Hey, there is absolutely, positively nothing wrong with this.
In fact, I believe that in the majority of cases, it is a blessing.
First, you didn't lose your job.
You know exactly where it is.
Now you are no longer a slave to it any more.
Second, there are ways to help you supplement your financial input while you adjust to your new lifestyle and decide which direction in life is right for you.
When you lose your job, unemployment benefits can provide temporary financial assistance.
It can help you pay the bills while you look for a new career.
Unemployment insurance is a hybrid program between the federal government and state governments but administered at the state level.
The insurance pools (that's right, this is unemployment INSURANCE) are funded by both employers and employees.
Both employers and employees must pay a percentage of the employee's pay to the state and federal unemployment insurance funds.
The federal rates are set by Congress but the state rates are set at the state level by each state.
You and the company you worked for paid this money into the system while you were employed.
If an employee is fired from a job for cause, generally no unemployment benefits can be drawn.
At times, hearings will be held to determine eligibility when an employer claims a firing was for cause and the employee disputes this.
It is my opinion (remember, everyone has one), that most larger companies will not spend the time to defend uninsurance claims so even if there might be a cloud on how you became unemployed, and you have the time, you might find it helpful to pursue an unemployment insurance claim.
The benefits are not going to sustain your previous lifestyle but every little bit helps right?
In addition to being unemployed from no fault of their own, employees must generally show that they are actively seeking employment.
Most states have created agencies to help individuals drawing unemployment benefits find a new job.
- Find out if you qualify to receive benefits. Individual states determine eligibility. Your State Unemployment Insurance Office can tell you if you qualify and how to apply if you do.
- Gather the documents and the information you need to file your claim. You will need your Social Security number. You will also need a list of past employers, their addresses, and your dates of employment.
- Apply for unemployment benefits through your State Unemployment Insurance Office, which may allow you to apply online, by phone or in person. Apply as soon as possible since it may take a while to receive your first check.
- Register with your state's Employment Services Office. You can receive free services that include help with your resume, job interview help, career counseling, access to local job listings and job training.
- Claim your weekly or bi-weekly benefits. In many states you can do this online or by phone. It is important to follow your state's directions for claiming your weekly benefits so you don't miss payments.
- Appear at your Unemployment Insurance Office when you are requested to do so. Be on time for all appointments.
- Look for a job. To maintain your benefits you must actively look for a job and not turn down any suitable offers. Taking a part-time job may not mean your benefits will end, as long as you don't earn over a certain salary, as determined by individual states. Check with your unemployment insurance office for details.
- Contact your State Unemployment Insurance Office for information specific to applying for unemployment insurance benefits in your state.
- The amount recipients of unemployment insurance benefits receive is based on a percentage of the individual's earnings over a 52-week period. The amount will not exceed a maximum benefit amount that varies by state.
- Benefits can be paid for up to a maximum of 26 weeks in most states, although additional weeks of benefits may be available during periods of high unemployment.
State Unemployment Insurance Sites
Below are links to the division or department for each state that administers unemployment benefits.
- Alabama Unemployment Compensation
- Alaska Unemployment Insurance
- Arizona Unemployment Benefits
- Arkansas Unemployment Application
- California Unemployment Insurance
- Colorado Unemployment Benefits
- Connecticut Unemployment Benefits
- Delaware Unemployment Insurance
- District of Columbia
- District of Columbia Unemployment Compensation
- Florida Unemployment Compensation
- Georgia Unemployment Benefits
- Hawaii Unemployment Insurance
- Idaho Unemployment Insurance
- Illinois Department of Employment Security
- Indiana Unemployment
- Iowa Unemployment Insurance Services
- Kansas Unemployment Insurance
- Kentucky Unemployment Insurance
- Louisiana Unemploymen Insurancet
- Maine Unemployment Benefits
- Maryland Unemployment Insurance
- Massachusetts Unemployment Assistance
- Michigan Unemployment Insurance Agency
- Minnesota Unemployment Insurance
- Mississippi Unemployment Services
- Missouri Division of Employment Security
- Montana Unemployment Insurance Division
- Nebraska Department of Labor
- Nevada Employment Security Division
- New Hampshire
- New Hampshire Unemployment Compensation
- New Jersey
- New Jersy Unemployment Insurance Benefits
- New Mexico
- New Mexico Unemployment Insurance
- New York
- New York Unemployment Insurance
- North Carolina
- North Carolina Employment Security Division
- North Dakota
- North Dakota Workforce Connections
- Ohio Unemployment Benefits
- Oklahoma Unemployment Insurance
- Oregon Unemployment
- Pennsylvania Department of Education
- Puerto Rico
- Puerto Rico Unemployment Insurance
- Rhode Island
- Rhode Island Unemployment Compensation
- South Carolina
- South Carolina Unemployment Compensation
- South Dakota
- South Dakota Unemployment Insurance
- Tennessee Employment Security Division
- Texas Unemployment Claim Division
- U.S. Virgin Islands
- U.S. Virgin Islands Unemployment Insurance
- Utah Unemployment Insurance Benefits
- Vermont Unemployment Insurance Division
- Virginia Employment Commission
- Washington Employment Security Department
- West Virginia
- West Virginia Unemployment Compensation
- Wisconsin Unemployment Insurance
- Wyoming Unemployment Insurance Services
1. There is no shame in collecting unemployment insurance.
You are entitled to it.
It is yours for the taking.
You paid into the system all of these years so why not let the system help you a little bit.
2. These are the best years of your life.
Don't stress over money.
Find creative ways to make money that will supplement your current financial condition until you find your passion and it is supporting you.
If you found my blog helpful, interesting or even funny I bet your friends would to.
It's easy to tell them about it.
Forward it on to them or just email them my blog link at www.survive55.com.
It would be great if you told everyone you knew about Survive55.com.
The more Baby Boomers we can help, the better place we make this world !!!
Thanks for joining me..........................................................