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Old 03-18-2021, 07:22 PM   #81
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Originally Posted by habelsgtb View Post
I decided to not take unemployment that I could have taken. I was retiring, did not need or want the money. I left it for others who really need it.
You do know you can do the same with taxes, right?

Choosing not to take deductions and exemptions allows the state and country access to money they really need, as well.
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Old 03-18-2021, 08:31 PM   #82
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For me I made the choice not to take UI. Even though I was technically laid off the layoff included a generous severance package and I was more than ready to retire at that point. Adding to that, I had to go to my boss and actually ask to get laid off.
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Old 03-18-2021, 08:41 PM   #83
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The exact wording on the Washington State UI weekly questionnaire is this:
"Are you able and available for work?"
I look forward to the day when answer to the second part of that is an emphatic NO, I am not available
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Old 03-18-2021, 08:46 PM   #84
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Originally Posted by Aerides View Post
If I were wanting to work, and laid off, and seeking work = I'm eligible.

If I wanted to retire, angled for a package, and now retire = I'm not eligible.

True, the rules might temporarily be suspended re Proof of actively seeking work, but that is due to the extraordinary covid impacts on jobs. But that's a temporary loophole and not intended to invite otherwise-willing early retirees also get in on it. (but yes, legal, sure... and most of us don't take every single legal thing when we know it's really dodgy and involves even a little truth-stretching)
If I was not planning on retiring, and was laid off, but would be willing to take another job=unemployment benefits. IMHO.
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Old 03-19-2021, 07:48 AM   #85
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Originally Posted by OddGuy View Post
You do know you can do the same with taxes, right?

Choosing not to take deductions and exemptions allows the state and country access to money they really need, as well.
Sure, many choices out there to give money to people in need.
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Unemployment Insurance
Old 03-20-2021, 09:30 PM   #86
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Unemployment Insurance

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Originally Posted by corn18 View Post
I negotiated an amicable departure from megacorp. My last day is this Friday. My position is being eliminated. I got a great severance package.

The way my separation letter is worded, I am not receiving severance, so I can file for unemployment. With the latest COVID bill, I would receive $904 a week for 26 weeks. That's a lot of money and would be helpful.

Would you file for unemployment?

You should not qualify for unemployment. It is insurance for people who are unemployed through no fault of their own. You are required to be able, available and actively seeking employment. It is not a benefit for people who no longer wish to work. I worked in the claims department for 8 years. You might get away with it if you are mot 100% honest in your paperwork. But you must be seeking full time employment. Unless I misunderstood your post, I think you are heading for retirement. Again, it is insurance for those who are out of work and don't want to be. Also, severance pay is deducted from unemployment benefits.
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Old 03-20-2021, 09:39 PM   #87
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Originally Posted by njhowie View Post
It's not gaming the system if you meet the requirements to collect unemployment by your states rules.

You may think you don't need the money, morally are not entitled to it, or shouldn't take it because you were going to retire anyway. However, we don't know what will happen down the road. Maybe things don't work out the way you intended and you really do need the money down the road. Well, at that point you can't turn time back and collect what you were once entitled to.

Unemployment rules in many states have been relaxed and expanded due to the pandemic. As an employee, you have been paying in to your states unemployment fund for as long as you've been working. Further, the additional amount being kicked in by the federal government is a cost being borne by all taxpayers, you included.

Bottom line, apply for it, and accept what you are legally entitled to. There's no shame or anything to feel ashamed about, it's simply a step in the system which you have been participating in and are entitled to claim benefits from at this time. Have you been receiving the stimulus payments thus far? It's no different in my mind. Most folks on this site really do/did not "need" them. Did anyone refuse to accept theirs? Highly doubtful.

This is a common misconception. Unemployment insurance is NOT funded by employees. It is funded by state and federal government (Dept of Labor or whatever they call it now) and by a tax on EMPLOYERS, not employees. That is why the federal government is involved in benefit increases and length of benefit periods.
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Old 03-21-2021, 05:53 AM   #88
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I took unemployment once about 30+ years ago. It really helped through the interim. For that matter I also went on food stamp for about a month or two 50 years ago when I had not eaten in a few days except for a couple of PB&J sandwiches a friend gave me. I weighed a lot less in grad school. You do what you need to do.



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Would you file for unemployment?
Old 03-21-2021, 06:31 AM   #89
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Would you file for unemployment?

No. Thatís just wrong.
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Old 03-21-2021, 11:39 AM   #90
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Great choice and very considerate of an overwhelmed system!
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Old 03-21-2021, 03:29 PM   #91
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As a small business owner in Texas (about 100 employees), I can tell you with certainty who funds unemployment insurance in Texas. The employer pays a percentage of his payroll into an State Controlled poll account that is earmarked in his name. IF his ex-employees do not significantly deplete his pooled account his contribution percentage remains low. If his ex-employees begin to deplete the pooled funds he has created, his future contribution percentage is raised significantly. There is no free ride from the government... it is taken from the employer. In my mind, to pay severance and then to have someone dip in for another 26 more months while actually retiring on the beach is perhaps “a little unfair”.
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Old 03-21-2021, 04:01 PM   #92
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I as a former UI claims rep know first hand that what you say is true! As a business owner you have the facts, and I wasn’t going to step into the debate any further. My own personal experience with “salary in lieu of wages” included a job loss, due to a RIF and the closure of a regional office about 30 years ago. The difference in my case is that I was no where near retirement so I had the full salary and full
Health benefits for 6 months and once exhausted I applied for and received UI. Economically it was a very bad time in the United States and Texas in particular. I finally went back to work as a full time temp about 13 weeks later drawing a little better than minimum wage. I felt it necessary to go back to work for my sanity, the social aspects of work plus I was searching for work in my region that simply did not exist. Sometime you just gotta day “uncle!!!”
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Old 03-22-2021, 05:59 AM   #93
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Originally Posted by OddGuy View Post
Funny how people have no issue taking every tax deduction legally possible, but get tied in knots about claiming unemployment payments to which they'll legally eligible.


Comparing apples and oranges. We non politicians didnít create the tax code nor did we create the unemployment insurance system.

Itís about following the rules. You cheat either one and you cheat your fellow citizens. You follow the rules and youíre fine, even if the system isnít. Originally discussed, this was about someone receiving over half a million in severance, and basically retiring, then considering UI.
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Old 03-22-2021, 07:27 AM   #94
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Emotion, opinion and interpretation always arise in discussions of unemployment.

Getting the actual answer is simple:

You enter information on your state's UI portal, answer all questions fully and honestly, and await a determination from the state.

The state presents a yes/no answer on your eligibility. You make a yes/no decision every week you log in and make a claim (after answering truthfully that week's questions.)

Beyond that, what any individual other than yourself "thinks" or "feels" is irrelevant.
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Old 03-22-2021, 08:55 AM   #95
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I was downsized once. Got almost a year's pay, and two retirement accounts. The grandfathered both merged companies retirement plans. I saw no reason to file. The company was more that fair with other bennies.
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