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The process of getting my unemployment check sucked. I'm here to walk you through it too.

Dafuq Is Unemployment and How Do I Apply for It?

As we’re living through The Plague Times, a number of topics have really jumped the writing queue for your humble Bitches. And thanks to the massive wave of job losses, one of the more urgent subjects is, by necessity, unemployment insurance.

As it happens, I’m currently a bit of an expert on unemployment insurance. I’m not just a spokesperson… I’m a member! After losing my job this spring, I applied for and received unemployment insurance from my state.

The process was tedious, long, stressful, counterintuitive, repetitive, and obnoxious. But it worked. And now I’m here to walk you through it too. Because misery fucking loves company.

But before we begin, a note: The UI I’m receiving isn’t completely replacing my lost income. Like everyone on UI, I’m applying for jobs like it’s literally my job. Yet available jobs are pretty thin on the ground until the country opens up for business again.

My bills are still getting paid, due mostly to the generosity of BGR readers. If you’re so inclined, consider donating to our Patreon. It comes with spiffy rewards and our eternal gratitude, which by itself is worth at least $2.65!

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Income inequality is a real thing. Let's start there.

How to Start at Rock Bottom

Income inequality is a real thing. Let’s start there. We are not all starting on a level playing field. In fact, some are actually starting at rock bottom.

Whatever way you define rock bottom, it’s a shitty place to start when envisioning your financial future. And it’s a frightening reality for many Americans. Giving advice about how my fellow college-educated Millennials can get ahead in their careers, defeat their student loans, and buy homes is all well and good, but it’s utterly useless advice for someone with no education, no family support, and no job prospects to speak of. It’s useless to those drowning in medical debt or responsible for supporting a family on a minimum wage salary. You can’t think about Step 1 when you’re currently at Step -37. Those living at rock bottom need to achieve a basic standard of survival before they can think about “getting ahead.”

One way to start at rock bottom—to survive—is by using a number of government social welfare programs. The purpose of these programs is to help those starting at rock bottom, or who find themselves at rock bottom due to drastic circumstances, to get back on their feet and working toward financial stability.

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