Author: MILLIGAN EDITH CFP AFCLanguage: Anglais
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When employees are separated from their jobs, they are typically separated from their main source of income as well. Amidst the pain, anger, shock, and fear that typically accompany a layoff, there are many financial questions that need to be addressed, such as: How do I adjust my budget to continue living while unemployed? Do I qualify for unemployment compensation? What's the application process? What are the tax implications? Should I take a part-time job right away, devote my full time to finding another job, or use this time to increase my skills? Can I afford to keep my home? Will refinancing help? When should I think about selling it?
1.What Will I Do?
Something Else. Why Was I Doing That Job, Anyway? What to Take with You. What to Leave Behind.
2.How Could They?
It's Not About Fairness. What's Left of the Social Contract? The Outplacement Model. Those Left Behind to Do Your Job.
The Grieving Process. Loss of Identity. Family Communications. Affirming the Challenge.
Unteachable Moments. Human Resource Department Perspective. All That Paperwork. Immediate Decisions.
Who's Covered. The Application Process. Benefits and Taxation. Appeals.
6.Your Transition Budget.
How to Adjust Expenses. Sources of Supplemental Income. Dealing with Transitional Expenses. Communication and Monitoring.
Health Insurance. Life Insurance. Disability Insurance. Workers' Compensation Insurance.
Defined Benefit Plans. Defined Contribution Plans. Should You Retire Early? Should You Spend Any of Your Retirement Funds?
Creditworthiness. Debt Management. Dealing with Existing Indebtedness. Credit Counseling. Avoiding New Indebtedness.
10.Housing and Mortgages.
The Feasibility of Keeping Your Home. Will Refinancing Help? How Far Can You Push the Mortgage Company? Do You Live in the Wrong Place?
11.Savings and Investments.
Update Your Balance Sheet. You May Need to Readjust Your Goals. Investments That Match Your Transition. How Long Will Your Money Last?
Personal Development. Professional Development/Retraining. Projects, Hobbies, and Travel. New Relationships.
13.Finding the Next Job.
How to Use Your Outplacement Services. Other Services You May Need. This Is a Job. Looking Outside the Box.
14.Evaluating Job Offers.
How Much Is Enough? Evaluating Benefits. Comparing New Income to Old. Comparing New Work Conditions to Old.
Creating Your Own 'Job'. What Is the Investment Required? Where to Get the Money. How to Measure Success.
Epilogue: Will You Be Ready If It Happens Again?
Greatest Fears. Job Expectations. What Worked Well with My Last Job. Positive Changes I Can Make for the Future.
Proof of Unfairness. Job History. Processing Anger. Contacts to Keep.
Possible Feelings. Possible Needs. Common Signs of Depression. Family Communications.
Questions for My Human Resources Department. Decisions That Can Wait.
Minimum Earnings or Employment Period Required to Qualify for Unemployment Benefits. State Unemployment Compensation Department Phone Numbers. State Web Sites for Information on Unemployment Insurance. Weekly Benefit Calculation. Earnings Disregarded: The Amount You May Earn Before Your Unemployment. Benefit Is Reduced.
Your Transitional Budget. Sources of Income. Transitional Expenses. Sample Agenda for a Weekly Family Meeting.
State Department of