The restaurant I am employed with has been closed for over a month now due to flooding. We were expecting it would be closed for two weeks, MAYBE, but it has turned out to be much longer.

My boss told those of us who work full time that we can file for unemployment insurance, as well as disaster relief. I was waitressing 6 days a week.

So, while I wait for the restaurant to re-open (which will hopefully be in the next few weeks) I have been selling some things that I can do without, babysitting for families as much as I can, and now just this week I have decided to file for unemployment and the disaster relief.

The unemployment is something that will effect the weeks from now until I am able to work at the restaurant again, and the disaster relief is back pay for this past month.

My questions:

Is unemployment or disaster relief something that I pay back, like a loan, or is it more like a "grant." – For lack of better metaphor?

Will this increase the taxes I pay month to month? I told them to take income tax out of the checks right away.

Will this affect my credit score?

Thank you for any info you can provide.

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