1. Careers
You can opt-out at any time. Please refer to our privacy policy for contact information.

What to Do When Unemployment Runs Out

By

What can you do if your unemployment runs out or you're about to run out of unemployment benefits? First of all, check with your State Unemployment Office to make sure that you are receiving all the extended benefits you qualify for. If you're close to being out, take a look at the other resources that are available and take advantage of whatever you can to help you get by until you find a new job.

When Unemployment Runs Out

Ask for Help
Don't be proud - your temporarily reduced circumstances may entitle you to food stamps or other government benefits. Remember you paid for those benefits out of every paycheck you earned. Your state's Social Services department can inform you what assistance you qualify for. If you are a member of a church, ask if any help is available. Community organizations often have resources to help the unemployed with food baskets, donations, and babysitting assistance. If you can get assistance from family or friends, don't hesitate to ask.

Visit the Library
Check with your local library. Many libraries have computers you can use to search for jobs, as well as job search workshops. In addition, if you don't have your own computer you can use the library computer to check email (get a free Gmail, Yahoo, or other account), and apply for jobs (save a copy of your resume and cover letters online using Google Docs).

Loans for Unemployed Workers
You may be able to borrow money, even though you are not employed. Here's information on the types of loans available for unemployed workers, how to qualify for a loan, and options for borrowing money when you are out of work.

Check With Your Local One-Stop Career Center
Check with your local One-Stop Career Center. They often have information on local resources such as community organization that may be able to offer support with utility bills, food costs, etc. One-Stops might also have information on temporary positions, in addition to permanent or long-term job listings and possible assistance with upgrading skills/obtaining training to increase the job seeker's marketability.
Shahrzad Arasteh, Career Consulting Services

Try Temping
Call Kelly, Manpower, and any other temp agency in your area and make an appointment ASAP. Temp work is an excellent way not only to generate revenue quickly and keep job skills sharp. It also can lead to a permanent position.
Jayne Cravens, Consultant and Volunteer Career Counselor

Join a Job Club
Look for a job club in your area and join one that is a good fit for your needs. Job clubs are usually free to join and can be great for creating a supportive environment, mutual support and accountability (you're much more likely to make that networking call if you know you'll be asked how it went next week!), as well as leads fellow job seekers learn about.
Shahrzad Arasteh, Career Consulting Services

Ask For an Informational Interview
One great technique is the informational interview. You call or email someone you want to talk with, and say right up front that you are not going to ask them for a job -- that takes the pressure off. Instead, you're looking to learn about that person's company, industry, job function, or so forth. Ask for just 20 minutes -- it'll go longer if the discussion is good. And if by chance there is a job available for which there is a match, the person you're "interviewing" will connect the dots. At the end - always ask for referrals and always send a thank you note.
Josh Chernin, General Manager, Web Industries

Apply in Person
I suggest going to every business within walking distance of the person's house and asking if they are accepting applications, and filling out such (while well-dressed, well-groomed, and being well-spoken) -- landing even a low-paying job is better than nothing, and landing such within walking distance means no car (and no gas) is necessary to get to work.
Jayne Cravens, Consultant and Volunteer Career Counselor

Call United Way
Call your local United Way and YMCA and ask if they know of organizations that provide help with finding a job, improving one's job skills, downsizing to a smaller home or sharing one's home with someone else, personal budgeting, etc.
Jayne Cravens, Consultant and Volunteer Career Counselor

Call 211
Many communities have the three digit phone number 211 which is a referral to various agencies from charities, social services, non-profit credit counseling, and others. It is not the time to be proud. It is better to have some work than no work. Babysitting, mowing lawns, and freelance can bring in a small amount of cash as can selling household items. Having any job may make it easier to get a job than having no job.
Heidi Titchenal, Consultant

Sell Your Stuff
A suggestion I received via Twitter said to sell everything you absolutely don't need. Have a yard sale or list on EBay to generate some extra income.

©2014 About.com. All rights reserved.