What To Do With a Loss of Income Options

你突然失去收入的原因有很多. 有时候，可以预见的情况会导致你的工作时间减少, 比如需要减少工作来支持新生儿的出生.

In this article, 我们将涵盖三种不同的情况，你可能会经历收入损失. 对于每种情况，我们将列出可能在您需要的时候有所帮助的收入选择.

Income Options

  1. Loss of Income Due to Reduced Hours
  2. Loss of Income Due to Unemployment
  3. Not Qualified for Unemployment

In the case of COVID-19, 加州海岸认识到，疫情给许多人带来了无法预料的经济困难. 无论是否与疫情有关，我们的心都与感染者同在. 我们希望下面的建议和资源能够帮助那些正在经历经济困难的人，并帮助他们探索其他收入选择.

1. Loss of Income Due to Reduced Hours

由于种种原因，你可能会发现自己收入减少或收入减少. In the case of the COVID-19 pandemic, 公司关闭大门，以保护员工和社区免受疫情的影响.

如果你还在工作，但工作时间减少了，首先看看你的工资单. What changes can you make?

  • Can you change your 税 withholdings to exempt?
  • 你能把部分或全部假期或病假兑现吗?

Do you pay 401k contributions or do you have a 401k loan?

你可以暂时暂停你的401k供款. 如果你有401k贷款，你可以推迟还款.

如果你符合某些标准，你也可以从你的401k中提取而不会受到惩罚. In the case of COVID-19, these criteria include being quarantined, being laid off, hours reduced, 被迫休假, childcare changes, 或者你或配偶被诊断出患有COVID-19病毒. 读了 国税局.政府 文章 Hardships, Early Withdrawals and 贷款 找到更多关于某些事件的信息，这些事件使您有资格获得不受处罚的提款.

Do you have flexible spending accounts?

Use those for any additional medical expenses. 与大流行的情况一样，金融服务机构可能有不同的规则来扩大授权费用 包括非处方药，如泰诺、阿勒夫、止咳药和止痛药.

Are you paying for life insurance?

How much is your life insurance coverage? Can you get more for less through outside company?

What about other expenses like parking or Legal Aid?

如果你要支付额外的费用，问问自己是否可以暂停或取消这些服务. Every little bit will count.

2. Loss of Income Due to Unemployment

If you were laid off, let’s take a look at unemployment. 在申请和证明福利时，你需要确保你符合所有的资格要求.

要在加利福尼亚州申请失业，您必须:

  • Have earned enough wages during the base period.
  • Be totally or partially unemployed.
  • Be unemployed through no fault of your own.
  • Be physically able to work.
  • Be available for work.
  • Be ready and willing to accept work immediately.

More information on 加州的失业资格要求可以在这里找到. 一般来说，规则规定你必须不是因为自己的过错而失业. 然而, 你可以证明你有充分的理由辞职，并且得到了雇主的批准.

在一些罕见的情况下，失业要求可能会完全改变. 例如, 在2019冠状病毒病大流行期间，资格要求发生了变化，因此即使您是:

  • 自由职业者
  • Seeking part time employment
  • Did not have enough work history to qualify before.

The qualifications:

  • You or family member have been diagnosed with COVID-19.
  • 你照顾生病的人或你的孩子，因为学校停课.
  • You are in quarantine.
  • 您无法到达您的工作或您的工作因COVID-19而关闭.
  • Your spouse who earned the main income died from COVID-19.

重要的是要考虑你所有的收入选择，包括失业. 及时了解失业等福利的规定和要求, 因为他们可能会因为情有可原的情况而改变. 你可能有资格获得福利，否则你将得不到.

3. Not Qualified for Unemployment

如果你没有工作，也没有资格领取失业救济金, there may be other income options for you to explore. 当某些情况下需求很高时，公司通常会增加人员来支持增加的工作量.

你可能想要探索一些其他的收入选择:

  • Grocery and open stores such as Target and Wal-Mart
  • Drug stores such as Walgreens and CVS
  • Amazon and other online shopping stores such as Instacart
  • Outschool for teachers
  • Zoom and other online social connection companies

There are also increased opportunities in the community. Can you help seniors with their shopping? Offer home cleaning services.

如果你搜索选项，你可能会找到一些能帮助你度过难关的东西. Need more guidance? Cal Coast’s Certified Financial Coaches 是否总是在这里为会员提供一对一的财务支持和建议. You can also visit our Financial Tips blog 更多关于预算、财务计划等方面的建议.

免责声明:所提供的提示仅供参考，不应以任何方式依赖于财务, 税, or legal advice. The information is subject to change without notice. 加州海岸信用社鼓励您在做出有关财务管理的决定时做自己的尽职调查.

参考文献:

COVID-19 unemployment information

Information about withdrawing from 401k