Colorado Unemployment Benefits: Everything You Need to Know

From Eligibility Criteria to Claiming Procedures: Your Comprehensive Guide

In Colorado, changing economic landscapes and unprecedented events, such as the recent global pandemic, have impacted the job market, leading many residents to experience unemployment. Understanding the state’s unemployment benefits system is essential, which serves as a vital safety net during such challenging times. This guide provides a comprehensive insight into the Colorado unemployment benefits system, offering support and clarity to those navigating job loss and financial uncertainties. By demystifying the system’s intricacies, we hope to enable individuals to make educated decisions and retake control of their lives. As work dynamics evolve, being well-versed in such resources becomes indispensable for every Coloradoan.

Eligibility Criteria for Colorado Unemployment Benefits

To qualify for unemployment benefits, several key criteria must be met. Firstly, the circumstances leading to unemployment should not result from your actions or decisions. This implies that being laid off, facing reduced working hours, or being terminated for reasons beyond your control is acceptable. However, if the termination resulted from gross misconduct, you would be ineligible for benefits. Secondly, you must be able to work – both physically and mentally – and should be actively pursuing employment opportunities. This involves being available for full-time roles and keeping a well-maintained record of your job search endeavors as proof of your commitment to finding work. Financially, there’s a set benchmark: you should have earned a minimum of $2,500 during your ‘base period.’ This period refers to the first four previous five completed calendar quarters leading up to your claim initiation. Meeting these requirements sets you on the path to potential unemployment benefits. The precise amount disbursed hinges on factors like your average weekly earnings and the number of dependents, with the maximum benefit amount capped at $781 weekly.

What is the significance of this?

For instance, consider a worker who suffered significant injuries from a car accident in late 2019. Due to the resulting physical trauma, a doctor might limit their work hours, prompting them to apply for underemployment benefits. Fast forward, and this individual faces potential layoffs from the Coronavirus pandemic. All these reasons must be meticulously detailed in the application, as maintaining consistency is crucial in legal matters and ensuring accurate representation. Similarly, imagine a worker who gets terminated after blowing the whistle on their employer’s malpractices. Such an individual could rightly apply for unemployment benefits, given that their termination was not a result of their own actions. The challenge intensifies as the COVID-19 era poses additional hurdles in securing a new job. In both scenarios, it’s paramount to list all factors leading to one’s unemployment status comprehensively. It’s also essential to remain vigilant, as…

How to Apply: The Application Process

To ensure you receive your entitled federal benefits, begin by applying for unemployment insurance with the Colorado Department of Labor and Employment (CDLE). Their “Extended Benefits Program” offers a straightforward flow chart to assist in determining your eligibility, potential benefits, and guidance on claim filing. You’ll find a prominent yellow “File a Claim” button on the same page to kickstart your application process. Due to the enormous number of daily applicants, particular application hours have been established:

For last names starting with letters A-M:

  • Tuesday or Thursday: 8 am – 4 pm
  • Saturday: 12 noon – 4 pm

For last names starting with letters N-Z:

  • Monday, Wednesday, and Friday: 8 am – 4 pm

A crucial tip: Be Detailed, Accurate, and Concise.

When completing the application, be ready to detail all the reasons leading to your unemployment. If your information is extensive, the CDLE site recommends typing it out in advance, then copying and pasting it during the application to ensure clarity and precision.

Claiming Weekly Benefits

Here are the steps on how to claim weekly benefits in Colorado:

  • Navigate to the website of the Colorado Department of Labor and Employment(
  • Click on the “Unemployment Benefits” tab.
  • Click on the “Certify for Benefits” link.
  • You will need to log into your account. If you don’t have an account, you can create one.
  • Once you are logged in, you will need to answer a series of questions about your work search activities and your availability for work.
  • Once you have answered all the questions, you must submit your certification.

You can also claim your weekly benefits by phone by calling 1-800-347-6243.

Sunday at midnight is the deadline for claiming your weekly benefits. You will not be paid for that week if you claim your benefits after the deadline.

The Benefit amount I will receive from Colorado Unemployment

In Colorado, the sum of unemployment benefits you’re eligible to receive hinges on two primary factors: your average weekly earnings and the number of dependents in your care. The ceiling for these benefits stands at $781 weekly.

The formula to determine your weekly benefit is: Weekly benefit amount = (Average weekly wage × 0.6) + (Dependents × $50).

The average weekly wage refers to the mean of your earnings during the four highest-earning quarters out of the preceding five completed calendar quarters before you initiate your claim. On the other hand, the term ‘dependents’ encompasses children under 18 or a spouse who is incapacitated and cannot work.

For clarity, consider this scenario: with an average weekly wage of $500 and two dependents, the calculated weekly benefit would be $300 (60% of $500) plus $100 (2 dependents multiplied by $50 each), totaling $400.

While the state of Colorado sets the weekly benefit cap at $781, if your computed average weekly wage goes beyond this, the benefit you receive will be, at most, $781. You can use the Colorado Department of Labor and Employment’s unemployment benefits estimator tool, available at, to get a clearer idea of your eligibility.

How to Submit a Colorado Unemployment Benefits Appeal

Should your unemployment claim face rejection, you are granted a 20-day window to challenge this decision. An appeal can be initiated by forwarding a written letter to the Appeals Branch.

Upon registering your appeal, a dedicated hearing will be set up to evaluate the evidence you and your previous employer presented. This session will be overseen by a Hearing Officer, who, after deliberation, will convey their verdict in writing. If the outcome remains unsatisfactory, you can escalate the matter to the Industrial Claim Appeals Office (ICAO) within another 20-day days.

For a more detailed walkthrough of the unemployment journey, visit the CLDE’s official website. Here, you can kickstart a claim, familiarize yourself with prevailing eligibility criteria and benefit metrics, delve into the nuances of the appeals mechanism, and access various other resources.

Frequently Asked Questions (FAQ)

How long can I collect unemployment benefits?  

A recent executive order has increased the maximum benefit duration from 26 weeks to 39 weeks. Additionally, the customary one-week waiting period has been waived. Furthermore, the CARES Act augments the benefit period by 13 weeks, enabling recipients to claim unemployment benefits for 39 weeks.

Please note that processing your claim might take up to six weeks. During this period, you must remain engaged by registering with your local workforce center and ensuring you request payment bi-weekly.

How does the CDLE calculate my weekly benefit amount?

The two most important elements influencing your unemployment compensation in Colorado are your average weekly earnings and the number of dependents. The average weekly pay is calculated by taking the average of your wages for the past four full calendar quarters preceding your claim. Dependents, on the other hand, refer to children below 18 years of age or a spouse who is incapacitated and unable to work. For instance, with an average weekly wage of $500 and two dependents, the calculation becomes $450 plus an additional $50 for each dependent, totaling $600. However, it’s essential to note that Colorado caps the weekly benefit amount at $781. So, even if your calculated weekly wage exceeds this limit, you will only receive up to $781. Consider using CDLE’s online unemployment benefit estimator tool to get a tailored estimate of your potential benefits.

I’ve been denied unemployment benefits. What’s the process for appealing this decision?

In Colorado, if your application for unemployment benefits is declined, you’re entitled to challenge the verdict. Here’s how the appeals process unfolds:

Start by lodging an appeal within 20 calendar days from when the Notice of Determination was dispatched. You can undertake this step through the MyUI+ online portal, postal mail, or fax. If the initial review doesn’t resolve your appeal, you’ll be slated for a hearing with an Administrative Law Judge (ALJ). This hearing is set up at a venue that’s easily accessible to you. After the hearing, the ALJ will decide within a 60-day window. You’ll be granted the benefits should the ALJ’s decision be in your favor. However, if the outcome is not to your advantage, you can escalate your appeal to the Industrial Claim Appeals Office (ICAO). It’s worth noting that the ICAO’s determination is the final call in the process and holds authoritative weight.

Are tips factored into the computation of my jobless benefits?

Your employer should include tips in the earnings reports since tips are considered wages. You’ll receive a notice outlining your documented earnings upon filing a claim. It’s essential to scrutinize this information meticulously and adhere to the provided guidelines if any discrepancies arise. When stating your pay rate, incorporate your hourly wage and the average tips you receive. Depending on your occupation, you can break this down hourly, daily, or weekly.

Can I work fewer hours at my current job, a side job, or a “gig” and still receive unemployment benefits?

In Colorado, you can earn up to a quarter (25%) of your weekly unemployment benefit without any deductions from your full payment. Beyond this threshold, the Colorado Department of Labor and Employment (CDLE) will decrease your unemployment benefit by a dollar for every additional dollar you earn.

Consider this scenario: If you previously worked 30 hours weekly at a restaurant, which has dwindled to 10 due to Colorado’s Stay-At-Home Order, you can still draw a weekly unemployment benefit. This amount can be supplemented by up to 25% from other income without deductions. If, for instance, your weekly unemployment benefit is $400, you can retain this entire sum and also earn an extra $100 (which is 25% of $400) from your restaurant job, bringing your total weekly income to $500 ($400 from unemployment and $100 from your job). However, if you earn $300 at the restaurant in a week, you’ve exceeded the 25% threshold by $200. As a result, your $400 unemployment benefit will be slashed by $200.

Additional Resources and Support in Colorado

Colorado Workforce Centers: Found across the state, these centers provide various services for job seekers, including job listings, computer & internet access for job search, resume workshops, and career counseling.

Colorado PEAK: A website that allows Coloradans to search for and apply for medical, food, monetary, and child care assistance programs.

Connect for Health Colorado: Colorado’s official health insurance marketplace where you can shop, compare, and buy health insurance plans.

Energy Outreach Colorado: A non-profit that assists with energy bills, offering programs like the Low-Income Energy Assistance Program (LEAP) to help families pay their heating bills.

Colorado Crisis Services: If you or someone you know is in a crisis or needs help dealing with one, this resource connects you with experienced crisis counselors who can assist you over the phone or in person.

Colorado Legal Services: For those who need legal advice or representation but can’t afford it, this organization provides free legal services in civil cases to state residents who meet income eligibility guidelines.

Colorado Child Care Assistance Program (CCCAP): This program provides financial support to low-income families who are working, seeking employment, or in training, as well as families enrolled in the Colorado Works program who need child care services to attain self-sufficiency.

Colorado Food Assistance (SNAP): SNAP, formerly known as food stamps, offers low- and no-income people food-purchasing assistance.

211 Colorado: A comprehensive source for community resources, 211 is both a telephone helpline and website that connects people with vital resources for health, human services, and other needs.

Temporary Assistance for Needy Families (TANF): Colorado Works is a federal program that provides short-term financial assistance to needy families.

Local Food Banks and Pantries: Many communities have food banks or pantries that provide free food to needy residents. Organizations like Feeding Colorado offer directories of these resources by region.

Rental and Housing Assistance: Various non-profits and government programs in Colorado provide emergency rent and housing assistance to prevent homelessness and help families maintain stable housing.

Colorado Low-income Taxpayer Clinic: Helps Coloradans resolve disputes with the IRS and provides education about taxpayer rights and responsibilities.

Mental Health Colorado: Advocates for preventing, diagnosing, and treating mental health and substance use disorders.

It’s essential to be aware of these resources and know how to access them. Even if you’re currently not in need, understanding what’s available can help you or someone you know in the future. Remember that seeking assistance is a sign of strength, not weakness.

Summing Up!

Navigating Colorado’s unemployment benefits system is vital for workers encountering employment uncertainties. This system acts as a crucial financial bridge during challenging periods, emphasizing the importance of understanding its nuances. It’s essential for individuals to leverage the comprehensive resources available, like the CLDE website and community forums, to simplify the process and optimize the benefits received. Amidst a shifting job landscape, staying informed and proactive is more than beneficial—ensuring one is adequately supported during professional adversities is necessary.