Breaking into the labor market

TOOLS FOR TThRBerALeaabkNionrSgMIInatTrokIetO N
A Guide for Dislocated Workers
GEORGIA DEPARTMENT OF LABOR
MICHAEL L. THURMOND, COMMISSIONER

NOTES

TABLE OF CONTENTS
Am I Ever Going to Find Another Job? . . . . . . . . . . . . . . . . 1 Georgia's Workforce System
Can You Teach An Old Dog New Tricks? . . . . . . . . . . . . . . . 3 Career Exploration & Education
I Would Like To Stay Home and Relax . . . . . . . . . . . . . . . . . 4 Unemployment Insurance
My Job Just Got Exported . . . . . . . . . . . . . . . . . . . . . . . . . 5 Trade Act
What If Someone In My Family Gets Sick? . . . . . . . . . . . . . 6 Health Options
My Golden Years Feel More Like Bronze . . . . . . . . . . . . . . 9 Retirement Options
Just Give Me A Fair Shot . . . . . . . . . . . . . . . . . . . . . . . . . 10 Financial and Disability Resources
You Haven't Answered MY Question Yet . . . . . . . . . . . . . . 11 Frequently Asked Questions
Quick Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

ICONS USED IN THIS BOOKLET
Use these icons to locate information quickly:
This icon will point out areas that will slow you down if you are not properly prepared.
This icon will be pointing out insider information so you can easily accomplish your goals.
This icon will point out first-rate services that are highly suggested by workforce experts.

WHERE DO I GO FOR...

AGENCY/PURPOSE

INTERNET ADDRESS

Health Insurance Portability and Accountability Act www.dol.gov/ebsa

Health Insurance

www.ehealthcare.com www.ehealthinsurance.com
www.assuranthealth.com www.nahu.org www.naic.org

Internet Job Sites

www.dol.state.ga.us www.nationjob.com www.helpwanted.com www.usajobs.opm.gov
www.ajb.org

Medicaid

www.communityhealth.state.ga.us

Social Security

www.ssa.gov

Trade Act

www.doleta.gov/tradeact

Find Resources

www.careeronestop.org

Veterans Benefits

www.va.gov http://sdvs.georgia.gov

Veterans Jobs

vetjobs.com

17

WHERE DO I GO FOR...

AGENCY

TELEPHONE NUMBER

Georgia Department of Labor www.dol.state.ga.us

(404) 232-3540

Employment Assistance www.dol.state.ga.us

(404) 232-3515

Unemployment Insurance www.dol.state.ga.us

(404) 232-3990

Labor Market Information www.dol.state.ga.us

(404) 232-3875

Vocational Rehabilitation www.vocrehab.org

(866) 489-0001 (TTY) (866) 373-7778
(404) 486-6331 (TTY) (404) 486-6333

Employee Retirement Income Security www.dol.gov/ebsa

(866) 275-7922

Division of Family & Children Services www.dfcs.dhr.georgia.gov

(404) 656-2000

PeachCare For Kids www.peachcare.org

(877) 427-3224

16

AM I EVER GOING TO FIND ANOTHER JOB?
...is not something you will be able to say after you read this book.
If you have just lost your job, or have been told you are about to lose your job, there is help for you to transition between companies. This guide will give you the information you need to get started.
GEORGIA'S WORKFORCE SYSTEM Georgia's workforce system provides employment and training services throughout the state. We help you access the tools to manage your career through information and services. At the same time, we help companies find skilled workers. Employment, training, education, and support services are provided at One-Stop centers in many communities.
ONE-STOP CAREER CENTERS The local One-Stop career center is your first stop to a new career. Locations and phone numbers of centers throughout the state can be found at www.dol.state.ga.us or on the insert at the end of this guide.
Office hours are generally from 8:00 a.m. to 4:30 p.m., Monday - Friday. Some offices have extended hours. Call career centers for specific hours.
Services you can expect at a One-Stop career center include:
INFORMATION ABOUT JOB OPPORTUNITIES Find job listings for your community, the state and across the country. Listings are available through the Internet. Classified ad sections of daily and weekly newspapers are available for review.
APPLY FOR JOBS Use the One-Stop career centers to assist you in preparing rsums and cover letters to apply for jobs. You can fax job applications and post your rsum on-line.
1

LEARN ABOUT NEW CAREERS Find out where the jobs of the future will be. Learn how you can use your skills in a new job. Explore how upgrading your skills can lead to a better paying high demand job. Information is available through the Internet, books, videos, and knowledgeable staff at your local OneStop career center.
PLANYOUR JOB SEARCH Making a plan increases your chances of getting what you want. Use One-Stop career center resources to identify employers who hire people with your skill set. Find out how to network and how to pursue job leads.
GET DIRECTED TO COMMUNITY RESOURCES One-Stop centers are staffed by people from a variety of agencies committed to helping you find a job. Access a list of programs and services to help job seekers at a One-Stop career center near you.
GET PROFESSIONAL ASSISTANCE Planning your job search, identifying job leads and contacting employers can be difficult. Don't be afraid to ask for professional help. Staff can objectively review your rsum or job application and make suggestions for improvement. They can also help explore other occupations you might enjoy and assist you in contacting employers.
EXPLORE RETRAINING OPTIONS If you need retraining, financial assistance may be available to pay for tuition, books and supplies. Assistance with child care or transportation may also be available. Hundreds of educational and training options are available throughout Georgia. Your skills, abilities, interests and needs are considered in helping you put together a financial aid package.
MILITARY VETERANS Prior military service will allow you to receive personalized service from qualified DOL veterans staff, whose sole area of responsibility is assisting military veterans with all their job search needs. Just ask for the local Disabled Veterans Outreach Program Specialist (DVOP) or Local Veterans Employment Representative (LVER).
2

Question: Do I have to go to the Georgia Department of Labor One-Stop career center each week?

Answer:

No. Once you have filed your initial claim at a GDOL One-Stop career center you will have three options to request your weekly benefit check.
l An automated system allows you to certify each week by telephone.
l www.dol.state.ga.us allows you to certify online. l Or, go in to your local One-Stop career center.

Question: If I am offered a job, do I have to accept it?

Answer:

You are expected to apply for and accept suitable employment (comparable to your previous job) as determined by your prior experience, training, earnings, and length of unemployment.

Question: Are there web sites that will help me find a job?

Answer: Yes. You can find helpful sites at: www.dol.state.ga.us/js/find_a_job.htm.

15

Answer:

No, unless certain specific conditions exist, an employer is not required to make any notification of a layoff or closure. The Worker Adjustment and Retraining Notification (WARN) Act is a federal law that requires certain (not all) employers to give full and part-time workers 60 days written notice before a plant closing or mass layoff occurs. The purpose of the WARN Act is to provide workers time to seek new employment and to plan for the transition phase after the layoff. More information is available at www.dol.state.ga.us.

Question: What are my health benefit options?

Answer:

You may be entitled to certain health benefit protections if you lose your job. If your company provided a group health insurance plan, you may be able to continue health benefits for a period of time. More information about your options is provided on Page 6.

Question: Where can I find information about careers and training?

Answer:

Your local One-Stop career center has many books about careers and training options. Additional information is available at: http://explorer.dol.state.ga.us or www.gcic.peachnet.edu.

Question: How do I apply for Unemployment Insurance (UI)?

Answer:

You can apply for UI benefits at your local Georgia Department of Labor office and other One-Stop centers. You will need to bring your social security card or verification of your social security number and a picture identification. If your employer gave you a separation notice, bring that, too.

14

CAN YOU TEACH AN OLD DOG NEW TRICKS?
...is what you might ask if you didn't know that half of all persons age 35-54 participate in adult education.
Life long learning is no longer an option but a necessity. To be competitive in today's labor market, workers must continue to improve their skills. According to the Bureau of Labor Statistics, the average American holds over nine jobs in his or her life and those best prepared are the most successful at landing the job they want.
Eight of the 10 fastest growing occupations require education after high school. Moreover, graduates age 25 and over earn nearly twice as much as workers who stopped with a high school diploma.
The Workforce Investment Act (WIA) pulls together resources to help you continue your education. WIA helps you organize your financial options for school and may even provide more options for you.
WIA can help with:
Grants and scholarships On-the-job training Occupational skills training Support seminars Post-secondary certificates and degrees
WIA career advisors know first hand the value of additional education when seeking employment. These experts share their knowledge with you and help plan a directed career transition.
See insert in the back of this booklet to locate the WIA services.
LEARN THE TRICKS OF THE TRADE Master the job interview or how to write a rsum, communicate your strengths to people in your network, or learn to negotiate your salary. Explore books, videotapes and workshops offered at One-Stop career centers.
3

I WOULD LIKE TO STAY HOME AND RELAX
...is what you can say if you don't want Unemployment Insurance.
Unemployment insurance is paid by the Georgia Department of Labor when you become unemployed through no fault of your own. You must be a U.S. citizen or provide proof of alien work authorization status to apply. The amount of your benefit will be based on your individual work history and wages earned. Unemployment insurance is subject to state and federal taxes.
If you qualify, you must meet certain requirements in order to continue receiving a weekly check. You must: be physically able to perform some type of work and conduct an active search for full-time work each week; be actively registered for employment services with your local career center and keep a record of your job search contacts; have no unreasonable restrictions that would prevent you from working or accepting a full-time position; and report all wages earned while claiming unemployment compensation.
You must certify that you met the above requirements at the end of each week that you are unemployed, either by telephone or computer, to receive your check. To avoid mail problems, and to receive your check faster, we suggest that you use direct deposit.You will need to bring your checking or savings account number and routing number of your bank when you file, to use direct deposit.
If you are enrolled in approved training, you may be eligible to receive unemployment compensation without looking for work. You must have satisfactory attendance and academic progress to stay eligible and exempt from the work search requirement.
Go to any Georgia Department of Labor One-Stop career center to apply for unemployment insurance.You should have a social security card or verification of your social security number and picture identification.
4

Question: Where can I get information about potential employers in my area?

Answer:

Your local One-Stop career center has job listings for companies. More information about local companies is available from books and other resources at One-Stop career centers. You may also access company information via the Georgia Department of Labor's website, http://explorer.dol.state.ga.us.

Question: Where can I get information on wages for different occupations?

Answer:

The Georgia Department of Labor's web site has a wide range of labor market information. Go to www.dol.state.ga.us. If you do not have a computer, you may request this information or access the Internet at your local One-Stop career center.

Question: What if I was laid off as a result of foreign competition or because my job moved to another country?

Answer:

Special assistance may be available to help individuals who become unemployed as a result of international trade. More information about the Trade Act is provided on Page 5 and at www.doleta.gov/tradeact.

Question: Can I go ahead and quit my job since I know I will be laid off soon?

Answer:

If you quit your job voluntarily without a good work related reason while your employer still has work available, you could be disqualified from receiving unemployment insurance benefits.

Question: Was my employer required to notify me before closing? Is my employer required to pay me for 60 days after laying me off?

13

Question: I have been laid off.What do I do now?

Answer: Consider the following:

Develop a job search plan of action by setting weekly goals for yourself. Stay focused and use your free time to explore job interests, research companies, network, and apply for available jobs.

File a claim for unemployment insurance benefits at the One-Stop career center nearest you. (Information on filing a claim appears on Page 4 of this booklet.)

Question: I don't know what kind of job I want next. How can I find out what I will like?

Answer:

Visit your local One-Stop career center. Here you will find information on various jobs, as well as staff who can assist you in exploring career opportunities based on your interests and abilities.

Question: I live in another state. Can I get workforce services there?

Answer:

Yes. Call America's Workforce Network's toll-free number at 1-877-US2-JOBS (1-877-872-5627), or go to www.servicelocator.org (America's Service Locator).

Question: There are few employers hiring people with my skills. How can I prepare for a new job?

Answer:

Most experienced workers have more job skills than they realize. The staff at the nearest One-Stop career center can help you identify all your job skills and guide you in preparing to obtain or train for a new job.

12

MY JOB JUST GOT EXPORTED

...but today's workforce has more options than ever.

Employers and workers whose employment is affected by increased imports may apply for Trade Adjustment Assistance (TAA) by completing a petition.

Trade Act petitions can be filed by an employer, a group of three or more workers, their union or another authorized representative. In addition, One-Stop operators and partners may file a petition. A petition form may be obtained from the One-Stop career center or printed off the Internet at: www.doleta.gov/tradeact.

Fax your TAA petitions to the U.S. Department of Labor at (202) 6933585 and to the Georgia Department of Labor at (404) 232-3508; or, you may mail them to:

U.S. Department of Labor, Division of Trade Adjustment Assistance, Room C-5311 200 Constitution Ave., NW Washington, DC 20210

and

Georgia Department of Labor Suite 440, 148 AndrewYoung International Blvd., NE Atlanta, GA 30303.

The Trade Act offers a number of services designed to help you return to work as quickly as possible. In addition to the reemployment services available to all of our customers, if you are covered under a Trade Act certification you may be eligible for the following services:

Job Search Allowances Relocation Allowance Training Benefits

Trade Readjustment Allowance Health Coverage Tax Credit Alternate Trade Adjustment Assist.

5

WHAT IF SOMEONE IN MY FAMILY GETS SICK?
Health insurance is out there, you just have to know where to look.
HEALTH CARE FOR CHILDREN PeachCare for Kids is a free or low-cost health insurance program for children of working families whose income is too high for Medicaid.
Families who cannot afford private health insurance or whose employer does not offer family health coverage may be eligible. For more information about PeachCare for Kids, call (877) 427-3224 from 7:30 a.m. to 7:30 p.m., Monday through Friday, or go to www.peachcare.org. Applications are available at your county health department and Department of Family and Children Services (DFCS) offices.
AFFORDABLE HEALTH CARE Check out the following web sites for other health insurance options:
www.ehealthcare.com and www.ehealthinsurance.com
Provides information/quotes on affordable packages for families and single persons.
www.assuranthealth.com
Provides information and quotes on short-term policies, which cost less because they exclude coverage for existing conditions and reimburse a small percentage of your costs.
www.nahu.org
Enables you to find health insurance agents in your area.
www.naic.org
Enables you to check on how many customer complaints have been lodged against an insurance company.
6

YOU HAVEN'T ANSWERED MY QUESTION YET!
...is something you might say before reading this section!
Question: What should I do before I separate from employment?
Answer: Consider the following:
Update your rsum and begin networking with relatives, friends, neighbors, former co-workers, and members of any club or organization of which you are a member. Let people know that you will be available for work soon and what type of work you are interested in. Ask them to inform you of job leads or connections they may have to companies that support your job interests. Speak to your supervisor and get a written reference if possible.
Meet with your company's benefits administrator and health plan administrator to find out about your retirement pension and health insurance. Pages 16 and 17 of this booklet have resources you can use.
Set up an e-mail account on the Internet.This is a critical tool for networking, sending rsums and corresponding with potential employers. Free email accounts are available from many websites, including www.mail.com.
Participate in job fairs held in your community.
Review your financial obligations and create a budget. Consider using the National Foundation for Credit Counseling for free financial counseling services. In addition to general counseling, they offer debt management and lender negotiations for free or a minimal fee. Find information at www.nfcc.org.
11

JUST GIVE ME A FAIR SHOT!
...is exactly what you should expect.
VOCATIONAL REHABILITATION The Georgia Depar tment of Labor's Vocational Rehabilitation services assist people with disabilities in finding employment. Contact the nearest Vocational Rehabilitation office or One-Stop career center for more information.
Locate the closest office by calling the following numbers: Toll-Free (866) 489-0001;TTY (866) 373-7778 Atlanta Metro: (404) 486-6331;TTY (404) 486-6333 Find information online at www.vocrehabga.org.
FAIR DEBT COLLECTION PRACTICES ACT The law requires debt collectors to treat you fairly by prohibiting certain methods of debt collection. Though the federal law does not forgive any legitimate debt you might owe, you do have rights under the Act.
For more information regarding the Fair Debt Collection Practices Act, call the Federal Trade Commission in Atlanta at (404) 656-1399 or (877) 382-4357, or the national headquarters in Washington, DC at (202) 326-2222. The Fair Debt Collection Practices Act can be viewed at: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm.
FAIR LABOR STANDARDS ACT The Fair Labor Standards Act (FLSA) requires employers to pay covered employees who are not otherwise exempt at least the federal minimum wage and overtime pay for all hours worked over 40 in a work week. In general, compensable hours worked include all time an employee is on duty or at a prescribed place of work and any time that an employee is permitted to work. Call (866) 4US-WAGE for more information.
10

MEDICAID This is a health insurance program that pays for health care services for low-income families. The Georgia Department of Community Health administers this program through the Department of Family and Children Services (DFCS). Call (866) 211-0950 or (770) 5703373 for more information or visit www.ghp.georgia.gov.
HEALTH CARE PROTECTIONS
COBRA Consolidated Omnibus Budget Reconciliation Act (COBRA) may allow you to continue your company health insurance at your own expense for up to 18 months after being laid off. COBRA applies to laid off workers and their families. This coverage is temporary, and you must pay the entire cost. Your employer must have had 20 or more employees, you must have been a participant in your employer's group health plan, and the employer must continue to maintain a health benefit plan. In addition, you personally must take steps to apply for the COBRA program.
COBRA coverage is not available if there is no longer a health plan. Employers or health plan administrators will provide an initial general notice if you are entitled to COBRA benefits. If your company closed or went bankrupt there will be no COBRA coverage available except for union members covered by a collective bargaining agreement.
Spouses and dependent children covered under your health plan have an independent right to elect COBRA coverage upon your termination or reduction in hours. If, for instance, you have a family member with an illness at the time you are laid off, that person alone can elect coverage.
HIPPA If you meet certain requirements, the Health Insurance Portability and Accountability Act (HIPPA) gives you the right to buy individual health coverage with no pre-existing conditions exclusions, without having to give evidence of good health.
7

If you were eligible for COBRA coverage, you must have elected and continued that coverage for the entire period that is was available to you. For more information, please go to the Employee Benefits Security Agency's web site at: www.dol.gov/ebsa/consumer_info_health.html. For questions concerning medical insurance coverage, you can obtain more information by calling (866) 275-7922 for publications or individual assistance. Information can be obtained from the Internet at www.dol.gove/ebsa. THE GEORGIA COMMISSIONER OF INSURANCE This state office regulates the insurance industry in Georgia. Contact the office of the Insurance Commissioner online at www.gainsurance.org or call (404) 656-2056 or (800) 656-2298.
8

MY GOLDEN YEARS FEEL MORE LIKE BRONZE!
...is what you might say if you didn't know about the following options.
ERISA Employee Retirement Income Security Act (ERISA) provides protection to laid off workers, allowing them to roll over their vested pension benefits into an Individual Retirement Account (IRA). Contact your pension plan administrator for information.
Request a copy of your pension plan's summary description and ask for an individual benefit statement. If you were an active participant in your employer's pension plan, you may be eligible to roll over your vested pension benefits to an IRA or to a new employer's retirement plan.
If you desire further information, please call (404) 562-2156 or (866) 275-7922.
SOCIAL SECURITY ADMINISTRATION If you have worked long enough under the Social Security system and are at least 62 years old, you may qualify for retirement benefits. Contact the Social Security Administration at (800) 722-1213 or visit the website at www.ssa.gov.
MEDICARE This is a health insurance plan for people who are age 65 or older. People who are disabled or have permanent kidney failure can get Medicare at any age. You have already paid for Medicare through part of your Social Security taxes while you were working. Medicare has three parts: hospital insurance (A), medical insurance (B), and prescription drugs (D). Hospital insurance covers inpatient hospital care and certain follow-up care. Medical insurance pays for physicians' services and some other services not covered by hospital insurance. Prescription drug coverage offers assistance paying for medicine. Call (800) 633-4227 for more information.
9

MEDICAID This is a health insurance program that pays for health care services for low-income families. The Georgia Department of Community Health administers this program through the Department of Family and Children Services (DFCS). Call (866) 211-0950 or (770) 5703373 for more information or visit www.ghp.georgia.gov.
HEALTH CARE PROTECTIONS
COBRA Consolidated Omnibus Budget Reconciliation Act (COBRA) may allow you to continue your company health insurance at your own expense for up to 18 months after being laid off. COBRA applies to laid off workers and their families. This coverage is temporary, and you must pay the entire cost. Your employer must have had 20 or more employees, you must have been a participant in your employer's group health plan, and the employer must continue to maintain a health benefit plan. In addition, you personally must take steps to apply for the COBRA program.
COBRA coverage is not available if there is no longer a health plan. Employers or health plan administrators will provide an initial general notice if you are entitled to COBRA benefits. If your company closed or went bankrupt there will be no COBRA coverage available except for union members covered by a collective bargaining agreement.
Spouses and dependent children covered under your health plan have an independent right to elect COBRA coverage upon your termination or reduction in hours. If, for instance, you have a family member with an illness at the time you are laid off, that person alone can elect coverage.
HIPPA If you meet certain requirements, the Health Insurance Portability and Accountability Act (HIPPA) gives you the right to buy individual health coverage with no pre-existing conditions exclusions, without having to give evidence of good health.
7

If you were eligible for COBRA coverage, you must have elected and continued that coverage for the entire period that is was available to you. For more information, please go to the Employee Benefits Security Agency's web site at: www.dol.gov/ebsa/consumer_info_health.html. For questions concerning medical insurance coverage, you can obtain more information by calling (866) 275-7922 for publications or individual assistance. Information can be obtained from the Internet at www.dol.gove/ebsa. THE GEORGIA COMMISSIONER OF INSURANCE This state office regulates the insurance industry in Georgia. Contact the office of the Insurance Commissioner online at www.gainsurance.org or call (404) 656-2056 or (800) 656-2298.
8

MY GOLDEN YEARS FEEL MORE LIKE BRONZE!
...is what you might say if you didn't know about the following options.
ERISA Employee Retirement Income Security Act (ERISA) provides protection to laid off workers, allowing them to roll over their vested pension benefits into an Individual Retirement Account (IRA). Contact your pension plan administrator for information.
Request a copy of your pension plan's summary description and ask for an individual benefit statement. If you were an active participant in your employer's pension plan, you may be eligible to roll over your vested pension benefits to an IRA or to a new employer's retirement plan.
If you desire further information, please call (404) 562-2156 or (866) 275-7922.
SOCIAL SECURITY ADMINISTRATION If you have worked long enough under the Social Security system and are at least 62 years old, you may qualify for retirement benefits. Contact the Social Security Administration at (800) 722-1213 or visit the website at www.ssa.gov.
MEDICARE This is a health insurance plan for people who are age 65 or older. People who are disabled or have permanent kidney failure can get Medicare at any age. You have already paid for Medicare through part of your Social Security taxes while you were working. Medicare has three parts: hospital insurance (A), medical insurance (B), and prescription drugs (D). Hospital insurance covers inpatient hospital care and certain follow-up care. Medical insurance pays for physicians' services and some other services not covered by hospital insurance. Prescription drug coverage offers assistance paying for medicine. Call (800) 633-4227 for more information.
9

JUST GIVE ME A FAIR SHOT!
...is exactly what you should expect.
VOCATIONAL REHABILITATION The Georgia Depar tment of Labor's Vocational Rehabilitation services assist people with disabilities in finding employment. Contact the nearest Vocational Rehabilitation office or One-Stop career center for more information.
Locate the closest office by calling the following numbers: Toll-Free (866) 489-0001;TTY (866) 373-7778 Atlanta Metro: (404) 486-6331;TTY (404) 486-6333 Find information online at www.vocrehabga.org.
FAIR DEBT COLLECTION PRACTICES ACT The law requires debt collectors to treat you fairly by prohibiting certain methods of debt collection. Though the federal law does not forgive any legitimate debt you might owe, you do have rights under the Act.
For more information regarding the Fair Debt Collection Practices Act, call the Federal Trade Commission in Atlanta at (404) 656-1399 or (877) 382-4357, or the national headquarters in Washington, DC at (202) 326-2222. The Fair Debt Collection Practices Act can be viewed at: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm.
FAIR LABOR STANDARDS ACT The Fair Labor Standards Act (FLSA) requires employers to pay covered employees who are not otherwise exempt at least the federal minimum wage and overtime pay for all hours worked over 40 in a work week. In general, compensable hours worked include all time an employee is on duty or at a prescribed place of work and any time that an employee is permitted to work. Call (866) 4US-WAGE for more information.
10

MY GOLDEN YEARS FEEL MORE LIKE BRONZE!
...is what you might say if you didn't know about the following options.
ERISA Employee Retirement Income Security Act (ERISA) provides protection to laid off workers, allowing them to roll over their vested pension benefits into an Individual Retirement Account (IRA). Contact your pension plan administrator for information.
Request a copy of your pension plan's summary description and ask for an individual benefit statement. If you were an active participant in your employer's pension plan, you may be eligible to roll over your vested pension benefits to an IRA or to a new employer's retirement plan.
If you desire further information, please call (404) 562-2156 or (866) 275-7922.
SOCIAL SECURITY ADMINISTRATION If you have worked long enough under the Social Security system and are at least 62 years old, you may qualify for retirement benefits. Contact the Social Security Administration at (800) 722-1213 or visit the website at www.ssa.gov.
MEDICARE This is a health insurance plan for people who are age 65 or older. People who are disabled or have permanent kidney failure can get Medicare at any age. You have already paid for Medicare through part of your Social Security taxes while you were working. Medicare has three parts: hospital insurance (A), medical insurance (B), and prescription drugs (D). Hospital insurance covers inpatient hospital care and certain follow-up care. Medical insurance pays for physicians' services and some other services not covered by hospital insurance. Prescription drug coverage offers assistance paying for medicine. Call (800) 633-4227 for more information.
9

JUST GIVE ME A FAIR SHOT!
...is exactly what you should expect.
VOCATIONAL REHABILITATION The Georgia Depar tment of Labor's Vocational Rehabilitation services assist people with disabilities in finding employment. Contact the nearest Vocational Rehabilitation office or One-Stop career center for more information.
Locate the closest office by calling the following numbers: Toll-Free (866) 489-0001;TTY (866) 373-7778 Atlanta Metro: (404) 486-6331;TTY (404) 486-6333 Find information online at www.vocrehabga.org.
FAIR DEBT COLLECTION PRACTICES ACT The law requires debt collectors to treat you fairly by prohibiting certain methods of debt collection. Though the federal law does not forgive any legitimate debt you might owe, you do have rights under the Act.
For more information regarding the Fair Debt Collection Practices Act, call the Federal Trade Commission in Atlanta at (404) 656-1399 or (877) 382-4357, or the national headquarters in Washington, DC at (202) 326-2222. The Fair Debt Collection Practices Act can be viewed at: www.ftc.gov/os/statutes/fdcpa/fdcpact.htm.
FAIR LABOR STANDARDS ACT The Fair Labor Standards Act (FLSA) requires employers to pay covered employees who are not otherwise exempt at least the federal minimum wage and overtime pay for all hours worked over 40 in a work week. In general, compensable hours worked include all time an employee is on duty or at a prescribed place of work and any time that an employee is permitted to work. Call (866) 4US-WAGE for more information.
10

MEDICAID This is a health insurance program that pays for health care services for low-income families. The Georgia Department of Community Health administers this program through the Department of Family and Children Services (DFCS). Call (866) 211-0950 or (770) 5703373 for more information or visit www.ghp.georgia.gov.
HEALTH CARE PROTECTIONS
COBRA Consolidated Omnibus Budget Reconciliation Act (COBRA) may allow you to continue your company health insurance at your own expense for up to 18 months after being laid off. COBRA applies to laid off workers and their families. This coverage is temporary, and you must pay the entire cost. Your employer must have had 20 or more employees, you must have been a participant in your employer's group health plan, and the employer must continue to maintain a health benefit plan. In addition, you personally must take steps to apply for the COBRA program.
COBRA coverage is not available if there is no longer a health plan. Employers or health plan administrators will provide an initial general notice if you are entitled to COBRA benefits. If your company closed or went bankrupt there will be no COBRA coverage available except for union members covered by a collective bargaining agreement.
Spouses and dependent children covered under your health plan have an independent right to elect COBRA coverage upon your termination or reduction in hours. If, for instance, you have a family member with an illness at the time you are laid off, that person alone can elect coverage.
HIPPA If you meet certain requirements, the Health Insurance Portability and Accountability Act (HIPPA) gives you the right to buy individual health coverage with no pre-existing conditions exclusions, without having to give evidence of good health.
7

If you were eligible for COBRA coverage, you must have elected and continued that coverage for the entire period that is was available to you. For more information, please go to the Employee Benefits Security Agency's web site at: www.dol.gov/ebsa/consumer_info_health.html. For questions concerning medical insurance coverage, you can obtain more information by calling (866) 275-7922 for publications or individual assistance. Information can be obtained from the Internet at www.dol.gove/ebsa. THE GEORGIA COMMISSIONER OF INSURANCE This state office regulates the insurance industry in Georgia. Contact the office of the Insurance Commissioner online at www.gainsurance.org or call (404) 656-2056 or (800) 656-2298.
8

NOTES

TABLE OF CONTENTS
Am I Ever Going to Find Another Job? . . . . . . . . . . . . . . . . 1 Georgia's Workforce System
Can You Teach An Old Dog New Tricks? . . . . . . . . . . . . . . . 3 Career Exploration & Education
I Would Like To Stay Home and Relax . . . . . . . . . . . . . . . . . 4 Unemployment Insurance
My Job Just Got Exported . . . . . . . . . . . . . . . . . . . . . . . . . 5 Trade Act
What If Someone In My Family Gets Sick? . . . . . . . . . . . . . 6 Health Options
My Golden Years Feel More Like Bronze . . . . . . . . . . . . . . 9 Retirement Options
Just Give Me A Fair Shot . . . . . . . . . . . . . . . . . . . . . . . . . 10 Financial and Disability Resources
You Haven't Answered MY Question Yet . . . . . . . . . . . . . . 11 Frequently Asked Questions
Quick Reference . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Answer:

No, unless certain specific conditions exist, an employer is not required to make any notification of a layoff or closure. The Worker Adjustment and Retraining Notification (WARN) Act is a federal law that requires certain (not all) employers to give full and part-time workers 60 days written notice before a plant closing or mass layoff occurs. The purpose of the WARN Act is to provide workers time to seek new employment and to plan for the transition phase after the layoff. More information is available at www.dol.state.ga.us.

Question: What are my health benefit options?

Answer:

You may be entitled to certain health benefit protections if you lose your job. If your company provided a group health insurance plan, you may be able to continue health benefits for a period of time. More information about your options is provided on Page 6.

Question: Where can I find information about careers and training?

Answer:

Your local One-Stop career center has many books about careers and training options. Additional information is available at: http://explorer.dol.state.ga.us or www.gcic.peachnet.edu.

Question: How do I apply for Unemployment Insurance (UI)?

Answer:

You can apply for UI benefits at your local Georgia Department of Labor office and other One-Stop centers. You will need to bring your social security card or verification of your social security number and a picture identification. If your employer gave you a separation notice, bring that, too.

14

CAN YOU TEACH AN OLD DOG NEW TRICKS?
...is what you might ask if you didn't know that half of all persons age 35-54 participate in adult education.
Life long learning is no longer an option but a necessity. To be competitive in today's labor market, workers must continue to improve their skills. According to the Bureau of Labor Statistics, the average American holds over nine jobs in his or her life and those best prepared are the most successful at landing the job they want.
Eight of the 10 fastest growing occupations require education after high school. Moreover, graduates age 25 and over earn nearly twice as much as workers who stopped with a high school diploma.
The Workforce Investment Act (WIA) pulls together resources to help you continue your education. WIA helps you organize your financial options for school and may even provide more options for you.
WIA can help with:
Grants and scholarships On-the-job training Occupational skills training Support seminars Post-secondary certificates and degrees
WIA career advisors know first hand the value of additional education when seeking employment. These experts share their knowledge with you and help plan a directed career transition.
See insert in the back of this booklet to locate the WIA services.
LEARN THE TRICKS OF THE TRADE Master the job interview or how to write a rsum, communicate your strengths to people in your network, or learn to negotiate your salary. Explore books, videotapes and workshops offered at One-Stop career centers.
3

WHERE DO I GO FOR...

AGENCY

TELEPHONE NUMBER

Georgia Department of Labor www.dol.state.ga.us

(404) 232-3540

Employment Assistance www.dol.state.ga.us

(404) 232-3515

Unemployment Insurance www.dol.state.ga.us

(404) 232-3990

Labor Market Information www.dol.state.ga.us

(404) 232-3875

Vocational Rehabilitation www.vocrehab.org

(866) 489-0001 (TTY) (866) 373-7778
(404) 486-6331 (TTY) (404) 486-6333

Employee Retirement Income Security www.dol.gov/ebsa

(866) 275-7922

Division of Family & Children Services www.dfcs.dhr.georgia.gov

(404) 656-2000

PeachCare For Kids www.peachcare.org

(877) 427-3224

16

AM I EVER GOING TO FIND ANOTHER JOB?
...is not something you will be able to say after you read this book.
If you have just lost your job, or have been told you are about to lose your job, there is help for you to transition between companies. This guide will give you the information you need to get started.
GEORGIA'S WORKFORCE SYSTEM Georgia's workforce system provides employment and training services throughout the state. We help you access the tools to manage your career through information and services. At the same time, we help companies find skilled workers. Employment, training, education, and support services are provided at One-Stop centers in many communities.
ONE-STOP CAREER CENTERS The local One-Stop career center is your first stop to a new career. Locations and phone numbers of centers throughout the state can be found at www.dol.state.ga.us or on the insert at the end of this guide.
Office hours are generally from 8:00 a.m. to 4:30 p.m., Monday - Friday. Some offices have extended hours. Call career centers for specific hours.
Services you can expect at a One-Stop career center include:
INFORMATION ABOUT JOB OPPORTUNITIES Find job listings for your community, the state and across the country. Listings are available through the Internet. Classified ad sections of daily and weekly newspapers are available for review.
APPLY FOR JOBS Use the One-Stop career centers to assist you in preparing rsums and cover letters to apply for jobs. You can fax job applications and post your rsum on-line.
1

Question: I have been laid off.What do I do now?

Answer: Consider the following:

Develop a job search plan of action by setting weekly goals for yourself. Stay focused and use your free time to explore job interests, research companies, network, and apply for available jobs.

File a claim for unemployment insurance benefits at the One-Stop career center nearest you. (Information on filing a claim appears on Page 4 of this booklet.)

Question: I don't know what kind of job I want next. How can I find out what I will like?

Answer:

Visit your local One-Stop career center. Here you will find information on various jobs, as well as staff who can assist you in exploring career opportunities based on your interests and abilities.

Question: I live in another state. Can I get workforce services there?

Answer:

Yes. Call America's Workforce Network's toll-free number at 1-877-US2-JOBS (1-877-872-5627), or go to www.servicelocator.org (America's Service Locator).

Question: There are few employers hiring people with my skills. How can I prepare for a new job?

Answer:

Most experienced workers have more job skills than they realize. The staff at the nearest One-Stop career center can help you identify all your job skills and guide you in preparing to obtain or train for a new job.

12

MY JOB JUST GOT EXPORTED

...but today's workforce has more options than ever.

Employers and workers whose employment is affected by increased imports may apply for Trade Adjustment Assistance (TAA) by completing a petition.

Trade Act petitions can be filed by an employer, a group of three or more workers, their union or another authorized representative. In addition, One-Stop operators and partners may file a petition. A petition form may be obtained from the One-Stop career center or printed off the Internet at: www.doleta.gov/tradeact.

Fax your TAA petitions to the U.S. Department of Labor at (202) 6933585 and to the Georgia Department of Labor at (404) 232-3508; or, you may mail them to:

U.S. Department of Labor, Division of Trade Adjustment Assistance, Room C-5311 200 Constitution Ave., NW Washington, DC 20210

and

Georgia Department of Labor Suite 440, 148 AndrewYoung International Blvd., NE Atlanta, GA 30303.

The Trade Act offers a number of services designed to help you return to work as quickly as possible. In addition to the reemployment services available to all of our customers, if you are covered under a Trade Act certification you may be eligible for the following services:

Job Search Allowances Relocation Allowance Training Benefits

Trade Readjustment Allowance Health Coverage Tax Credit Alternate Trade Adjustment Assist.

5

LEARN ABOUT NEW CAREERS Find out where the jobs of the future will be. Learn how you can use your skills in a new job. Explore how upgrading your skills can lead to a better paying high demand job. Information is available through the Internet, books, videos, and knowledgeable staff at your local OneStop career center.
PLANYOUR JOB SEARCH Making a plan increases your chances of getting what you want. Use One-Stop career center resources to identify employers who hire people with your skill set. Find out how to network and how to pursue job leads.
GET DIRECTED TO COMMUNITY RESOURCES One-Stop centers are staffed by people from a variety of agencies committed to helping you find a job. Access a list of programs and services to help job seekers at a One-Stop career center near you.
GET PROFESSIONAL ASSISTANCE Planning your job search, identifying job leads and contacting employers can be difficult. Don't be afraid to ask for professional help. Staff can objectively review your rsum or job application and make suggestions for improvement. They can also help explore other occupations you might enjoy and assist you in contacting employers.
EXPLORE RETRAINING OPTIONS If you need retraining, financial assistance may be available to pay for tuition, books and supplies. Assistance with child care or transportation may also be available. Hundreds of educational and training options are available throughout Georgia. Your skills, abilities, interests and needs are considered in helping you put together a financial aid package.
MILITARY VETERANS Prior military service will allow you to receive personalized service from qualified DOL veterans staff, whose sole area of responsibility is assisting military veterans with all their job search needs. Just ask for the local Disabled Veterans Outreach Program Specialist (DVOP) or Local Veterans Employment Representative (LVER).
2

Question: Do I have to go to the Georgia Department of Labor One-Stop career center each week?

Answer:

No. Once you have filed your initial claim at a GDOL One-Stop career center you will have three options to request your weekly benefit check.
l An automated system allows you to certify each week by telephone.
l www.dol.state.ga.us allows you to certify online. l Or, go in to your local One-Stop career center.

Question: If I am offered a job, do I have to accept it?

Answer:

You are expected to apply for and accept suitable employment (comparable to your previous job) as determined by your prior experience, training, earnings, and length of unemployment.

Question: Are there web sites that will help me find a job?

Answer: Yes. You can find helpful sites at: www.dol.state.ga.us/js/find_a_job.htm.

15

WHAT IF SOMEONE IN MY FAMILY GETS SICK?
Health insurance is out there, you just have to know where to look.
HEALTH CARE FOR CHILDREN PeachCare for Kids is a free or low-cost health insurance program for children of working families whose income is too high for Medicaid.
Families who cannot afford private health insurance or whose employer does not offer family health coverage may be eligible. For more information about PeachCare for Kids, call (877) 427-3224 from 7:30 a.m. to 7:30 p.m., Monday through Friday, or go to www.peachcare.org. Applications are available at your county health department and Department of Family and Children Services (DFCS) offices.
AFFORDABLE HEALTH CARE Check out the following web sites for other health insurance options:
www.ehealthcare.com and www.ehealthinsurance.com
Provides information/quotes on affordable packages for families and single persons.
www.assuranthealth.com
Provides information and quotes on short-term policies, which cost less because they exclude coverage for existing conditions and reimburse a small percentage of your costs.
www.nahu.org
Enables you to find health insurance agents in your area.
www.naic.org
Enables you to check on how many customer complaints have been lodged against an insurance company.
6

YOU HAVEN'T ANSWERED MY QUESTION YET!
...is something you might say before reading this section!
Question: What should I do before I separate from employment?
Answer: Consider the following:
Update your rsum and begin networking with relatives, friends, neighbors, former co-workers, and members of any club or organization of which you are a member. Let people know that you will be available for work soon and what type of work you are interested in. Ask them to inform you of job leads or connections they may have to companies that support your job interests. Speak to your supervisor and get a written reference if possible.
Meet with your company's benefits administrator and health plan administrator to find out about your retirement pension and health insurance. Pages 16 and 17 of this booklet have resources you can use.
Set up an e-mail account on the Internet.This is a critical tool for networking, sending rsums and corresponding with potential employers. Free email accounts are available from many websites, including www.mail.com.
Participate in job fairs held in your community.
Review your financial obligations and create a budget. Consider using the National Foundation for Credit Counseling for free financial counseling services. In addition to general counseling, they offer debt management and lender negotiations for free or a minimal fee. Find information at www.nfcc.org.
11

ICONS USED IN THIS BOOKLET
Use these icons to locate information quickly:
This icon will point out areas that will slow you down if you are not properly prepared.
This icon will be pointing out insider information so you can easily accomplish your goals.
This icon will point out first-rate services that are highly suggested by workforce experts.

WHERE DO I GO FOR...

AGENCY/PURPOSE

INTERNET ADDRESS

Health Insurance Portability and Accountability Act www.dol.gov/ebsa

Health Insurance

www.ehealthcare.com www.ehealthinsurance.com
www.assuranthealth.com www.nahu.org www.naic.org

Internet Job Sites

www.dol.state.ga.us www.nationjob.com www.helpwanted.com www.usajobs.opm.gov
www.ajb.org

Medicaid

www.communityhealth.state.ga.us

Social Security

www.ssa.gov

Trade Act

www.doleta.gov/tradeact

Find Resources

www.careeronestop.org

Veterans Benefits

www.va.gov http://sdvs.georgia.gov

Veterans Jobs

vetjobs.com

17

I WOULD LIKE TO STAY HOME AND RELAX
...is what you can say if you don't want Unemployment Insurance.
Unemployment insurance is paid by the Georgia Department of Labor when you become unemployed through no fault of your own. You must be a U.S. citizen or provide proof of alien work authorization status to apply. The amount of your benefit will be based on your individual work history and wages earned. Unemployment insurance is subject to state and federal taxes.
If you qualify, you must meet certain requirements in order to continue receiving a weekly check. You must: be physically able to perform some type of work and conduct an active search for full-time work each week; be actively registered for employment services with your local career center and keep a record of your job search contacts; have no unreasonable restrictions that would prevent you from working or accepting a full-time position; and report all wages earned while claiming unemployment compensation.
You must certify that you met the above requirements at the end of each week that you are unemployed, either by telephone or computer, to receive your check. To avoid mail problems, and to receive your check faster, we suggest that you use direct deposit.You will need to bring your checking or savings account number and routing number of your bank when you file, to use direct deposit.
If you are enrolled in approved training, you may be eligible to receive unemployment compensation without looking for work. You must have satisfactory attendance and academic progress to stay eligible and exempt from the work search requirement.
Go to any Georgia Department of Labor One-Stop career center to apply for unemployment insurance.You should have a social security card or verification of your social security number and picture identification.
4

Question: Where can I get information about potential employers in my area?

Answer:

Your local One-Stop career center has job listings for companies. More information about local companies is available from books and other resources at One-Stop career centers. You may also access company information via the Georgia Department of Labor's website, http://explorer.dol.state.ga.us.

Question: Where can I get information on wages for different occupations?

Answer:

The Georgia Department of Labor's web site has a wide range of labor market information. Go to www.dol.state.ga.us. If you do not have a computer, you may request this information or access the Internet at your local One-Stop career center.

Question: What if I was laid off as a result of foreign competition or because my job moved to another country?

Answer:

Special assistance may be available to help individuals who become unemployed as a result of international trade. More information about the Trade Act is provided on Page 5 and at www.doleta.gov/tradeact.

Question: Can I go ahead and quit my job since I know I will be laid off soon?

Answer:

If you quit your job voluntarily without a good work related reason while your employer still has work available, you could be disqualified from receiving unemployment insurance benefits.

Question: Was my employer required to notify me before closing? Is my employer required to pay me for 60 days after laying me off?

13