Advertiser Disclosure

🏦 Get funded today with one of our top 5 lenders for 2021

Pandemic Unemployment Assistance (PUA) & Federal Pandemic Unemployment Compensation (FPUC) Guide For The Self-Employed

  • 18 comments
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Shannon Vissers

Shannon Vissers

Shannon is a writer and editor based in San Diego, CA. Shannon attended San Diego State University, graduating in 2005 with a BA in English. She is the former editor-in-chief of SteelOrbis, an online trade publication. Shannon has also published articles for LIVESTRONG.COM, eHow, Life'd, and other websites. She has been with Merchant Maverick since 2015, writing about POS software, small business loans, and financing for women entrepreneurs.
Shannon Vissers
Leave a comment

18 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Renee

    Hi I have a question I work full time at my job on January 25th I’m losing my client due to the pandemic n lack of work due to it plus I own part of a business that’s been closed due to the pandemic when we had to close the doors on our business due to this pandemic I couldn’t get pua off of it due to I have another job once I lose that job January 25th will I then qualify for unemployment off my full time job plus pua off my business since I’ve lost both incomes

      Jessica Dinsmore

      Hi Renee,

      It sounds like your circumstances should qualify you for assistance, but the best way to know is to contact your local employment office.

        Austin

        I wasn’t approved with Alabama, but immediately after all and everyday I’m reading that I’m eligible. But I have not been paid any week from my September (early sept. too,)till now . I understand that I didn’t get this far until November, but not that I’m still not being paid for now. Says my account number is wrong and pending papers. I finally got 1040se, 1040C, 1040f, 2 days ago but nothing has changed. I’m about to be homeless again And it is probably my ADHD, paperwork combo. Some please give me directions. No one has ever answered the phone. Thanks and God please bless whom ever holds my hand through this. Please email terraceholi@gmail.com, not sure if I could find this site again. Thank you!

          Jessica Dinsmore

          Hi Austin,

          Definitely use the links in this post and keep trying to get in contact with your local unemployment office. Don’t give up until you get answers!

            Debbie Welsh

            Hello, I am a small business owner and did receive the first $600 thru July. However, I did open and am working but business has died. My beacon account now says my PUA is on hold because I am employed. Should I be drawing a salary, I never used too. Am I still entitled to the $176/week even if I do work at my shop? Thanks really appreciate any advise. Debbie Welsh

              Jessica Dinsmore

              Hi Debbie,

              This question is best answered by your state’s unemployment department. I’d definitely suggest giving them a call to find out what you can and can’t do to remain in compliance. Best of luck to you!

                Chris

                My wife and I have a self-employed home remodeling business and have been greatly affected by COVID-19. We’ve been receiving PUA but recently have had a small contract come in. If the business gets paid a deposit for materials, and we are not supposed to start for another 4 weeks and we can’t pay ourselves until we finish the job, can we still claim? And once we do finish, if we deposit the rest of the money into the business and still can’t afford to pay ourselves so the business has some sort of bank balance, so we still claim no money earned? Thanks for you time and help with this.

                  Jessica Dinsmore

                  Hi Chris,

                  I wouldn’t think you’d need to claim the material deposit, but you should definitely check with your local employment department to be sure.

                    Donna

                    I have been collecting unemployment in Michigan during Covid as a self-employed individual who owns a small business in the hospitality industry. I can no longer stay afloat due to the hard hit that the travel industry has be subjected to. If I sell the business soon, will I still be able to collect the PUA unemployment insurance? I do not consider it “quitting my job”. I am desperately trying to get out from under a situation caused by the Pandemic.

                      Jessica Dinsmore

                      Hi Donna,

                      I would imagine that it would absolutely be covered, as it’s directly related to COVID. But, I’d suggest contacting your local UI office for confirmation. Good luck to you!

                        Steven

                        I’m self employed just starting out and I didn’t make any money in 2019 so I don’t have any earned income to report am I still eligible for P. U. A.

                          Jessica Dinsmore

                          Hi Steven,

                          I did a quick google search and it looks like individuals with insufficient or no income are eligible for the minimum PUA amount in their state. You can find this information in the Q&A section C.

                            C. Lee

                            My State PUA says to report Net Self Employment; the “difference between income minus expenses” to be reported as net earnings. Is self-employment tax considered an expense for PUA?

                              Jessica Dinsmore

                              Hi C,

                              Without knowing your state, we really can’t say for sure. I’d suggest checking with your state’s employment department for more clarification.

                                Janice Johnson

                                Very helpful information for understanding CARES Act, FPUC and PEUC. Thanks very much!

                                  MICHAEL

                                  Michael you should get 10,000 a wait a card or a pua pin

                                    Deb Clark-Wyles

                                    Question: I have been self-employed for almost 40 years. In 2 or 3 of those years my expenses exceeded my income by between $500 and $2000.l Once of those years was 2019. I still worked almost full time, but as a realtor had more expenses that year than I made. So I had a net negative income. Will I still qualify for the minimum PUA since I worked? Or do I have to have made money in 2019?

                                      Jessica Dinsmore

                                      Hi Deb,

                                      Yes, you should still qualify. As we understand it, most anyone who can’t get state UI but is able and willing to work (and is out of work due to coronavirus) is eligible.

                                      Leave a Reply

                                      Your email address will not be published. Required fields are marked *

                                      Your Review

                                      Comment moderation is enabled. Your comment may take some time to appear.
                                      Please read the "User Review and Comment Policy" before posting.

                                      Share

                                      Get Started With Featured Pick! 🏆

                                      is our current featured vendor in this category.




                                      Get Started

                                      Learn more today with no commitment.

                                      Featured Offer: We Recommend QuickBooks 🎉

                                      Take it for a spin with a free trial.

                                      Try QuickBooks Today

                                      Exclusive Promo: Get your first month for $5 ✨

                                      We love Fattmerchant's predictable pricing and excellent service for credit card processing.

                                       

                                       

                                      Get your first month for only $5 when you sign up with our link. Find out how much you can save on payment processing today.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Brex Corporate Card for Startups 🏆

                                      Brex Corporate Card for Startups is one of our top picks for business credit cards!

                                       

                                       

                                      Brex Card has $0 in annual fees. For a limited time get 50,000 rewards points when you spend $1000 with Brex.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend PaymentCloud 🏆

                                      PaymentCloud is one of our top picks for credit card processing!

                                       

                                       

                                      We love PaymentCloud's predictable pricing and excellent service.

                                      Get Started

                                      Get started with no commitment today.

                                      Exclusive Promo: Get your first month for $5 ✨

                                      We love Fattmerchant's predictable pricing and excellent service for credit card processing.

                                       

                                       

                                      Get your first month for only $5 when you sign up with our link. Find out how much you can save on payment processing today.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Donorbox 🏆

                                      Donorbox is one of our top picks for Donation Systems!

                                       

                                       

                                      Donorbox is a versatile, feature-rich, and easy-to-use donation management system that can help you attract more recurring donors. Get started today for free.

                                      Get Started

                                      Get started with no commitment today.

                                      ⭐️ Featured Promo! ⭐️

                                      Sign up now and qualify for a limited time deal!

                                      Standard Plan: One month free ($29.95 value)
                                      Plus Plan: Two months free ($159.90 value)
                                      Pro Plan: Three months free ($899.85 value)

                                      Learn More

                                      At BigCommerce

                                      Exclusive Promo: Get your first month for $5 ✨

                                      We love Fattmerchant's predictable pricing and excellent service for credit card processing.

                                       

                                       

                                      Get your first month for only $5 when you sign up with our link. Find out how much you can save on payment processing today.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Helcim 🏆

                                      Helcim is one of our top picks for payment processing!

                                       

                                       

                                      Helcim has exceptional service and an advanced platform that we highly recommend for businesses in Canada and the US. Get three months free when you sign up with Helcim through our links!

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend PaymentCloud 🏆

                                      PaymentCloud is one of our top picks for credit card processing!

                                       

                                       

                                      We love PaymentCloud's predictable pricing and excellent service.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Lendio 🏆

                                      Lendio is one of our top picks for PPP/Business Financing!

                                       

                                       

                                      Lendio is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find PPP/SBA loans alongside other financing options.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Lendio 🏆

                                      Lendio is one of our top picks for PPP/Business Financing!

                                       

                                       

                                      Lendio is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find PPP/SBA loans alongside other financing options.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend PaymentCloud 🏆

                                      PaymentCloud is one of our top picks for credit card processing!

                                       

                                       

                                      We love PaymentCloud's predictable pricing and excellent service.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend ADP Payroll 🏆

                                      ADP Payroll is one of our top picks for Payroll Software!

                                       

                                       

                                      Our reviewers like ADP Payroll for its advanced employee management, strong payroll features, and great customer support.👍

                                      For a limited time, get three months free when you sign up via our links!

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Lightspeed POS 🏆

                                      Lightspeed POS is one of our top picks for Point of Sale!

                                       

                                       

                                      We highly recommend Lightspeed POS for small businesses looking for a feature-rich, tablet-based point of sale system.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend TouchBistro 🏆

                                      TouchBistro is one of our top picks for Restaurant POS!

                                       

                                       

                                      Our reviewers praised TouchBistro for a well-designed UI, easy to use format, competitive monthly cost, and numerous integrations. Sign up today to see it in action.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Fundera 🏆

                                      Fundera is one of our top picks for SBA loans!

                                       

                                       

                                      Fundera is a free-to-use marketplace that allows you to compare lenders side-by-side. Easily find SBA 7(a)loans alongside other financing options.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend ShippingEasy 🏆

                                      ShippingEasy is one of our top picks for shipping software!

                                       

                                       

                                      ShippingEasy got a 5-star review from our team. Get a 30-day free trial to access discounted USPS and UPS shipping rates and print labels in no time. No credit card required.

                                      Get Started

                                      Get started with no commitment today.

                                      We Recommend Square POS 🏆

                                      Square POS is one of our top picks for Point of Sale!

                                       

                                       

                                      Square is free to use and currently includes a free card reader at sign-up!

                                      No credit card is required to create your account.

                                      Get Started

                                      Get started with no commitment today.


                                       

                                      Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

                                      Sign up for the Maverick Newsletter

                                      • We occasionally send out emails with special offers.