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Unemployment Benefits

While there are several resources you can turn to for financial assistance, your first move should be to apply for unemployment benefits. Do this as soon as your hours have been cut, or you lose your job since it could take a few weeks to start receiving those benefits.

Some people don’t like filing for unemployment because they feel it’s a handout. If you feel the same way, you shouldn’t, as you pay state and federal unemployment taxes that are taken out of each paycheck. In other words, getting unemployment is a way of paying yourself back in the event that you lose hours or your job.

There are certain cases where unemployment claims are disputed. To challenge such potential claims, be sure to keep records of times, dates, affidavits, etc., regarding your job loss.

Although many places are hiring, don’t hesitate to file for unemployment. It can give you a financial cushion since statistics show that it takes an average of 43 days to find a new job.

You’ll need to file for unemployment through your state. To begin this process, go here.

Food Assistance

It can be tough to put food on the table if you’re unemployed. To get emergency food assistance, look for a local food bank via Feeding America. You can also make a quick call to 211 and ask if they know of any free food resources in your area.

Another way to get food assistance is via SNAP or food stamps. This is more of a long-term solution, but it can give you monthly funds to buy groceries. If you’re having trouble finding work and need food now, you can try to apply for expedited SNAP benefits. Doing so could help you get emergency food stamps much quicker than usual.

Health Insurance

As you look for work, you need to keep healthcare in mind. An unexpected medical emergency could result in massive bills that can make you contemplate bankruptcy. To prevent a lapse in medical benefits, if you currently have insurance, apply for COBRA.

You may find COBRA to be too expensive if you’re out of a job. If so, visit your local hospital and ask about a sliding fee scale. It can give you 100 percent medical treatment and prescriptions according to whatever income you have. And while there, ask if your hospital has a medical assistance program for people out of work or who have little income.

Bill-Paying Assistance

Some charities offer assistance with paying bills for people who are unemployed or struggling. Catholic Charities can help you pay your rent or utility bills while offering assistance with clothing, furniture, food, and counseling.

The Salvation Army can help as well in a similar fashion. Even better, they have a job training program that can strengthen your skills before rejoining the workforce.