Unemployment benefits are designed to help people cope with the transition between jobs by providing temporary financial help to qualified individuals, based on their previous earnings, while they are looking for other work. Unemployment insurance replaces part of the income you lose when you become unemployed, and is available to workers who are out of work through no fault of their own. Unemployment insurance softens the impact job losses have on communities by maintaining the purchasing power in the area where workers live. The money for benefits comes from a tax imposed on employers. The four steps listed below will help you successfully file a claim for unemployment benefits.