Your unemployment benefits payments aren't part of your Earned Income and don't count for Earned Income Tax Credits. Also, the higher earned income sometimes gives you a higher EITC. It all depends on your particular situation. Making the selection you are giving TurboTax a choice to use your 2019 or 2020 Earned income for calculating your EITC and the software automatically will chose the one which gives you a bigger refund.
