Qualifying for Unemployment
To thousands of out-of-work Americans, living from paycheck to paycheck sounds like a luxury.
And for many jobless, even living off unemployment benefits would be a welcome blessing.
Typically, only about one-third of jobless receive unemployment insurance checks, but in recessionary times, the percentage pushes higher, to about one-half, notes Wayne Vroman, economist at the Urban Institute.
Whether the unfortunate jobless are fortunate enough to receive unemployment benefits depends on the rules in their state -- and whether they even pursue the checks.
No more unemployment lines?
Being jobless isn't pleasant, and neither is trudging down to the unemployment office to claim benefits.
Many states, however, now let you apply online or by phone, making it easier to file an unemployment insurance claim.
A 2005 study showed that half of people who don't apply for benefits didn't because they thought they were ineligible, says Vroman.
But if you're unsure if you'll qualify, it can't hurt to apply, notes Paula Brantner, executive director of Workplace Fairness.
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