Unemployment benefits have stopped for millions of Americans. These programs can help


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People are waiting in line in Louisville, Kentucky, while the Kentucky Labor Office reopened 13 regional career centers for personal unemployment insurance services on April 15, 2021.

Amira Karaoud Reuters

Reinforced federal unemployment insurance established during the coronavirus pandemic ended this weekend, after almost a year and a half.

That means about 9 million people will lose all benefits, and by another 3 million, weekly checks will be reduced by $ 300, according to an estimate by The Century Foundation.

The end of federal unemployment insurance programs is coming as the delta variant of the coronavirus continues to threaten economic recovery from the pandemic and extensive quarantines to combat the disease last year.

At the same time, several other pandemic-era programs have recently expanded and could offer help to those still out of work, or compensated part of the loss of additional money. Of course, many of these programs have special eligibility requirements, so not all unemployed Americans will be able to access them.

Here’s what unemployed Americans could rely on in the coming months.

1. Protection against state emigration

Although the Supreme Court overturned the latest extension of the federal eviction ban, landlords in some states may still be protected local moratoriums.

Countries such as California, Illinois, New Mexico and New York have eviction bans that provide tenants with protection for several more months.

In addition, those threatened with eviction should apply rental assistance if not already. Although the federal moratorium on evictions no longer exists, just applying for state aid could help renters stay longer in their homes – states like Minnesota, Nevada, New York, Oregon i Washington State adopted such rules.

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2. Nutrition

Beginning in October, benefits through the Supplemental Nutrition Assistance Program, or SNAP, will increase for the first time since 1975. The average adjustment will be approximately 25% higher than pre-pandemic levels.

The average increase will be $ 36.24 more per person per month or about $ 1.19 more per day, according to the U.S. Department of Agriculture. Prior to the coronavirus pandemic, the average fee was about $ 121 per month.

“It’s pretty important for families with low-income kids,” he said Lauren Bauer, a fellow in economic studies at the Brookings Institution and associated with the Hamilton project.

For those already receiving SNAP benefits, no additional action is needed in October to increase profits. If you may be eligible for SNAP but are not currently receiving it, you can apply for assistance through your country of residence.

There are other nutritional benefits to help children. Above In the summer, electronic transfers of eligible child benefits continued. With the arrival of autumn, schools will offer universal free meals to all children, and many more children will benefit than usual, Bauer says.

3. Pause in repayment of student loan

U.S. Department of Education in August extended for the last time the moratorium on the payment and interest of federal student loans, until 31 January.

This means that about 42 million borrowers with student debt will not have to pay most of the federal loans by next February and will not see their balance increase.

Meanwhile, people who are worried that they will not be able to continue paying in February or pay as much per month as they should, should now apply to their student loan service providers. They may be able to change their payment plans, which means they would owe less and less each month.

4. Improved tax credit for children

For those with eligible children, a child tax credit could be an additional relief upon termination of unemployment insurance. In August, the IRS and the U.S. Treasury Department made about $ 15 billion in monthly advances for 61 million children.

It was the second of six payments from the increased child tax credit, which began in July. The improved credit increased the existing benefit to $ 3,000 from $ 2,000 and added a $ 600 bonus for children under 6 for the 2021 tax year.

Half of the loan is distributed to families in monthly installments from July to December – for families who receive full credit it will be $ 300 per month for children under 6 and $ 250 per month for children aged 6 to 17.

The average payment in August was $ 428, according to the IRS and the Treasury. Families should receive four more monthly payments by the end of the year, and will receive the other half of the loan when they file tax returns for 2021 next year.

More help on the table

There may be more help in the coming months. The A $ 3.5 trillion budget proposal published by Democrats would expand many social protection programs and provide more relief to Americans.

This would be of particular benefit to low-income workers and those with children. If adopted, the budget would expand the children’s tax credit, income tax revenue, child and dependent child tax credit, and paid family and medical leave, according to the draft plan.

It would also extend universal preschool age to children ages 3 and 4, extend childcare benefits for working families, and make community education free.

Of course, progress in legislation continues as Democrats rush to write details that could change.

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