Unemployment and Employment Insurance

Self Employment Insurance

2009-11-21T02:11:00.000-08:00

self-employment insurance is It's insurance that protects you against the various types of losses you can suffer as a self-employed worker. It covers your business property and business liability, and comes with optional riders.
Since many insurance companies offer self-employment policies, there are obviously differences from one product to the next.
this is insurance that often offered as a rider on a home & property policy. Some companies also offer it separately. Like other damage insurance products, self-employment insurance is sold by many insurance companies, either through a broker or directly to you.

how about the cost?
The premium depends on the nature of your work and business activities, the value of your property, and the coverage you choose. Insurance is a highly competitive market and premiums can vary considerably, so it's important to shop around.

when i buy self-employment insurance for my home, i get discount because my home is equipped with an alarm system. my friends tell me, alarm a major marketing tool for insurers, so discuss it with your broker or insurer to find out how much your discount is.

if you have basic home insurance. you can add a self-employment rider, you'll probably have to upgrade to all-peril insurance in order to get a self-employment rider. You should discuss this with your broker or insurer since the conditions vary from one insurer to the next.

the last thing is do not forget to tell your insurer? how long you stay in the house every days, are you work at home or not, because If your kilometrage is low, you'll obviously be charged much less that someone whose work keeps them on the road.

How Do I File for Unemployment Insurance in Canada?

2009-11-20T01:33:00.000-08:00

"How Do I File For Unemployment Insurance In Canada"

source

Tips On Applying For Unemployment Benefits

2009-11-19T00:12:00.000-08:00

You never know, right now, maybe we're working in an agency or company, but may someday You might find yourself unemployment, and You might find yourself applying for unemployment benefits if you have been laid off.
Unemployment compensation, unemployment insurance, is available to someone who are out of not because their fault and who meet certain requirements. If you have looking and applying an unemployment insurance, here some Tips On Applying For Unemployment Benefits .

1. Keep your usefull information, please save all your personal information, because, You will need access to all of your personal information while researching and applying for unemployment benefits. includes your social security number, your contact information and the contact information of your employers from the last two years.

2. Contact your state’s employment agency as soon as possible. you should contact your state’s employment agency as soon as possible, If you are planning to apply for unemployment benefits, as example : The United States Department of Labor, they has a helpful guide to unemployment benefits on its official site. There, you will find contact information and Web addresses for each state’s employment agency.

3. Check your state's specific eligibility requirements. You can not start instantly receiving unemployment checks because you are out of work. you have to be actively seeking new work, and you should know that each state also has its own wage requirements based on your previous employment. It is important to be aware of your state's specific wage requirements before you apply for unemployment benefits. This could save you a lot of time and Disappointment in the end.

4. Use the Internet, and apply online if you can. Not all states even allow you to apply for unemployment insurance online, but you should do so if you can. Applying in person or on the phone will usually result in a longer wait.

5. Continued search for work and do interviews. You should continue to actively seek work while applying for unemployment benefits. Even if you qualify for the benefits, unemployment checks are only temporary, so you need to find new work as quickly as possible. Also, you may need to prove that you are looking for work in order to start claiming your unemployment checks.

for me, working is not fun ,but not working more unpleasant at all, so it is important to follow the above advice, which takes the mystery out of unemployment benefits. The application process is smooth and swift, provided you qualify and have the necessary information with you.

Qualifying For Unemployment Insurance

2009-11-18T23:32:00.000-08:00

You may wonder, about qualifying for unemployment insurance, you need not bother, you need to know that, Most state standards are approximately the same, but requirements may vary slightly.

For typical qualifications unemployment insurance, Most states require you to have worked for at least 2 last years and that you are out of work not because you quit or were fired for reasons that were obviously your fault.

then, You will need to provide your social security number, address, contact information, military service information, hire and release dates from past two years’ employment and accurate names, addresses and contact information for all places of employment in the past two years. all data are required to provide when filing for unemployment.

What if my application is denied?
find out the reason, you can investigate your state's procedures for filing an unemployment appeal. Check with your previous employer to see if the company will help you appeal for benefits, testifying that you were indeed let go because of lack of work, not because you quit or were fired for something that was your fault. Make sure you follow the instructions for filing the appeal, and attend all related court hearings or meetings.

but remember, if you've qualified, you have to prove you are actively seeking employment. Depending on the state, you will have to report weekly or bi-weekly about your job hunt. You will need to provide evidence that you have applied to the required number of jobs each week and explain any job offers or refusals of job offers. Follow the instructions exactly state filing. You must also attend any and all required in-person interviews with the Unemployment Insurance Claims Office or Employment Service Office. Some states will require you to register with the State Employment Service. The State Employment Service may hook you up with potential jobs or training programs. If you fail to follow the specific instructions of your state policy, your benefits may be canceled.

if you want to find out about the rules in your state,
You can find your state’s requirements by visiting servicelocator.org and clicking on the picture of your state on the map.

also check this Tips On Applying For Unemployment Benefits

Employment Insurance Benefits

2009-11-17T22:33:00.000-08:00

Employment Insurance Regular Benefits
insurance is available for those who lost their jobs, not because of their mistakes. for example: mass layoffs, layoffs due to natural disasters. Especially for those who are able to work but can not find a job.

Employment Insurance Maternity and Parental Benefits
insurance is available for those who are pregnant, have recently given birth, are adopting a child, or are caring for a newborn.

Employment Insurance Sickness Benefits
insurance is available for those who are unable to work because of sickness, injury, or quarantine.

Employment Insurance Compassionate Care Benefits
insurance is available for those who have to be away from work temporarily to provide care or support to a family member who is gravely ill with a significant risk of death.

Employment Insurance Fishing Benefits
give support to qualifying, self-employed fishers who are actively seeking work.

Number of hours of work required to qualify

Most people need 400 to 700 hours of work in the qualifying period, to meet the requirements, depending on the unemployment rate in their region at the time of filing their claim for benefits.

However, in some cases, people need 900 hours of work in the qualifying period, to qualify

as example :
*If you work for the first time"
*If you go back to work after idle for 2 years"
*However, if you have received at least one week of maternity or parental benefits in the 208 weeks preceding the 52-week period prior to the qualifying period, you will require between 420 and 700 hours to qualify for regular benefits.
*violations from previous EI claims may also increase the number of hours required to qualify for EI benefits.

In other situation : you could qualify for regular benefits with a minimum of 840 hours instead of 910 hours. if you are living in one of the participating economic regions, but if you can show the hours your work before in the period has a 400 + +, then you only need 400 to 700 hours of work again to get the full benefits.

Types of Unemployment Insurance

2009-11-16T21:56:00.000-08:00

Regular UI: Any person may qualify for regular UI if they worked in covered employment and earned enough wage credits. The amount of benefits you will be eligible for is based on wages earned in the first four of the last five calendar quarters. There are continuing requirements that a person be available for work, able to work and actively seeking work. Furthermore, a six-week disqualification may apply if you quit or were discharged for misconduct from your last job. This disqualification also denies your eligibility for the Extended Benefit (EB – see below) program and a total of three weeks will be deducted from your maximum amount of benefits you can collect. All these conditions apply to the following types of unemployment insurance.

Interstate Claim for Benefits: If an individual is living in another state but has worked in Alaska, he/she may file an Alaska claim. Because the claim is based off of earnings in Alaska, Alaska would pay your benefits and all determinations would come from Alaska. To file an Interstate Claim, call 1-888-252-2557.

Combined Wage Claim (CWC) for Benefits: If an individual worked in more than one state during the last two years, they may qualify for a CWC. Eligibility will be based on combining all the wage credits for each state.

Extended Benefits: A federal program that pays additional unemployment insurance (UI)
benefits during periods of high unemployment.

Unemployment Compensation for Federal Civilian Employees (UCFE): If an individual is separated for civilian employment with the federal government, they may qualify for UI. It will be necessary to provide an SF-8 form (provided by the government employer). The UI Support Unit will contact the federal agency to verify wages and separation information. Wages may be added by affidavit, if the client can provide wage proof (check stubs, W2, etc.).

Unemployment Compensation for Ex-Military Personnel (UCX): If an individual served in “active” military duty in the last 18 months, they may be eligible for UI. It is necessary to provide discharge papers (Form DD-214).

Disaster Unemployment Assistance (DUA): If an individual is unemployed because of a disaster, they may be eligible for up to 26 weeks of special unemployment assistance. Once the federal government has declared a major disaster and offer individual assistance, the state DUA Coordinator and FEMA personnel issue DUA information to affected individuals in the designated areas.