hiring due to COVID-19 is not an identified reason.
UIPL No. 16-20 Change 2 at I-6.
Moreover, Pennsylvania provides the following guidance on this very issue:
Q. I have never worked before. Am I eligible for PUA? A. You may be eligible for PUA even if you have never worked before and
- you were scheduled to commence employment and do not have a job or are unable to reach the job as a direct result of the COVID-19 public health emergency; OR
- your job offer was rescinded because of COVID-19; OR
- you have become the breadwinner or major supporter for a household because the head of the household has died as a direct result of COVID-19.
Simply entering the workforce and having trouble finding work is NOT enough to qualify for PUA benefits. There still needs to be some pandemic-related reason for why the claimant has a loss of work in some way.
Note: As an independent contractor, however, he could be eligible for PUA benefits. As explained in UIPL No. 16-20 Change 1 for Q42 at I-11, “an independent contractor who experiences a significant diminution of work as a result of COVID-19” may be eligible for PUA benefits.
Example 4: a partial return to work
This claimant is the converse of what happened in the first example. After a complete layoff and several weeks of no work, the claimant is haltingly returned to work. Once two weeks of consecutive work occur, however (the weeks ending 7/4/2020 and 7/11/2020), the Department concludes that the claimant’s PUA claim is over and all payments after those weeks are held up, even through the claimant continues to experience numerous weeks of reduced work. This benefit payment history details that work history.
The initial determination denying PUA eligibility for this claimant has the exact same wording as the denial for the claimant in the first example.
The fundamental problem here, as discussed above, is that PUA benefits are explicitly available for a partial loss of work and there is no statutory provision or advisory letter setting forth a timeline for returning to work and cutting off PUA benefits. The Department appears to be making up a two weeks of work criteria for disqualifying someone.
UIPL 16-20 Change 1 at I-11 specifically states that eligibility is a weekly issue:
44. Question: Is PUA eligibility determined on a weekly basis like DUA?
17. Question: Under DUA, an individual is no longer eligible for benefits when the conditions caused by the disaster no longer exist. When does an individual’s eligibility for PUA end?
Answer: To be eligible for benefits, the individual must meet the requirements to be a covered individual under section 2102(a)(3)(A) of the CARES Act, including that the person must be unemployed, partially unemployed, or unable or unavailable to work because of a listed COVID-19 related reason in Section 2102(a)(3)(A)(ii)(I) of the CARES Act. As discussed in Question 45 of Attachment I to UIPL No. 16-20, Change 1, eligibility is determined on a weekly basis and the individual must certify for an identified COVID-19 related reason each week to receive payment. The individual ceases to be eligible when he or she no longer meets the requirements to be a covered individual in a given week.
UIPL 16-20 Change 2 at I-8.
There simply is no reason for why the Department is cutting off PUA eligibility because of a partial return to work.
Out of four examples here, the Department is violating federal law regarding PUA benefits in two of these examples.
The second example, while within what federal law allows, also demonstrates how morally and legally bankrupt the ban on regular unemployment for SSDI recipients is. Here, a woman victimized by sexual harassment cannot collect regular unemployment benefits because Wisconsin is denying those benefits based on her disability. She is essentially being victimized twice, once by her employer and again by Wisconsin.
So, a public hearing in the midst of this pandemic is nothing to be excited about. In light of the pandemic, this hearing is split across two days and takes place via webex, a difficult on-line conferencing tool that is great in corporate environments but a pain to use across numerous platforms and technologies, especially where broadband access is limited. Here, for example, is the help Department offers for the toll-free number.
Today’s session was less than remarkable. Besides myself, there were about 25 observers and 12 witnesses (a 13th never managed to get her computer audio working, a common issue with webex). In lieu of providing basic information about the claim-filing process or even some sympathy to those describing their frustration, the Department’s representatives maintained that they could provide no information in response to such queries, even general queries, and was solely there to listen to public testimony.
And, if participants did not connect on right at 2pm (the scheduled start of today’s hearing, which was supposed to last until 4pm), they may have found no connection whatsoever. The Department abruptly ending the public hearing at 2:49pm when there no more speakers who had not yet testified.
Note: There does NOT appear to be any legal basis for ending a public hearing simply because no one from the public is currently in attendance. In-person public hearings continue for the entire scheduled time, as participants may well have planned to arrive at a certain time rather than appear immediately at the beginning. By ending this hearing prematurely before the scheduled ending time of 4pm, the Department violated its own notice for this meeting.
You can still register for the session tomorrow, Nov. 10th, from 4:30-6:30pm.
Do you want to know the questions you will be asked when filing an unemployment claim in Wisconsin?
Unfortunately, Wisconsin does NOT provide those question beforehand to claimants. Wisconsin does NOT even any longer provide those questions in the Handbook for Claimants. Compare this 2010 handbook with the current version.
Other states do provide these questions to claimants. They even explain how to answer these questions. For example: Connecticut, Illinois, New Jersey, and PUA claim in New York. In Massachusetts, you can even go through the claim-filing process for PUA benefits without a user-id just to see what the system is like.
Through an open records request and some sleuthing on my part, the Department has finally produced what guidance it currently has.
Note: Previous requests to the prior administration for this information were denied. So, kudos to the current administration for making this information available and starting the process of making the claim-filing process more open and understandable.
As you can see, the claim-filing questions for regular unemployment benefits — both the initial claim and the weekly certification claim — are extensive, being 60 or more pages in length.
The weekly certifications for PUA benefits are also lengthy, being 29 and 35 pages in length themselves. The initial application for PUA benefits is only 6 pages, since little to no explanation of the questions and options is provided.
Initial unemployment application for regular unemployment benefits in Spanish
Initial application for Pandemic Unemployment Assistance (PUA) in Spanish
Initial application for Pandemic Unemployment Assistance (PUA) in Spanish
Weekly certification for PUA self-employed claims in Spanish
Weekly certification for PUA non-self-employed claims in Spanish
Certification for Lost Wage Assistance (LWA) benefits in Spanish
Note: from my recollection, the weekly certification for regular unemployment benefits in Spanish is new. I do not think these forms existed prior to October 2020. This LWA benefits payment announcement indicates that Spanish continues to be an after-thought.
Other states with easier to use claim-filing processes have been hit hard by identity theft issues.
Wisconsin has not seen a comparable surge in such cases. But, the problem is still happening here to some extent, and a Fox6 report indicates that it can be near impossible to fix once it happens.
Fischer filed for unemployment insurance online, as the state encourages. As a result, her banking information was in her unemployment portal. She says investigators told her the “unknown imposter or imposters” changed her banking information several times so the money would go to them.
When Fischer first reached out to FOX6, her case had been caught up in adjudication for weeks and she had been unable to access a single unemployment payment.
* * *
After speaking to FOX6, Fischer says the state released some of her unemployment money to the correct account. However, investigators tell her it could take two years to repair the identity fraud damage. She is still in debt, and is now receiving notices that someone set up an unauthorized bank account in her name.
This kind of difficulty in getting benefits paid out after an identity theft are common.
However the identity theft happens, the Department still generally presumes you are responsible for your claim-filing until you prove otherwise. For instance, a client came to me after the Department charged him with fraud for receiving unemployment benefits under fraudulent circumstances. So, I ended up sitting across from program integrity staffers who grilled my client like he was a criminal under interrogation for claims he could not have physically received.
Department records indicated that someone other than my client changed the address to which his unemployment checks were being sent to a place where my client never lived (he was living in another city at the time). I pointed out that issue to the interrogator. This program integrity investigator, however, thought my client was in cahoots with the person who apparently stole his login credentials and wanted him to confess to a conspiracy with the unknown person who filed fake unemployment claims in my client’s name.
Note: The details of what happened — checks sent to an address where my client did not live — were known to the Department at the start. Those records indicated when address changes were made to his unemployment account (by someone pretending to be him and calling the Department up). Not until a specific request for those records did my client actually learn how the “theft” of unemployment benefits had occurred, as the Department refused to tell him why it initially was accusing him of unemployment fraud. All he knew is that he never filed the claims and never received the money from those claims.
As indicated in the Fox6 report, the Department has instituted some systems to make automated attacks more difficult. But, those preventative tactics do little to stop identity theft issues (where the login credentials are already in the possession of someone else). The Department’s main mechanism to discourage filing unemployment claims by identity theft has been to make the claim-filing system difficult to begin with. As noted in the Fox6 report, instituting some form of two-factor authentication should be a priority. But, that kind of security is, so far, not available in Wisconsin.
So for now, all Wisconsin residents need to be cautious with unemployment, even if NOT filing any claims at the moment. The Department maintains an updated list of fraud alerts. All claimants should be checking this list on a weekly basis.
Another useful tip: Always use a distinct, separate password for every on-line account you have.
Even if not filing a claim for unemployment benefits, connect to your unemployment portal or call the regular claim hot line at 414-435-7069 or 844-910-3661 or the PUA hot line at 608-318-7100 to inquire about any benefits paid in your name. For help printing out your benefit payment history from the on-line portal, seethe relevant section of this post.
Finally, if you suspect someone has stolen your identity for filing an unemployment claim in your name, as soon as possible call the fraud hot line at 800-909-9472 to report that suspected identity theft.
Not much to say about the reporting by the Verge on the disaster that is FoxConn in Wisconsin. The picture presented in this article is of vaporware: no actual product plans were ever in place for anything in Wisconsin and the company has struggled since to come up with something.
Still, I do wish I could have raced some of those golf carts around the empty warehouse. That sounded fun.
The sad news is that politics continues to divide on reality. Empty buildings, nothing being manufactured, and an utter failure to even hire a minimum of 520 jobs (when the factory should be employing at least a 1000 now if it was legit; and it was expected to have 2080 employees at the end of 2019 on that path to 13,000) still does not matter to those who supported this project.
Terry Gou’s response continues to promise the world to the politicians who play ball with the company. At least good con men realize when the jig is up.
A billion dollars in land and infrastructure spending has been wasted on some empty buildings.
The pandemic rages on, and unemployment remains an economic lifeblood for hundreds of thousands in Wisconsin.
Yet, unemployment has also been a dangerous option for some time now, because the Department considers any claim-filing mistake to be fraudulent. When a mistake is discovered, the Department presumes the mistake was intentional, and the claimant must then explain why that mistake was actually not intentional and just an accident.
The Department considers any apology for a mistake, an admission that you lacked awareness or knowledge of the unemployment issue, or a failure to look up the relevant information in the claimant handbook or the Department website as an admission of guilt. Despite the statutory requirement that unemployment concealment (aka fraud) must still be intentional Wis. Stat. § 108.04(11)(g)(1), the Department mandates that claimants have “a duty of care to provide an accurate and complete response to each inquiry made by the department in connection with his or her receipt of benefits” Wis. Stat. § 108.04(11)(g)(2).
By this same law, Wisconsin does not allow physical or mental disabilities to excuse a claim-filing mistake (unless the claimant has provided specific notice to the Department of that disability in some not yet provided mechanism) while also mandating that claimants have a responsibility to read all information the Department makes available on its website or during the on-line only claims-filing process. Id. In this way, Wisconsin uses one part of state statutes to over-ride another part — that the mistake be intentional in the first place — in order to charge concealment with almost every claim-filing mistake made.
Note: In 2016, the Department re-wrote this section of unemployment law to reflect its practices in pursuing concealment. The Department, however, failed to remove the requirement that concealment still be an intentional act. So, notwithstanding its other changes, a factual finding of intent to defraud is still needed for a charge of unemployment concealment. Domingo Ramos, UI Hearing Nos. 16606402MW and 16606403MW (23 Feb. 2017) (applying new concealment definition, Commission finds that claimant’s job search mistakes were not intentional and so not concealment).
And, here is an expert report, describing how misunderstandings over who is the liable employer or over confusion over misleading questions establish by law that the claim-filing mistakes are unintentional.
And, here is a run-down of the numerous reasons for why concealment should not be found and which the Department has ignored and continues to ignore.
In other words, it is obvious that the Department is NOT following its own law in charging concealment as zealously and as much as it has been doing. The Department ignores this law, moreover, because it can. Claimants have to appeal the initial determinations that charge concealment, and then usually appeal decisions of an administrative law judge who follows Department guidance rather than the law on this issue.
One person I know of failed to report a yoga class she taught on her weekly claims after being laid off from her regular job. She was paid for those yoga class six months after teaching them: $30 a class for 12 classes. So, when she was paid she then contacted the Department about what she should do. The Department charged her with concealment because she failed to report her yoga class wages when she earned them, even though reporting wages when received is NOT fraudulent. Waoh-Tobin v. Banana Republic, UI Hearing No. 16602900MW (18 October 2016).
The kicker is that her failure to report that $30 in wages from teaching a yoga class was inconsequential to her unemployment claim. Under Wisconsin’s partial benefits calculator, the first $30 in wages is NOT counted against the unemployment benefits you receive. So, her mistake literally had zero impact on her weekly unemployment benefits.
But, because the Department charged concealment, she had to pay back her entire weekly benefit amount of $315 a week for 11 weeks (she received no unemployment benefits during her waiting week), plus a 40% administrative penalty, plus a forfeiture of future unemployment benefits — a benefit amount reduction — of $630 a week for 12 weeks. In other words, a $30 mistake for 12 weeks ($360 in toto) that has no actual affect on her weekly benefits, for the purposes of concealment, leads to:
$3,465 concealment penalty
$1,386 administrative penalty
$7,560 forfieture of future unemployment =
$12,411 she needed to repay
But, the combination of all of these penalties is the real story. Here is a table of the amounts the Department has assessed for concealment (based on the Department’s annual fraud reports).
As a percentage of the unemployment benefits being paid out, concealment has become a significant portion of those benefits. Non-fraud over-payments have been around 2% of unemployment benefits paid out for the years 2011 thru 2019. But, over-payments connected to fraud significantly jumped in 2013 when new penalties were introduced and were 9.37% of all benefits paid out in 2014. It is no wonder that the fraud over-payments assessed declined over time after 2014, as folks caught in the concealment trap for their claim-filing mistakes probably stopped filing claims altogether.
Note: After 2015, the Department started using all debt collection tools at its disposal, including levies of bank accounts, liens on cars and real estate, intercept of tax refunds, and even wage garnishments. In late 2018, the Department also reversed the order of how it collected from unemployment benefits. Previously, the Department only applied a benefit amount reduction to unemployment benefits after the concealment and administrative penalties were completely repaid. Now, the Department applies the benefit amount reduction to unemployment benefits first, because it can only collect that over-payment through unemployment benefits. The concealment and administrative penalties can be collected through all other available mechanisms, even when the claimant avoids filing for unemployment benefits.
Incredibly, all the fraud charging did little over time to actually curb fraud or even prevent or discourage mistakes. The percentage of non-fraud over-payments to benefits paid out has remained relatively consistent during these years: from a high of 2.22% in 2011 to a low of 1,74% in 2016. As such, it appears that mistakes are relatively constant even as the claim-filing process has undergone major changes (from being a phone and in-person system in 2011 to an on-line only system starting in 2017). So, it appears that “fraud” is largely a product of Department discretion rather than any actual description of claimants intentionally filing false unemployment claims.
Data on unemployment collections indicates how successfully the Department has “recovered” these amounts from claimants. Collections for fraud as a percentage of benefits paid out jumped to over 2% in 2012, approached 3% in 2013, and was over 4% thereafter (hitting 5.24% in 2016) until 2019, when it dropped to just 3.66%.
The ratio of fraud to non-fraud over-payments was roughly 1-to-1 in 2011, but then began climbing and was more than 2-to-1 in 2015, 2016, and 2017. Hence, “fraud” collections increased and remained high even as the benefits being paid out plummeted. Furthermore, the penalties and collection costs going to the Department only declined slightly after 2016 (an increase from 2015 even as benefits paid declined by nearly $100 million) and was still at $1.7 million in 2019.
These numbers reveal that the Department in its discretion charges fraud to keep its own coffers filled. Like a police officer who is ordered to issue so many speeding tickets a day, the Department is now charging fraud as a departmental imperative rather than trying to assist claimants to make the claim-filing system easier to use.
As of October 5th, the Department reports that 937,378 initial claims have led to 527,897 claimants receiving $3,862,512,543 in PUC, PEUC, PUA, and regular unemployment benefits. That $3.8+ billion already dwarfs the nearly $2.1 billion that was paid out in 2011 for 445,538 claimants for the entire year.
Year Claimants $ Paid
2007 332,982 908,240,298 (only regular UI)
2008 386,574 1,243,700,322 (regular UI and start of EUC benefits)
2009 566,353 3,166,852,114 (regular UI and EUC)
2010 530,886 3,118,412,271 (regular UI and EUC)
2011 445,538 2,076,607,917 (regular UI and EUC)
2012 366,829 1,571,815,129 (regular UI and EUC)
2013 312,325 1,283,637,389 (regular UI and EUC)
. . .
2018 130,710 ~372,300,000 (regular UI)
2019 129,888 ~375,900,000 (regular UI)
With the pandemic and the now hundreds of thousands of new claimants and billions of dollars available for the taking, I fear that the Department is licking its chops in anticipation of how much it can recoup from these unsuspecting folks.
Update (15 Oct. 2020): Thanks to a financial report today and a January financial report, I now have 2018 and 2019 data on how many claimants received unemployment benefits. In these years, the number of claimants and the amount received was around one-third of what existed in 2007. Wow.
In other words, from 2007 to 2018 the unemployment system has changed so much in the intervening years that the number of people managing to receive unemployment benefits and the amount of benefits entering the state economy had been cut by two-thirds.
Now, the unemployment system is supposed to respond to a pandemic-driven economic crisis. Yet, as of the October financial report and the Oct. 13 press release, of the 952,108 initial claims filed, only 546,875 have received regular unemployment benefits totaling $1,229.9 million. This data means that over 400,000 initial claims have NOT been paid.
And, in case you were wondering: the trust fund balance as October 1st is around $1.26 billion.
The Century Foundation has released an extensive report on October 5th about the efforts to modernization unemployment systems. This report is timely because, first, unemployment has become a major part of the economic response to the pandemic. After all, 695,000 new claims in October 1982 was the previous highest number of initial claims filed in a week. With the pandemic, new claims exceeded 6.6 million for two weeks in a row and have been more than 2 million every week since.
Note: While the backbone for Wisconsin’s unemployment system is an old mainframe, Wisconsin has in fact instituted at the front end a great deal of the modernization efforts done in other states (and Wisconsin has gone even further than many other states). For instance, Wisconsin instituted a detailed on-line only initial application and weekly certification process. So, while Wisconsin has not truly modernized its claim-filing system, it has incorporated many, many of the changes connected to modernization at the front end that employees see and deal with when filing their unemployment claims.
As this report indicates, modernization has hardly been the solution for delays in processing unemployment claims. Here are some key findings:
This analysis shows a systematic connection between modernization and the increasing rates of denials of those who apply for benefits, but not a statistically significant difference in state recipiency rates. In other words, modernization has presented additional challenges for those who make the effort to apply for benefits.
Once the analysis is limited to those workers who have applied for UI benefits, the impacts of modernization are stark. Among modernized states, the number of unemployment insurance denials increased by 16.7 percent from 2002 to 2018.
Denials relating to work search and availability to work are driving a wedge between the states. The increase in denial rates among modernized states is driven by one type of denials — nonseparation denials. Nonseparation denials typically occur when an unemployed worker is found to have failed to meet the law’s requirement for being able and available for work and searching for a job. Nonseparation denials include cases when a worker fails to comply with ongoing eligibility requirements for UI like certifying their weekly work search activities or failing to report to a required appointment with a job counselor. Modernized systems have brought significant changes to the determinations of eligibility for these questions, including the ability to ask more detailed questions to claimants about their availability to work and more regularly request names connected with job search activities. As we learned from the stakeholder feedback in our case studies, these online systems can be more difficult to navigate than the phone-based systems that they replaced.
Report at 37 (footnote omitted, emphasis in original).
Modernization clearly impacts the quality of nonmonetary determinations, as sixteen out of the twenty states analyzed did worse than the national average. In addition, just over half of modernized states also experienced a decline in their ability to move through all the steps of the determination process and deliver a payment on time. Future modernizing states should be aware that changes to businesses processes that came along with modernization can slow state payment times during and can lead to declines in quality.
In the main, modernization has led to making unemployment more difficult and inaccessible to workers:
While not in the report, the authors indicate several additional issues that all of us should pay attention to in regards to modernization of unemployment claims-filing:
Even after modernization, claims filed by phone continue to occur at a consistent rate. So, phone systems remain vital even with new kinds of on-line claim-filing have been put into place (despite the lack of broadband access in this state, Wisconsin ended the option to file claims by phone in 2017).
Modernization should ensure 24/7 access to the new claim-filing system as well as ensure equivalent access to that system through smart phones.
Modernization should create mechanisms for claimants to upload documents.
Password reset protocols need to be updated so that there are options before calling in to a live person for that reset.
Set up call back and chat technology for claimants to rely on when filing their claims so that they can get their questions answered.
Translate on-line materials into commonly spoken languages in the state.
Evaluate administrative processes and requirements that slow benefit payments.
Engage stake holders in the design process rather than designing around the agency’s own concerns and agenda.
Allow for extensive testing and redesign of options before roll out.
Provide multiple channels of communication and institute media campaigns to explain the new system.
Staff up call centers as the new system rolls out and questions arise.
The goal here, in short, is to create the kind of customer service that supports employees who file unemployment claims and makes the on-line system actually easier to use and less mistake-prone.
After logging in to your web portal for unemployment benefits at https://my.unemployment.wisconsin.gov/, here are some helpful guides about how to navigate this portal and find relevant information.
Viewing initial determinations
Unemployment issues are at first decided via initial determinations, so these documents are what you need to read carefully when they are issued (as noted already, delays in processing unemployment claims are monumental right now, so do not expect these initial determinations to be issued soon after filing your unemployment claim).
To see the initial determinations connected to your claim, do NOT click on the View ALL Determinations option that appears on the main screen (this option only takes you to a listing of determination that may or may not be complete and which may or may not be available to you).
Rather, go to the menu under My Information and select the Document History option:
You will then see all the documents the Department currently has available to you:
To see the actual determination, select the View option next to the document described as a determination to see a PDF version of that document. The creation date will tell you when the Department issued that document or initial determination. Here is a description of some of the key information on an initial determination:
Viewing what benefits have been paid (or not paid)
To see which weeks have been paid unemployment benefits, go to Print Benefit Summary under My Information.
You will then be prompted for how to create this benefits summary display: web page or PDF.
Select the Creat a PDF document option and select the checkbox for By choosing to create a formal summary, I acknowledge that it will include personal information such as my name and Social Security Number.
Then, click on the Create Document button. A PDF document detailing your benefit payments will appear. On the second page of that PDF document, you will something like the following for your own benefits payment history:
Note: Select PDF document rather than HTML page (aka, a web page), as the web page version will include a DWD watermark that makes much of the page unreadable.
Note: You do NOT need a printer to see this document. The PDF document should be viewable on any computer or smart phone.
Sending a PDF document via e-mail
Do NOT send any PDF documents via e-mail message that have confidential information like social security numbers or bank account information.
On a smart phone: when viewing the PDF, click on the share button and then select the e-mail option. Make sure to then write in an e-mail address and a subject.
On a desktop: download the PDF document, start up your e-mail program, and then attach the PDF to a new e-mail address that you are sending to someone (make sure to fill out a subject and to whom the message is being sent).