How to File For Unemployment Benefits

Filing for unemployment benefits can be confusing. First step to take when you get your pink slip is to find out when your last day is, and if you will be receiving a severance package. If you had insurance with your company, you are can sign up for COBRA insurance, which you will be responsible for payments. If you are unable to afford that, there are other options. Ask for a letter of termination from your employer, along with a letter of reference. You will need these for any state benefits you may be eligible for and for resumes.

Your state unemployment office can show you how to collect unemployment. Doing it online is the easiest and quickest. If you have lost internet service at home, the library is a great alternative. Failure to do this step in a timely manner may result in delays of your payouts. You will then have to file a claim EVERY week that you are unemployed. Remember this is just a blurp in your life, and these people are here to help you and give you the assistance you need to get through this time.

Follow instructions from the unemployment office in detail, failing to do this may again keep you from getting a check that week. You will also have to visit the unemployment office to "check in" occasionally. Utilize the resources that the unemployment office has on hand and online for job listings.

Calling your mortgage lender after filing for unemployment, immediately alerts them to your situation. This allows them to work with you in helping you keep your home, which today is in the best interest of your bank and your family. It allows them to work with you to help you manage your payments. This is most likely your biggest debt obligation.

Call your automotive lender also to see if they have any arrangements they can make with you until you get another job.

Have a family meeting with all members of your family and discuss the implications of your unemployment status. Take stock of assets, savings and cash on hand. If you have high schoolers, help them understand that they may have to get a job to help out. This helps them in the long run understand rent, phones, ets. And yes, they may have to give up cellular phones during this time. Sign up for the free lunch program at school for the kids, and also at your family services for food stamps, Medicaid services and other services available.