Did you lose your job or may lose your job and wonder if an New Hampshire unemployment calculator can help estimate your eligibility, benefit amount and duration? Or are you worried that you will face New Hampshire unemployment?
You may qualify for unemployment, and we will help you estimate whether you qualify and how much you qualify for in New Hampshire.
Also, if you are struggling with debt, we also built a free New Hampshire debt resolution options calculator (doesn't require an email address) that can help you compare your options when facing unemployment and lower income.
The New Hampshire unemployment department has a system for determining how much your weekly unemployment payment amount will be.
People who are eligible for unemployment in New Hampshire will receive a weekly payment amount between $32 and $427. The maximum length of New Hampshire unemployment benefits is 26 weeks.
How much will your receive each week from New Hampshire unemployment insurance? Take the free New Hampshire unemployment benefits calculator below based on the New Hampshire state guidelines to estimate your benefit amount.
What happens if your weekly benefit amount calculation is over the $427 weekly maximum set by the State of New Hampshire? If you are someone who earns more than this amount annually you will just receive the weekly maximum. Currently, that is the maximum amount of unemployment weekly benefits that are allowed. That amount may go up as the cost of living continues to increase but as for right now it is capped at weekly.
Unemployment benefits can last 26 weeks in New Hampshire. That being said, there are several requirements that you must complete/meet in order to keep your benefits active.
There is also the possibility that you can exhaust your claim. Exhausting your claim happens when you use up all your eligible funds for the year. If this happens you are not eligible to get claim more unemployment until your initial claim expires.
Claims often expire about 52 weeks (1 year) from when you filed for benefits the first time. At that point you would just file a new initial claim. If you get to a point where you are unsure on the dollar amount of benefits you have available to you, you may be able to login to your portal to understand your eligibility.
Let’s go through an unemployment overview. If you are here, you probably have either lost your job, are about to lose your job, or know someone who has lost their job and you are trying to find resources to help calm their anxiety. There are many reasons why you may become unemployed. The most common reasons of job loss are:
Do any of these apply to you? You may qualify for unemployment benefits, but let’s look at the New Hampshire unemployment language below.
Your weekly benefit amount is based on how much you earned in the last 15 to 18 months. New Hampshire looks at your “base period”, which is normally the first 4 of the last 5 completed calendar quarters prior to the effective date of the claim. The minimum earnings required for eligibility are $2800 ($1400 each in 2 separate quarters), which would result in a $32 weekly benefit amount. The more earnings in your base period, the higher your weekly benefit amount, to a maximum of $427 for $41,500 or more in earnings.
This New Hampshire unemployment calculator above is not designed to be any form of guarantee, more so an estimate. It is meant to provide some hope, and ultimately alleviate any anxiety you may be having by helping you understand your financial hardship options in New Hampshire.
In order to get the best results, please enter your data as truthful and as accurate as possible. This will help save you from a potential let down if you end up needing to file for some form of debt relief or financial assistance.
Let’s say your unemployment leads to a lawsuit, which leads to a New Hampshire wage garnishment. Then what?
There is nothing worse than having a lot of debt and losing your main/only source of income. There are things that you are going to make a priority like your rent/mortgage, utilities, food, medical care. That is only a fraction of your financial picture, what do you do about the rest? Like other debt obligations such as unsecured debts (credit cards, collections, personal loans, etc.) If you feel like you have no options other than to just not pay your debt and get hounded with collection calls until you get back on your feet, think again. Here are some ways to deal with your debt while you are navigating this next chapter of life.
Chapter 7 bankruptcy in New Hampshire is also known as liquidation bankruptcy. Most unsecured debts are usually discharged within 90-120 days (3-4 months).
| # of People | Annual Income |
|---|---|
| 1 | $84,853 |
| 2 | $98,612 |
| 3 | $134,357 |
| 4 | $146,589 |
| 5 | $156,489 |
| 6 | $166,389 |
| 7 | $176,289 |
| 8 | $186,189 |
| 9 | $196,089 |
Not sure if you would qualify for chapter 7 bankruptcy? You can estimate your Chapter 7 qualification and cost here.
Please note that the cost to file bankruptcy in New Hampshire is $338 for a Chapter 7 bankruptcy or $313 for a Chapter 13 bankruptcy. That said, if you cannot afford this, you can potentially get those fees waived if your income is below the following guidelines.
| # of People | 150% Poverty Guideline |
|---|---|
| 1 | $15,060 |
| 2 | $20,440 |
| 3 | $25,820 |
| 4 | $31,200 |
| 5 | $36,580 |
| 6 | $41,960 |
| 7 | $47,340 |
| 8 | $52,720 |
| 9 | $58,100 |
| * Add $5,380 for each individual in excess of 9. | |
If you cannot afford any of these options, please consider the following legal aid resources in New Hampshire
Chapter 13 bankruptcy in New Hampshire is a payment plan bankruptcy often of 3 or 5 years. Individuals may choose this option if they do not qualify for Chapter 7 bankruptcy or if you have equity in an asset such as a vehicle above the New Hampshire bankruptcy exemptions.
In Chapter 13 bankruptcy, priority creditors are paid back first (mortgage, auto loans, child support, IRS debt and other secured debts.) At that point, any left-over money may go to pay your unsecured creditors. For 3 or 5 years you will make monthly payments to the bankruptcy trustee for a set amount until you fulfill the agreed amount.
You can estimate your chapter 13 bankruptcy payments here.
New Hampshire Debt Relief is when you negotiate your debts with your creditors to pay less than you owe. Usually, you pay 40-50% of what you owe. You typically will work with a debt settlement company or your attorney to get an agreement in writing.
If you choose to work with a debt settlement company, you will make monthly payments to them for 12-48 months. There are many amazing debt settlement companies out there, but there are also many not so good ones. Check out our article on how to find a good debt settlement company here. Are you curious about what your debt settlement payment could be?
You can check that out here.
Debt management is typically done via credit counseling. Credit counselors can help you create a debt pay down strategy. In many cases they can also work with you and your creditors to negotiate a Debt Management Plan (DMP) with your creditors. A DMP is an agreement between you and your creditors that may include a lower monthly payment, reduced interest, and fee reversals. These plans typically are completed in 2-5 years and the payments are processed by the credit counselor or credit counseling agency and then paid to the creditors on your behalf. Need help finding a reputable credit counselor?
Last but most certainly not least, is debt payoff planning. Debt payoff planning is where you make a plan and pay your debts off in a strategical order. Usually in the order of lowest/highest balance or lowest/highest interest rate. This may be a rather difficult thing to achieve, especially while you are unemployed or on a limited income. Here at Ascend, we have created our own debt payoff planning app that can help you bridge the gap from plan to execution. You can try that out here.
You may recently be unemployed or are nearing unemployment in New Hampshire. Use the New Hampshire unemployment calculator below to estimate your weekly benefit amount and how long you may receive those benefits.
