There are a variety of benefit and aid programs to help you if you lose your job. CareerOneStop.org is a good place to start. It can help with unemployment insurance benefits, job training, and finding a job.
Am I eligible?
Unemployment insurance programs pay you money if you lose your job through no fault of your own. You must meet your state's eligibility requirements.
Some states provide extended benefits when there's high unemployment. Extended unemployment insurance benefits last for 13 weeks. You can apply for extended benefits only once you've run out of regular benefits. Check with your state; not everyone qualifies.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families the right to choose to continue group health coverage provided by their group health plan for limited periods of time.
There are three basic requirements that must be met for you to be entitled to elect COBRA continuation coverage:
Your group health plan must be covered by COBRA
A qualifying event must occur (for example, voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, or divorce)
You must be a qualified beneficiary for that event
If you are entitled to elect COBRA continuation coverage, you must be given an election period of at least 60 days to choose whether or not to elect continuation coverage.
How to Get COBRA
Under COBRA, group health plans must provide covered employees and their families with a notice explaining their COBRA rights. Plans must also have rules for how COBRA continuation coverage is offered, how qualified beneficiaries may elect continuation coverage, and when it can be terminated.
Disability insurance protects individuals and their families from financial hardship when illness or injury prevents them from earning a living. Many employers offer some form of disability coverage to employees, or you can buy an individual disability insurance policy.
Types of Disability Policies
There are two types of disability policies:
Short-term disability policies have a maximum benefit of two years.
Long-term disability policies have benefits that can last the rest of your life.
Employers may offer short-term disability coverage, long-term disability coverage, or integrate both of these as part of a competitive employee benefits package. When purchasing individual disability insurance coverage, you should ask:
Workers' compensation laws protect employees who get hurt on the job or sick from it. The laws establish workers’ comp, a form of insurance that employers pay for. These laws vary from state to state and for federal employees. In general, workers’ comp provides:
Coverage for workers’ medical expenses
Compensation for lost wages while a worker is out recovering
Benefits for dependents of workers who died from job-related hazards
Private Sector and State or Local Government Employees
If you get hurt working for a private company or state or local government, seek help through your state. Your state workers' compensation program can help you file a claim. If your claim is denied, you can appeal.
Longshoremen, Harbor Workers, Coal Miners, and Federal Employees
Federal laws protect longshoremen, harbor workers, coal miners, and federal employees. Contact the workers' compensation program that applies to you for help filing a claim.
Wrongful Discharge/Termination of Employment
If you feel that you have been wrongfully fired from a job or let go from an employment situation, you may wish to learn more about your state's wrongful discharge laws.
Wrongful termination or wrongful discharge laws vary from state to state.
Some states are "employment-at-will" states, which means that if there is no employment contract (or collective bargaining agreement), an employer can let an employee go for any reason, or no reason, with or without notice, as long as the discharge does not violate a law.
If you feel you have been wrongfully discharged or terminated from employment, you may:
Contact your State Labor Office for more information on wrongful termination laws in your state.
Seek legal counsel if your employer terminated you for any reason not covered under state or federal law.