Laid off ? How about no unemployment Insurance !

**smcc** · April 10th, 2009, 05:01 AM

This article ia truly an eye opener

http://www.usatoday.com/money/econom...benefits_N.htm

In essence if you haven't worked long enough you don't get it (unemployment compensation) even if you are laid off.

Ironic isn't it, your employer is mandated to pay into the insurance but because you haven't worked long enough, you might be out of luck !

**Brian23** · April 10th, 2009, 09:33 PM

That is really sad.... It's crazy all the stuff that's going on these days with the economy....

**Meya** · April 11th, 2009, 02:16 AM

From my understanding isn't it like 3 months- 6 months unless you are with construction or something in that manner? My husband is a construction worker and they are already programmed to be paid through unemployment for the unforeseen or laid off. It kicks in automatically.

**smcc** · April 11th, 2009, 05:01 AM

Meya I see the problem as follows:

Assuming your right, lets say your 1 day shy of 6 months and get laid off, you get nothing.

If this is the case why not "pro rate" the unemployment compensation based on the number of days worked at your employer instead of a minimum 3 or 6 months? If you only work a month and get laid off then that individual would be pro rated his benefits. Something is better than nothing.

**Meya** · April 11th, 2009, 02:54 PM

True, but I guess they are making it seem like there is a probation period before you can get unemployment. I have sen that on some life insurance....lol. But for real, I do believe that there is some type of probation period, which every employee must complete before being qualified for unemployment. I do know that if you exhaust your employment, you can receive it again if you were employed for like 30 or 45 days after exhaution....something like that. Correct me if I am wrong.

**KMoney** · June 4th, 2009, 10:33 AM

Originally Posted by Meya

True, but I guess they are making it seem like there is a probation period before you can get unemployment. I have sen that on some life insurance....lol. But for real, I do believe that there is some type of probation period, which every employee must complete before being qualified for unemployment. I do know that if you exhaust your employment, you can receive it again if you were employed for like 30 or 45 days after exhaution....something like that. Correct me if I am wrong.

No you are absolutely correct but here is the catch in order for you to collect, the employment must fall within the quarters of your previous employment. Meaning if you only worked for your employer for like 6 months to 1 year when you apply your employment may not be in the particular quarter (1st quarter, 2nd quarter 3rd quarter). If you have worked for a number of years then the likely hood of reapplying and getting approved for additional benefits is great. I know I am not explaining it right but that is how the letter was explained to me when I reapplied and was approved for additional benefits.

**Meya** · May 11th, 2009, 07:35 PM

5/11/2009

**smcc** · September 4th, 2009, 05:58 AM

I saw this article today in USATODAY and wanted to share this with everyone

http://www.usatoday.com/money/econom...ning-out_N.htm

White/Blue Collar no one is exempt from losing their benefits, for all that are still employed, you are blessed, for those looking for work and who believe in a higher power, God hasn't forgotten you, things will get better !

**Wanderer** · February 28th, 2010, 02:42 PM

joeyman - It feels good to be debt free. In another post a mention was made that you might want to have a "rainy day" fund just in case. There are ideas around about how much. Three to four months of living expenses has been thrown out. It used to be six months of easy to get at cash especially if one is short on employment. Food for thought. I have faced unemployment several times and having some cash stashed has helped!

**smcc** · February 28th, 2010, 03:29 PM

You know wanderer I always thought it was six months of savings should you get laid off with most of society being 1 paycheck from really being in trouble.

Scary thing is with most high unemployment states nearing 104 weeks of unemployment most will buckle down, live within their unemployment checks and hope that within 2 years they will have another position. Nevertheless your opinion is correct save as much as you can while you can but depending on where you live you can look to almost 2 years of unemployment if need be

**kdb030609** · February 28th, 2010, 04:34 PM

Yeah the amount of savings you need. In the unfortunate event of unemployment . Can be a difficult thing to prepare for financially ! Especially in the current economy of rises prices and stagnating wages. It sounds like a nice plan but not very feasible for most people. Even six months savings isn't enough for a lot of people. I know alot of the people. That were laid off where I work are still out of work. Some have been out of work 15 months others 12 months. As an example when the layoffs happened we were still busy. The company immediately decided to cut back. Blame it on the news media and all there doom and gloom. Not to be insensitive to those who have found themselves unemployed. However there are still a large group of us still working. The glass is half full not half empty.