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The Riley Guide:Before You Search

Coping with Job Loss

June 2009

Maintaining Your Health Insurance
Advice on Surviving a Job Loss

We have the information you need to File for Unemployment Benefits.
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Maintaining Your Health Insurance

COBRA Health Insurance Continuation Premium Subsidy, American Recovery and Reinvestment Act of 2009
"Workers who have lost their jobs may qualify for a 65 percent subsidy for COBRA continuation premiums for themselves and their families for up to nine months." This is one of many consumer provisions included in the stimulus plan. Easily readable information on many of these, including the COBRA provision, can be found at the Recovery.gov, but believe me, this is easier.
Health And Retirement Benefits After Job Loss, US Department of Labor Employee Benefits Security Administration
The February 10 2009 edition of the Health section of the Washington Post included a great note with information on your options in continuing your health care coverage during a job loss which pointed to this website. There is information here for both employers and employees, and employees should read both. The article's author, Francesca Lunzer Kritz, also noted that there is some repetition of information if you read everything, but she also said you should read everything. One important thing I noted: you need to keep on a file a certificate showing how long you had health benefits with your previous employer. This helps you qualify for some insurance programs between employers and also assists with coverage for pre-existing conditions when you get new coverage. Also note: there are short deadlines for application for certain benefits when you experience a job loss. Take notes. If you have questions you can call 1-866-444-3272 toll free to be connected to a local DOL office, and please leave a message if you are prompted to do so. They will call back. Check back for updates as Congress looks at legislation to assist with COBRA coverage, etc.
Access to Health Insurance / Resources for Care
"A major concern among Americans is their lack of access to affordable insurance and appropriate health care. [...] The AHIRC database was created in 1998 by The Actors Fund, with a grant from the National Endowment for the Arts, as a health insurance resource for artists and people in the entertainment industry. With support from The Commonwealth Fund, the AHIRC database has expanded to include resources for the self-employed, low-income workers, the under-insured, the uninsured who require medical care and many other groups." This is a marvelous collection of lists of and links to sources for health insurance and affordable health care programs available in all 50 states plus DC. Some sections are not as complete as they'd like, but this is a great way to get started in your search for health care assistance.

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Advice on Surviving a Job Loss

Laid Off or Displaced? Get Help , AARP.org
An excellent article outlining benefits for which you might qualify after losing your job. You'll find more good articles on dealing with a job loss linked from this page.
Advice for the Involuntary Job Seeker
... Excellent article with pointers on how to cope with a sudden job loss. Under item #6, substitute your own university career center, who can point you towards available resources and services to suit you. Provided by The Career Center at Duke University.
Being Laid Off, Job-Hunt.org
...this section of Job-Hunt.org includes a few articles on how to recognize a layoff may be coming, how to prepare both at the office and at home, and how to survive the process. A lot of this advice comes from the author's own experiences (she herself went through the huge DEC layoffs of the 1980's) along with those of her friends.
The Job Loss Guide, Jim Davis
This is a very extensive and comprehensive guide to coping with and recovering from a job loss. It is a process very much like grief, and Mr. Davis addresses the issues we all feel when we are hit with such a major change in our lives. He also allows you to share your own stories, concerns, and questions with others so together we can support each other. His Job Loss Survival guide is quite good, and you can print out a copy of the entire guide using the link under Part One. Mr Davis is creator of Family Corner.net and a career coach based in Tennessee.
Unemployment Help from the AFL-CIO
Even if you are not a member of the AFL-CIO, you will find information here to help you and your family in the event of a job loss.
Coping with Job Loss
"Losing a job can be one of the most devastating personal crises of a lifetime. [...] Although financial decline is a serious issue, the blow to one's ego is even more difficult to face. " This article looks at the many things you may be feeling or experiencing after your loss, and then offers suggestions for handling or even defeating these negative influences so you can get back on the trail to new opportunities. From COPE, an organization dedicated to making workplaces in the greater Washington, DC, metropolitan area healthier and more productive. You may find even more helpful articles in their COPELines Library.
1800layoffhelp.com
...a website dedicated to helping those recently laid off as well as those who suspect the ax will fall soon. The front page is filled with news reports of employment trends, while the rest of the site covers Unemployment Help, Financial Help, or Miscellaneous. Several articles help you take those first important steps after a layoff or re-work your budget for the current "emergency" period, or save money at the grocery store. There's a lot here, and it will take some time to dig through it all, but you will find some very helpful resources.
Change How You Think.org
...this site is operated by a life coach based in Ireland, but I like the many articles he has posted on ways to improve your outlook on life, deal with situations and people, and more.
Worker ReEmployment Portal, CareerOneStop.org
This section of CareerOneStop was designed to assist those who have lost their jobs in the current economic slide. It is divided into 4 main areas: Get Immediate Help, Find a Job, Change Careers, and Upgrade Your Skills. Under each, you will find information to assist you along with links to the state resource where you will find assistance. I am not thrilled with the list of Private-Sector Job Banks and Private-Sector Portals repeated across all of the State Job Banks, but I will admit it is a starting point. The sections titled Change Careers and Upgrade Your Skills offer excellent advice and terrific resources to assist you.
GovBenefits.gov New!
A portal dedicated to providing improved, personalized access to government assistance programs. "Are there government benefit programs available to help you? GovBenefits.gov will help you answer that question. Our online screening tool is free, easy-to-use, and completely confidential. We do not require your name, phone number, Social Security number, or any other information that could be used to identify you. You answer a series of questions about yourself, and then GovBenefits returns a list of government benefit programs you may be eligible to receive, along with information about how you can apply. Whether it's a direct payment, loan, insurance, training, or other services - there may be government benefit programs available to help you. To get started, go to the homepage, choose either Locate Federal or State Benefits, Browse by Category, or Get Results by Questionnaire."

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