Payment is issued after your claim is processed and it is determined you qualify for benefits. The first payment you may receive is postponed by one week’s worth of payment, called the waiting week. Basically, every claimant who qualifies for unemployment serves an unpaid ‘waiting week’ that begins the first week they become eligible to receive benefits.

In order to be paid benefits, you must request payment every two weeks. If you are eligible for benefits, payment will be deposited to an unemployment debit card. After claim processing, payment may take two to three business days to receive from the time you submit your payment request. To request payment online, register with MyUI.

You are responsible for knowing when you are scheduled to request payment. Requesting payment too early or late will result in your claim being closed. If this occurs, you must reopen your claim before future benefits can be paid.

Requesting Payment

Request your payments every two weeks online through MyUI or by telephone 303-813-2800 or 1-888-550-2800 (outside Denver-metro area).

Request Payment Button

Receiving Payment

There are two methods of receiving your unemployment benefit payments:

  • Direct Deposit
  • Colorado Automated Payment (CAP) Card

Debit Card

Everyone who signs up for unemployment benefits gets a debit card, also called a CAP Card, from Chase Bank which you will receive in a plain white envelope.

Chase issues a 4-digit PIN that you use for transactions. The Chase PIN is not the same as the unemployment PIN.

To activate your CAP Card, go to or call Chase at 1-866-316-3925 (toll free) after you receive the card.

The CAP Card is valid for three years, so you should retain your card to avoid paying a fee from Chase in cases where you may open another unemployment claim.

You may be subject to debit card fees.

Direct Deposit

You can avoid debit card fees by having your benefit payments deposited directly to your checking or savings account. You will need your social security number, unemployment insurance PIN, and bank account and routing number.

Setup Direct Deposit Button

Contact Us

Colorado Division of Unemployment Insurance | 303-318-9000 | Contact Us