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Comment by spinlock_ | Hacker News Reader

Regarding the "ejector seat savings account", do I receive something like unemployment benefits when I quit my in the United States? If yes, does it matter whether I quit or was fired? Sorry if that question sounds naive, but from what I read here on HN I'm often not quite sure how the system works in the US.

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Here in my corner of the US (Michigan), Unemployment is granted when you can show that you were fired or laid off, not entirely your fault, and then have to continue to answer a series of questions, at specified times, designed to help you fail. One of those questions is proof that you are looking for work, not just sitting around and taking the money. And when you get the money, it's usually less than half of what you were getting when actually working. Making an error usually resolves in not getting any money for that week, and the right error means no more money for the claim. There is a state-backed job search service, MIWorks, that you have to show proof of using, but it isn't as expansive as other job search sites. But they have offices with available computers and people to help search and/or build a resume, which is nice. But the big lesson here is if you lose in Michigan, you lose.

generally speaking, if you quit or were fired you would not be eligible for any unemployment assistance. it's different state to state, but quit is your decision, and 'fired' is usually for something negative/bad. I've been 'laid off' - terminated but it was reported as no fault of mine - and received unemployment assistance - this has happened to me twice.

the 'ejector seat savings' the GP was referring to just means 'have enough savings that you can walk away from any situation if you want to'. GP probably wasn't meaning 'walk away from all work forever'. I can say in my case even when I qualified for unemployment assistance, it was pretty small, and took a couple weeks for me to even get a check, then another few days for the check to clear. Mind you this was 15 years ago - the situation might be 'faster' now, but... having savings now means I wouldn't care one way or another, but at the time, I had very little, and it panicked the heck out of me not having a 'regular check' coming in.

25 years ago, I was earning... about $700/week. The upper cap on unemployment assistance paid out around... $300/week (and I didn't even qualify for the full amount, IIRC). I had been earning $700/week, but then had to wait close to 3 more weeks to get a check from the state for around $200. It wasn't close to a sustainable situation.

Thanks for the detailed response. Tbh that sounds pretty hard to me. I guess for people who can easily find a new job (e.g. tech) that might not be a big deal, but I feel sorry for all the people who don't have that luxury (e.g. unskilled blue-collar worker).

yep. again, my experiences were from over a decade ago - I'm sure a bit has changed, but probably not all that much. That was from 2 different states as well.

https://fileunemployment.org/unemployment-benefits/unemploym...

I'm in a position now where I have ... probably 18 months or more of living expenses lined up that I can tap whenever I need to, so I don't think I'll ever have to be in that situation again. BUT... I still remember have $0, owing money, having no job/income. Scary as a single person, probably doubly so if you have a family to support.

I agree that unemployment benefits aren’t the metaphorical ejector seat here. But, regarding “fired” vs “laid off,” at least in California, you’re generally eligible for unemployment benefits even if you were fired, as long as you weren’t fired for illegal or malicious activity. In particular, if you didn’t care about losing a reference and burning bridges, you could get fired for poor performance and still collect unemployment. I can’t think of a plausible situation where it would be beneficial, but you could certainly do it.

thinking about it again, that's possibly closer to the mark. I did let an employee go years back, and he then filed for unemployment and I had to answer some questions from the state - did I agree, or want to deny the claim or something like that. It was for poor performance, and I was probably at fault for the poor performance on his part (not as much as he was, but still partially).

So what did you do? did you say OK to the State?

yes. I believe it caused our 'unemployment insurance' to the state to go up, but... it's been close to 20 years - I don't remember the specifics :)

I'm pretty sure you have to pay income tax on any unemployment benefits. And the state/county doesn't withhold tax, so that next April 15th you might get an unpleasant bill.

Having 3-9 months of fixed expenses money in the bank is pretty liberating. You know it's there and available, so your attitude at work becomes less about "OMG how am I going to pay my bills if I lose this job" and more about actually accomplishing something.

Your interpretation of my sentiment is spot on. Thank you.

I believe you have to be involuntarially let go (i.e., fired or downsized) in order to collect unemployment. If you depart of your own decision, including them talking you into doing so, you do not get to collect unemployment.

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