Stochastic methods with quantum jumps are often used to solve open quantum system dynamics. Moreover, they provide insight into fundamental topics, such as the role of measurements in quantum mechanics and the description of non-Markovian memory effects. However, there is no unified framework to use quantum jumps to describe open-system dynamics in any regime. We solve this issue by developing the rate operator quantum jump (ROQJ) approach. The method not only applies to both Markovian and non-Markovian evolutions, but also allows us to unravel master equations for which previous methods do not work. In addition, ROQJ yields a rigorous measurement-scheme interpretation for a wide class of dynamics, including a set of master equations with negative decay rates, and sheds light on different types of memory effects which arise when using stochastic quantum jump methods.