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Refusing Unemployment Benefits?
Old 03-18-2009, 06:43 PM   #1
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Refusing Unemployment Benefits?

Fortunately my wife and I have never been unemployed in our adult working lives of 34-36 years. We've also been big on personal responsibility, so we never planned to take unemployment benefits no matter what. My wife was laid off today. She has been expecting it, and so she has been looking for another job for over 2 months with no luck, so she is really unemployed for the first time ever. It will force us to reduce expenses, but we can get by for as long as necessary without her filing for unemployment. She has no intention of seeking unemployment benefits, but I thought it would be interesting to hear the various POV's that might come from this audience. What do you think?
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Old 03-18-2009, 06:53 PM   #2
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If I lost my job, (if I had one, heh) the first thing I would do is apply for unemployment benefits.
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Old 03-18-2009, 06:54 PM   #3
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Sorry to hear about your wife losing her job.

I must say I don't understand why you would refuse the benefits. Generally, unemployment benefits are paid from an employer funded insurance pool not form taxpayers. (I.e. all of us retired folks aren't paying for those folks collecting unemployment benefits) Presumably if such tax wasn't paid you would have benefited from higher wages over the years.

I see no difference between refusing to accept payment from your auto insurance company after an accident, and not accepting unemployment benefits.
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Old 03-18-2009, 07:02 PM   #4
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Do you refuse your tax refunds?
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Old 03-18-2009, 07:07 PM   #5
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Do you refuse your tax refunds?
I make sure I always owe, but I would not refuse a refund. Guess I'm not sure how the benefits are funded...so I'll Google that.
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Old 03-18-2009, 07:08 PM   #6
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I have been unemployed twice when I could have claimed UEI. I did not either time. At the time I did not need the money, and I did not want to go through the hassle.
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Old 03-18-2009, 07:08 PM   #7
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W*rking people unemployed by circumstance are completely different from the chronically unemployed by artful design.
I got laid off once in my life, way back in 1981. I filled out the forms and received the benefits.
Please reconsider...Unemployment benefits could make the difference between
tapping cash reserves now or tapping them later .
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Old 03-18-2009, 07:09 PM   #8
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I lost my job in 2002 and was unemployed for 4 months. I didn't take any unemployment benefits back then mostly because we didn't need the money (small severance, plenty of savings and we could easily get by on my wife's income) and quite frankly I felt too ashamed to stand in line at the unemployment office (I think that you can do everything online nowadays so that's less of a problem). It's silly, I know... But if that money were to have a huge impact on our survival, then yes, we'd get over our egos and file for unemployment benefits. But we would have to be in really, really deep trouble to count on a $240 a week benefit to survive...
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Old 03-18-2009, 07:17 PM   #9
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What do you think?
You've paid for it, you've earned it, and you might as while file for it.

Even George Soros accepted unemployment benefits at one point in his life. Presumably he's more than made up for it.

If you have strong ethical issues with unemployment benefits, then consider this-- if you drew unemployment benefits and donated the cash to a local food bank, then how many other families would benefit from your charity?
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Good Grief!
Old 03-18-2009, 07:36 PM   #10
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Good Grief!

Do you refuse police or fire protection? Have you ever used a library? Who picks up your garbage?

Good grief!
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Old 03-18-2009, 07:42 PM   #11
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Whether you agree with them in principle, if you paid into it (directly or indirectly through your employer), take what's due you.
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Old 03-18-2009, 07:44 PM   #12
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I would definitely encourage her to take it for many of the reasons mentioned above. It's insurance, not a welfare payment. Besides, you (she) will be paying income taxes on it. Plus, if it matters, I believe the stimulus bill will pay 65% of her COBRA premiums for up to nine months.
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Old 03-18-2009, 07:47 PM   #13
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I was laid off last year for 12 weeks for the first time in 40 years. I filed for unemployment online in Minnesota. No lines, no waiting. It took five minutes and two days later the money was automatically deposited in my account. There is really no reason not to take it.
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Old 03-18-2009, 07:48 PM   #14
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Responsible people get unemployed too. I would file for unemployment benefits.

I happen to be also big on personal responsibility like you. That to me has nothing to do with filing or not filing for unemployment benefits.

I have been paying taxes year after year and a few thousand dollars from the government wouldn't make me feel like an irresponsible person, or a lazy bum.
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Old 03-18-2009, 08:28 PM   #15
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Do you plan on collecting SS ? Then what is the difference ? This is a benefit you paid for so use it .
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Old 03-18-2009, 09:00 PM   #16
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In my (now concluded) career of 27 years, I qualified for 1 week of unemployment benefits, which I also did not need. I did not hesitate to grab it.You never know when it might be needed and unavailable.
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Old 03-18-2009, 09:08 PM   #17
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Old 03-18-2009, 10:24 PM   #18
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Old 03-19-2009, 12:02 AM   #19
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Quote:
Originally Posted by Midpack View Post
Fortunately my wife and I have never been unemployed in our adult working lives of 34-36 years. We've also been big on personal responsibility, so we never planned to take unemployment benefits no matter what. My wife was laid off today. She has been expecting it, and so she has been looking for another job for over 2 months with no luck, so she is really unemployed for the first time ever. It will force us to reduce expenses, but we can get by for as long as necessary without her filing for unemployment. She has no intention of seeking unemployment benefits, but I thought it would be interesting to hear the various POV's that might come from this audience. What do you think?
Not collect unemployment benefits in Illinois...... whew..... you guys need to think about that! You're falling into the trap "those people" are setting for responsible folks like you!

Tell DW she doesn't have to go to the unemployment office or anything gross like that. You get the benefits started via the internet and a bi-weekly auto-phone call keeps 'em coming.

If your DW doesn't grab this money, Ill Dems will use it to promote further corruption. Don't you think Ill politicians are doing well enough as it is?
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Old 03-19-2009, 12:08 AM   #20
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Midpack, I am sorry to hear about your wife being laid off.

About unemployment, we have never claimed it, because we were fortunate to always have left on our own; we quit, and I thought quitters did not qualify. We also thought about the hassle and the stigma that might come with it. Additionally, we were not actively looking for a job.

Reading other posters' comments show me that there is no shame in claiming this benefit if one gets laid off against her will. It's really no different than claiming SS. Of course it would be nice for us to be so rich that we can say we will not need SS, but that is not going to be the case. I also did not know that there wasn't much hassle in claiming unemployment. Remember that you have been paying for this, and probably never get back what you paid in.
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