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Old March 2nd, 2010, 11:33 AM   #1
hillbillyrockstar
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Default What makes up a Michigan Unemployment Income Check???

Like the title says...school me. On percentages and whatnot that make up this check.

I know part of it comes from money that the previous employer paid in, but I know that I am paying for a portion of these suckers with my taxes that I pay in. Reason I say this is because I know of people out there who have been getting unemployment benefits for longer than they WERE employed. And I don't mean by a couple days. I mean by YEARS! Shit pisses me off. If you legitimately are on it, and take the first job or couple part time jobs you can find ASAP, then that's cool, to get off the teet of unemployment, but the fawkers who been on it for like a year, due to them being unwilling to suck it up and make a little less at a shitty job for the mean time piss me off A LOT!

I just want to know if this is kind of like a mortgage or a loan....like where in the beginning, you pay little principle and a lot of interest, but at the end, you pay little interest and a lot of principle?

Does the money from those checks...in the beginning of ones unemployment benefits, start off coming primarily from the previous employer, then after a while start coming from taxes?

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Old March 2nd, 2010, 02:41 PM   #2
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Old March 2nd, 2010, 03:22 PM   #3
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Extensions aside, my understanding is that it is all paid by the last employer.
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Old March 2nd, 2010, 03:36 PM   #4
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Quote:
Originally Posted by hillbillyrockstar View Post
Like the title says...school me. On percentages and whatnot that make up this check.

I know part of it comes from money that the previous employer paid in, but I know that I am paying for a portion of these suckers with my taxes that I pay in. Reason I say this is because I know of people out there who have been getting unemployment benefits for longer than they WERE employed. And I don't mean by a couple days. I mean by YEARS! Shit pisses me off. If you legitimately are on it, and take the first job or couple part time jobs you can find ASAP, then that's cool, to get off the teet of unemployment, but the fawkers who been on it for like a year, due to them being unwilling to suck it up and make a little less at a shitty job for the mean time piss me off A LOT!

I just want to know if this is kind of like a mortgage or a loan....like where in the beginning, you pay little principle and a lot of interest, but at the end, you pay little interest and a lot of principle?

Does the money from those checks...in the beginning of ones unemployment benefits, start off coming primarily from the previous employer, then after a while start coming from taxes?

SCHOOL ME!
As far as I know, the state pays the first 26 weeks. Extensions after that are paid by Federal, I think? While they collect from your previous employer.



But don't worry, just about everyone will be off of it here soon since they aren't allowing any federal extensions anymore. I guess they are trying again, but I doubt it will go through.


I'm currently on it, and have been for a year. I worked for my last employer for three years, since I was out of high school. I've filled out a lot of applications, I sit here atleast a couple hours a day looking for places I could work. Going to or calling different shops or whatever, calling back places I've filled out app's, filling out online applications for places like Walmart, Home Depot, Autozone, Advance Auto, UPS, FedEx.. ect. I've had about 10 call backs, and two interviews. One which the position was filled before I arrived for my scheduled time, the other was filled by someone else a week later.

But, because of them not passing that new thing, I will only recieve 4 more weeks of whats left of my current extension, and then I'm shit out of luck. I have no idea why I am so unemployable, but I haven't had a single job offer since I was "laid off" from work. Not even my friends or family have been able to get me a job.
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Old March 2nd, 2010, 03:44 PM   #5
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Pretty much I think the checks are made from aborted fetuses
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Old March 2nd, 2010, 04:18 PM   #6
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It's paid by businesses. We all pay into the fund even if we don't use it. Your rate is higher or lower based on this. Employee's don't pay anything in to cover unemployment.
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Old March 2nd, 2010, 05:59 PM   #7
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Originally Posted by Fuel Fire Desire View Post
Extensions aside, my understanding is that it is all paid by the last employer.
huh

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Originally Posted by brimy311 View Post
It's paid by businesses. We all pay into the fund even if we don't use it. Your rate is higher or lower based on this. Employee's don't pay anything in to cover unemployment.
Cost of doing business eh
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Old March 2nd, 2010, 07:39 PM   #8
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Employee's don't pay a dime. It comes from a tax on employer's. Regular UI benefits come from that. The extensions are 100% paid by the feds and a bulk of the funds come from FUTA taxes. A tax on employer's.
the comment about people living off the gov't and not looking for work is pure ignorance. For every one that is mooching off the system there are a thousand who are feeding their families and keeping a roof over their heads.
UI dollars roll over fast. They don't go into savings or a 401k. They go back into the economy almost immediately. For every dollar paid, the GDP is raised by $1.65 or more. In MI, over $5 billion was paid out last year. Imagine what happens if you pull that out of the economy. Since there are no jobs, anyone have any better plan?
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Old March 2nd, 2010, 08:32 PM   #9
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Quote:
Originally Posted by hillbillyrockstar View Post
Like the title says...school me. On percentages and whatnot that make up this check.

I know part of it comes from money that the previous employer paid in, but I know that I am paying for a portion of these suckers with my taxes that I pay in.
What you think you know, you don't really know...

http://en.wikipedia.org/wiki/Unemplo...#United_States
Quote:
Unemployment insurance is a federal-state program jointly financed through federal and state employer payroll taxes (federal and state UI taxes)[18]. Generally, employers must pay both state and federal unemployment taxes if:
(1) they pay wages to employees totaling $1500 or more in any quarter of a calendar year; or,[18](2) they had at least one employee during any day of a week during 20 weeks in a calendar year, regardless of whether the weeks were consecutive. However, some state laws differ from the federal law.[18] To facilitate this program, the U.S. Congress passed the Federal Unemployment Tax Act (FUTA), which authorizes the Internal Revenue Service (IRS) to collect an annual federal employer tax used to fund state workforce agencies. FUTA covers the costs of administering the Unemployment Insurance and Job Service programs in all states. In addition, FUTA pays one-half of the cost of extended unemployment benefits (during periods of high unemployment) and provides for a fund from which states may borrow, if necessary, to pay benefits. As originally established, the states paid the federal government.[18]
The FUTA tax rate was originally three percent of taxable wages collected from employers who employed at least four employees,[19] and employers could deduct up to 90 percent of the amount due if they paid taxes to a state to support a system of unemployment insurance which met Federal standards,[17] but the rules have changed as follows. The FUTA tax rate is now 6.2 percent of taxable wages of employees who meet both the above and following criteria,[18] and the taxable wage base is the first $7,000 paid in wages to each employee during a calendar year[18]. Employers who pay the state unemployment tax on a timely basis receive an offset credit of up to 5.4 percent regardless of the rate of tax they pay their state. Therefore, the net FUTA tax rate is generally 0.8 percent (6.2 percent - 5.4 percent), for a maximum FUTA tax of $56.00 per employee, per year (.008 X $7,000 = $56.00). State law determines individual state unemployment insurance tax rates.[18] In the United States, unemployment insurance tax rates use experience rating.[20]
for more reading, try this link:
http://lmgtfy.com/?q=who+funds+unemployment+benefits


and while nobody really enjoys paying their taxes, even their "fair share" - there are very few people on this or most any web forum statistically speaking that are really paying out of their own income to support mass quantities of the unemployed or welfare folks benefits. (I won't argue that payroll and other taxes on employers are a drain on that business and thus they are potentially paying you (and the market) a lower working wage, that's another discussion)

total your federal income tax dollars and be prepared to slice and dice the pennies with a very, very precise laser to see where they all go: http://www.gpoaccess.gov/usbudget/fy08/hist.html

at the State level, your Michigan income taxes support to some degree the State Bureaucracy, they in large part do NOT get convoluted with property taxes which are the primary source of funding for your local municipal services and local school funding (with some state shared revenues from sales tax disbursed by census allocations)

What's all that mean? Unless you are Warren Buffett, Bill Gates, ClarkstonCracker, or Dr.Sol you don't pay shit in taxes to support any of the social services (let alone Unemployment Benefits) for Joe Average that lost his job and can't find another.
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Old March 3rd, 2010, 07:14 AM   #10
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RyeBread- Thanks for clearing that up. And this cracked me up....

http://lmgtfy.com/?q=who+funds+unemployment+benefits

And I'm glad you showed me that link to that Presidents page on the budget that shows where my tax money goes from each paycheck and what it goes to. Been wondering that for a while.

Thanks for the help.
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Old March 3rd, 2010, 09:33 AM   #11
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Michigan Unemployment Payments May Fuel More Unemployment

"As of February 2010, Michigan owed the federal government $3.5 billion it has borrowed to help pay unemployment benefits, according to the state.

Michigan paid $7.1 billion in benefits to the 680,000 unemployed Michigan residents in 2009 and had to borrow $2.4 billion to cover that year's expense. That state's unemployment rate was 14.6 percent in December 2009, the highest in the nation. Nevada was second at 13.0 percent."
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Old March 3rd, 2010, 06:35 PM   #12
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I just started collecting unemployment after my old boss was fighting it. It took 6 months to START collecting. I have a masters license and a ton of other certifications and cannot find a job.
I'm 35 years old and this is the first time i've been on unemployment. Sucks.
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Old March 3rd, 2010, 06:56 PM   #13
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I'm still in high school and I work for my dad making $7.50 an hour. This guy that works there "part-time", doesn't work monday or friday and when he does he just strolls in at whatever time he wants to and leaves whenever. He collects unemployment and makes like 11-12 bucks an hour. It pisses me off that I bust my ass going in everyday after school and saturdays most of the time.

I understand that you can make a certain amount and still collect unemployment, but wouldn't you think you would want to actually work instead of messing around considering how poor the job market is right now?

Oh and I think my dad fired his ass at the beggining of this week
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Old March 3rd, 2010, 07:15 PM   #14
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I understand that you can make a certain amount and still collect unemployment, but wouldn't you think you would want to actually work instead of messing around considering how poor the job market is right now?


Unemployment is based off your best quarter of earnings in the last 18 months.

I had a guy working for me that just stopped coming to work and wouldn't answer phone calls. He made more off unemployment than simply working because we had a busy first quarter last year before his "retirement".

He filed for unemployment due to "lack of work". I had to hire someone else to do his job while he collected unemployment. I've spent a year fighting it and finally went before a judge 2 weeks ago. This hearing was only from the point of his extension, but he will have to return all the money. A whole years worth of unemployment.
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Old March 3rd, 2010, 07:29 PM   #15
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Thats awesome, karma really is a bitch
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Old March 4th, 2010, 05:51 AM   #16
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I understand that you can make a certain amount and still collect unemployment, but wouldn't you think you would want to actually work instead of messing around considering how poor the job market is right now?


Unemployment is based off your best quarter of earnings in the last 18 months.

I had a guy working for me that just stopped coming to work and wouldn't answer phone calls. He made more off unemployment than simply working because we had a busy first quarter last year before his "retirement".

He filed for unemployment due to "lack of work". I had to hire someone else to do his job while he collected unemployment. I've spent a year fighting it and finally went before a judge 2 weeks ago. This hearing was only from the point of his extension, but he will have to return all the money. A whole years worth of unemployment.
Did you contest his original claim? If you fought it right off the bat he would have collected zero unemployment. You can quit and qualify for unemployment if the job can no longer be performed because of health issues, etc.... You have to have a seriously good reason to collect that way.

I do believe that my old employer is still fighting mine. The next step for me is the Michigan court of appeals I guess.
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Old March 4th, 2010, 04:46 PM   #17
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[QUOTE=Rob the plumber;2124696]Did you contest his original claim? If you fought it right off the bat he would have collected zero unemployment. You can quit and qualify for unemployment if the job can no longer be performed because of health issues, etc.... You have to have a seriously good reason to collect that way.



Yes from moment one. The problem was that I didn't have work for him for one week and he was part time. I had 45 hours for him the two weeks before, but nothing for the third week. He applied for unemployment for week 3.

No problem.

When he failed to call in for his hours for week 4. I called him on the phone to tell him he was working wed thurs fri that week and he told me he couldn't work, he had plans.

After that I never heard from him again and he wouldn't answer the phone or return a message until he needed an extention.

The UIA stated that calling him on the telephone to give him his work hours was improper, his hours of work must be sent by certified mail to his home.

After that it was a year of protests.
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