What would your state actually pay you if you lost your job tomorrow?
Enter your state and approximate annual income. This estimates your state unemployment benefit using that state’s own published formula — then shows the gap between that and your real monthly costs.
States calculate benefits off gross wages your employer reports — not take-home pay.
This state’s formula adds a per-dependent allowance.
Rent/mortgage, utilities, car payment, groceries — what actually has to get paid every month. Leave blank to use a $2,600/mo national benchmark.
Gap between what the state pays and typical monthly obligations (rent, utilities, car payment) — the space Job Loss coverage is built to fill.
Quick check before you continue
ASNA Job Loss coverage requires both to be eligible. If either isn’t true yet, save this page — you can apply once it is.
You’ll pick your plan (Good / Better / Best) on the next step.
This is an estimate, not an official determination.
State unemployment agencies calculate your actual benefit from your real quarterly wage records, which this tool doesn’t have access to (no one does but the state and your past employers). Use this to understand the ballpark and the coverage gap — not as a guarantee of what you’d receive. For an official figure, contact your state’s unemployment office directly.
State min/max benefit amounts, duration, and formulas sourced from the U.S. Department of Labor, Employment & Training Administration —
Significant Provisions of State UI Laws, effective January 2026.
Monthly figures are calculated as weekly × 52/12, since no state pays UI on a monthly basis.