In this article, you will find information on what to do when your unemployment benefits run out. We will divide the article into subheadings and provide a brief description of each subheading.
Check for Extended Unemployment Benefits
First, check with your state’s unemployment office to ensure you are receiving all the benefits you are entitled to, including extended benefits that may be available during periods of high unemployment. The federal government can provide funding that allows states to extend unemployment benefits.
Create a Plan of Action
If you are close to losing your unemployment benefits, you need to create a contingency plan. You should cut back on expenses and seek resources while you are still eligible for unemployment. Make a plan now, and you can save the extra stress later.
Constrict Your Budget Before Benefits Run Out
Once you lose your job, it is wise to create a new budget that limits spending to essentials. You should reduce discretionary spending such as cable services or gym memberships, unnecessary groceries, entertainment expenses, dining out, optional home or clothing purchases, vacations, and travel. You will need to make your savings, emergency fund, and other funds last as long as possible in case your benefits run out before you find another job and need to rely on your savings or emergency fund.
Contact Your Creditors
If you are unable to make your monthly payments, contact your creditors. Many of them may be willing to help you set up a payment plan so that you are not responsible for multiple bills at once.
Get Help in Your Job Search
It is easy to become frustrated in a tough job market. One way to shorten your search time is to broaden your horizons. You may be able to find a great job in a different state or city. If you are a college graduate, check with your school’s career services office. Many schools offer career counseling and job search assistance for graduates.
Take a Part-Time, Temporary, or Freelance Job
You may consider taking a part-time or temporary job to help you while you search for a full-time position. This will help you earn some income while also avoiding gaps in your resume. You may start working as a freelancer in your field and discover you can earn a lot of money doing that. Just be sure to plan for tax payments next year, as you will be responsible for paying taxes on your earnings.
Explore Social Service Programs
There are emergency programs available to help you cover food and rent costs in every county. If your unemployment period has run out, you may be eligible for food stamps. You may also want to search for local food pantries in your community that can assist you.
Where to Find Financial Assistance and Free Support
Try these steps to enhance your job search and find financial help while unemployed. Create a free email account: Job seekers can create a separate, professional email for job searching that is distinct from their personal email. Check with your internet service provider and mobile phone company: You may be able to defer all or some payments during unemployment. Ask your church and local community organizations about support: If you are a member of a church, inquire about any assistance available. Community organizations often have resources to help the unemployed, such as food baskets, donations, job search assistance, and childcare help. Seek help from your network: If you can get support from family or friends, don’t hesitate to ask for assistance. Get free help with your job search: Identify and look for free or low-cost resources for job searching and career resources in your geographical area. Use your local CareerOneStop center: CareerOneStop centers provide information about local support resources. This includes assistance with utility bills, food costs, and other essential expenses. Career OneStop may also have information about temporary positions and listings for permanent or long-term jobs as well as assistance with job skills training to enhance your marketability. Review job search tips for unemployed job seekers: It can be hard to stay optimistic and confident when you are in a desperate financial situation, but it is important for unemployed job seekers to remain positive.
Check
With Non-Profit Agencies
Do you need more help? Here is a list of local, state, and federal resources that can connect you with non-profit agencies near you. 2-1-1 Call Center: Call to find local assistance with training, employment, food banks, affordable housing, and support groups. Homeless Shelter Directory: Find a listing of homeless shelters across the United States from the National Coalition for the Homeless. Low-Cost Phone Service: Low-cost phone service is available for eligible low-income families through the Lifeline Program. Eligible applicants can receive voice and data packages for less than $15 per month. Pet Assistance: If you are struggling to care for your pets, help is available. Check with your local animal shelter and veterinarian to see if they can assist you or refer you to resources for food and veterinary care. Temporary Assistance for Needy Families: Each state has a Temporary Assistance for Needy Families (TANF) program, previously known as Aid to Families with Dependent Children (AFDC). The TANF program can assist with obtaining food stamps, financial aid, job training, and job search assistance. Food Stamps: The federal food stamp program, now known as the Supplemental Nutrition Assistance Program (SNAP), helps low-income families and individuals purchase food. Healthcare: Medicaid provides medical benefits to low-income individuals who lack health insurance (or have inadequate insurance). WIC: The Women, Infants, and Children (WIC) Supplemental Nutrition Program provides additional food and nutritional support for low-income women who are pregnant, breastfeeding, or postpartum, and for children under five. Check with your local health department, local clinic, or other accredited agency for WIC information.
Frequently Asked Questions
How can I find out how much unemployment I can receive? Eligibility requirements, unemployment benefits, and guidance on how many weeks of unemployment you will receive vary from state to state. Some states have online calculators you can use to estimate your unemployment benefits, and you can find information on what is available on your state’s unemployment website.
Where can I find resources for the unemployed? The U.S. Department of Labor’s Economic Recovery Gateway has information on applying for unemployment in your state, as well as resources for housing, food, money, healthcare, and more.
Source: https://www.thebalancemoney.com/where-to-get-help-when-your-unemployment-runs-out-2064144
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