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Audit Report — PUA for Non-Traditional Claimants Weakened by Billions in Overpayments, Including Fraud

Filed September 27, 2023 in DOL OIG Unemployment Insurance; one of 15 filings from this case.

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CourtU.S. Department of Labor, Office of Inspector General (contracted to Key and Associates, P.C.)
Filed2023-09-27

Cited in: PUA Was Built to Be Uncheckable

Full text

REPORT TO THE EMPLOYMENT 
AND TRAINING ADMINISTRATION      
COVID-19: PANDEMIC 
UNEMPLOYMENT ASSISTANCE FOR 
NON-TRADITIONAL CLAIMANTS 
WEAKENED BY BILLIONS IN 
OVERPAYMENTS, INCLUDING FRAUD 
DATE ISSUED: SEPTEMBER 27, 2023
REPORT NUMBER: 19-23-014-03-315
This report was prepared by Key & Associates, P.C. under contract to 
the U.S. Department of Labor, Office of Inspector General, and, by 
acceptance, it becomes a report of the Office of Inspector General. 
 
 
 
 
 
 
 
 
 
 
 
 
U.S. Department of Labor  
Assistant Inspector General for Audit 

U.S. Department of Labor 
Office of Inspector General 
Audit 
BRIEFLY… 
COVID-19: PANDEMIC UNEMPLOYMENT 
ASSISTANCE FOR NON-TRADITIONAL 
CLAIMANTS WEAKENED BY BILLIONS IN 
OVERPAYMENTS, INCLUDING FRAUD  
SEPTEMBER 27, 2023 
WHY OIG CONDUCTED THE AUDIT 
The Pandemic Unemployment Assistance 
program (PUA) was one of several new 
unemployment insurance (UI) programs created 
under the Coronavirus Aid, Relief, and 
Economic Security (CARES) Act to address the 
economic emergency resulting from the 
COVID-19 pandemic. PUA provided UI benefits 
to workers who were not traditionally eligible.  
The U.S. Department of Labor’s Employment 
and Training Administration (ETA) was 
responsible for ensuring implementation and 
program monitoring of PUA. Based on audits of 
previous emergency UI program 
implementation, we were concerned with ETA’s 
ability to effectively and efficiently deploy PUA 
funding, which totaled over $130 billion. 
WHAT OIG DID 
We contracted with the independent certified 
public accounting firm of Key & Associates, 
P.C. (Key & Associates) to conduct an audit to
answer the following question:
Did non-traditional claimants receive PUA 
benefits as intended under the CARES Act 
and subsequent legislation? 
Key & Associates’ audit procedures included 
assessing ETA’s oversight, performing in-depth 
testing for 10 state workforce agencies (SWA or 
state), and surveying 43 other states. 
WHAT OIG FOUND 
Key & Associates found non-traditional 
claimants received necessary PUA benefits as 
intended under the CARES Act and subsequent 
legislation. However, allowing claimants to 
self-certify their eligibility—coupled with states’ 
difficulties with implementing new UI programs 
and the substantial increase in claims volume— 
led to significant overpayments, including fraud. 
PUA quickly became the second largest 
pandemic-related UI program. From 
April 1, 2020, through September 30, 2021, the 
53 SWAs provided over $130 billion for PUA 
benefits. By comparison, SWAs provided about 
$153 billion for the regular UI program. 
However, providing benefits to non-traditional 
claimants came at the cost of significant 
overpayments. 
From April 1, 2020, to March 31, 2023, the 
53 SWAs reported nearly $35 billion in 
established PUA overpayments. This included 
PUA benefits and Federal Pandemic 
Unemployment Compensation benefits, the 
supplement that was attached to each UI claim 
paid. In total, states reported that over 15 percent 
of all PUA benefits paid were overpayments and 
approximately 61 percent of all Federal Pandemic 
Unemployment Compensation overpayments 
occurred when PUA was the underlying benefit.  
Key & Associates, in collaboration with the OIG, 
found that 10.8 percent of PUA claims exhibited 
potentially fraudulent activity, including instances 
of benefits paid to individuals with Social Security 
numbers used to file UI claims in multiple states 
or of deceased persons. While these indicators—
previously reported by the OIG—do not measure 
the full extent of PUA fraud, they indicate the 
vulnerability of the program. 
WHAT OIG RECOMMENDED 
Key & Associates made three 
recommendations to ETA to improve oversight 
of the UI program. ETA agreed with our 
recommendations. 
READ THE FULL REPORT 
https://www.oig.dol.gov/public/reports/oa/2023/1
9-23-014-03-315.pdf

 
U.S. Department of Labor – Office of Inspector General  
 
 
 
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TABLE OF CONTENTS 
INSPECTOR GENERAL’S REPORT .................................................................... 1 
CONTRACTOR PERFORMANCE AUDIT REPORT ............................................ 6 
RESULTS ........................................................................................................... 11 
Effectiveness of Pandemic Response for Non-Traditional Claimants 
Weakened by Significant Overpayments, Including Fraud ....................... 12 
CONCLUSION .................................................................................................... 22 
RECOMMENDATIONS ....................................................................................... 23 
Analysis of Management’s Response ...................................................... 24 
EXHIBIT 1: COVID-19-RELATED REASONS THAT AN INDIVIDUAL COULD 
RECEIVE PUA .................................................................................................... 26 
EXHIBIT 2: REPORTED FUNDING, OVERPAYMENTS, AND RECOVERIES BY 
STATE ................................................................................................................ 27 
EXHIBIT 3: POTENTIALLY FRAUDULENT BENEFITS INDICATORS BY STATE
 ............................................................................................................................ 30 
APPENDIX A: SCOPE AND METHODOLOGY .................................................. 32 
APPENDIX B: AGENCY’S RESPONSE TO THE REPORT ............................... 36 
 

 
U.S. Department of Labor 
Office of Inspector General 
 
Washington, DC 20210 
 
NON-TRADITIONAL CLAIMANT UI PROGRAM 
 
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NO. 19-23-014-03-315 
INSPECTOR GENERAL’S REPORT 
Brent Parton 
Principal Deputy Assistant Secretary  
  for Employment and Training 
U.S. Department of Labor 
200 Constitution Ave. NW 
Washington, DC 20210 
 
 
The U.S. Department of Labor, Office of Inspector General (OIG) contracted with 
the independent certified public accounting firm of Key & Associates, P.C. 
(Key & Associates) to conduct a performance audit of the Employment and 
Training Administration (ETA) and states’ delivery of unemployment insurance 
(UI) benefits to non-traditional claimants under the Pandemic Unemployment 
Assistance (PUA) provisions of the Coronavirus Aid, Relief, and Economic 
Security (CARES) Act and subsequent legislation. Additionally, Key & Associates 
analysis included Federal Pandemic Unemployment Compensation benefits as 
these benefits supplemented PUA payments.  
 
The OIG monitored Key & Associates’ work to ensure it met professional 
standards and contractual requirements. Key & Associates’ independent audit 
was conducted in accordance with generally accepted government auditing 
standards.  
 
Key & Associates was responsible for the auditors’ evaluation and the 
conclusions expressed in the report while the OIG reviewed Key & Associates’ 
report and supporting documentation. 

 
U.S. Department of Labor – Office of Inspector General  
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NO. 19-23-014-03-315 
PURPOSE 
 
As the OIG has previously reported,0F1 we are concerned with ETA and states’ 
ability to deploy UI benefits expeditiously and efficiently while ensuring integrity 
and adequate oversight, particularly in response to national emergencies and 
disasters. These concerns were magnified by the PUA program, given its 
high-risk nature and the OIG’s past work on expansions of UI programs, such as 
the American Recovery and Reinvestment Act of 2009. 
 
The UI program is a joint federal-state program that provides temporary benefits 
to workers who become unemployed through no fault of their own. The CARES 
Act was designed to mitigate the economic effects of the COVID-19 pandemic, 
including providing temporary unemployment compensation—PUA—to 
individuals not eligible for other unemployment compensation. 
 
Specifically, Section 2102 of the CARES Act authorized unemployment coverage 
to claimants who were not eligible for regular UI, extended benefits, or Pandemic 
Emergency Unemployment Compensation.1F2 Claimants also were required to 
self-certify they would otherwise be able to and available for work but were 
unemployed, partially unemployed, or unable or unavailable for work due to 1 of 
11 COVID-19 related reasons. These non-traditional claimants included 
self-employed workers, independent contractors, those with a limited work 
history, and others. See Exhibit 1 for the list of COVID-19-related reasons an 
individual could receive PUA. 
 
Created by the CARES Act on March 27, 2020, PUA was later extended and 
modified2F3 by the Continued Assistance to Unemployed Workers Act of 2020 and 
the American Rescue Plan Act of 2021, and ended on September 6, 2021. 
 
Based on the risks associated with previous expansions of the UI program, we 
contracted with Key & Associates to conduct a performance audit to answer the 
following question:  
 
 
1 See Prior Relevant Coverage in Appendix A. 
2 The CARES Act, Section 2102(a)(3)(A)(i), defines a “covered individual” as “an individual who is 
not eligible for regular compensation or extended benefits under State or Federal law or 
pandemic emergency unemployment compensation under Section 2107, including an individual 
who has exhausted all rights to regular unemployment or extended benefits under State or 
Federal law or pandemic emergency unemployment compensation under section 2107.” 
3 The PUA program underwent modifications with the enactment of the Continued Assistance to 
Unemployed Workers Act of 2020. Key changes encompassed mandatory documentation of 
employment or self-employment earnings, restrictions on backdating of claims, introduction of 
overpayment waivers, and implementation of mandatory identity verification processes for new 
PUA applications. 

 
U.S. Department of Labor – Office of Inspector General  
NON-TRADITIONAL CLAIMANT UI PROGRAM 
 
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NO. 19-23-014-03-315 
 
Did non-traditional claimants receive PUA benefits as intended 
under the CARES Act and subsequent legislation? 
 
To answer this question, Key & Associates conducted a performance audit that 
covered the period March 27, 2020, to September 30, 2021.3F4 To examine the 
impact of self-certification on PUA benefit payments, Key & Associates tested 
claims from March 27, 2020, to April 6, 2021. Specifically, Key & Associates 
assessed the impact of CARES Act requirements, which allowed claimants to 
self-certify their eligibility, and of the Continued Assistance to Unemployed 
Workers Act of 2020, which required claimants to provide documentation to 
substantiate their employment or self-employment. Additionally, 
Key & Associates extended the scope to March 31, 2023, for the purpose of 
reviewing the most current UI overpayment data.  
 
The audit included procedures at both ETA and state levels to determine 
compliance with program requirements. Key & Associates’ audit procedures 
included assessing ETA’s oversight, performing in-depth testing for 10 state 
workforce agencies (SWA or state),4F5 and surveying 43 other states. The 
10 SWAs examined were in the Commonwealth of Puerto Rico and in the States 
of: Colorado, Illinois, Kansas, Maryland, Massachusetts, New York, 
Pennsylvania, Texas, and Utah. 
 
For the period April 1, 2020, to September 30, 2021, the 53 SWAs reported 
receiving over $130 billion in PUA funding to pay non-traditional claimants. Of 
over $130 billion, approximately $53 billion (41 percent) was provided to the 
10 SWAs tested.  
RESULTS 
Key & Associates found non-traditional claimants received necessary PUA 
benefits as intended under the CARES Act and subsequent legislation. However, 
the combination of several factors led to significant overpayments, including 
fraud, in the PUA program. Specifically, these factors were: (1) the PUA 
 
 
4 Although the PUA program officially concluded on September 6, 2021, 26 states provided DOL 
notification to terminate their pandemic-related UI programs prior to this date. However, claims 
and drawdown data are reported by SWAs on a monthly basis. Therefore, to ensure 
comprehensive data representation, the claims and benefit drawdown information in this report 
reflects data as of September 30, 2021. 
5 This report uses “state” or “SWA” to refer to the administrative body that administers the UI 
program within the state, district, or territory. There are 53 SWAs, including the 50 states, the 
U.S. Virgin Islands, the Commonwealth of Puerto Rico, and the District of Columbia. 

 
U.S. Department of Labor – Office of Inspector General  
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NO. 19-23-014-03-315 
program’s initial reliance on self-certification that offered states limited data to 
detect or prevent overpayments, (2) a tenfold increase in UI claims that 
overwhelmed state UI systems, and (3) states’ struggles to implement the new 
pandemic-related UI programs. 
 
PUA quickly became the second largest5F6 pandemic-related UI program. From 
April 1, 2020, through September 30, 2021, the 53 SWAs provided over 
$130 billion for PUA benefits. By comparison, SWAs provided about $153 billion 
for the regular UI6F7 program. However, providing benefits to non-traditional 
claimants came at the cost of significant overpayments. 
 
Specifically, from April 1, 2020 to March 31, 2023, the 53 SWAs reported7F8 nearly 
$35 billion in established PUA overpayments—benefit payments that SWAs 
investigated8F9 and found were improper. These overpayments included $20 billion 
in PUA benefits and approximately $15 billion in Federal Pandemic 
Unemployment Compensation benefits, which was the supplement that was 
attached to each UI claim paid. In total, states reported that over 15 percent of all 
PUA benefits paid were overpayments and approximately 61 percent of all 
Federal Pandemic Unemployment Compensation overpayments occurred when 
PUA was the underlying benefit.  
 
Finally, Key & Associates, in collaboration with the OIG, found that 10.8 percent of 
PUA claims exhibited potentially fraudulent activity, including instances of benefits 
paid to individuals with Social Security numbers used to file claims in multiple 
states or of deceased persons. While these indicators—previously reported by the 
 
 
6 The only larger pandemic-related UI program was Federal Pandemic Unemployment 
Compensation. From March 27, 2020, to July 31, 2020, the Federal Pandemic Unemployment 
Compensation program provided supplemental payments of $600 per week to individuals with at 
least one dollar ($1) of underlying benefits from designated unemployment compensation 
programs. Under CAA and the American Rescue Plan Act of 2021, the supplemental payments 
were $300 per week. 
7 Regular UI, also known as state UI, is a program administered by SWAs in the United States to 
provide temporary financial assistance to eligible workers who have lost their jobs through no 
fault of their own. 
8 Overpayment and recovery amounts are based upon publicly available state reporting on 
ETA 227 reports and the ETA 902P report. Information found at: 
https://oui.doleta.gov/unemploy/DataDownloads.asp, last accessed August 27, 2023 
9 Per Unemployment Insurance Program Letter 01-16, overpayments may be identified through 
cross-matches, fraud hotlines, or a variety of other methods. States must conduct an investigation 
before issuing an official determination that an overpayment has been made. In so doing, states 
must ensure that investigators gather all relevant information, which may include supporting 
documents and statements from either the individual to whom the payment was made or others. 
In addition, an individual must be given an opportunity to be heard, timely notice of the interview, 
and an opportunity to present evidence. 

 
U.S. Department of Labor – Office of Inspector General  
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OIG—do not measure the full extent of PUA fraud, they indicate the vulnerability of 
the program.9F10  
 
We appreciate the cooperation and courtesies ETA extended us during this audit. 
 
 
 
 
Carolyn R. Hantz 
Assistant Inspector General for Audit 
 
 
 
 
 
10 For example, see: Alert Memorandum: Potentially Fraudulent Unemployment Insurance 
Payments in High-Risk Areas Increased to $45.6 Billion, Report No. 19-22-005-03-315 
(September 21, 2022), https://www.oig.dol.gov/public/reports/oa/2022/19-22-005-03-315.pdf. 
Payments with potentially fraudulent claims previously reported in alert memoranda by the OIG 
were referred to ETA. According to ETA, the OIG’s assessment of payments was provided to 
SWAs for action if deemed necessary. 

 
U.S. Department of Labor – Office of Inspector General  
 
NON-TRADITIONAL CLAIMANT UI PROGRAM 
 
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CONTRACTOR PERFORMANCE AUDIT REPORT 
 
 
 
Independent Auditors’ Performance Audit Report on the Unemployment 
Insurance Benefits Provided to Non-Traditional Claimants and Compliance with 
the Coronavirus Aid, Relief, and Economic Security Act and 
Subsequent Legislation 
 
 
Brent Parton  
Principal Deputy Assistant Secretary  
  for Employment and Training  
U.S. Department of Labor 
200 Constitution Ave. NW 
Washington, DC 20210 
 
 
We were engaged by the U.S. Department of Labor (DOL or the Department) 
Office of Inspector General (OIG) to conduct a performance audit of the 
Employment and Training Administration (ETA) and states’ delivery of 
unemployment insurance (UI) benefits to non-traditional claimants under the 
Pandemic Unemployment Assistance (PUA) provisions of the Coronavirus Aid, 
Relief, and Economic Security (CARES) Act and subsequent legislation. The 
program was created to mitigate the economic effects of the COVID-19 
pandemic for non-traditional claimants, such as self-employed workers, 
independent contractors, and those with a limited work history.  
 
We conducted the audit to answer the following question:  
 
Did non-traditional claimants receive PUA benefits as intended 
under the CARES Act and subsequent legislation? 
 
To answer this question, we performed procedures at ETA and State Workforce 
Agency (SWA or state) levels to determine compliance with program 
requirements. The OIG selected the Commonwealth of Puerto Rico and the 
States of: Colorado, Illinois, Kansas, Maryland, Massachusetts, New York, 
Pennsylvania, Texas, and Utah (10 SWAs) for in-depth analysis and testing. The 
OIG selected these 10 SWAs based on a risk analysis, including, but not limited 

 
U.S. Department of Labor – Office of Inspector General  
 
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to, funding amounts, law enforcement intelligence, congressional interest, and 
media reports.   
 
We also sent surveys to the remaining 43 SWAs that signed an agreement to 
participate in PUA to obtain related key information about the program.10F11 In 
addition, we reviewed the states’ implementation of the CARES Act and related 
legislation, preparedness, initial eligibility determinations, continued eligibility 
determinations, overpayment detection, and the states’ compliance with ETA’s 
oversight requirements. Furthermore, our review included an examination of 
state data sets on overpayments and claim denials. 
 
This audit covered DOL and states’ PUA programs from March 27, 2020, to 
September 30, 2021, coinciding with the COVID-19 pandemic. To examine the 
impact of self-certification on PUA benefit payments, we tested claims from 
March 27, 2020, to April 6, 2021. Specifically, we assessed the impact of 
CARES Act requirements, which allowed claimants to self-certify their eligibility, 
and the Continued Assistance to Unemployed Workers Act of 2020 (CAA), which 
required claimants to provide documentation to substantiate their employment or 
self-employment. Additionally, we extended the scope of the audit to 
March 31, 2023, for the purpose of reviewing the most current UI established 
overpayment data. 
INCREASE IN UI PROGRAM CLAIMS AND THE 
PANDEMIC RESPONSE FOR NON-TRADITIONAL 
CLAIMANTS 
The pandemic presented ETA and states with unprecedented challenges. ETA 
officials have highlighted these challenges,11F12 including the daunting task of 
managing an overwhelming surge in claims volume. 
 
After the pandemic’s emergence in early 2020, there was a drastic increase in 
unemployment compensation claims across the United States. Within a span of 
2 to 3 weeks, initial claims surged to 10 times the pre-pandemic levels, 
overwhelming the capacity of state systems. By August 15, 2020, a period of 
5 months, DOL recorded more than 57 million initial claims, the largest increase 
since the Department started tracking UI data in 1967. Consequently, state 
officials reported their primary focus had shifted to providing assistance to 
individuals who found themselves jobless due to the pandemic, necessitating the 
 
 
11 Of 43 SWAs, 21 responded to the survey request. Therefore, this report reflects 31 of 
53 SWAs’ experiences (58 percent) during the audit period. 
12 ETA’s statements can be found in the report: “COVID-19: States Struggled to Implement 
CARES Act Unemployment Insurance Programs,” Report No. 19-21-004-03-315 (May 28, 2021), 
https://www.oig.dol.gov/public/reports/oa/2021/19-21-004-03-315.pdf. 

 
U.S. Department of Labor – Office of Inspector General  
 
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participation of all UI staff members in aiding claimants even if this was typically 
outside of their customary job duties.  
 
PUA was the first temporary UI program to provide benefits to non-traditional 
claimants. The introduction of the PUA program posed a unique challenge as it 
was implemented without a lengthy preparation period and under new eligibility 
requirements. ETA officials stated that a swift rollout of a new government benefit 
program, including policy formulation, product development, and operational 
procedures, typically requires a timeframe of 30 to 48 months. However, as the 
OIG previously reported, given the nature of emergency situations, states would be 
unlikely to have a lengthy rollout period for emergency programs. Consequently, the 
challenges associated with the PUA program had to be resolved in real-time, 
while states grappled with an extraordinary tenfold increase in claims volume.  
 
ETA officials stated that, both during and after the pandemic-related UI program 
period, ETA and states have launched several initiatives to combat 
overpayments, including fraud. Measures like secure sign-in services, in-person 
identity verification, and a new identity fraud reporting website were introduced to 
mitigate fraud. Additionally, ETA stated it had made available up to $765 million 
in fraud prevention grants, and expert Tiger Teams provided states with 
assessments and improvement recommendations for UI processes.  
 
ETA also stated it facilitated the secure availability of incarceration data to 
cross-reference UI claims against prisoner information. Further, ETA reported it 
continued to provide oversight and technical assistance through the State Quality 
Service Plans, the Integrity Action Plan, the UI Integrity Center, and information 
provided by the Department’s OIG. ETA also stated it is working with the Office 
of the Chief Financial Officer to develop a UI fraud risk profile in line with the 
Government Accountability Office’s Fraud Risk Framework. 
IMPORTANCE OF ESTABLISHING IMPROPER 
PAYMENT ESTIMATES AND FRAUD RATE FOR 
EMERGENCY UI PROGRAMS, INCLUDING PUA 
As of January 23, 2023, ETA reported that states paid $130.9 billion in PUA 
benefits from March 27, 2020 to September 6, 2021 (see Table 1).  
 

 
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Table 1: Total Benefits Paid by the 53 SWAs for Pandemic-Related UI 
Programs, from March 27, 2020, to September 6, 202112F13 
 
Pandemic-Related UI Program  
Total Drawdowns  
Federal Pandemic Unemployment Compensation 
$443,100,000,000 
Pandemic Unemployment Assistance 
$130,900,000,000 
Pandemic Emergency Unemployment Compensation 
$90,500,000,000 
Temporary Full Federal Funding of First Week of Regular 
Compensation Provision 
$7,500,000,000 
Emergency Unemployment Relief for State and Local 
Governmental Entities, Certain Nonprofit Organizations, and 
Federally Recognized Indian Tribes 
$6,300,000,000 
Short-Time Compensation Program 
$1,200,000,000 
Mixed Earners Unemployment Compensation 
$90,200,000 
Total 
$679,590,200,000 
Source: Key & Associates analysis of information reported by ETA  
 
ETA requires states to report established overpayments to the Department on 
ETA Form 227 and ETA Form 902P. In addition, the Office of Management and 
Budget requires13F14 federal agencies to develop improper payment14F15 estimates 
(including overpayments) for any programs that agencies identify as susceptible 
to significant improper payments and to report those estimates at 
PaymentAccuracy.gov.  
 
Established UI program overpayments reported by states have generally been 
much lower than the estimates developed by the Department. During 
Fiscal Year 2021, ETA determined PUA was susceptible to significant improper 
payments. In Unemployment Insurance Program Letter 16-22, ETA published its 
plan to calculate an estimated improper payment rate for the PUA program. 
However, according to ETA officials, the small-scale review outlined in 
Unemployment Insurance Program Letter 16-22, intended to minimize the burden 
 
 
13 ETA provided these amounts as of January 23, 2023. Please note that, throughout the report, 
we use different sources of information based on the availability of data and the requirements of 
our analysis.  
14 Office of Management and Budget, “Transmittal of Appendix C to OMB Circular A-123, 
Requirements for Payment Integrity Improvement,” Memorandum (March 5, 2021), last accessed 
June 27, 2023, https://www.whitehouse.gov/wp-content/uploads/2021/03/M-21-19.pdf 
15 Improper payments refer to both underpayments and overpayments inclusive of fraudulent 
activity. For ETA in Program Year 2020, the regular UI program estimated an improper payment 
rate of 9.17 percent, with 8.72 percent constituting overpayments and 0.45 percent being 
underpayments. The primary focus of our audit was on overpayments, given that they made up 
the majority of improper payments and thus posed a greater risk to the integrity of the UI 
program. 

 
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on states while meeting the improper payment reporting requirements, could not 
be used to estimate the PUA fraud rate.15F16 
 
For further contrast, ETA estimates the fraud rate for the regular UI program as 
part of the Benefit Accuracy Measurement program.16F17 ETA stated it is not 
required to publicly report the fraud rate. However, it does gather sufficient data 
to estimate the fraud rate, which is then included in the annual Benefit Accuracy 
Measurement analytical report, from the required improper payments reporting.17F18   
 
On August 21, 2023, ETA published a PUA improper payment report18F19 with an 
estimated PUA improper payment rate of 35.9 percent. This rate includes an 
overpayment rate of 17 percent, an underpayment rate of 1.5 percent, and a 
17.4 percent rate for benefits whose classification—whether valid, overpaid, or 
underpaid—could not be determined. The report also shed light on the numerous 
challenges encountered by both ETA and states. Notably, it underscored the 
PUA program’s significant benefit of preventing 5 million Americans from falling 
into poverty. Concerning fraud within the PUA program, the report states: 
 
While fraud due to weakened controls in 2020 may have 
contributed to overpayments, this analysis focuses on the broader 
universe of improper payments, does not isolate fraud, and should 
not be considered a fraud estimate for the PUA program.   
 
Although ETA is not required to identify the fraud rate for regular or emergency 
UI programs, the DOL Inspector General has testified19F20 on the importance of 
assessing the overall improper payment rate, including the fraud rate, for the 
efficient operation of pandemic UI programs. However, ETA’s disclosure of the 
 
 
16 On July 26, 2023, ETA officials provided this feedback in their technical response to the draft 
version of this report. 
17 According to ETA, the Benefit Accuracy Measurement program is a quality control statistical 
survey used to identify errors and support corrective action in the state UI system. It usually 
focuses on the three major UI programs: regular UI, Unemployment Compensation for Federal 
Employees, and Unemployment Compensation for Ex-service members. Benefit Accuracy 
Measurement data is used to estimate the total improper payments in the UI program, in each 
state and in the nation as a whole, based on a statistically valid examination of a sample of paid 
and denied claims. 
18 ETA typically publishes the Benefit Accuracy Measurement Annual Report by the conclusion of 
the year following the respective program year. For example, the 2022 report was published on 
September 5, 2023. 
19 ETA, “Pandemic Unemployment Assistance Improper Payment Rate Report” 
(August 21, 2023), https://oui.doleta.gov/unemploy/improp_pay.asp# 
20 “Pandemic Response and Accountability: Reducing Fraud and Expanding Access to COVID-19 
Relief through Effective Oversight,” March 17, 2022, Hearing of the U.S. Senate Committee on 
Homeland Security and Governmental Affairs, Statement of Larry D. Turner, Inspector General, 
Office of Inspector General, U.S. Department of Labor, Report No. 19-22-003-03-315, 
https://www.oig.dol.gov/public/testimony/20220317.pdf 

 
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PUA improper payment rate estimate occurred almost 2 years after the 
program’s conclusion and did not include a fraud rate.  
 
Given the delay in reporting the estimated improper payment rate and the 
absence of a corresponding fraud rate, various third-parties have produced their 
own estimates of the extent of pandemic UI fraud. This situation has the potential 
to create confusion both among the general public and within Congress, 
particularly when discrepancies exist. To uphold transparency and effective 
governance of the program, it is imperative that ETA produce standardized and 
timely metrics. 
RESULTS 
We found non-traditional claimants received necessary PUA benefits as intended 
under the CARES Act and subsequent legislation. However, the combination of 
several factors led to significant overpayments, including fraud, in the PUA 
program. Specifically, these factors were: (1) the PUA program’s initial reliance 
on self-certification that offered states limited data to detect or prevent 
overpayments, (2) a tenfold increase in UI claims that overwhelmed state UI 
systems, and (3) states’ struggles to implement the new pandemic-related UI 
programs. 
 
PUA quickly became the second largest pandemic-related UI program. From 
April 1, 2020, through September 30, 2021, the 53 SWAs provided over 
$130 billion for PUA benefits. By comparison, SWAs provided about $153 billion 
for the regular UI program. However, providing benefits to non-traditional 
claimants came at the cost of significant overpayments.  
 
Specifically, from April 1, 2020, to March 31, 2023, the 53 SWAs reported nearly 
$35 billion in established PUA overpayments—benefit payments that SWAs 
investigated and found were improper. These overpayments included $20 billion 
in PUA benefits and approximately $15 billion in Federal Pandemic 
Unemployment Compensation (FPUC) benefits, which was the supplement that 
was attached to each UI claim paid. In total, states reported that over 15 percent 
of all PUA benefits paid were overpayments, and approximately 61 percent of all 
FPUC overpayments occurred when PUA was the underlying benefit. 
 
Finally, in collaboration with the OIG, we found that 10.8 percent of PUA claims 
exhibited potentially fraudulent activity, including instances of benefits paid to 
individuals with Social Security numbers used to file claims in multiple states or 
of deceased persons. While these indicators—previously reported by the OIG—
do not measure the full extent of PUA fraud, they indicate the vulnerability of the 
program. 

 
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EFFECTIVENESS OF PANDEMIC RESPONSE 
FOR NON-TRADITIONAL CLAIMANTS 
WEAKENED BY SIGNIFICANT 
OVERPAYMENTS, INCLUDING FRAUD 
One of the primary objectives of the CARES Act was to alleviate the economic 
repercussions caused by the COVID-19 pandemic. As part of this effort, the PUA 
program was introduced as the first-ever temporary emergency unemployment 
compensation program designed to provide UI benefits to non-traditional 
claimants. Between April 1, 2020, and September 30, 2021, over $130 billion 
was allocated to the 53 SWAs to pay non-traditional claimants through the PUA 
program. However, as PUA claimants did not have to provide documentation of 
their prior work or earnings for the benefits during the first 9 months of the 
program, PUA was highly susceptible to overpayments, including fraud. 
 
Specifically, under the CARES Act, PUA claimants could receive up to 39 weeks 
of their state’s minimum weekly benefit amount if they were found ineligible for 
regular UI, extended benefits, or Pandemic Emergency Unemployment 
Compensation (PEUC).20F21 Claimants were also required to self-certify that they 
would otherwise be able and available for work but were unemployed, partially 
unemployed, or unable or unavailable for work due to 1 of 11 COVID-19-related 
reasons (see Exhibit 1 for the list of reasons an individual could receive PUA). 
Therefore, PUA claimants did not have to provide evidence of earnings and 
states relied upon self-certifications to determine initial and continued eligibility. 
States officials expressed that this approach created program integrity 
challenges, including difficulties in preventing improper payments, and that PUA 
was targeted by criminals. 
PUA PROVIDED BILLIONS IN BENEFITS TO 
INTENDED AND UNINTENDED CLAIMANTS 
Section 2102 of the CARES Act specifically outlined the eligibility criteria for 
PUA. Eligible individuals included those that were self-employed,21F22 advised by a 
health care professional to self-quarantine or self-isolate due to COVID-19, had 
caregiving responsibilities for a family or household member with COVID-19, 
 
 
21 The CARES Act, Section 2102(a)(3)(A)(i), defines a “covered individual” as “an individual who 
is not eligible for regular compensation or extended benefits under State or Federal law or 
pandemic emergency unemployment compensation under section 2107, including an individual 
who has exhausted all rights to regular unemployment or extended benefits under State or 
Federal law or pandemic emergency unemployment compensation under section 2107.” 
22 These included freelancers, independent contractors, gig workers, or sole proprietors. 

 
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were unable to work due to a lack of childcare caused by pandemic-related 
closures, or experienced temporary business closures or significantly reduced 
hours directly attributable to COVID-19. 
 
The 10 SWAs reported that the implementation of PUA necessitated the 
recruitment of extra personnel, IT system modifications, and the development of 
training materials. They also indicated that they struggled to handle the volume of 
claims, implement new pandemic-related UI programs, and prevent 
overpayments, including fraud. Despite these obstacles, PUA provided billions in 
benefits to millions of non-traditional workers.  
 
Between April 1, 2020, and September 30, 2021, the 53 SWAs paid 
approximately 30 million initial PUA claims.22F23 In March 2020, the Bureau of Labor 
Statistics estimated there were nearly 16 million self-employed individuals in the 
United States. PUA was not limited to the self-employed. However, the level of 
funding and number of initial claims paid indicated that PUA proved to be a vital 
source of financial support to individuals who would have otherwise been left 
without income support during the pandemic.  
 
CAA was signed into law on December 27, 2020. Section 241 of CAA introduced 
a new requirement for PUA claimants to provide documentation supporting their 
employment, self-employment, or planned commencement of employment or 
self-employment generally within 21 days after submitting their PUA 
application.23F24 The American Rescue Plan Act of 2021, which extended the PUA 
program to September 6, 2021, continued the requirement for claimants to 
provide supporting documentation. 
STATES CHALLENGED IN PREVENTING PUA 
PAYMENTS TO UNINTENDED CLAIMANTS 
All 10 SWAs indicated being challenged in preventing overpayments, including 
fraud, in the PUA program. Allowing claimants to self-certify their eligibility meant 
states did not have non-traditional claimants’ information on prior work and 
earnings as they were outside the federal-state UI taxation system. As a result, 
states enrolled tens of millions of non-traditional workers without the ability to 
independently access earnings data and with no ability to confirm continued 
 
 
23 An initial claim is a claim filed by an unemployed individual after separation from an 
employment.  
24 The documentation requirement and the 21-day deadline did not uniformly apply to all PUA 
claims. Specifically, only those who received a PUA payment after December 27, 2020, were 
required to submit documentation. For applicants who filed a new PUA claim on or after 
January 31, 2021, a 21-day deadline for document submission was set. However, for those who 
applied for PUA prior to January 31, 2021, and received a payment after December 27, 2020, a 
90-day window was provided for document submission. 

 
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weekly eligibility except through self-attestation. State officials reported the 
following challenges with allowing claimants to self-certify their eligibility:  
 
• Lack of proof of employment separation: State officials 
expressed that the self-certification process did not require 
claimants to provide evidence or proof of separation from 
employment. This lack of verification made it challenging for 
officials to identify or prevent overpayments. 
 
• Attractive target for criminals: State officials noted that the 
program’s eligibility criteria were oversimplified to an extent to 
attract fraud. Consequently, states found themselves investing a 
significant amount of time in detecting and addressing fraudulent 
activities. 
 
• Inability to deny benefits for disqualifying reasons: The 
self-certification process prevented states from denying PUA 
benefits to claimants, even if those claimants had been denied 
regular UI benefits due to disqualifying factors such as misconduct 
or voluntary separation unrelated to the pandemic. This suggests 
that self-certification may have inadvertently allowed ineligible 
claimants to receive benefits.  
 
Both publicly reported data and state claims data supported that states faced 
challenges in preventing overpayments, including fraud, in the PUA program. As 
of March 31, 2023, the 53 SWAs reported nearly $35 billion in established 
overpayments for non-traditional claimants under the PUA program, comprised of 
$20 billion in PUA established overpayments and approximately $15 billion in 
FPUC benefits. Established overpayments are state-identified overpayments that 
states have confirmed to be improper. The process for identifying established 
overpayments entails states conducting an investigation, gathering relevant 
information, and providing the claimant an opportunity to be heard.  
 
States reported established overpayments for PUA amounted to $20 billion, 
which included $875 million in established fraudulent payments (see Table 2). 
See Exhibit 2 for a breakdown of reported PUA funding, overpayments, and 
recoveries by state. 
 
 

 
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Table 2: Total Reported Established Overpayments Reported by 
the 53 SWAs from April 1, 2020, to March 31, 2023 
 
Program 
Total Benefits for 
Pandemic 
Program 
Period24F25 
Established 
Overpayments 
Established 
Fraudulent 
Payments 
Established 
Overpayment 
Rate 
PUA 
$130,900,000,000 
$20,039,284,550 
$875,667,946 
15.3% 
UCFE/UCX25F26 
$897,800,000 
$85,523,465 
$22,654,338 
9.5% 
Regular UI 
$165,400,000,000 
$12,505,893,308 
$1,376,059,868 
7.6% 
MEUC26F27 
$90,200,000 
$6,760,827 
$269,369 
7.5% 
FPUC 
$443,100,000,000 
$24,088,937,545 
$2,059,259,861 
5.4% 
PEUC 
$90,500,000,000 
$3,163,115,448 
$248,377,907 
3.5% 
Total 
$830,888,000,000 
$59,889,515,143 
4,582,289,815 
n/a 
Source: Key & Associates analysis of public overpayment data, retrieved June 26, 2023  
 
In total, states reported that established overpayments for FPUC amounted to 
$24 billion, including $2 billion in established fraudulent payments (see Table 3). 
Specifically, the FPUC program generated approximately $15 billion in 
overpayments attributable to the PUA program—$1 billion of which was reported 
as established fraudulent overpayments. 
 
 
 
25 ETA provided these amounts as of January 23, 2023. For this analysis, these figures were 
used instead of publicly reported drawdowns to ensure a more accurate comparison between the 
pandemic-related UI programs (operational from March 27, 2020, to September 6, 2021) and the 
permanent UI programs. 
26 Unemployment Compensation for Federal Employees (UCFE) and Unemployment 
Compensation for Ex-servicemembers (UCX) are permanent UI programs for federal employees 
and ex-servicemembers. 
27 Mixed Earners Unemployment Compensation 

 
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Table 3: Total FPUC Established Overpayments by Program for 
the 53 SWAs from April 1, 2020, to March 31, 2023 
 
Program 
Established 
Overpayments 
Established Fraudulent 
Payments 
PUA 
$14,668,456,113 
$1,026,851,852 
Regular UI 
$7,297,599,139 
$748,949,237 
PEUC 
$1,833,589,655 
$232,199,546 
Extended Benefits 
$219,524,966 
$4,045,806 
UCFE/UCX 
$67,642,695 
$47,159,036 
Disaster Unemployment Assistance 
$1,120,740 
$31,500 
Trade Readjustment Allowances 
$1,004,237 
$22,884 
Total 
$24,088,937,545 
$2,059,259,861 
Source: Key & Associates analysis of public overpayment data, retrieved June 26, 2023  
 
To put the $35 billion in established overpayments into perspective, that amount 
is equivalent to more than 30 years of regular UI established overpayments in a 
pre-pandemic year. Such a sum could have substantially advanced other key 
government initiatives. For instance, it exceeded the 2023 budget for the 
National Aeronautics and Space Administration27F28 and could provide support for 
over 1 million students in the Job Corps program as indicated by a 
2020 DOL-sponsored study.28F29 This underscores the magnitude of the amount 
lost as well as the challenges ETA and states faced in operating and managing a 
program that provided billions in benefits to millions of claimants during a time of 
national crisis. Further, the substantial amount of overpayments raised valid 
questions about the preparedness of the UI system to provide this level of 
benefits in similar situations. 
 
In April 2020, within a month after CARES Act passage, the OIG highlighted the 
risk associated with permitting claimants to self-certify their eligibility for PUA 
benefits.29F30 Subsequently, Congress took action by modifying the PUA program to 
require documentation when the program was extended on December 27, 2020, 
 
 
28 National Aeronautics and Space Administration (NASA) Agency Profile (data through 
March 30, 2023), last accessed June 9, 2023, https://www.usaspending.gov/agency/national-
aeronautics-and-space-administration?fy=2023 
29 DOL, Office of the Assistant Secretary for Policy, Chief Evaluation Office, website: 
https://www.dol.gov/agencies/oasp/evaluation/completed-reports/estimating-job-corps-cost-per-
enrollee-and-cost-per-graduate, last accessed September 27, 2023 
30 Advisory Report: CARES Act: Initial Areas of Concern Regarding Implementation of 
Unemployment Insurance Provisions, Report No. 19-20-001-03-315 (April 21, 2020), 
https://www.oig.dol.gov/public/reports/oa/2020/19-20-001-03-315.pdf 

 
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by the CAA. However, 81 percent of all approved PUA claims were filed prior to 
December 31, 2020.30F31  
 
On July 31, 2020, ETA provided a response to an OIG report31F32 that included the 
following: 
 
ETA’s guidance with regard to self-certification is based on the 
current statutory framework for the PUA program. The risk for fraud 
is found in the statute itself, not in the Department’s interpretation of 
the statute. The Department cannot unilaterally change policy 
decisions made by Congress. 
 
In light of ETA’s response indicating its lack of control over the self-certification 
aspect of the PUA program, it is imperative for ETA to proactively prepare to 
mitigate the risk involved with future emergency programs that may allow for 
participants to support eligibility with self-certifications. For example, as shown by 
the OIG’s identification of millions of PUA claims with easily detectable fraud 
indicators, fraud testing and data analytics can be greatly beneficial in unveiling 
identity theft within UI programs.  
PUA PROGRAM TARGETED BY CRIMINALS 
The DOL Inspector General has testified32F33 that the pandemic-related UI 
programs were targeted by organized criminal groups. The unprecedented 
infusion of federal funds into the UI program gave individuals and organized 
criminal groups a high-value target to exploit, thus providing incentive to commit 
fraud.  
 
According to state officials, states faced challenges in mitigating fraud within the 
PUA program despite implementing various countermeasures. These 
countermeasures included the following: 
 
• identity verification service contractors;  
 
 
31 The PUA program’s documentation requirement became effective on December 27, 2020. 
However, given that claims are reported on a monthly basis, the claims information was reported 
as of December 31, 2020. 
32 COVID-19: More Can Be Done to Mitigate Risk to Unemployment Compensation Under the 
CARES Act, Report No. 19-20-008-03-315 (August 7, 2020), 
https://www.oig.dol.gov/public/reports/oa/2020/19-20-008-03-315.pdf 
33 “Pandemic Response and Accountability: Reducing Fraud and Expanding Access to COVID-19 
Relief through Effective Oversight,” March 17, 2022, Hearing of the U.S. Senate Committee on 
Homeland Security and Governmental Affairs, Statement of Larry D. Turner, Inspector General, 
Office of Inspector General, U.S. Department of Labor, Report No. 19-22-003-03-315, 
https://www.oig.dol.gov/public/testimony/20220317.pdf 

 
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• Social Security Administration database verification;  
• multi-factor authentication;  
• report fraud portals;  
• claimant call-in lines;  
• additional fraud coding, such as suspense codes;  
• manual file reviews;  
• artificial intelligence-powered virtual assistance;  
• CAPTCHA33F34 testing;  
• foreign internet protocol checks;  
• deceased person checks;  
• multistate alerts;  
• data analytics;  
• predictive modeling;  
• new hire/incarceration/earnings cross-matches; and  
• fraud indicators for multiple phone numbers, emails, physical addresses, 
and bank account numbers.  
 
Despite these countermeasures, officials reported that the program’s vulnerability 
to fraudulent activity persisted, mainly due to a lack of comprehensive 
safeguards and the substantial volume of claims. For example, according to state 
officials, the increased level of UI claims meant that Benefit Payment Control34F35 
staff had to assist with processing claims. Additionally, state officials reported 
that the level of identity theft affected state efforts to detect other types of 
overpayments. Furthermore, Social Security Administration validation did not 
prevent fraud because certain fraudsters used stolen information to file claims. 
 
This susceptibility was evident nationally as 10.8 percent of PUA claims filed 
between April 1, 2020, and September 30, 2021, showed potential fraud 
indicators contrasted with the PEUC program’s 0.8 percent.35F36 These potentially 
fraudulent claims were determined through data analytics and have not 
undergone investigation, adjudication, or been confirmed to be fraudulent by a 
state agency. Although these markers can identify suspicious transactions, they 
cannot directly quantify the fraud rate in a specific program.  
 
 
 
34 CAPTCHA stands for “Completely Automated Public Turing Test to Tell Computers and 
Humans Apart,” which is a type of challenge-response test used in computing to determine 
whether the user is human. 
35 SWAs’ Benefit Payment Control units are responsible for promoting and maintaining the 
integrity of the regular UI program through prevention, detection, investigations, establishment, 
and recovery of overpayments.  
36 The OIG collaborated with Key & Associates for the analysis of fraud indicators. This was an 
effort to validate the trends in fraudulent activity as identified through statements provided by 
state officials. 

 
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For context, approximately 10.8 percent of the over 12 million UI claims 
submitted36F37 by the 53 SWAs to the OIG for testing raised red flags in three 
specific high-risk areas. These areas relate to individuals with Social Security 
numbers: (1) used to file UI claims with suspicious email accounts, (2) filed in 
multiple states, and (3) of deceased persons (see Table 4).37F38 In total, 
$16.9 billion in PUA and FPUC benefits paid to PUA claimants was associated 
with these indicators of potential fraud. See Exhibit 3 for more details on 
potentially fraudulent payments by state. 
 
 
Table 4: Potentially Fraudulent PUA Claims Submitted 
from April 1, 2020, to September 30, 2021 
 
Fraud Indicators 
PUA Claims with 
Fraud Indicators 
Fraud Indicators as 
% of Claims 
Submitted 
PUA and FPUC 
Funds Associated 
with Potentially 
Fraudulent Claims 
Suspicious Email 
774,343 
6.2% 
$9,377,103,284 
Multistate  
764,694 
6.1% 
$9,891,441,015 
Deceased  
35,021 
0.3% 
$314,002,198 
Total38F39 
1,357,745 
10.8% 
$16,931,494,609 
Source: OIG analysis of claims data for pandemic-related UI programs submitted by the 53 SWAs   
 
In contrast, when the OIG tested claims from the PEUC program, which required 
documentation to support employment status, 0.8 percent included fraud 
indicators (see Table 5). 
  
 
 
 
37 As part of a data disclosure process required to obtain information about pandemic-related 
unemployment insurance programs, such as the PUA and PEUC programs, SWAs submitted 
pandemic relief program claims data to the OIG. 
38 Fraud indicators were created by the OIG to flag potential incidents of fraud. Claimants with 
suspicious emails used the same email for multiple applications, used a temporary email address, 
or an email address with a common fraud technique. Multistate claimants applied for benefits in 
multiple states. Also flagged were claimants with Social Security numbers of a deceased persons.  
39 For awareness, claimants can be classified into several fraud categories at once. As a result, 
the aggregate of suspicious email fraud indicators, multistate fraud indicators, and deceased 
persons fraud indicators will not correspond to the total, given that certain cases might be 
included in multiple categories. 

 
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Table 5: Potentially Fraudulent PEUC Claims Submitted 
from April 1, 2020, to September 30, 2021 
 
Fraud Indicators 
PEUC Claims with 
Fraud Indicators 
Fraud Indicators as % 
of Claims Submitted 
PEUC and FPUC 
Funds Associated 
with Potentially 
Fraudulent Claims 
Suspicious Email 
50,671 
.6% 
$926,707,464 
Multistate  
5,626 
.1% 
$98,342,794 
Deceased  
11,183 
.1% 
$191,707,634 
Total39 
64,295 
.8% 
$1,166,066,804 
Source: OIG analysis of claims data for pandemic-related UI programs submitted by the 53 SWAs 
 
The elevated levels of fraud that the PUA program experienced can likely be 
partially explained by the fraud triangle. The fraud triangle suggests that, when all 
three components—opportunity, incentive, and rationalization—are present, 
individuals are more likely to engage in fraudulent activities. A review of the PUA 
program indicates exposure to all three components (see Figure). 
 
 
Figure: Fraud Triangle for the PUA Program 
 
 
Source: Key & Associates analysis of the PUA program 
 
While not all individuals who commit fraud are influenced by every 
element of the fraud triangle, the presence of these components can 
create a high-risk environment for fraudulent activities. More detail on the 
components of the fraud triangle related to the PUA program follows: 

 
U.S. Department of Labor – Office of Inspector General  
 
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• Opportunity: The self-certification aspect of the PUA program 
provided an opportunity for individuals to exploit the system and 
fraudulently obtain benefits. By allowing claimants to self-certify 
their own eligibility, the PUA program created a vulnerability of 
which some individuals took advantage. 
• Incentive: The PUA program, along with the FPUC supplement, 
provided a significant financial incentive for claimants, which could 
have increased motivation for fraudulent activity, attracting 
individuals who saw it an opportunity for easy financial gain. 
• Rationalization: The pandemic created a unique circumstance that 
could be rationalized by claimants as a reason to defraud the 
government. The economic downturn, job losses, and financial 
hardships experienced during the pandemic could have influenced 
individuals to justify their fraudulent actions as a means of survival 
or as compensation for their losses.  
 
Given the high rate of fraudulent activity and resultant fiscal impact, a 
more robust and comprehensive approach to safeguarding such 
programs, along with rigorous verification measures, is essential for future 
crisis-related unemployment assistance initiatives.  
MORE IS NEEDED TO ADDRESS CONTINUED 
PROGRAM VULNERABILITY AND HOLD CRIMINALS 
ACCOUNTABLE 
ETA and state officials stated that organized crime continues to focus on UI 
programs. They noted that the pandemic turned UI into a lucrative target for 
fraud, a trend that persists despite no longer being as prevalent as during the 
pandemic. These criminal groups adapt to countermeasures, shifting tactics and 
locations to exploit systemic weaknesses. 
 
OIG Office of Investigation officials reinforced ETA and states’ observations that 
organized criminal groups continue to target UI programs. Specifically, OIG 
officials stated: 
 
From April 2020 through June 2023, the Office of Investigations 
(OI) opened more than 200,000 investigative matters involving 
pandemic UI fraud. In response, during the same period, OI’s 
Special Agents have executed over 750 search warrants, 
supported the charging of over 1,350 defendants, and worked to 
secure over 700 convictions related to those matters. OI’s work in 

 
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this area has shown that many of the perpetrators that exploited the 
UI program were sophisticated cyber-enabled bad actors and 
criminal enterprises who misused stolen personally identifiable 
information to commit fraud. As evidenced by recent SWA reporting 
and OI case activity, fraud in the traditional federal-state UI 
programs has continued even after the expiration of 
pandemic-related UI programs. OI continues to see the same fraud 
typologies being committed by sophisticated cyber-enabled bad 
actors and criminal enterprises that it combatted during the 
pandemic. 
 
The threat level, while lower than at the peak of the pandemic, remains 
significant. Therefore, the regular UI program continues to be at risk, 
underscoring the urgent need for improved security measures and fraud 
prevention strategies.  
 
ETA has provided states guidance on methods to strengthen the integrity of the 
UI system. On July 13, 2023, ETA issued Unemployment Insurance Program 
Letter 11-23, which embedded guidance on both mandatory and recommended 
strategies, tools, and services for mitigating UI fraud within an announcement of 
grant opportunities for states. The program letter states:  
 
The Department encourages states to employ different fraud 
prevention and [identity] verification strategies at different points 
throughout the life of the claim…States must prioritize the 
investigation of claims having the greatest risks, and where 
appropriate, require the completion of evidence-based [identity] 
verification.  
 
Our review of the PUA program’s fraud indicators showed potential fraud of over 
$16.9 billion, significantly more than the $1.9 billion established and reported by 
the 53 SWAs (see Table 2 through Table 4).  
 
It is critical that states identify the additional PUA fraud soon given the most 
common statutes used to prosecute UI fraud have a 5-year limitation. As a result, 
the statute of limitations related to the majority of pandemic-related UI fraud 
cases will start to expire in early 2025, significantly limiting the recovery of UI 
funds and rendering unlikely the ability to hold the fraud perpetrators 
accountable.  
CONCLUSION 

 
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The states’ implementation of the PUA program played a significant role in 
providing crucial support to non-traditional claimants during the challenging 
period of the pandemic. The inclusion of self-certification as a means for 
claimants to establish their eligibility allowed states to streamline the payment 
process and deliver assistance to those in need. However, it is important to 
acknowledge that this approach came at a considerable cost to the federal 
government and taxpayers. 
 
Although the PUA program provided needed assistance to eligible claimants, it 
also empowered criminal organizations. Further, the level of overpayments could 
erode the public trust in continuing DOL programs. Finally, the funds 
misappropriated through fraud could have been used to support other vital 
programs or infrastructure projects.  
 
Striking a balance between providing necessary aid to people facing hardship 
and implementing safeguards to mitigate fraud and other financial losses 
presents a complex challenge. Prior to the next disaster or other mass 
unemployment event, DOL must prepare to provide timely benefits while 
simultaneously safeguarding taxpayer dollars. Furthermore, it is imperative that 
ETA collaborates with state authorities to counteract the criminals who continue 
to exploit the UI system. 
RECOMMENDATIONS 
We recommend the Principal Deputy Assistant Secretary for Employment and 
Training: 
 
1. Develop a document that captures lessons learned from the 
implementation of the pandemic-related UI programs that can be used to 
provide legislative technical assistance and operational guidance to 
Congress and states on any future emergency UI programs, including an 
assessment of fraud and fraud prevention methods in programs that allow 
for self-certification. 
 
2. Provide guidance to states regarding the criminal statute of limitations, 
which could impact the ability to criminally charge individuals that engaged 
in pandemic-related UI fraud. Guidance should recommend that states 
identify and promptly refer pandemic-related UI fraud cases for criminal 
investigation. This directive should also emphasize the importance of 
cooperation between states and law enforcement agencies, making 
specific reference to Unemployment Insurance Program Letter 04-17, 
Change 1 - Attachment I, concerning activity that must be reported to the 
OIG. 

 
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3. Work with Congressional stakeholders to inform them of the urgency of 
the statute of limitations concerning pandemic-related UI fraud. 
ANALYSIS OF MANAGEMENT’S RESPONSE 
In response to the report, ETA agreed with the recommendations and detailed its 
plans for corrective action. In addition, ETA provided technical clarifications, 
highlighted mitigating circumstances, and provided explanations about 
statements made by state officials. ETA’s response did not alter the report’s 
findings or conclusions. ETA also stated it was providing clarity for some 
statements in the draft report. For example, ETA stated “it would be clearer and 
more accurate to note that the CARES Act included a statutory provision that 
claimants self-certify their eligibility.” The report included detailed information on 
self-certification, including Congressional action, such that no related changes to 
the report were needed. However, we appreciate ETA’s efforts to ensure clarity 
of the report content. 
 
Further, ETA objected to the inclusion of information on the National Aeronautics 
and Space Administration and Job Corps that was provided in an effort to 
exemplify the magnitude of the $35 billion in established PUA overpayments, 
which, by definition, are improper. The inclusion of this information was not 
intended to criticize the design of the emergency UI programs or other federal 
initiatives but rather to spotlight the importance of ETA and states being prepared 
to distribute UI benefits during a surge in claims while simultaneously mitigating 
overpayments. We maintain that, with proper planning and preparation by ETA 
and states, overpayments are not inherently inevitable for emergency 
unemployment assistance programs, which offer critical support to American 
workers. 
 
In reviewing ETA's response to recommendation 3, we found the agency's claim 
that they lack authority over criminal statutes and statutes of limitations to be 
inadequate. A significant component of the criminal investigative process is the 
ordering and collection of restitution, aiming to restore the integrity of the affected 
program. As the primary agency managing this program, ETA should be at the 
forefront, urging Congress to extend the statute. This is crucial not only for 
deterring future fraudulent activities but also for reclaiming misappropriated 
funds. We believe that ETA must take proactive measures to ensure maximum 
recovery of fraud and guarantee appropriate criminal prosecutions. 
 
Management’s response to the draft report is included in its entirety in Appendix 
B. 
    
 

 
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We appreciate the cooperation and courtesies ETA extended us during this audit.  
 
 
 
Key & Associates, P.C.  
Washington, DC 
 
September 27, 2023 
 

 
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EXHIBIT 1: COVID-19-RELATED REASONS THAT AN 
INDIVIDUAL COULD RECEIVE PUA 39F40 
1. The individual has been diagnosed with COVID-19 or is experiencing 
symptoms of COVID-19 and is seeking a medical diagnosis. 
2. A member of the individual’s household has been diagnosed with 
COVID-19.  
3. The individual is providing care for a family member or a member of the 
individual’s household who has been diagnosed with COVID-19. 
4. A child or other person in the household for which the individual has 
primary caregiving responsibility is unable to attend school or another 
facility that is closed as a direct result of the COVID-19 public health 
emergency and such school or facility care is required for the individual to 
work. 
5. The individual is unable to reach the place of employment because of a 
quarantine imposed as a direct result of the COVID-19 public health 
emergency. 
6. The individual is unable to reach the place of employment because the 
individual has been advised by a health care provider to self-quarantine 
due to concerns related to COVID-19.  
7. The individual was scheduled to commence employment and does not 
have a job or is unable to reach the job as a direct result of the 
COVID-19 public health emergency. 
8. The individual has become the breadwinner or major support for a 
household because the head of the household has died as a direct result 
of COVID-19. 
9. The individual has to quit their job as a direct result of COVID-19. 
10. The individual’s place of employment is closed as a direct result of the 
COVID-19 public health emergency.  
11. The individual meets any additional criteria established by the Secretary 
for unemployment assistance under this section. 
 
 
 
 
40 The CARES Act, Section 2102(a)(3)(A)(ii)(I), allowed PUA claimants to self-certify that they are 
otherwise able and available to work, except that the individual is unemployed, partially 
unemployed, or unable and unavailable to work based upon certain COVID-19-related reasons. 

 
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EXHIBIT 2: REPORTED FUNDING, OVERPAYMENTS, AND 
RECOVERIES BY STATE 
Table 6: Reported Funding, Overpayments, and Recoveries by State 
from April 1, 2020, to March 31, 202340F41 
 
State 
PUA Funding to 
State41F42 
Established 
Overpayments42F
43 
Established 
Overpayments 
from Fraud 
Overpayment 
Recoveries 
National Total 
$131,656,637,328 
$20,039,284,550 
$875,667,946 
$1,533,056,225 
Alabama 
$353,520,500 
$35,837,674 
$3,063,420 
- 
Alaska 
$73,913,860 
$24,390,256 
$2,481,031 
$14,970,254 
Arizona 
$2,715,224,586 
$72,626,716 
$40,036,337 
$1,659,349 
Arkansas 
$462,241,429 
$88,083,179 
$116,195 
$27,886 
California 
$32,242,817,895 
$16,543,528 
$2,450,371 
$1,587,224 
Colorado 
$2,584,579,368 
$1,141,765,798 
$378,143,963 
$32,886,367 
Connecticut 
$659,781,789 
-43F44 
- 
- 
Delaware 
$128,152,500 
$686,508 
$161,771 
$58,811 
District of 
Columbia 
$180,229,335 
$1,736,730 
$2,211,288 
$537,934 
Florida 
$3,088,174,690 
$2,161,910,145 
$31,092 
$51,443,671 
Georgia 
$2,938,063,789 
$3,707,699 
$3,024,451 
$8,263 
Hawaii 
$735,274,045 
$333,287 
$10,888 
$8,127 
Idaho 
$129,682,509 
$15,860,897 
$1,883,155 
$3,943,348 
Illinois 
$4,558,661,678 
$1,056,913,552 
$16,219,546 
$19,081,566 
Indiana 
$1,403,467,209 
$318,129,995 
$2,985,026 
$17,892,329 
 
 
41 A hyphen (-) is applied in cells where states reports did not include required overpayment 
reporting.  
42 As reported on ETA’s website, “Families First Coronavirus Response Act and Coronavirus Aid, 
Relief, and Economic Security (CARES) Act Funding to States through March 31, 2023,” last 
accessed April 19, 2023, https://oui.doleta.gov/unemploy/docs/cares_act_funding_state.html. 
43 Overpayment and recovery amounts are based upon publicly available state reporting on the 
ETA 902P report. Information found at: https://oui.doleta.gov/unemploy/DataDownloads.asp. 
44 The OIG has previously reported that certain states have not completed required overpayment 
reports. See: COVID-19: States Struggled to Implement Cares Act Unemployment Insurance 
Programs, Report No. 19-21-004-03-315 (May 28, 2021), 
https://www.oig.dol.gov/public/reports/oa/2021/19-21-004-03-315.pdf; and Alert Memorandum: 
The Employment and Training Administration Needs to Ensure State Workforce Agencies Report 
Activities Related to CARES Act Unemployment Insurance Programs, 
Report No. 19-22-004-03-315 (August 2, 2022), 
https://www.oig.dol.gov/public/reports/oa/2022/19-22-004-03-315.pdf. 

 
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State 
PUA Funding to 
State41F42 
Established 
Overpayments42F
43 
Established 
Overpayments 
from Fraud 
Overpayment 
Recoveries 
Iowa 
$342,431,529 
$3,176,943 
$751,201 
$821,686 
Kansas 
$210,932,546 
- 
- 
- 
Kentucky 
$139,238,494 
$7,236,538 
$4,982,999 
$147,285 
Louisiana 
$1,007,173,411 
$35,013,277 
$468,659 
$1,757,409 
Maine 
$279,636,833 
$35,030,485 
$181,043 
$919,409 
Maryland 
$3,953,293,349 
$2,279,729,894 
$3,840,009 
$1,243,168 
Massachusetts 
$5,914,833,708 
$1,203,722,785 
$20,169,785 
$73,218,515 
Michigan 
$6,101,379,676 
$4,418,295,222 
$3,369,124 
$44,362,902 
Minnesota 
$1,009,678,400 
$18,563,013 
$1,773,779 
- 
Mississippi 
$408,799,689 
$71,296,150 
$2,261,399 
$5,614,709 
Missouri 
$542,384,156 
$79,771,116 
$2,713,468 
$3,830,577 
Montana 
$165,029,600 
$27,803,604 
$450,896 
$1,977,852 
Nebraska 
$81,903,329 
$13,419,425 
$146,730 
$1,853,827 
Nevada 
$1,381,205,279 
$544,659,269 
$7,090 
$11,248,203 
New 
Hampshire 
$184,235,029 
$39,984,733 
$595,500 
$1,140,727 
New Jersey 
$6,151,398,494 
$107,187,386 
$20,677 
$2,192,073 
New Mexico 
$483,292,087 
$188,633,143 
$3,978,799 
$24,256,055 
New York 
$17,920,959,415 
$96,275,805 
$68,050,894 
$25,612,801 
North Carolina 
$1,450,054,000 
$173,961,885 
$12,543,539 
$7,144,002 
North Dakota 
$71,754,513 
$11,762,913 
$124,628 
$1,253,898 
Ohio 
$5,126,853,237 
$2,638,823,176 
$168,955,042 
$108,069,961 
Oklahoma 
$263,937,191 
$11,819,369 
$294,096 
- 
Oregon 
$1,073,878,816 
$35,815,287 
$20,037,643 
$525,490 
Pennsylvania 
$10,982,000,310 
$1,184,932,327 
$53,984,863 
$78,181,785 
Puerto Rico 
$1,119,353,209 
$104,929,461 
- 
$3,461,750 
Rhode Island 
$670,672,965 
$10,891,297 
$461,514 
- 
South Carolina 
$548,233,738 
$27,661,556 
$9,717,158 
$5,969,022 
South Dakota 
$20,970,908 
$4,837,447 
$263,276 
$934,590 
Tennessee 
$676,050,130 
$9,571,221 
$4,925,662 
$1,719,912 
Texas 
$5,731,111,531 
$1,264,885,235 
$9,960,508 
$884,628,237 
Utah 
$85,780,985 
$4,445,540 
$1,299,135 
$1,901,222 
Vermont 
$191,809,617 
- 
- 
- 
Virginia 
$1,992,260,601 
$43,621,885 
$18,136,278 
$51,459,950 
Virgin Islands 
$33,573,461 
$2,583,562 
$698,037 
- 

 
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State 
PUA Funding to 
State41F42 
Established 
Overpayments42F
43 
Established 
Overpayments 
from Fraud 
Overpayment 
Recoveries 
Washington 
$2,538,174,647 
$346,178,549 
$1,190,217 
$35,483,332 
West Virginia 
$168,264,113 
$22,177,588 
$110,777 
$1,767,079 
Wisconsin 
$353,803,222 
$26,531,062 
$6,298,430 
$6,008,339 
Wyoming 
$26,509,928 
$5,530,438 
$86,557 
$245,329 
Source: Key & Associates analysis of public overpayment and recovery data, retrieved 
June 26, 2023 
 
 

 
U.S. Department of Labor – Office of Inspector General  
 
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EXHIBIT 3: POTENTIALLY FRAUDULENT BENEFITS 
INDICATORS BY STATE 
Table 7: Submitted Claims Data by State Associated with Fraud Indicators 
from April 1, 2020, to September 30, 202144F45 
 
State 
PUA and FPUC 
Benefits Reported 
by SWA 
Potentially Fraudulent 
Benefits 
Percent of Benefits 
Potentially 
Fraudulent 
National Total 
$224,858,725,838 
$16,931,494,609 
7.5% 
Alabama45F46 
- 
- 
- 
Alaska46F47 
- 
- 
- 
Arizona 
$7,970,139,262  
$1,376,330,363  
17.3% 
Arkansas 
$115,568,138  
$15,038,157  
13.0% 
California 
$67,869,154,548  
$6,414,869,424  
9.5% 
Colorado 
$1,713,932,921  
$170,408,221  
9.9% 
Connecticut 
$1,326,740,008  
$46,630,048  
3.5% 
Delaware 
$109,951,861  
$7,902,008  
7.2% 
District of Columbia 
$254,563,108  
$20,952,735  
8.2% 
Florida 
$6,875,828,882  
$335,899,799  
4.9% 
Georgia 
$4,471,063,612  
$324,044,079  
7.2% 
Hawaii 
$1,400,606,841  
$20,564,602  
1.5% 
Idaho 
$218,726,347  
$4,366,020  
2.0% 
Illinois 
$1,199,368,129  
$128,448,289  
10.7% 
Indiana 
$3,384,607,778  
$245,809,858  
7.3% 
Iowa 
$244,994,590  
$11,349,296  
4.6% 
Kansas 
$493,820,572  
$85,362,967  
17.3% 
Kentucky 
$442,895,361  
$30,194,595  
6.8% 
Louisiana 
$2,167,913,465  
$204,781,849  
9.4% 
Maine 
$865,644,791  
$35,589,996  
4.1% 
Maryland 
$6,828,460,702  
$687,730,998  
10.1% 
Massachusetts 
$9,463,400,031  
$311,247,869  
3.3% 
Michigan 
$16,339,540,751  
$1,027,852,252  
6.3% 
 
 
45 A hyphen (-) is applied in cells where the OIG does not have data. 
46 The State of Alabama submitted claims data that did not include PUA payments. 
47 The State of Alaska submitted claims data as required but did not break down the data by 
program. 

 
U.S. Department of Labor – Office of Inspector General  
 
NON-TRADITIONAL CLAIMANT UI PROGRAM 
 
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State 
PUA and FPUC 
Benefits Reported 
by SWA 
Potentially Fraudulent 
Benefits 
Percent of Benefits 
Potentially 
Fraudulent 
Minnesota 
$1,521,819,236  
$40,709,610  
2.7% 
Mississippi 
$1,164,127,491  
$111,248,818  
9.6% 
Missouri 
$1,381,549,584  
$76,909,040  
5.6% 
Montana 
$28,547,600  
$641,929  
2.2% 
Nebraska 
$224,090,675  
$8,960,403  
4.0% 
Nevada 
$1,045,638,640  
$178,554,516  
17.1% 
New Hampshire 
$380,925,915  
$7,511,148  
2.0% 
New Jersey 
$7,953,740,268  
$206,003,790  
2.6% 
New Mexico 
$363,535,335  
$28,189,799  
7.8% 
New York 
$36,959,767,657  
$1,264,572,705  
3.4% 
North Carolina 
$2,001,465,064  
$80,275,568  
4.0% 
North Dakota 
$42,762,654  
$1,798,980  
4.2% 
Ohio47F48 
- 
- 
- 
Oklahoma 
$258,445,888  
$15,919,682  
6.2% 
Oregon 
$12,793,535  
$356,266  
2.8% 
Pennsylvania 
$12,013,278,545  
$1,621,289,719  
13.5% 
Puerto Rico 
$3,787,502,324  
$544,454,540  
14.4% 
Rhode Island 
$1,214,504,366  
$93,440,983  
7.7% 
South Carolina 
$597,641,726  
$26,548,764  
4.4% 
South Dakota 
$49,454,363  
$1,685,005  
3.4% 
Tennessee 
$792,679,589  
$50,470,868  
6.4% 
Texas 
$12,208,792,612  
$805,059,960  
6.6% 
Utah 
$204,928,522  
$5,464,464  
2.7% 
Vermont 
$320,986,729  
$11,247,760  
3.5% 
Virgin Islands48F49 
$10,574  
- 
- 
Virginia 
$1,760,246  
$106,392  
6.0% 
Washington 
$5,533,192,514  
$187,905,983  
3.4% 
West Virginia 
$381,101,768  
$34,122,211  
9.0% 
Wisconsin 
$563,699,825  
$17,923,283  
3.2% 
Wyoming 
$93,060,895  
$4,748,998  
5.1% 
Source: OIG analysis of claims data for pandemic-related UI programs submitted by the 53 SWAs 
 
 
48 The State of Ohio provided PUA data; however, it was not processed in time for this report. 
49 The U.S. Virgin Islands provided PUA data; however, it was not processed in time for this 
report. 

 
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APPENDIX A: SCOPE AND METHODOLOGY  
SCOPE 
This audit primarily covered DOL and states’ implementation of the PUA program 
from March 27, 2020, to September 30, 2021. We examined the effect of 
self-certification on claims payments by testing PUA claims from March 27, 2020, 
to April 6, 2021. Our assessment focused on the impact of CARES Act 
requirements, allowing claimants to self-certify eligibility, and the CAA, which 
mandated claimants to provide documentation for the verification of employment 
or self-employment. Additionally, we extended the review to include the most 
recent UI overpayment data through March 31, 2023. 
 
We conducted this performance audit in accordance with generally accepted 
government auditing standards. Those standards require that we plan and 
perform the audit to obtain sufficient, appropriate evidence to provide a 
reasonable basis for our findings and conclusions based on our audit objective. 
We believe that the evidence obtained provided a reasonable basis for our 
findings and conclusions based on our audit objective. 
METHODOLOGY 
To address the objectives of this audit, we followed a systematic methodology 
that encompassed procedures conducted at both ETA and state levels to 
evaluate compliance with program requirements. 
 
The performance audit was carried out remotely, mainly using electronic 
methods like virtual meetings and a file transfer protocol site. Of the 53 SWAs 
with signed agreements to participate in the PUA program, the OIG selected 
10 SWAs for in-depth testing: the Commonwealth of Puerto Rico and the States 
of: Colorado, Illinois, Kansas, Maryland, Massachusetts, New York, 
Pennsylvania, Texas, and Utah. The OIG selected these 10 SWAs based on a 
risk analysis, including, but not limited to, funding amounts, law enforcement 
intelligence, congressional interest, and media reports. By focusing on these 
SWAs, we aimed to gain a comprehensive understanding of program compliance 
in diverse contexts. 
 
Additionally, we distributed surveys to the remaining 43 SWAs that had agreed to 
participate in the program. Of the 43, 21 responded to the survey request. 
Therefore, this report reflects 31 of 53 SWAs’ experiences (58 percent) during 
the audit period. These surveys allowed us to obtain relevant information about 
program implementation, further enhancing our assessment. 
 

 
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Our evaluation of state compliance encompassed several key areas, including 
the implementation of the CARES Act and related legislation, preparedness, 
initial eligibility determinations, continued eligibility determinations, improper 
payment detection, recovery efforts, and compliance with ETA’s oversight 
requirements. By thoroughly examining these aspects, we aimed to ascertain 
adherence to program guidelines and regulations. 
 
Using non-statistical sampling, we randomly selected 60 claimants for each of 
the audited states and tested payments made for: 3 periods; the initial claim; a 
payment prior to December 27, 2020; and a payment made after 
December 27, 2020. By testing these periods, we were able to garner an 
understanding of the self-certification process. 
 
Furthermore, we analyzed state-provided data sets to gain insights into 
occurrences of overpayments and claim denials. This examination of datasets 
enabled us to evaluate the effectiveness of program processes and identify any 
potential areas of concern. 
RELIABILITY ASSESSMENT 
We assessed the reliability of computerized data. We summarized the 
information provided by states and analyzed if the data was determined reliable 
for our purposes. Methods of determining reliability were dependent upon the 
availability of information at the state level. Primary methods of ensuring data 
reliability involved IT assessments, information reviews, interviews, inspections, 
comparisons, observations, walk-throughs, tracing, and policy reviews.  
INTERNAL CONTROLS 
A performance audit includes an understanding of internal controls considered 
significant to the audit objective and testing compliance with significant laws, 
regulations, and other requirements. In planning and performing our audit, we 
considered whether internal controls significant to the audit objective were 
properly designed and placed in operation. This included reviewing policies and 
procedures. We confirmed our understanding of these controls and procedures 
through interviews and the review and analysis of documentation. We evaluated 
internal controls used for reasonable assurance. Our consideration of internal 
controls for administering key pandemic-related UI programs would not 
necessarily disclose all matters that might be reportable conditions. 

 
U.S. Department of Labor – Office of Inspector General  
 
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CRITERIA 
• Public Law 116-136: Coronavirus Aid, Relief, and Economic Security 
(CARES) Act (March 27, 2020) 
• Public Law 116-260: Consolidated Appropriations Act, 2021, specifically 
Division N, Title II, Subtitle A, the Continued Assistance for Unemployed 
Workers Act of 2020 (December 27, 2020)  
• American Rescue Plan Act of 2021 (Pub. L. 117-2), specifically Title IX, 
Subtitle A, Crisis Support for Unemployed Workers (March 11, 2021) 
• Office of Management and Budget, “Transmittal of Appendix C to OMB 
Circular A-123, Requirements for Payment Integrity Improvement” 
(March 5, 2021) 
• Unemployment Insurance Program Letter 01-16, Federal Requirements to 
Protect Individual Rights in State Unemployment Compensation 
Overpayment Prevention and Recovery Procedures (October 1, 2015) 
• Unemployment Insurance Program Letter 16-22, Announcement of the 
Pandemic Unemployment Assistance (PUA) Improper Payment Estimate 
Reviews and the cancellation of the 2022 Benefit Accuracy Measurement 
(BAM) Paid Claims Peer Reviews (July 14, 2022) 
• Unemployment Insurance Program Letter 11-23, Announcement of Grant 
Opportunities and National Identity (ID) Verification Offering under the 
American Rescue Plan Act (ARPA) (July 13, 2023) 
PRIOR RELEVANT COVERAGE 
During the last 3 years, the OIG has issued 9 reports of significant relevance to 
the subject of this report. Those reports are the following: 
 
1. CARES Act: Initial Areas of Concern Regarding Implementation of 
Unemployment Insurance Provisions, 
Report No. 19-20-001-03-15 (April 21, 2020), available at: 
https://www.oig.dol.gov/public/reports/oa/2020/19-20-001-03-315.pdf;  
 
2. Alert Memorandum: The Pandemic Unemployment Assistance Program 
Needs Proactive Measures to Detect and Prevent Improper Payments and 
Fraud, Report No. 19-20-002-03-315 (May 26, 2020), available at: 
https://www.oig.dol.gov/public/reports/oa/2020/19-20-002-03-315.pdf; 
 
3. COVID-19: More Can Be Done to Mitigate Risk to Unemployment 
Compensation under the CARES Act, 
Report No. 19-20-008-03-315 (August 7, 2020), available at: 
https://www.oig.dol.gov/public/reports/oa/2020/19-20-008-03-315.pdf; 
 

 
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4. COVID-19: States Struggled to Implement Cares Act Unemployment 
Insurance Programs, Report No. 19-21-004-03-315 (May 28, 2021), 
available at: 
https://www.oig.dol.gov/public/reports/oa/2021/19-21-004-03-315.pdf; 
 
5. Alert Memorandum: The Employment and Training Administration (ETA) 
Needs to Ensure State Workforce Agencies (SWA) Implement Effective 
Unemployment Insurance Program Fraud Controls for High Risk Areas, 
Report No. 19-21-002-03-315 (February 22, 2021), available at: 
https://www.oig.dol.gov/public/reports/oa/2021/19-21-002-03-315.pdf; 
 
6. Alert Memorandum: The Employment and Training Administration Needs 
to Issue Guidance to Ensure State Workforce Agencies Provide 
Requested Unemployment Insurance Data to the Office of Inspector 
General, Report No. 19-21-005-03-315 (June 16, 2021), available at: 
https://www.oig.dol.gov/public/reports/oa/2021/19-21-005-03-315.pdf; 
 
7. Alert Memorandum: Potentially Fraudulent Unemployment Insurance 
Payments in High-Risk Areas Increased to $45.6 Billion, 
Report No. 19-22-005-03-315 (September 21, 2022), available at: 
https://www.oig.dol.gov/public/reports/oa/2022/19-22-005-03-315.pdf;  
 
8. COVID-19: ETA and States Did Not Protect Pandemic-Related UI Funds 
from Improper Payments Including Fraud or from Payment Delays, 
Report No. 19-22-006-03-315 (September 30, 2022), available at: 
https://www.oig.dol.gov/public/reports/oa/2022/19-22-006-03-315.pdf; and 
 
9. The U.S. Department of Labor Did Not Meet the Requirements for 
Compliance with the Payment Integrity Information Act for FY 2022, 
Report No. 22-23-006-13-001 (June 9, 2023), available at: 
https://www.oig.dol.gov/public/reports/oa/2023/22-23-006-13-001.pdf. 
 
 
 

 
U.S. Department of Labor – Office of Inspector General  
 
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APPENDIX B: AGENCY’S RESPONSE TO THE REPORT 
 

 
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REPORT FRAUD, WASTE, OR ABUSE  
TO THE DEPARTMENT OF LABOR 
 
 
 
 
Online 
https://www.oig.dol.gov/hotline.htm 
 
Telephone 
(800) 347-3756 or (202) 693-6999 
 
Fax 
(202) 693-7020 
 
Address 
Office of Inspector General 
U.S. Department of Labor 
200 Constitution Avenue NW 
Room S-5506 
Washington, DC 20210

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