When Do Unemployment Benefits End?

The extra $300 a week unemployment compensation ends Sept. 6 nationally, but some states are ending sooner.

Anna HelhoskiJun 17, 2021
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As the nation pivots from pandemic emergency to economic recovery, certain federal benefits, including unemployment benefits, are set to expire.

Federal unemployment benefits that supplemented state unemployment benefits and provided jobless benefits to the self-employed are set to expire at the end of September. But that’s at the federal level; some deadlines could be even sooner, depending on your state.

Unemployment benefits, along with renter and homeowner eviction moratoriums; the federal student loan forbearance; special health insurance enrollment periods; and other benefits for small businesses and families are set to expire in the latter half of 2021. Here are the dates to keep in mind:

Unemployment benefits

This program supplements state unemployment benefits with an additional $300 per week.

End date: Up to 53 weeks through Sept. 6, 2021. However, some states will end the federal benefits on their own schedules.

June 12: Alaska, Iowa, Mississippi, Missouri.

June 19: Alabama, Idaho, Indiana, Nebraska, New Hampshire, North Dakota, West Virginia, Wyoming.

June 26: Arkansas, Florida, Georgia, Ohio, South Carolina, South Dakota, Texas, Utah.

June 27: Montana, Oklahoma.

July 3: Maryland, Tennessee.

July 10: Arizona.

At least four states — including Arizona, Montana, New Hampshire and Oklahoma — are cancelling the federal unemployment compensation and offering cash bonuses for workers who take a job.

This program provides unemployment assistance to those not eligible for regular unemployment insurance such as self-employed, freelance and gig workers.

End date: Up to 79 weeks through Sept. 6, 2021. However, some states will end benefits sooner.

June 12: Alaska, Iowa, Mississippi, Missouri.

June 19: Alabama, Idaho, Indiana, Nebraska, New Hampshire, North Dakota, West Virginia, Wyoming.

June 26: Arkansas, Georgia, South Carolina, South Dakota, Texas, Utah.

June 27: Montana, Oklahoma.

July 3: Maryland, Tennessee.

This program provides an additional $100 per week to self-employed, freelance and gig workers who also earned income via traditional W-2 employment. The $100 is on top of regular unemployment benefits and the additional $300 in Pandemic Unemployment Compensation. Not all states provide this benefit.

End date: Sept. 6, 2021.

Homeowner and renter eviction moratoriums

This relief program for renters forbids eviction for nonpayment due to the coronavirus emergency.

End date: June 30, 2021. 

This relief program for homeowners provides a moratorium on single-family foreclosures and real estate owned evictions.

End date: July 31, 2021.

The mortgage forbearance program enables homeowners with federally guaranteed mortgages (FHA, VA and USDA loans only) to request a payment forbearance for up to six months in three-month increments.

End date: June 30, 2021.

Student loan borrower payment pause

Federal student loan borrowers do not have to make payments on their student loans during this forbearance period. During this time, no interest builds on loans and there is a halt on all collection activities.

End date: Sept. 30, 2021.

Child tax credits

This expanded child tax credit enables families to receive up to $3,000 per qualifying child ages 6 to 17 at the end of 2021. Those with children under 6 at the end of 2021 will receive $3,600 per qualifying child.

The program begins to phase out based on income and by filing status: $150,000 for married filing jointly; $112,500 for heads of household; $75,000 for all other taxpayers.

End date: Dec. 31, 2021.

Small business owner protections

This program provides small businesses with loans backed by the Small Business Administration so they may continue employment during the pandemic. The forgiveness program allows borrowers to request PPP loan forgiveness once all loan proceeds have been used.

End date: May 31, 2021, for the Paycheck Protection Program. Borrowers can request forgiveness any time up to the maturity date of the loan. 

Health insurance

This special enrollment period enables U.S. citizens and legal residents to sign up for health insurance through Marketplace health coverage.

End date: Aug. 15, 2021.

This program, which began April 1, 2021, requires certain employers to offer free COBRA health insurance coverage. Employers had until May 31, 2021, to notify former employees of their eligibility.

End date: Sept. 30, 2021.