Saturday

Unemployment Benefits


You might be able to get unemployment benefits if you don’t have a job or work less than full-time.
What are unemployment benefits?Unemployment insurance is a program paid for by employers and your tax dollars when you’re working. If you lose your job and it’s not your fault, you could qualify for these short-term benefits.

How much can you get and for how long?The amount of benefits you get depends on how much money you made in the 12 months before losing your job. When you’re approved, you’ll get a check once a week while you’re looking for work.

Job Loss Support Group

Job Loss Support Group

This site will allow you to network with other people in similar circumstances as you, and find referrals to outplacement consultants, financial analysts and counselors. You can also download an e-book called:

A GUIDE TO: Coping with Job Loss for Smarties

The Emotional Aspects of Job Loss and How To Take Back Control of Your Life

Do you have COBRA Insurance Questions? We have the answers. Know Your COBRA Rights.

Do you have COBRA Insurance Questions? We have the answers. Know Your COBRA Rights.

Is your COBRA insurance too expensive? Looking for a COBRA alternative? We have several options for you to quote and purchase online. Plans begin at $25 per month.

Between Jobs and need COBRA alternative?
Short-Term Health Insurance - less than 6 months
Student Health Insurance - Coming off parents health plan.
Did you Lose Your Group Life Insurance? - Click here for COBRA instant replacement coverage.
Permanent Health Insurance - more than 6 months
Dental Insurance
International Health Insurance - any time period

COBRA Insurance is a valuable tool in the COBRA insurance transition. We strive to make the COBRA Health Insurance process as smooth as possible, by offering alternatives, and education to every party involved.

Online Job Hunting Tough

Most companies with Web sites allow people to apply directly for jobs online. But do those applications ever get anywhere?

Dan Zarling has doubts. Since being laid off in November from U.S. Bancorp Asset Management, the 40-year-old former senior equity analyst has applied for jobs through six company Web sites -- and found it frustrating at best, he says. The applications can be so complex that "it's almost like you're applying for credit," Mr. Zarling says. The feedback from companies, meanwhile, is spotty.

"Some of them you get zero response back from, and you kind of wonder, what did I just do?" he says. "There was no acknowledgment that you spent a half hour trying to get your information to them."

The unpleasant truth, according to job seekers, career counselors and even some companies, is that applying for jobs on corporate Web sites is often a complicated and frustrating process. A few companies do a majority of hiring via their online systems. J.P. Morgan Chase & Co., in New York, says 77% of its hires so far this year started on the corporate Web site, and that includes entry level jobs up to some vice-president positions. But the process tends to be cloaked in mystery for job seekers themselves, who often shoot their credentials into cyberspace without ever hearing anything back.

Mark Mehler and Gerry Crispin, who run CareerXroads, a Kendall Park, N.J., recruiting-technology-consulting firm, set out to test what the typical experience is like. They invented a fictional job applicant named Vinnie Boombotz (a long-time joke name favored by comedians). Posing as Mr. Boombotz, the two men recently applied to nearly 400 large companies.
Mr. Boombotz's resume was patently ridiculous. It described him as a C.P.A., or "certified protection associate" at "Bad-a-Bing Corporation," and stated that in his current capacity as a collections supervisor he had "eliminated turnover and competition." It was balanced with some plausible work experience, however, and was designed to slip past a computer without a sense of humor. Because of the specifications at individual companies, not all parts of the resume were submitted to each company.

It's unclear how many companies caught on. More than half spat out a curt but encouraging automated e-mail to Mr. Boombotz thanking him for applying. At least six suggested that he apply for specific openings. J.P. Morgan, for instance, identified Mr. Boombotz as a possible match for an opening for a fraud hotline analyst, while Merck & Co. informed him of an opening for a merchandise analyst in a similarly worded e-mail. Mirant, a global energy company based in Atlanta, saw him as a possible candidate for a payroll accountant's job and a senior accountant position, among others. Several companies rejected Mr. Boombotz for the positions he originally applied for, but encouraged him to apply for other openings in the future.

Applicants to corporate Web sites are met with silence for many reasons. The competition is often stiff, since automation allows job seekers to flood the systems, leaving many companies facing the task of wading through thousands of resumes a month, and making it all but impossible to provide any individual feedback. (Merck, for instance, gets 30,000 resumes every month.)

Job listings themselves are sometimes out of date. While the Internet originally promised more efficient connections, "where it does not live up to the hype is with actually connecting with the hiring managers with openings," says Nancy Collamer, a Greenwich, Conn., career coach and author of "Layoff Survival Guide."

Many companies use automated systems to scan resumes for certain key words to weed the ranks, but the systems are imperfect at distinguishing among candidates. Some targets of the Vinnie Boombotz hoax insist their automated recruiting systems work well and provided the right feedback -- even in the case of Mr. Boombotz.

"In Vinnie's case, he bid on a job and he was rejected by a recruiter," says Michael DeAngelo, manager of staffing programs at Merck. Mr. DeAngelo has tracked Mr. Boombotz's application and determined that three e-mails were sent to him: one acknowledging his interest in Merck; another rejecting him for a staff accountant position; and a third telling him that his profile, based on his career interests, matched another opening. Merck kept the resume in its database because it was a version that didn't contain some of the more humorous aspects and therefore wasn't instantly recognized as a hoax, Mr. DeAngelo says. The resume sent to Merck listed Mr. Boombotz's address as Greeneyeshade Place in Lotsamoola, N.J.

Mr. Boombotz received a similar string of e-mails from J.P. Morgan. "The technology did its job," says Marion Dino, a national staffing executive at J.P. Morgan. Candidate profiles are based on job skills and experience listed by candidates during the online-application process, Ms. Dino says.

"This guy was not offered positions," says James Peters, a Mirant spokesman. "The system is working, because eventually the human element would come into play."

Automated screening tools are a necessity today, say all three companies. More than 500,000 people have entered the J.P. Morgan candidate database alone during the past 18 months. For some sales positions, Merck can receive as many as 2,000 resumes, according to Mr. DeAngelo. "You can't run a business and try to fill that job and talk to everyone that wants a job," he says.
Indeed, all three companies' systems performed better than the dozens of others that didn't send Mr. Boombotz any acknowledgment at all (although it's impossible to know if any of those companies figured out the resume was a hoax).

Maintaining candidate profiles, as each company does, enables them to alert job seekers to fresh openings and allows company recruiters to build long-term relationships with highly qualified candidates, they say.

Some job seekers, however, complain that real-life recruiters don't enter the hiring process often enough. The black hole that eats up resumes sent to corporate Web sites has become a cliche of job seeking during the past few years.

Laura Levitan, 45, says she has applied to positions through 25 corporate Web sites since she started her job search in January. After receiving nothing more than an automated reply in each case, she has given up hope of ever landing a position online. "I've stopped," Ms. Levitan says. "If there's a company that I really want to work for, I will just network into it."

Automated systems aren't going away anytime soon, however. By allowing companies to staff their recruiting teams more leanly and make more hires without paying for ads or expensive search firms, the systems are incredibly cost-effective. Mr. DeAngelo says Merck has saved "several million dollars" over the past year by relying more on its corporate Web site to find candidates.

Mr. Boombotz is likely to suffer an indignity in comparison with his real-life counterparts: Candidates generally remain in company databases for six to 12 months, but Mr. Boombotz won't be so lucky.

"Since we now know that he's not a real candidate, we're rubbing him out," says Peter Kelly, a staffing relationship manager at J.P. Morgan

Take this job and shove it

Take this job and shove it
I ain't working here no more
My woman done left and took all the reasons I was working for
You better not try to stand in my way As I'm a walking out the door.
Take this job and shove it I ain't working here no more
Ive been workin in this factory From now on fifteen years All this time I watched
my woman Drowning in a pool of tears And I've seen a lot of good folk die Who had
a lot of bills to pay I'd give the shirt right off of my back If I had the nerve to say
Take this job and shove it I ain't working here no more
My woman done left and took all the reasons I was working for You better not try
to stand in my way As I'm a walking out the door.
Take this job and shove it I ain't working here no more
Well that foreman, he's a regular dog The line boss, he's a fool Got a brand new
flat-top haircut Lord, he thinks he's cool One of these days, I'm gonna blow my top
And that sucker, he's gonna pay Lord I cant wait to see their faces
When I get up the nerve to say
Take this job and shove it I ain't working here no more My woman done left and
took all the reasons I was working for You better not try to stand in my way As I'm
a walking out the door. Take this job and shove it I ain't working here no more
Take this job and shove it