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Old 08-23-2008, 12:05 AM   #1 (permalink)
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I have had the worst week. I got laid off from work. It was a total shock. No one expected it. Whats worse is that I was the bread winner. DH is in school. Not only did I lose my job, but I lost my insurance. Now I cant afford my treatments anymore. I am so depressed I dont know what to do with myself.
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Old 08-23-2008, 12:15 AM   #2 (permalink)
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Erika, I am so sorry to hear that you lost your job. I'm the primary bread winner too so I know how devastating that must be. All I can say is hang in there and I hope everything goes well. Also--did you get a severance package? Maybe you can COBRA your benefits while you look for a new job. And don't forget to apply for unemployment benefits. I'm an employment lawyer and it may not be much but unemployment benefits can definitely help make ends meet while you look for a new job.
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Old 08-23-2008, 12:22 AM   #3 (permalink)
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Call your HR department and see if you have benefits till the end of the month. Then call your doctor and tell them what is up. Go tonight and fill out unemployment because it takes I think four weeks to start.

Then, take an immediate look at your money. What do you have and what do you owe? Did you get a severance package?

Something else you can do tonight is put your resume on Monster. Also, update or tweak it a tiny bit weekly so it looks fresh.

I am very sorry this happened. I remember when my job closed with no notice and all 60 of us were laid off.

It will be ok, I promise. Getting laid off was horrible at the time but in the end changed my life for the better.
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Old 08-23-2008, 12:30 AM   #4 (permalink)
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I am getting a severance package, but it is really not much, about 1 months worth of pay. My benefits are good until Sept. 30, but I am on CD 15 of a 30-45 day cycle. Who knows when it will come. I am still going to go see my RE to see what I can do. I put my resume on monster and reached out to ever person I know. Our last day is offically Sept. 1, which is why my benefits are good until the end of Sept. Do I have to wait until after that to file unemployment, or can i go now?
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Old 08-23-2008, 12:36 AM   #5 (permalink)
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Oh, good question.

I don't know but maybe the unemployment website has a FAQ for that?

I will say that we did actually almost break even on unemployment because we were not spending money on gas and going out to eat-drinks after work etc.

Also, if you do go on unemployment you can do most of it online.
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Old 08-23-2008, 12:42 AM   #6 (permalink)
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Wait until September 2nd to file for unemployment. It should only take about 2 weeks before you get your first check. Good luck! And don't be afraid to try temp agencies if you have to. That's how my brother found his current job
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Old 08-23-2008, 12:46 AM   #7 (permalink)
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Oh, and if at all possible, have them take the taxes out of your unemployment so you don't have to pay later.

It will be ok.
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Old 08-23-2008, 01:36 AM   #8 (permalink)
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I would definitely recommend you take the Cobra as well if you haven't found something else by the end of September. You can elect it only for yourself and it would probably be a few hundred dollars for one month but probably less than trying to pay for treatment out of pocket with no insurance. You can term it at any time so you don't have to keep paying. Best of luck to you.
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Old 08-23-2008, 01:15 PM   #9 (permalink)
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sry to hear your sry. When my mom was laid off she applied for unemployment and the help continue her insurance for some time..maybe you can try to do the same.......
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Old 08-23-2008, 02:33 PM   #10 (permalink)
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Erika, just wanted to say that I am very sorry. I hope it all works out for you.
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Old 08-23-2008, 07:56 PM   #11 (permalink)
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((Hugs)) I am so sorry this happend to you.
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Old 08-25-2008, 05:19 PM   #12 (permalink)
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I got laid off in May and I am on Cobra. I asked my friend who is an insurance agent and she said that even cobra prices are better (for the coverage you are getting) than if you were to get a individual policy. Check out the website indeed.com...it draws from all job sites. Linked in is also a good resource for networking...

I am still looking, the job market is tough out there. There is always working retail until something comes your way....

Best of luck...
Definately take Cobra!!!!

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Old 08-26-2008, 09:44 PM   #13 (permalink)
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Good Luck and hang in there. When one door closes another is sure to open up. Try and stay positive and realize things could always be worse. : ) Keep Smilin'
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