Phillip Tilley

Unemployment insurance (not)

October 11, 2010 |  1 comment
Image Credit: sxc.hu The term unemployment insurance is really a misnomer. A more accurate term would be layoff insurance and even that is not entirely accurate for all cases. When you think of unemployment you usually associate it with the benefit of receiving government money for not having a job. But there are only certain instances where you “qualify” to receive payments from unemployment insurance.

It is not really insurance either. It is a tax on employers for the benefit of labor. Back in 1935 as part of the Social Security Act, the government told the States to create unemployment insurance plans. The U.S. Congress passed the Federal Unemployment Tax Act (FUTA) giving the IRS the authority to collect the tax from employers to fund the programs. Generally speaking, employers have to pay both the State and Federal government what amounts to 6.2% of taxable wages of employees.

There are really only two instances in which a person qualifies to receive unemployment benefits. The most obvious is when a layoff occurs and you lose your job through “no fault” of your own. This could happen if your employer goes out of business or a slow-down in your industry forces an employer to cut back their work force to stay competitive. You as an individual have no control over the situation and you personally did nothing wrong.

The second instance in which you qualify to receive unemployment benefits is if you had to be let go from a job because even though you are willing to do the job, you are just not capable of performing the job. This usually is discovered during the “probationary” period of employment which can be from three months to a year. During the probationary period the employer evaluates your skills and decides if they want to keep you or replace you with someone more efficient.

It would not be reasonable for an employer to let an employee go after ten years on the job because they are not capable of performing the tasks. If they have been doing the job for ten years they must know how to do the job or they would have been replaced a long time ago.

Also there are eighteen States where you qualify for unemployment benefits if your employer cuts your hours from full time to part time status. In those states you can receive benefits for the amount of hours you were cut back. But remember this is in only eighteen States and the benefits amount to only about 36% of what your income would have been. But as the Russians say, “Half a loaf is better than no loaf at all”.

There are more categories of unemployed people that do not qualify to receive unemployment benefits than there are that do. If you quit your job you do not qualify for benefits. You departed the job while you were still capable of doing the tasks and fully capable of performing them up to standards. The technical term for quitting a job is “Job Abandonment”. If you abandon your job you do not get paid unemployment benefits for doing so. This is why most people line up a better job before leaving their old one.

To qualify for benefits you also must have worked four quarters out of the last five quarters for a year and three months. If you are a recent High School or College graduate and you have never worked a job before, you do not qualify for benefits. If you got a job and after nine months the business had to lay you off through no fault of your own, and it was your first job, you would not qualify to receive benefits because you only worked three quarters. A quarter is not 25 cents, it is a three month period. There are four quarters in a year.

The two bit whore worked for a lot of quarters but did not qualify for unemployment benefits. Two bits is a quarter, but that is the 25 cent kind of quarter. Also her employer the Pimp did not pay the FUTA tax to the government. Maybe it is just me but I think it is funny the first two letters are FU. People in the underground economy performing such criminal activities as prostitution and drug sales and selling stolen goods avoid all taxes and when they stop their criminal activities become technically unemployed but they do not qualify for benefits.

Another group of unemployed people that do not qualify for benefits are people that may have a disability that makes them incapable of performing the tasks necessary. There are other financial programs like disability they may qualify for, but even though they are unemployed they do not qualify for unemployment benefits.

If you are fired from your job you do not qualify for unemployment benefits. To be fired your employer needs to show just cause and not just cause they do not like you. Just cause to fire you could include gross misconduct, insubordination, or failure to show up for work at the assigned time on the assigned days. Just cause means you were the one at fault and it is you who controlled the factor that led to your termination of employment.

Gross misconduct does not mean picking your nose, it means you did something like steel from your employer, were constantly rude to customers, clients or co-workers. If you are fired for gross misconduct you do not qualify for benefits.

Insubordination means refusing to perform a lawful or legal task that your boss ordered you to do. Asking you to run the cash register for an hour while the regular cashier is at lunch is perfectly legal and an acceptable duty. If you refuse, that would be insubordination and you could be fired and would not qualify for benefits.

Your boss cannot fire you for refusing to perform an illegal act, such as have sex with them as a condition of employment. If the boss tells you to pour six drums of hazardous chemicals down a storm drain, which you know is illegal, you can refuse and not be fired for it. If your boss asks you to kill a client or customer you can refuse and not be fired for it. If you do get fired for refusing to perform an illegal act, you can first turn your boss over to Federal and State investigators, and secondly you can sue for wrongful discharge. You would not qualify for unemployment because you were fired so you could sue for lost wages that you would have earned for the assumed remainder of what would have been your employment with the company.

Another group of people that do not qualify for unemployment benefits are self employed individuals. They are not required to pay the FUTA tax on themselves and are therefore not included in the benefits should they become unemployed.

If you have received unemployment benefits for more than 26 weeks the benefits will have run out and you are no longer qualified. Recently Congress extended the benefits past 26 weeks for a temporary time to help during this economic crisis.

These are only some of the reasons when the government says unemployment is 9.6% it is really probably twice that figure, but the other half does not qualify to be counted. Wake up people, the money matrix has you.

Phillip Tilley is author of The Money Matrix of the New World Order and other articles.[!gad]The term unemployment insurance is really a misnomer. A more accurate term would be layoff insurance and even that is not entirely accurate for all cases. When you think of unemployment you usually associate it with the benefit of receiving government money for not having a job. But there are only certain instances where you “qualify” to receive payments from unemployment insurance.

It is not really insurance either. It is a tax on employers for the benefit of labor. Back in 1935 as part of the Social Security Act, the government told the States to create unemployment insurance plans. The U.S. Congress passed the Federal Unemployment Tax Act (FUTA) giving the IRS the authority to collect the tax from employers to fund the programs. Generally speaking, employers have to pay both the State and Federal government what amounts to 6.2% of taxable wages of employees.

There are really only two instances in which a person qualifies to receive unemployment benefits. The most obvious is when a layoff occurs and you lose your job through “no fault” of your own. This could happen if your employer goes out of business or a slow-down in your industry forces an employer to cut back their work force to stay competitive. You as an individual have no control over the situation and you personally did nothing wrong.

The second instance in which you qualify to receive unemployment benefits is if you had to be let go from a job because even though you are willing to do the job, you are just not capable of performing the job. This usually is discovered during the “probationary” period of employment which can be from three months to a year. During the probationary period the employer evaluates your skills and decides if they want to keep you or replace you with someone more efficient.

It would not be reasonable for an employer to let an employee go after ten years on the job because they are not capable of performing the tasks. If they have been doing the job for ten years they must know how to do the job or they would have been replaced a long time ago.

Also there are eighteen States where you qualify for unemployment benefits if your employer cuts your hours from full time to part time status. In those states you can receive benefits for the amount of hours you were cut back. But remember this is in only eighteen States and the benefits amount to only about 36% of what your income would have been. But as the Russians say, “Half a loaf is better than no loaf at all”.

There are more categories of unemployed people that do not qualify to receive unemployment benefits than there are that do. If you quit your job you do not qualify for benefits. You departed the job while you were still capable of doing the tasks and fully capable of performing them up to standards. The technical term for quitting a job is “Job Abandonment”. If you abandon your job you do not get paid unemployment benefits for doing so. This is why most people line up a better job before leaving their old one.

To qualify for benefits you also must have worked four quarters out of the last five quarters for a year and three months. If you are a recent High School or College graduate and you have never worked a job before, you do not qualify for benefits. If you got a job and after nine months the business had to lay you off through no fault of your own, and it was your first job, you would not qualify to receive benefits because you only worked three quarters. A quarter is not 25 cents, it is a three month period. There are four quarters in a year.

The two bit whore worked for a lot of quarters but did not qualify for unemployment benefits. Two bits is a quarter, but that is the 25 cent kind of quarter. Also her employer the Pimp did not pay the FUTA tax to the government. Maybe it is just me but I think it is funny the first two letters are FU. People in the underground economy performing such criminal activities as prostitution and drug sales and selling stolen goods avoid all taxes and when they stop their criminal activities become technically unemployed but they do not qualify for benefits.

Another group of unemployed people that do not qualify for benefits are people that may have a disability that makes them incapable of performing the tasks necessary. There are other financial programs like disability they may qualify for, but even though they are unemployed they do not qualify for unemployment benefits.

If you are fired from your job you do not qualify for unemployment benefits. To be fired your employer needs to show just cause and not just cause they do not like you. Just cause to fire you could include gross misconduct, insubordination, or failure to show up for work at the assigned time on the assigned days. Just cause means you were the one at fault and it is you who controlled the factor that led to your termination of employment.

Gross misconduct does not mean picking your nose, it means you did something like steel from your employer, were constantly rude to customers, clients or co-workers. If you are fired for gross misconduct you do not qualify for benefits.

Insubordination means refusing to perform a lawful or legal task that your boss ordered you to do. Asking you to run the cash register for an hour while the regular cashier is at lunch is perfectly legal and an acceptable duty. If you refuse, that would be insubordination and you could be fired and would not qualify for benefits.

Your boss cannot fire you for refusing to perform an illegal act, such as have sex with them as a condition of employment. If the boss tells you to pour six drums of hazardous chemicals down a storm drain, which you know is illegal, you can refuse and not be fired for it. If your boss asks you to kill a client or customer you can refuse and not be fired for it. If you do get fired for refusing to perform an illegal act, you can first turn your boss over to Federal and State investigators, and secondly you can sue for wrongful discharge. You would not qualify for unemployment because you were fired so you could sue for lost wages that you would have earned for the assumed remainder of what would have been your employment with the company.

Another group of people that do not qualify for unemployment benefits are self employed individuals. They are not required to pay the FUTA tax on themselves and are therefore not included in the benefits should they become unemployed.

If you have received unemployment benefits for more than 26 weeks the benefits will have run out and you are no longer qualified. Recently Congress extended the benefits past 26 weeks for a temporary time to help during this economic crisis.

These are only some of the reasons when the government says unemployment is 9.6% it is really probably twice that figure, but the other half does not qualify to be counted. Wake up people, the money matrix has you.

Phillip Tilley is author of The Money Matrix of the New World Order and other articles. Comments (1)

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