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In March 2020, the federal government has announced a comprehensive financial aid known as the Coronavirus, Assistance, Relief, and Economic Security (CARES) Act. It included several provisions, one such being the Federal Pandemic Unemployment Compensation (FPUC) program. Under the FPUC program, the eligible could receive an additional $600 unemployment benefits a week. 

The extra $600 unemployment benefits were scheduled to end on July 31. But now the Department Of Labor (DOL) has announced that benefits will be paid through the week ending July 25 or 26. The program is expected to end on July 25 in all states except New York. In New York, it is expected to end on July 26. 

Once the extra $600 unemployment benefits per week expires, the traditional unemployment payment, which varies from state to state, will return to below $400 a week. This is a significant blow to those counting on additional benefits to meet their basic needs.  

Why Is $600 Unemployment Benefits So Important To Americans?

Since March 2020, more than 40 million Americans have lost their jobs due to the Coronavirus-induced economic shutdown, and have applied for unemployment benefits. Even as businesses opened, as per the reports of the DOL, about 1.5 million people have filed an unemployment claim in the week ending June 20, taking the tally to 44 million. 

For millions of households, the Unemployment Insurance, especially the additional $600 benefits, has acted as a financial lifeline and stay afloat amidst layoffs and recession. But if the states end the program, it could have dire consequences for those families dependent on the extra benefits they are currently receiving. 

That is because many families have already exhausted their benefits they received with an expectation that they would receive benefits till July 31. With the FPUC program ending on July 25 or 26, households will continue to receive the standard amount, which is below $400.

Will $600 Unemployment Benefits Get Extended?

The answer, Depends. As per the CARES Act, the $600 unemployment benefits are expected to end in July 2020. However, under the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act, the unemployed can collect the benefits until January 2021. 

However, it must be noted that the House of Representatives passed the HEROES Act, but the Senate has approved the bill yet.  

How To Prepare To Cope-Up With The Smaller Payment During The Crisis?

Since the additional $600 unemployment benefits last in a few weeks, it is wiser to save the emergency fund to be able to meet the end needs.  

1. Cut Down Unnecessary Expenses 

Identify areas where you can cut down unnecessary expenses and monthly bills. Instead, you can save or use that money to pay other essential bills. For instance, if you have monthly streaming subscriptions and cable, you can cancel one of the services. You could also go for a free trial period for the time being. 

You can save huge amounts of money spent on food by preparing meals at home instead of ordering food. Also, you can use a cash-back card and get a bit of money back when you purchase groceries.

2. Broaden Job Search

By broadening your job search, the chances are high that you find one relatively faster. If you are willing to relocate, look for suitable positions in some other state. If you have skills that suit fields other than yours, then you can consider changing your existing field. For instance, AI technology finds its application in many fields, including health care, gaming, etc. 

3. Stay Updated On Relief Measures 

Since unemployment is rising despite reopening the economy, there is a possibility that the federal government or lawmakers may extend the additional benefits or announce some financial aid. Therefore, it is wiser to keep yourself updated with the latest developments. 

Final Words

With the FPUC program ending next month, let’s see if the states have to offer any other benefits to the unemployed in addition to the regular UI benefits. Until that, follow the measures mentioned above and prepare yourself to meet your needs with the standard UI benefits. 

 

The Department Of Labor provides Unemployment Insurance (UI) benefits if you lose your job through no fault of your own. But the question is, can you collect your unemployment if you quit a job? The answer, Depends. 

If you quit your job voluntarily without good cause, you cannot collect your unemployment benefits. But if you had a good reason as defined by your state, you may qualify for benefits. 

Good Cause To Quit Your Job

There may be several good reasons for leaving a job. But not all entitle you to qualify for benefits. You have good cause to leave a job if, in the same situation, any ordinary person would have left his/her job. 

Reasons Considered As Good Cause

Some of the good cause include:

1. Medical Reasons

You have a good reason to quit your job when you have a medical condition, and continuing to do that particular job could worsen your condition. To receive unemployment benefits, you must prove that:

  • You had major medical reasons to leave your job
  • Even though you have medical conditions, you are capable and available to take up some job
  • You had notified your employer about your health before quitting and gave them sufficient time to find a replacement

2. Unacceptable Working Conditions

Unacceptable working conditions/environment is a good cause to quit a job. However, simply being unhappy with the working conditions cannot be considered as a good cause. For working conditions to be good cause for leaving your job, you must prove that:

  • Unsafe working conditions 
  • Your employer is not paying you
  • You were tricked about the working conditions
  • You were not aware of the workplace condition when you took up the employment
  • Your employer changed the working conditions without your consent or knowledge
  • Offensive behavior by your supervisor, coworkers, or employers such as discrimination based on gender, age, or race, unfair allegations, or profanity at work

3. Family Problems

Family problems can be considered a good cause for quitting a job, provided you have informed your employer about it and taken the necessary steps to fix it. For example, you have a child and haven’t found a babysitter to give childcare, and hence are required to leave your job to provide care by yourself. 

You may also receive unemployment benefits if your spouse was transferred, and you quit your job to follow your spouse. However, if your spouse voluntarily transferred, you cannot qualify for benefits. 

4. Transportation Problems

Transportation problems can be a good cause to quit a job if you have lost access to your transportation or your employer has relocated the workplace, and you cannot travel to the new location. However, you must take the suitable steps to overcome the problem and keep your employer informed about it. To determine if the transportation problem is a good cause, the state will consider:

  • If the traveling time has been increased
  • If traveling expenses has been increased 
  • Whether your employer is providing you reimbursement for additional expenses
  • Whether you have looked for alternative means of transportation, like public transportation, carpooling, etc. 

Note that some states pay benefits only if one had job-related problems to leave a job, and some others may also consider personal problems as good cause. To determine your state defined good cause, talk to authorities at your state’s unemployment benefits agency. 

What Is Not Counted As A Good Cause?

Some of the reasons that are not considered as good cause for quitting a job include:

  • Took new job without informing an employer in advance
  • Chang career options
  • Get married
  • Attend school
  • Job abandonment
  • Quitting in anticipation of discharge

Unemployment If You Quit Your Job: Should You Present Proof Of A Good Cause?

When you quit your job voluntarily, you will be required by the law to show proof of a good cause to collect unemployment benefits. You should also describe the circumstances that forced you to quit and the measures taken to resolve problems. 

If you quit due to health conditions, then statements from your doctor can help you prove that you were genuinely unwell or had health problems. 

Closing Thoughts

Before quitting, give your best to resolve the issue. However, if you are unable to resolve them and are forced to leave the job, make sure you keep detailed records of emails, or other communication you had with your employer. Remember, the evidence you provide plays a vital role in deciding the approval or rejection of your UI benefits.

Kansas is one of the states worst affected by the measures taken to curb the COVID-19 pandemic. According to the reports of the Bureau of Labor Statistics, the Kansas unemployment rate in May was 10.0%. To help the unemployed, the state offers Unemployment Insurance (UI) benefits. Generally, the unemployment benefits last between 16 to 26 weeks. But due to the ongoing crisis, the authorities at the Department Of Labor have extended unemployment benefits in Kansas. The extension took effect on June 7, 2020. 

Extended Unemployment Benefits In Kansas

Under the extended unemployment benefits program, the state provides benefits to qualified people for an additional 13 weeks. The new extended unemployment benefits would follow the end of the regular benefits as well as Pandemic Emergency Unemployment Compensation (PEUC) benefits.

That is to collect the payment under the extended unemployment benefits program, one should exhaust benefits received under both regular and PEUC programs. 

The self-employed, independent contractors, gig workers, etc. who qualify Pandemic Unemployment Compensation (PUA) can also collect payment under extended unemployment benefits. 

Who Qualifies For Extended Benefits?

To be eligible for extended benefits in Kansas, you must meet several requirements. Some of them are listed below. 

  • You are still unemployed
  • You have exhausted both regular UI and PEUC benefits
  • You are able, available, and actively seeking for a job
  • You have earned at least 2 of 4 quarters in your base period
  • You must submit a log of work searches

How To Apply For Extended Benefits?

If you are already collecting his/her unemployment benefits, you need nor reapply for the extended benefits in Kansas. The authorities at the Department Of Labor will use the same details that were used to give traditional UI benefits and Pandemic Emergency Unemployment Compensation. However, if you are recently unemployed or are not receiving benefits, then you must first apply for regular unemployment benefits. 

You can apply for unemployment benefits in Kansas online or by phone. When filing a claim online, you will be required to enter several details such as:

  • Name
  • Address 
  • Contact details
  • Address of the employer 
  • Social Security Number
  • Driving license 

Filing Unemployment Benefits By Phone

If you cannot file online, you can apply by dialing the Kansas Unemployment Contact Center. But you must be prepared to hold for a longer duration if he/she applies on Monday and Tuesday. This is because the Contact Center receives a maximum number of calls on Monday and Tuesday.

There are certain circumstances where you must file a claim by phone. They include:

  1. You have filed an unemployment benefits claim with another state in the last 12 months
  2. You have worked in another state in the past 18 months
  3. You were a federal employee or has served in military service in the past 18 months

After the application is submitted, the DOL will send an Unemployment Insurance Monetary Determination notice. The notice includes your incomes during your base period and provides the weekly benefit amount.

What If Claim Gets Rejected?

Sometimes despite meeting the requirements, the claim may be denied for unknown reasons. In such situations, you will have 16 days to apply for an unemployment appeal. You can appeal to the Office of Appeals of the Kansas DOL. 

The authorities will review your appeal and schedule a hearing before an Unemployment Insurance Judge. The hearing can take place either over a call or face-to-face. You can present witness testimony and evidence, if any, at the hearing. The judge will then give his decision.

Kansas has multiple levels of hearing. If you are not happy with the decision of the judge, you can re-appeal it to the Employment Security Board of Review. If you disagree with its decision, you can apply for an appeal in the state court.

The extended unemployment benefits in Kansas will be made available by the month-end. If you have any further queries, contact the Department Of Labor. 

 

The unemployed in the United States can collect Unemployment Insurance (UI) benefits. But when they return to their work or earn an equal or more than benefit amount, they should stop claiming benefits. However, under unfortunate circumstances, if they lose their job again, they can reopen an unemployment claim and collect weekly benefits. 

In this article, we will walk through the process involved in reopening the claim. But before that, let’s have a look at situations under which you can reopen a claim. 

When Can You Reopen An Unemployment Claim?

You can reopen an unemployment claim under any one of the following circumstances.

1. Laid Off

If you are laid off or furloughed again after returning to work, you can reopen an existing unemployment benefits claim. Before trying to reopen the claim, contact your state’s unemployment office to determine you are eligible to reopen the existing claim or are required to file a new one. 

If you have not worked for the entire week for which you are filing a claim, you can reopen your claim without a waiting period, provided your state has that provision. However, if your state does not have this option, you would have to wait for one full week without a job before collecting benefits.

2. Fired From Work  

You can reopen your claim if your fired from work or forced to quit. But if you are terminated for misconduct, you won’t qualify for unemployment benefits. When you are fired, first, contact your state’s unemployment office and determine if you can reopen your previous unemployment claim or file a new one.

Note that your state may allow you to reopen the claim based on several aspects of your case. Also, similar to being laid off, if you have not worked for a full week for which you are claiming, you will have to wait for one entire week to collect benefits.

3. Reduced Work Hours

When you have a full-time job, you cannot file an unemployment claim. However, if your employer has reduced your working hours, you can reopen and collect your unemployment benefits. But note that under such circumstances, you can claim only partial unemployment and not regular UI benefits. Depending on your state guidelines, you may be required to wait for one entire week to collect your partial unemployment benefits.

4. Unsafe Working Conditions

You can reopen your previous unemployment claim if you have voluntarily quit your new job due to unsafe working conditions. However, while reopening the claim, you must have evidence and prove that your workplace was indeed unsafe. 

Note that despite applying for a claim soon after leaving your job, you may be required to wait for one full week before collecting your benefits. 

Reopening an unemployment claim depends on the year the claim was initially opened. For instance, let’s assume that you had opened an unemployment claim in 2019 but got a job later in that year, and again lost the job in the same year. In such cases, you can reopen the previous claim. But if you lost your work in 2020 and want to collect benefits, it will be considered as refiling a claim. 

How To Reopen An Unemployment Claim?

The steps involved in reopening an unemployment claim varies from state to state. Some states may allow its citizens to reopen and file a claim online with their previously assigned Personal Identification Number (PIN) and username. Other states may require you to call and talk to the representatives at the unemployment office. 

Reopening A Claim Online 

To reopen your unemployment claim online, follow the below-mentioned steps.

Step 1 – Log in to your UI account and choose to reopen your claim. 

Step 2 – Fill all the details and answer all the questions asked by the Department Of Labor (DOL). This allows DOL to determine your eligibility. 

Step 3 – Review and submit the details. On applying, you may get a confirmation notice/letter. Save it for future records.

Some states like California may also allow you to reopen a claim by fax or mail. 

Final Words

By reopening your unemployment claim you can meet your financial meets temporarily. However, in the mean time make sure you look for a job that let’s you earn good income and help you be financially stable.

 

The federal government provides Unemployment Insurance (UI) benefits to the unemployed to temporarily meet their financial needs. The benefits will be provided to only those who lost their job through no fault of their own. The benefits can be collected by people belonging to any industry, including (but not limited to) retail, manufacturing, construction, etc. But can people from educational institutions also collect UI benefits? 

Unemployment Insurance For Educational Employees

Under federal law, educational employees do not qualify for unemployment benefits during traditional break periods if they have “reasonable assurance” that they will return to work after the break. 

However, if they do not have any “reasonable assurance” that they will return to work after the break, then they may be eligible for the UI benefits. 

Definition Of Educational Employees

Educational employees are people working for any level of the educational institution, including higher education and K-12. This includes administrators, teachers, librarians, principals, custodians, bus drivers, and professors.

Eligibility Criteria 

To qualify for unemployment benefits, educational employees must clear three eligibility tests.

Test One – Does the situation meet the prerequisites like:

  • Is the future job at the same level and capacity as the applicant’s current job?
  • Is there any authentic oral, written, or implied offer by an authorized person to offer a job? 
  • Is the compensation at least 90% of the present job? 

If the answer is no to any of the listed questions, the employee can apply for an educational employment claim. 

Test Two – Is there a contract?

  • Is the contract non-contingent? 
  • Is the contract legally enforceable? 
  • Is the contract for an annual period or academic year?

If the answer is no to any of the listed questions, the employee can file for unemployment insurance benefits. 

Test Three – Is there reasonable assurance?

  • Will the job be available after the break?

If the answer is no, the employee can file for the unemployment benefits. 

How Can Educational Employees Apply For Unemployment Benefits?

The employee must file an unemployment claim with 7 days of the last working day if he/she

was notified about being laid off, and he/she does not have any written reasonable assurance of returning to work when school reopens. 

Unemployment Insurance for educational employees can be applied in two ways.

(1) The claim can be filed online by visiting the respective state’s Department Of Labor (DOL) website.

(2) By directly calling the authorities at Tele-Center at a toll-free number. For instance, employees living in Texas can reach 800-939-6631. 

While filing for unemployment insurance for educational employees, the applicant, be it a teacher or other employee, should provide certain details. They should also be prepared to answer several questions, such as:

A. In the recent academic term/year, have you been employed by an educational institution or school?

B. Is this a term break period or summer vacation? If the applicant is a school employee filing the claim May through August, then he/she is required to answer “Yes”

  1. Are you employed by a:
    • Private School
    • City/Town
    • College/University
    • Daycare or Preschool
  2. Your title/position
  3. Employer Name
  4. Contract Coverage
  5. Last physical date of work
  6. Your status for the past year
    • Substitute
    • Permanent Part-time
    • Permanent Full-time
    • Temporary Part-Time
    • Temporary Full-Time

C. Have you received a termination letter?

D. Will you be returning to the same position in the next academic year/term?

E. Will you work for a different department in the next academic term/year?

F. Have you received a written assurance that you will be recalled in the upcoming academic term or after the vacation period?

Note that it is important for employees to file a claim at the earliest. This is because if found eligible for benefits, employees must serve a one-week waiting period between filing a claim and receiving the first benefit payment.

What Happens If Educational Employees Worked Under More Than One Employer?

If the applicant has worked under more than one employer, he/she can file for UI benefits, and provide employer details from whom they have not received any reasonable assurance. 

Final Words 

UI benefits can be a temporary financial solution for education employees without reasonable assurance. In cases where the employees have reasonable assurance but have quit their job voluntarily, they may or may not be eligible for benefits depending on the reason for quitting and state rules. 

There will be times when you will be intimidated by that letter you receive by mail or a notification sent via e mail or call. The messenger from the state informs you about a temporary suspension or disqualification from receiving unemployment insurance. This will be a testing phase for you and your family if you’re dependent on the weekly benefits provided by the government.

First of all, do not panic. There is absolutely no point in expressing anguish which will worsen the situation. You must sit down and discuss the reason for suspension or disqualification.

Any time benefits are denied or suspended, the state will send you a letter explaining:

  • Why was it denied/suspended
  • for what time period
  • how to requalify
  • procedure to appeal if you disagree

Unemployment Line

Common Reasons for Denial of Unemployment Benefits

The most common (the list is not exhaustive) grounds for disqualification of benefits are given below (Source: Maryland department of labor, licensing and regulation)

1. ABLE AND AVAILABLE – If you are not able to work or not available for full-time work without restrictions.

2. ACTIVE SEARCH FOR WORK – Benefits are denied until you begin making an adequate active search for work.

3. ALIEN STATUS – If you are not a citizen of the United States and your alien status must be determined as required by the U.S. Immigration and Naturalization Service.

4. ATTENDING SCHOOL OR TRAINING – When you filed your initial claim or your weekly claim certification (request for payment), you indicated that you are currently attending school or training that may interfere with your availability for work.

5. DISCHARGED FROM EMPLOYMENT – Depending on the reason you were discharged, there are three levels of misconduct in the Maryland Unemployment Insurance Law.

  • Simple Misconduct
  • Gross Misconduct
  • Aggravated Misconduct

6. FRAUD – If you knowingly made a false statement or failed to give important facts in order to obtain or increase benefits.You may be disqualified for one year and must repay all benefits you have received, plus interest. In addition, you may be prosecuted for fraud.

7. INSUFFICIENT BASE PERIOD WAGES – There is a question concerning your monetary eligibility for benefits.

8. MEETING REPORTING REQUIREMENTS – If you fail to report to the Division of Workforce Development when required to do so, or fail to be available for a telephone fact finding interview with the Division of Unemployment Insurance.

9.  MILITARY BENEFIT ENTITLEMENT – You are recently separated from the military and it must be determined if you are eligible for unemployment insurance benefits under the Federal Law.

10. MONETARY ELIGIBILITY – You worked full or part-time during a week and you earned more than you reported, or you received holiday pay, vacation pay, special payment, bonus or severance pay, OR there is a question concerning your monetary eligibility for benefits or dependents’ allowance.

11. NOT UNEMPLOYED – You worked full-time during a week and earned more than your weekly benefit amount; or you worked full-time during a week and earned less than your weekly benefit amount; or you were self-employed on a full time basis, regardless or whether you earned any money.

Benefits are denied as long as you are working full-time.

12. OVERPAYMENT – If you received benefits for which you are found to have been ineligible.Benefits are not payable to you until the over payment is repaid.

13. PENSION – You are receiving, have received or will receive a lump sum pension or monthly pension.Your weekly benefit amount may be reduced by the amount of pension you are receiving.

14. REFUSED JOB OR JOB REFERRAL – If you fail to apply for available, suitable work or if you fail to accept such work when offered to you.

15. SEVERANCE PAY – You are receiving, have received or will receive severance pay, dismissal pay, [or] wages in lieu of notice.

16. VOLUNTARY QUIT EMPLOYMENT – You have voluntarily quit your employment.

Do I Re qualify?

After scrutinizing the reason for suspension or disqualification you may decide to reapply on amended terms if it is not severe. Follow the procedure laid out in the enclosures provided (that may come along with the letter of suspension/disqualification) that will provide instructions to reapply to re qualify for unemployment insurance and other benefits.

If you have met the re-qualifying requirements, and have stopped filing weekly claim certifications you must reactivate your claim.

A review of your claim will be done to establish that you have met the requirements. You may be sent requests for information to establish that you have met the re qualifying requirements. Complete the requests and return by the due date.

It is a cherished dream for any individual to have a good career so that one can pay bills on time, buy that dream home and car and enjoy financial freedom. Living life in the fast lane might not leave us anytime to think about possible hurdles.

What if something goes horribly wrong and those paychecks stop even before you retire? All your future plans and dreams come crashing down. That’s when disability insurance (DI) comes in. It provides an income to you and your family in case you are not able to work because of an injury or illness. Disability Insurance gives you the courage to dream without thinking about financial hurdles and you can stand on your own two feet till you reach your retirement and beyond.

What Is Disability Insurance (DI)?                                disability

Disability can be defined as a physical, mental or psychological inability to fulfill your occupational duties. It can be temporary or permanent.

Your ability to earn an income is usually considered your biggest asset. Disability insurance protects the beneficiary’s income against the risk that disability will make working impossible. It includes paid sick leave, short-term disability benefits and long-term disability benefits.

Disabilities Covered By The DI

Major illnesses, injuries and the conditions which one develops with age are also considered. Here are the major categories of illnesses that are covered by the DI.

  • Musculoskeletal Systems – Under this category major dysfunction of joints and spine related issues which disables a person from working are included.
  • Special senses and speech – Loss of vision or speech related issues.
  • Respiratory system – Conditions such as chronic pulmonary insufficiency, Cystic Fibrosis, Pneumoconiosis, Bronchitis etc are included.
  • Cardiovascular system – Chronic heart failure, Ischaemic heart disease, Peripheral arterial disease etc comes under this category.
  • Digestive system – Includes Short bowel syndrome (SBS), Inflammatory bowel disease (IBD), Chronic liver disease Gastrointestinal hemorrhaging from any cause etc.
  • Genitourinary Impairments – Impairment of Renal function, Nephritic syndrome with anasarca, persistent for at least 3 months despite prescribed therapy.
  • Hematological Disorders – Chronic anemia, Sickle cell disease or one of its variants, chronic thrombocytopenia.
  • Skin Disorders – Conditions such Bullous disease and chronic infections of the skin or mucous membranes, Dermatitis etc.
  • Endocrine Disorders – Hyperglycemia, Adrenal gland disorders, chronic hyperglycemia, Diabetes and other pancreatic gland disorders etc.
  • Congenital Disorders that Affect Multiple Body Systems: Category of Impairments includes Congenital Disorders that affect multiple body systems, non-mosaic down syndrome etc.
  • Neurological – Epilepsy, Brain tumors, Parkinson Syndrome, Spinal cord or nerve root lesions due to various causes.
  • Mental Disorders – Schizophrenia, paranoid and other psychotic disorders, Intellectual disability, Anxiety-related disorders, Somatoform disorders etc.
  • Malignant Neoplastic Diseases – Category of Impairments includes Soft tissue tumors of head neck, soft tissue sarcoma, Lymphoma, Leukemia etc.
  • Immune System Disorders – Systemic lupus erythematosus, Systemic vacuities, Systemic sclerosis, Polymyositis and dermatomyositis, Immune deficiency disorders, excluding HIV infection, Inflammatory arthritis etc.

What Are The Different Types Of DI?

Based on the nature and coverage one has six kinds of insurance to choose from.

Individual Disability Insurance

This insurance is for people who are self employed or entrepreneurs. The benefits and premiums may differ depending on the need of the individual in regards to the nature of profession, risk involved, state of residence. Higher the premium wider the coverage.

Business Overhead Expense Disability Insurance

Business overhead expense disability insurance is intended to refund a business for the overhead expenses incurred in case the owner suffers a disability. This insurance can help the owner with business expenses such as rent or mortgage costs, maintenance fees and other business related expenses.

Key-Person Disability Insurance

When a key person in a business becomes disabled, this insurance can give the business owner the benefits of continuing with the business transactions that the key person has left behind. This enables the business to move forward and go on without losing revenue and profit.

High-Limit Disability Insurance

This policy entitles the insured to a 65 percent income replacement benefit regardless of income level. This disability insurance is on top of a coverage and the most sought after.

Employer-Supplied Disability Insurance

This insurance is acquired by an employer for his employee. It is important to note that this insurance is only valid when the employee is hurt or disabled while working.

National Social Insurance Programs

The Federal Insurance Contributions Act (FICA) is a United States law that requires employees to contribute a part of their earnings to fund Medicare and Social Security. Employees who have become disabled can receive this income insurance for at least one year. Income insurance payments begin on the sixth month of disability.

It is a program managed by the Social Security Administration that insures a worker in case of a mishap. Disability insurance offers income protection to individuals who become disabled for a long period of time, and as a result can no longer work during that time period. Employees, who’ve paid the Federal Insurance Contributions Act (FICA) tax for a certain amount of time, are eligible to receive the Social Security disability income insurance.

How Much Does It Cost?

Disability insurance can be purchased as an individual policy or can be acquired by an employer for the employees. The cost of the disability insurance vary based on many factors such as benefit period, age of the individual, nature of employment, income etc.

Individuals who purchase a disability income policy can expect to pay about 1 percent to 3 percent of their annual salary.
Employers generally provide short or long term group disability coverage which is deducted from an employee’s salary.

How To File A Claim?

If you have been insured by your employer under the social security scheme then you can go on to the Employment Development Department site and can file a claim online. It is the easiest, continent and secure method or you can file it through mail.

Eligibility criteria for DI

DI benefits can be paid only after you meet all of the following requirements:

  • You must be unable to work for continuous eight consecutive days.
  • You must be employed or have been actively looking for work at the time you became disabled.
  • You must have lost wages because of your disability or, if unemployed, should have been actively looking for work. You must have earned at least $300 from which SDI deductions were withheld during a previous period.
  • You should have been under medical supervision of a licensed doctor during the first eight days of your disability.
  • You must complete and mail a claim form within 49 days of the date you became disabled or you cannot avail the benefits.
  • Your doctor must certify you as disabled.

Do I Need Disability Insurance?

If you believe in having security and peace in life and have a job then yes you need to have insurance. A recent social security fact sheet states, “Just over 1 in 4 of today’s 20 year-olds will become disabled before reaching age 67.” And if disease or injury renders you disabled early in your working life, the lost wages can be worth much more than a house or a car.

Don’t go the way where life takes you, take life the way where you want to go. Let not uncertainties change your life. Get a Disability insurance and anchor your life to the safe harbours.

If you lose a job in Florida, chances are you will take a long time to find another. Florida has the maximum rate of long-term unemployment in the nation. According to a latest census data, more than 53 percent of jobless Floridians are without work for six months or longer-worse than any other nation.

As per the researchers, Nevada and New Jersey also had at least 50 percent of their jobless people without work for six months or longer. Many of long-term unemployed in Florida and other states were in the hardest hit sectors of manufacturing, construction and government. Adam Looney, director at The Brookings Institution believes that lack of worker mobility, owing to the housing crisis also has led to prolonged unemployment in Florida.

The time period a person is unemployed depends on certain factors including their background, work history and the kind of job they are searching for. Typically, unemployment is lower in the spring and summer months for the reason that many hospitality jobs reopen for the tourist season.

In the previous year, unemployment in Florida dipped to 9.9 percent, as nearly 130,000 jobs were created. In between October 2008 and April 2009, an average of 700,000 American workers became jobless each month which contributed to the worst decline in the employment. Research says that that people who became unemployed during the recession—particularly those who had been employed for longer time often make considerably less even when they do find work, impacting the quality of life for them and their families.

Involuntary job loss can be a disturbing experience in ordinary times but latest research illustrates that outcomes of unemployment are worse for workers and their families at the time of recessions. All through economic downturns, those who bear job loss tend to be out of work for longer duration, resulting in higher earning losses. As a result of the Great Recession, unemployment’s average duration is at its highest level since record-keeping commenced in 1948.

The Hamilton Project inspected the employment and earning summaries of full-time workers who were out of work for economic reasons between October 2008 and April 2009, and followed their employment and earnings in the two-years after their job loss.

Before suffering job losses, these people made roughly $3,640 per month, or $43,700 annually on average. Being unemployed for two years, the average earnings of these workers was reduced to $1,910 per month and nearly $23,000 annually which is 48 percent lower than their average pre-job earnings.

According to Looney, the length of job hunt has not got shorter. Whether you are out of work for a month, six months or a year, it’s harder to find a job before the recession. As per a study, the nation’s dreary job growth is contributing to long-term unemployment.

Being without a job for longer duration is possibly the singular tragedy of the Great Recession and nowhere is it more sharp than in Florida. Wait for the exit polls to scream economic angst, and as the race to Nevada, you can expect lots of promises for the old and jobless.

Are you out of work due to illness, non-industrial injury or pregnancy related condition? If so, you may be entitled to receive disability insurance benefits.

Disability insurance offers fractional wage replacement to eligible workers who are not capable to work because of a disability. There is a number of disability insurance and other types of disability benefit programs that will assist you pay the bills, get back to work, or both.

Definition of Disability

disability insurance

Disability is defined as any physical or mental illness or injury which stops you from performing your customary or regular work. Short term disability unemployment insurance can cover you for a few months to a few years while long term disability covers you if something lays you low for some years or everlastingly, although policies normally stop paying you money once you reach retirement age.

It’s a better idea to be familiar with these disability programs before you need them, so you may take benefit right away. For example, disability benefits might begin on the date you file your claim, not on the date your disability started. Besides, there might be a waiting period before disability benefits begin, from the date you file your claim.

Eligibility for Disability Insurance

Disability insurance benefits can be paid only after you meet all of the following requirements:

  • You should be incapable to do your regular work for at least eight consecutive days.
  • You must be employed or keenly looking for work at the time you become disabled.
  • You must have lost wages because of your disability or, if jobless, have been enthusiastically looking for work.
  • You must have earned at least $300 from which SDI deductions were withheld during a previous period.
  • You must be under the treatment and care of a licensed doctor or recognized religious practitioner during the first eight days of your disability. You must remain under care and treatment to carry on receiving benefits.
  • You must complete and mail a claim form within 49 days of the date you became disabled or you may lose benefits.

How to File a Disability Claim?

No one desires to think about filing a disability claim, but sometimes there is need for them. Expectantly, it is only for a temporary disability and not a permanent one. You will be thankful for disability insurance if it does happen, because you will in any case have some money coming in while you can’t work.

Disability Claim

  1. Obtain a disability form. This can be acquired from the Department of Labor in your state. You can print the form from their website.
  2. Fill out your part of the form. Some of the detail you will need to provide should be collaborated with your doctor, as he has the records. You may need to submit the dates you were hospitalized and/or all treatment you have received from the doctor of record as well as any experts you have seen for your medical condition.
  3. Have your doctor fill in his part of the form. This will be the diagnosis part of the form and should be filled in by a practicing physician. He must give a specific diagnosis or the claim may be left without.
  4. Acquire other supporting documentation to go with the form. In case you were hospitalized or if you were treated by a specialist you must include this detail since it will be helpful in supporting your unemployment claim for disability.
  5. Have your employer fill out their portion of the form. The employer must do this so that the disability department knows how much to pay you. Do not wait for your salary; it will only be a portion of it. Disability has a cap on the sum they pay.
  6. Send the filled in disability form to the Department of Labor Temporary Disability Department (TDI). You will then need to wait. If there is a difficulty with the form they will send it back to you with precise guidelines on what is still required. Hopefully it won’t be too long before you collect a check.

How much is Paid?

The main term in a disability policy comprise the payment to be made in the event of disability. Unlike other policies give a lump amount upon a qualifying event; most disability policies pay a recurring sum on a usual basis, normally monthly. The amount to be paid, and for how long, are variables in a disability policy. For instance, you may decide a policy that pays $3000 per year for up to 5 years. In any case, you cannot buy disability insurance for a sum more than your present salary. There are riders obtainable that add to the payout amount every year to stay even with when inflation and wage increases.

Collecting Disability Insurance

Anticipating you have a legal in-force policy when you become disabled, you can file a claim with the insurance firm. The insurance form will evaluate the claim to ensure that it obey the rules of all the terms of the policy and to avoid fraud. After a claim is approved, the insurance company will pay every month until you return to work, or the payments are completed depending on either duration of time or other terms in the policy.

The two most common programs that fall under the umbrella of disability are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Medicare and Medicaid are also components of these programs.

Social Security Disability Insurance Benefits (SSDI)

Unlike retirement benefits, you may obtain Social Security Disability Insurance benefits at any age, if you have paid Social Security Taxes. But you ought to have a serious physical or mental injury that your doctors and the Social Security Administration’s doctors agree will stop you from performing considerable work for a year or more. Social Security Disability Insurance does not cover partial or short-term disabilities, but the state disability insurance does.

Supplemental Security Income (SSI)

SSI is paid to individuals with little or no income and very few assets, who may or may not have ever worked. These benefits are funded by general federal taxes most of us pay (Abbott).

Medicare

Medicare is federally-funded health insurance for people aged above 65; it is benefit of Social Security. It is also obtainable to people who have been on SSDI for 2 years. Instant eligibility is available for some unusual situations, but normally not for mental health disabilities. For those entitled for Medicare, a monthly premium will be withdrawn from your monthly SSDI check.

Medicaid

Medicaid is a health insurance accessible for those on SSI. It is supervised by your state and mutually funded by the federal and state governments.

Cobra Health Insurance

COBRA Health Insurance

Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance may be an alternative for health care coverage if you have been laid off.

COBRA contains provisions giving definite former employees, spouses, retirees and dependent children the right to temporary continuation of health coverage at group rates.

While the term “group rate” makes it sound like you will be receiving a discount that will make the insurance premiums reasonable, they are normally much pricier than people expect. When you were working, you likely paid a small fraction of your actual health insurance premium. You may have paid 10% while your employer paid 90%. Under Cobra, you have to shell out 100% of the premium. Sometimes you even have to pay an extra 2% administrative charge. The total premium can be difficult to pay.

What Happens When COBRA Ends?

COBRA coverage is limited, generally to 18 months for terminating employees, and 36 months for dependents losing eligibility. But what can a person do when COBRA ends?

For someone who is totally disabled, federal law offers an extension that will continue COBRA until the start of Medicare. For those who are completely disabled, but have a medical condition that would put them off from buying individual health insurance, there is another federal law, HIPAA (Health Insurance Portability and Accountability Act) that permits such persons to procure coverage.

If you leave work due to disability

In 1989 COBRA was revised to allow people, who had to discontinue work due to disability, to lengthen the time they can keep COBRA Continuation. Under this law, someone who meets the requirements may stay on their employer’s COBRA Continuation until they become suitable for Medicare, which is usually 29 months after they leave work due to disability.

Can you receive UC Benefits and Disability Benefits?

After being laid-off due to a disability, many people apply for and collect state unemployment benefits. Unemployment compensation benefits offer short-term income to unemployed workers. In order to obtain weekly unemployment compensation benefits, you must confirm with your state Department of Labor that you are vigorously looking for and is available for work. Every state has different necessities to acquire unemployment compensation benefits.

Receiving jobless compensation benefits can affect your social security disability claim. But, you cannot be deprived of social security disability benefits only because you received unemployment compensation benefits.

Social Security Administration (SSA) allows SSDI benefits to individuals who not only can work, but are working. For instance, to make possible a disabled person’s reentry into the workforce, the SSA authorizes a 9-month trial-work period during which SSDI recipients may collect full benefits. Progress in a totally disabled person’s physical condition, while allowing that person to work, will not immediately lead the SSA to end SSDI benefits.

SSA looks at the totality of the conditions in evaluating whether or not you are disabled including but not limited to your medical conditions, treating past work history, source records, and earnings.

Bottom line is receiving unemployment compensation benefits will not automatically debar you from obtaining receiving social security disability benefits BUT it can be used against you. Some Administrative Law Judges (ALIs) consider that if you are collecting unemployment compensation, then you believe that you can work, and this clashes with a claim for disability. The ALI may inquire you about the particulars of why your job ended due to a mental or physical condition(s).

Claims, & Benefits – Common Questions Series

What all information can I get through Unemployment Insurance Telephone Service?

What are the responsibilities of a claimant?

When should I apply for insurance benefits?

What is the source of unemployment benefits to pay the insurance amount?

Can all the unemployed be eligible for unemployment insurance benefit?

Will my employer be notified about the insurance claimed?

What is the benefit year?

What is an overpayment and why it is considered as overpayment?

What is Federal Unemployment Tax, who and how you need to pay for this tax?

What is the process on calculating the Unemployment Rate?

How is Unemployment Insurance funded?

  What all information can I get through Unemployment Insurance Telephone Service?

You can access the following information through telephone service:

  1. You can speak to the operator and get the details on address change process, hours of operations. In addition you can also know about,
  2. Filing a Tele query or obtaining payment information.
  3. Filing details on an initial or reopen claim.
  4. Details on overpayments, tax forms,
  5. Tax Refund Intercept Program and penalties or appeals.

In addition, the automated voice response will be available twenty four into seven days. There are different numbers available for different options. You can just follow some simple instructions and obtain the details you need.

 

  What are the responsibilities of a claimant?

No matter if you are just filing for or are currently receiving unemployment insurance benefits, you are required to fulfill the below mentioned fundamentals:

You should be able to work, available for work and you must make an active search for full-time work (Note-unless defined by Unemployment Insurance as a part-time worker).

Report all wages earned each week.

Report all monies received by you like vacation pay, severance pay, pension payments, etc.

You should be available or contact the Division of Unemployment Insurance when directed to do so.

Accept suitable work as defined by law;

File timely bi-weekly continued claims while requesting for payment.

 

  When should I apply for insurance benefits?

A. You can apply as soon as you become unemployed. Your application will become active from the day you claim for the insurance benefits, even if you are out of work since long.

 

  What is the source of unemployment benefits to pay the insurance amount?

A. Funding source for unemployment insurance company is benefited from the taxes paid by employers.

 

  Can all the unemployed be eligible for unemployment insurance benefit?

A. No, all unemployed are not eligible for benefits, you must earn sufficient wages during a specified monetary time. To receive the benefits, you must meet certain legal unemployment eligibility requirements.

 

  Will my employer be notified about the insurance claimed?

Yes, The Company will contact your employer in order to obtain information that is needed to process your application for the benefit process.

 

  What is the benefit year?

The benefit year is a one year period beginning with the Monday following the week you file your valid original claim. You may be paid up to 26 weeks of benefits during a benefit year.

The benefit year is a period of 52 consecutive weeks. It begins on Sunday of the week in which your application is filed. Your claim is good for one year.

 

  What is an overpayment and why it is considered as overpayment?

Overpayment is the benefit provided for the purpose which you were truly not eligible for unemployment compensation. Over payments are generally considered as the amount paid in error which might be because of your fault or by the State’s Unemployment fault. In case if you are overpaid then a notice will be served to you holding you responsible for repaying the overpaid amount within a reasonable period of time. If it is not repaid then it will be automatically deducted in your future benefit payable.

 

What is Federal Unemployment Tax, who and how you need to pay for this tax?

Every year the federal unemployment tax needs to be paid by the employer which needs to be filed. The federal unemployment tax needs to be paid for any employee who have earned more than $1500 in a quarter/ base period or to the employee who have completed his/her at least 20 weeks of tax year.

 

  What is the process on calculating the Unemployment Rate?

In general to know the exact rate of Unemployment ration in the particular State you need to first know the exact number of unemployed workers with the total number of labor-force (number of people of working age and below retirement age who are actively participating in actively seeking employment). In United States the stats details can be collected from the Bureau of Labor Statistics.

To sum up the formula for calculating the unemployment rate (as percent):

Unemployment Rate = (Unemployed Workers / Total Labor Force) * 100

 

How is Unemployment Insurance funded?

Unemployment Insurance is sourced by the employed individual or by the former employers. In General employers are needed to pay for Unemployment Insurance fund Programme, but in rare cases the employees are also required to contribute a small portion as tax. This Unemployment Insurance is funded as beneficiary amount to help out workers who have lost their jobs with no faults of theirs.

https://fileunemployment.org