What Do I Do After Unemployment Benefits Are Exhausted?
The end of your unemployment benefits is really scary if you don't yet have a job. Before your benefits end completely, start working to secure a place to live, food to eat and some type of income. If you have plans in place, the loss of your safety net won't be as traumatic for you or your family.
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Plan Ahead
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Don't wait until you get your last check to start taking action. If you are concerned about being able to pay rent, contact your landlord now to see if you can terminate your lease or whether he will work with you on the rent. Call friends and family and ask if they are willing to let you come stay with them for awhile. If you have some income, look into getting a roommate to help pay expenses. If you don't have any income, look into finding a place to live where you can work in exchange for housing. For example, some social service agencies match elderly and disabled people who own a home, or have a lease on an apartment, with individuals who will provide basic housekeeping in exchange for rent.
Ask About Benefits
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You may be entitled to participate in social welfare programs, including food stamps, utility assistance and cash benefits. Income qualifications varies by program, so don't assume that you have "too much" in order to qualify. Contact your local state health and human services office for information on how to apply for help. In many states, you'll only have to fill out one application, and your caseworker can then tell you what benefits you can receive.
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Contact Local Charities
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Food banks, churches and other charities offer additional assistance. Some may be able to help by providing food, clothing, one-time assistance with rent or utility payments and even child care. Start calling organizations in your area to find out what they offer and if they can't help you, ask for referrals to groups that can.
Take a Part Time Job
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Many people are reluctant to take a part-time job while receiving unemployment benefits, because they risk losing or significantly lowering the benefits they currently receive. However, if it looks like your unemployment has come to an end, taking a job, any job, makes sense. Sign up with temporary agencies and start filling out applications at retail stores and other businesses that regularly hire part-time workers.
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