| Sometimes with all the options available | | | | protect the local economy. Just because you |
| getting to what you need can be quite a task | | | | are out of work, does not automatically mean |
| Especially when it comes to finding out what | | | | you will be eligible. You need to have enough |
| benefits you are eligible for. In this | | | | wage credits and clear of misconduct. Finding |
| article we will look at some of the most | | | | out what you are entitled to can be |
| common types of employment insurance benefits | | | | complicated however, in the end it is worth |
| and how you qualify. We will also look at | | | | it. another job. |
| types of behavior that can cause you not to | | | | |
| be able to claim your full benefits. | | | | The advantages to having unemployment |
| | | | insurance is to help unemployed workers meet |
| Unemployment insurance exists to help the | | | | their financial obligations and to help |
| unemployed meet their financial obligations | | | | sustain local communities. If a larger |
| and purchase goods and services. Everyone who | | | | portion of a workforce is laid off or fired |
| has accumulated enough wage credits in their | | | | small towns and communities suffer also. Not |
| current job is eligible for unemployment | | | | only does regular wages pay bills and |
| insurance. What you receive is calculated | | | | mortgages they also purchase goods and |
| based on your earnings. Usually the last 4 or | | | | services. When wages paid to the workforce |
| 5 wages quarters is looked at to help | | | | suddenly stop the local economy can suffer. |
| determine the amount. | | | | You are allowed to spend the money from |
| | | | unemployment insurance on what you choose. |
| To qualify for unemployment insurance | | | | There are no rules forcing you to pay your |
| benefits you must be able to work, willing to | | | | essentials first. This helps some of the |
| work, and actively seeking work. Your | | | | money to reach the local economy. |
| employer must approve your earnings. If there | | | | |
| is a discrepancy in the amount you claim | | | | Unemployment insurance or compensation is |
| versus the amount the employer states you | | | | calculated by your previous earnings. It is |
| earned, it is their responsibility to prove | | | | not based on your needs. Different states |
| it. | | | | apply different formulas but your |
| | | | unemployment insurance will be in line with |
| The amount of time you can claim unemployment | | | | your previous income. |
| insurance can vary according to the state you | | | | |
| live in. There is the possibility of extended | | | | There are some disadvantages to unemployment |
| benefit as well. Sometimes, in times or in | | | | insurance. Sometimes you have to make a |
| areas of high unemployment, the state and | | | | judgment decision on accepting a new job. You |
| local government will allow for an extension | | | | can accept a new job for less money. As soon |
| of unemployment insurance benefit to be | | | | as you accept the new job your unemployment |
| issued. However, if you were discharged from | | | | benefits stop. However, if you do not accept |
| your previous position for misconduct or left | | | | the new job you will be putting yourself at |
| though your own accord, you may have | | | | risk. Unemployment can only be claimed for a |
| difficulty in qualifying. | | | | limited period of time. Depending on where |
| | | | you live it could be 6 months to a year. So |
| Unemployment insurance is designed to keep | | | | as you can see you could be risking a future |
| people in their current lifestyles and | | | | income. |