Should you Get Unemployment Insurance?

Different job circumstances can make it absolutely necessary to quit your job and either expected or unexpectedly. For instance, you may decide to quit your job as a result of personal reasons such as the inability to cope up with new rules and regulations at the place of work, your own declining health, domestic violence at home or other urgent reasons such as leaving to take care of a sick relative. Similarly, job quitting may be due to job related-factors that are beyond your control such as unhealthy working environment, unlawful harassment or discrimination, transfer to an undesirable place of work among other reasons. Depending on your specific reason for job quitting, whether personal or job-related, if it is serious enough and acknowledged by the existing laws that regulate your specific form of employment, you stand a chance to be insured by a kAsse upon your exit. This is because it was not your fault to quit, but rather a misfortune that came your way.

Upon leaving your job, the following grounds are used to provide a basis that ultimately determines whether you should benefit from unemployment insurance or not:

· You must prove beyond any reasonable doubt that quitting was the last option you were left with after trying all means to continue working and that had you delayed to quit, you would have been fired.

· You can as well benefit from unemployment insurance if you received a notice to quit from your boss.

Having satisfied the above reasons for quitting, below are some of the ways in which you will benefit from unemployment insurance:

Your unemployment benefits will be dependent upon your individual earnings in the recent past, usually the recent 52-week period following your quitting. The exact amount will largely depend on the prevailing state laws that give guidelines to unemployment insurance in the state.

These benefits are subject to the Federal income taxes and are usually reported and reflected on your Federal income tax return. You may also elect to have your tax withheld by State Unemployment Insurance Urgency.

In most States, the benefits are paid for 26 weeks at maximum. Additional weeks to receive benefits may be available during high unemployment times. Similarly, in some states, you may benefit for specific purposes as stated in the state laws.

Upon losing your job and getting entitlements to the above benefits, you will be assured of paying your bills such as house rent, electricity bills, etc. in an interrupted manner while you still look for a new job or while you plan on undertaking other income generating projects to sustain yourself and your family.

In some cases, these benefits cover health insurance as well as job training as you look for a different job.

Even if you worked o part-time basis, but you were employed in accordance with the state laws and end up losing or quitting your job for the above reasons, you will still have a chance to collect your unemployment benefits.

Unemployment insurance offers some benefits to individuals whose job come to an end for one reason or another and qualify for the stated benefits as per existing state laws. Although these benefits are involved for the qualified candidates, it should be noted that quitting a job should be the last resolution after trying out all means to continue working. However, the bottom-line still remains that unemployment insurance is absolutely important if you have resigned or quit your job for a reason good enough to be approved by existing employment/unemployment laws.

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