Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Unemployment follow up

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Unemployment follow up

    I put this in the bk talk rather than general talk on purpose as most on this are here or will soon be here in bk.

    The questions we all want to know: Is the UC going to continue?

    Mrs. has been on UC since 10/2007. Either there just is no work, she is over-qualified, or too old for employment. Not even is Walmart hiring. So, down to the last day with only a partial week in account, she draws.

    First: the account comes up with three year old dates, check disbursed in 07, and next date to file 1/4/2011.

    Next: Checking the account today, next to file is 1/11/2011, and new amount and new balance of nine more weeks. She never had to refile, when the account goes to zero, she gets a new balance. The stimulus was stopped but I am not understanding this now three years of pay out.

    Of course we desperately need it, but would rather do a days work to earn it. We are not a fool so of course we will as we both have a combined work payment of over 100 years we have paid into the system.

    Bottom line: The UC is going on as all have been wondering. 'Hub
    If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

  • #2
    The UC is on a tier system and I think it only goes to a Tier 5?

    Comment


    • #3
      Originally posted by AngelinaCatHub View Post
      I put this in the bk talk rather than general talk on purpose as most on this are here or will soon be here in bk.

      The questions we all want to know: Is the UC going to continue?

      Mrs. has been on UC since 10/2007. Either there just is no work, she is over-qualified, or too old for employment. Not even is Walmart hiring. So, down to the last day with only a partial week in account, she draws.

      First: the account comes up with three year old dates, check disbursed in 07, and next date to file 1/4/2011.

      Next: Checking the account today, next to file is 1/11/2011, and new amount and new balance of nine more weeks. She never had to refile, when the account goes to zero, she gets a new balance. The stimulus was stopped but I am not understanding this now three years of pay out.

      Of course we desperately need it, but would rather do a days work to earn it. We are not a fool so of course we will as we both have a combined work payment of over 100 years we have paid into the system.

      Bottom line: The UC is going on as all have been wondering. 'Hub
      well all we know is that we have rec'd at least 5 pieces of mail for the EU office.....first saying to continue to file...then we did and got only one weeks pay...then two days later we rec'd a notice that our filing dates have changed.....and to file on such and such a date..we did that......THEN yesterday we rec'd yet another notice saying that our filing dates are now changing based on the last number of our ss numbers........YIKES!!! ok....so we filed yesterday and ONLY got paid for one week again......what a mess!

      however, we just both went into tier 3....just got the first payment....that's all we know at this point....and we were advised we are at the beginning of tier 3 and have but one tier left...."4"......and that would, in fact bring us up to a total of the 99 weeks but NOT beyond.
      8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

      Comment


      • #4
        I found in another where your spouse says she's been working part time and now it all makes sense. Working part time allows you (in most states) to claim your UI benefits at a "partial benefit rate" and usually will result in your UI lasting longer as UI is calculated on an amount, not on a time period.

        I'll use my case to explain:

        Laid off in 8/2008. Received the max available in UI in New Jersey as I was making close to six figures so $550/weekly. They calculate 26 (original amount) weeks X $550 = $14,300 = your "bank", so to speak. Take a part time job in a day care in October of 2008. Allows you to receive partial benefits through this format = $550 weekly X 126% (every state is different on their partial benefit rate) = $693 subtract your part time gross wages (let's say, $280) = $413 for that week.

        So instead of pulling $550/weekly, I'm pulling about $400 or so weekly thereby extending the length of time that $14,300 lasted. So I go into Tier I about six weeks later than if I had not worked at all.

        Then I'm laid off by said day care. When it comes time to move into Tier II, I have to "test" for a new claim, not my idea but the law. Month 1/2 of fighting with former employer (who is unappreciative of UI filing several months after lay off, but, hey, it was the law); I get completely new claim in PA and start all over at 26 weeks. This is in August, 2009, a full year after my layoff.

        Then I work part time again from December, 2009 to June, 2010 and extend my bank further. So a full two years after losing my job, I only just started Tier II.

        I don't even tell people that I receive UI benefits anymore because it is SO friggin' complicated and people look at you like, "say what? You lost your job in 2008."

        But I'll take it because I look at it the same way you do - my husband and I worked four decades thus far between the two of us and we've worked in states where we contribute to SUI - in fact, I believe we've contributed over $30,000 in SUI premiums at this point. And if I was eligible for a new claim because I took an $11/hour job completely out of my field wiping noses and changing diapers and that resulted in a new claim from being laid off AGAIN, well, then, good for me, I guess.

        But to make a long story short, I'm guessing that working part time has extended your EUC timeline in the same way.
        over $100K cc debt,$20K taxes,$332K mortgages/value $190K,surrendered
        Confirmed, $801/month 56 down,4 to go

        Comment


        • #5
          Originally posted by Ifonly View Post
          I found in another where your spouse says she's been working part time and now it all makes sense. Working part time allows you (in most states) to claim your UI benefits at a "partial benefit rate" and usually will result in your UI lasting longer as UI is calculated on an amount, not on a time period.

          I'll use my case to explain:

          Laid off in 8/2008. Received the max available in UI in New Jersey as I was making close to six figures so $550/weekly. They calculate 26 (original amount) weeks X $550 = $14,300 = your "bank", so to speak. Take a part time job in a day care in October of 2008. Allows you to receive partial benefits through this format = $550 weekly X 126% (every state is different on their partial benefit rate) = $693 subtract your part time gross wages (let's say, $280) = $413 for that week.

          So instead of pulling $550/weekly, I'm pulling about $400 or so weekly thereby extending the length of time that $14,300 lasted. So I go into Tier I about six weeks later than if I had not worked at all.

          Then I'm laid off by said day care. When it comes time to move into Tier II, I have to "test" for a new claim, not my idea but the law. Month 1/2 of fighting with former employer (who is unappreciative of UI filing several months after lay off, but, hey, it was the law); I get completely new claim in PA and start all over at 26 weeks. This is in August, 2009, a full year after my layoff.

          Then I work part time again from December, 2009 to June, 2010 and extend my bank further. So a full two years after losing my job, I only just started Tier II.

          I don't even tell people that I receive UI benefits anymore because it is SO friggin' complicated and people look at you like, "say what? You lost your job in 2008."

          But I'll take it because I look at it the same way you do - my husband and I worked four decades thus far between the two of us and we've worked in states where we contribute to SUI - in fact, I believe we've contributed over $30,000 in SUI premiums at this point. And if I was eligible for a new claim because I took an $11/hour job completely out of my field wiping noses and changing diapers and that resulted in a new claim from being laid off AGAIN, well, then, good for me, I guess.

          But to make a long story short, I'm guessing that working part time has extended your EUC timeline in the same way.
          yes, that does make sense for "temporary" or "full" part time employees....i know in florida i believe you must work at least 20 weeks straight for the same company...unless they changed that as well...and the only reason i know that is our neighbor got laid off...she was a contract worker for 6 years...well they finally put her "on the books" and 3 weeks later let her go...she applied for unemployment in florida and was told she had to be on the books for 20 weeks straight...but again that's 2nd hand info...

          where we came from it was consistence employment ....for a min. amount of weeks...i know all of the states may vary somewhat. although this extension is federal and not state funds...so that's where this gets a bit confusing!
          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

          Comment


          • #6
            Yes, the only calls I received for interviews (all three of them, LOL) after being laid off were for "temp to perm" contract work for the pharmaceuticals in NJ. So, I worked on a 1099 for seven months or so, pay both sides of FICA, no benefits, etc. and if they don't hire me, I'm not eligible for UI after the seven months are up because I would have been self-employed. Thanks, but no thanks.

            I was terrified with the day care since I made $4,000 over four and half months but I had so much work history for the 18 years before, it seemed that my last two quarters of my Sr. VP gig were never used in my initial claim. So they were used for the financial determination in my second claim.

            That is one of the MOST confusing things about UI to most people. You can be financially eligible without being actually eligible. And you can be actually eligible (fact of termination) without being financially eligible (what happened to your friend).

            I find the system confusing and I was a corporate operational accountant for almost two decades and understand the system (from both sides - employee and employer) possibly better than most. And some states are nightmarish to deal with - NJ was awful. PA actually runs their system very well.
            over $100K cc debt,$20K taxes,$332K mortgages/value $190K,surrendered
            Confirmed, $801/month 56 down,4 to go

            Comment


            • #7
              ifonly...so you were with one of the pharmaceuticals in nj as a contract employee??? oh i know that one.......well my husband was with the one company that got purchased.....and he was one of the first laid off because he was a contracted..... contracted employee.......LOL!!!!!!!! in other words he worked for a company hired by the pharmaceuticals as contractors for that area of expertize... of course when the other company was going to take over they had their own contract company....although since my husband was the "top" person...he went first since he had the highest salary...he had been there 15 years....but before that was with the state for over 30 years...so EU had a few places to draw from for him....
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

              Comment


              • #8
                Oops, no, typo, sorry! I just realized I wrote, "worked". I should have said, "so, I would work...." meaning I never accepted any of those interviews because I didn't want to put myself into that situation - where I could bust my butt, have the contract end, and then not even have UI as a stop gap, especially since the court based our 13 payments on my UI payments.

                That's awful about your husband. I see this more and more frequently in my line of work. What people don't realize is that it is no longer "dead weight" or "under-educated" folks being let go and unable to find other employment. It is is incredibly experienced, educated people who, actually, do contribute a great deal. They companies simply decide that they can fill that level of expertise more cheaply and so what if the job is only done half as well? It is the "penny wise, pound foolish" way of new American business; or the "hey, it's good enough" mentality. I can't tell you how many laws my last part time employer was breaking (my little part time gig I had until this past June). They simply didn't care because they didn't get caught and, if they did, a slap on the wrist and they would go right back to breaking the law. I love it when I read random comments on the internet that the unemployed need better job training and need to go back to school. Yeah, so I can have a third degree to be overqualified with. And the advice to dumb down your resume? Even if I were willing to lie (which I'm not), how do I hide the fact that I was a Controller/CFO and then the Sr. VP of Finance for almost a decade? I'd have to ERASE my resume, LOL.
                over $100K cc debt,$20K taxes,$332K mortgages/value $190K,surrendered
                Confirmed, $801/month 56 down,4 to go

                Comment


                • #9
                  well i have 3 degrees and am now going back to as on PP put it...the university of burgers....since walmart now requires a masters to be a greeter...which i have...unfortunately in the wrong field...LOL!!!!!

                  you were smart to have not taken one of those positions...that's all they do now...part time temp jobs...and keep rehiring etc. terrible. no health ins...any benefits whatsoever.

                  and by the way...my son in law did in fact lie on an application stating he did NOT have a masters degree....that county found out and he was banned for lying!!!!

                  they moved out of state!
                  8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                  Comment


                  • #10
                    'Ifonly" Thanks that makes sense. So, we aren't complaining as things are going up by shortages (fuel) due to PresBO not allowing us to get our own product but letting us buy it from his brothers instead, and now the weather (Global Warming at 20 degrees in Orlando) so vegis' go up, then once the fiat money hits the system more inflation. "Don't hit a man when he's down. Stab him instead". Seems as our Government is now doing to the middle class (now heading down). 'Hub
                    If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

                    Comment


                    • #11
                      Originally posted by AngelinaCatHub View Post
                      'Ifonly" Thanks that makes sense. So, we aren't complaining as things are going up by shortages (fuel) due to PresBO not allowing us to get our own product but letting us buy it from his brothers instead, and now the weather (Global Warming at 20 degrees in Orlando) so vegis' go up, then once the fiat money hits the system more inflation. "Don't hit a man when he's down. Stab him instead". Seems as our Government is now doing to the middle class (now heading down). 'Hub
                      hub...just hand over the sword and let's get it over with...i don't want little stabs...i want the entire head cut off at once....

                      this chipping away at us is killing us slowly.....it's so cold here what's up with that??? it's becoming the norm...this is our 3rd winter here and i have to wear leggings and leg warmers....and down coats....explain that please...LOL!!!
                      8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                      Comment


                      • #12
                        (VIDEO)

                        by Amanda Hara

                        SMYRNA, Tenn. - If you are collecting unemployment benefits, you'd better keep reading.

                        The extension President Obama signed may not apply to you.

                        After 13 years with Whirlpool, James Johnson learned the plant was shutting down and that his job was over. That was two years ago.

                        Johnson's been drawing unemployment for 99 weeks, and thought the new piece of legislation would extend the help.

                        Like so many others, Johnson misunderstood what the extension really means.

                        "Individuals who had already received the maximum number of weeks of eligibility would not qualify for any additional benefits," Don Ingram with the Department of Labor said.

                        Before the new legislation was signed, federal unemployment would have run out last month. The extension continues it for another year, but only for people who have been getting help for less than 99 weeks.

                        "I can certainly understand why everyone was confused," Ingram said.

                        Ingram said not everyone qualifies for the maximum of 99 weeks. The number of weeks of eligibility is determined by the claimant's earnings during their Base Period.

                        With no money coming in, Johnson said he'll fall back on what he knows best: performing music.

                        For folks currently enrolled in unemployment benefits who haven't exhausted their 99 weeks, there is no need to re-apply.

                        Email: [email protected]


                        http://www.newschannel5.com/story/13...-confuses-many

                        Comment


                        • #13
                          Originally posted by platter View Post
                          (VIDEO)

                          by Amanda Hara

                          SMYRNA, Tenn. - If you are collecting unemployment benefits, you'd better keep reading.

                          The extension President Obama signed may not apply to you.

                          After 13 years with Whirlpool, James Johnson learned the plant was shutting down and that his job was over. That was two years ago.

                          Johnson's been drawing unemployment for 99 weeks, and thought the new piece of legislation would extend the help.

                          Like so many others, Johnson misunderstood what the extension really means.

                          "Individuals who had already received the maximum number of weeks of eligibility would not qualify for any additional benefits," Don Ingram with the Department of Labor said.

                          Before the new legislation was signed, federal unemployment would have run out last month. The extension continues it for another year, but only for people who have been getting help for less than 99 weeks.

                          "I can certainly understand why everyone was confused," Ingram said.

                          Ingram said not everyone qualifies for the maximum of 99 weeks. The number of weeks of eligibility is determined by the claimant's earnings during their Base Period.

                          With no money coming in, Johnson said he'll fall back on what he knows best: performing music.

                          For folks currently enrolled in unemployment benefits who haven't exhausted their 99 weeks, there is no need to re-apply.

                          Email: [email protected]hannel5.com


                          http://www.newschannel5.com/story/13...-confuses-many
                          this is an excellent explanation of the bill...how at least how it works...

                          and that is what we thought as well...we were just confused because we personally were just ending our 2nd tier and were going to enter the 3rd....we also know we now have a 4th...and that will bring us to the full 99 weeks...but after that...it's done...finished...hopefully, however, doubtfully we may find jobs by then....but it doesn't look good for us...even when we lie on our resumes...
                          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                          Comment


                          • #14
                            I just really wonder what is going to happen to all of us. How can the government seriously jepardize the welfare of the many of us who have worked all our lives? Now that we are 'baby boomers', the rug has been pulled out from under us. So many of us over the 'wanted' age (whatever that may be) and not close enough to retirement. It is a sad, sad situation that OUR government is allowing this to happen.

                            I just read an article this week about the many corporations who are thriving - because their employees are overseas. Yes, I know we all know this has been happening for years, but WHY is our government allowing it? Just makes me mad.

                            Comment


                            • #15
                              Well, the government is pretty much owned by the same special interests who moved their workforce from U.S. to Far East and what not...and Republican vs. Democrat doesn't make any difference in this particular case...in my opinion, that is...

                              I was unemployed for several months back in 2003 and it sucked from way too many aspects...so I feel the pain of everyone who's in that spot and worried about their future...

                              Good luck to all.
                              No person in their right mind files a Ch. 13 with lien strip pro se. I have.Therefore, please consider me insane and clinically certifiable when reading my posts, and DO NOT take them as legal advice of any kind.Thank you.

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X