28/Jul/2014 - Last News Update: 10:56

How to cope with unemployment

Category: Business

Published: 15th Dec 2010 20:47:08

Unemployment can be one of life's toughest challenges, but there are many practical steps you can take to help you best cope.

An array of information is available through the BBC News website and various groups offer help for people who are out of work.

Here is a guide to some of that advice and information.

If you are being made redundant, a good starting point for advice and information is the government advice service direct.gov.

Alternatively, Acas has a detailed booklet with advice and information aimed at employers and union representatives.

If you have worked continuously for the same employer for two years or more, you are likely to be entitled to statutory redundancy pay.

The first £30,000 of redundancy pay is tax-free but the rest, including unpaid wages and bonuses, may be taxed.

Direct.gov has an online calculator to help you work how much you are entitled to.

Business Link has one aimed at employers to calculate the minimum you have to pay.

It also does a comprehensive guide to what you need to think about, and the rules you need to follow, if you are contemplating laying workers off.

For employees, there are specific rules if your employer goes bust. What has happened to the company and who is running it now, will determine who you may be able to claim to and how you do it.

If the company is insolvent, for example, you may be able to claim your statutory redundancy pay from the the National Insurance Fund.

You have to meet certain conditions, however, such as having worked for the firm continuously for two years.

Those in Northern Ireland can get free advice on employment rights from the Labour Relations Agency.

And if you are given notice of redundancy, you are entitled to some paid time off to look for a new job - provided that, by the time your period of notice ends, you have been with the employer for two years.

About 2.5 million people in the UK are out of work, according to official figures. But Jobcentre Plus says there are still job vacancies in the UK at any time.

People looking for a job can start by searching a database of jobs held by Jobcentre Plus.

In addition there is a separate database of jobs in Northern Ireland.

Direct.gov has advice on how to apply for jobs, including filling in an application form or writing a CV - which an adviser at your local Jobcentre Plus office can also help with.

In addition, there are websites for specific parts of the UK.

Careers Scotland has advice on finding a job, dealing with redundancy and links to Scotland-specific jobs sites.

Next Steps, in England has advice including where to look for funding for courses to learn new skills.

Careers Wales has bi-lingual advice on all these things, too, plus help for jobseekers under 19.

People who find themselves unemployed for more than six months may be eligible for further help from the government. But this depends on your circumstances and where in the UK you live.

Finally, the charity Credit Action has produced an excellent guide to facing up to redundancy. It advises you not to panic and to take time to assess what kind of work you would like to do.

It also suggests using contacts to get work. But it warns against rushing out immediately after you are made redundant - this can be counter-productive if you are in an emotional state.

Organisations such as The Samaritans can offer help and advice if the emotional impact of being made redundant gets too much.

If you are out of work, you may be entitled to a series of benefits, including Jobseeker's Allowance (JSA) and Child Tax Credit.

Employment and Support Allowance (ESA) may be available if you are sick or have a disability.

Direct.gov can guide you to which benefits you could be entitled to and how to make a claim.

Organisations such Citizens Advice can also help you as to possible entitlements after you have lost your job.

You'll find separate advice sections on their website for England, Scotland, Wales and Northern Ireland.

You can also speak to one of their advisors, for free and in confidence, in person at one of their centres.

Financial hardship is an obvious potential problem if you lose your job, so it is worth facing up to this.

There is plenty of free help available, so take advantage of it.

Experts urge people to be honest about money problems. For starters, you may want to take the BBC's Debt Test and Financial Healthcheck.

Keep up to date with priority debts, including housing, heating and council tax.

A good place to start is the Citizens Advice website, and its sections on money management. Choose the specific section for your part of the UK.

Advice groups include the Consumer Credit Counselling Service or the National Debtline.

Setting a budget and having a good overview of your income and outgoings can also help you to juggle your finances in tricky times.

A group of national charities have put together a site with lots of financial advice, including how to plan your finances with a budget calculator.

Alternatively BBC Raw has a video guide to surviving redundancy, including an easy-to-use budget planner.

Source:
BBC News External Link Show Citation

Latest News

Harvard Citation

BBC News, 2010. How to cope with unemployment [Online] (Updated 15th Dec 2010)
Available at: http://www.ukwirednews.com/news/116112/How-to-cope-with-unemployment [Accessed 28th Jul 2014]

News In Other Categories

  • Toronto Film Festival: The Judge will be opening film

    The Judge, starring Robert Downey Jr and Robert Duvall, has been announced as the opening film at this year's Toronto Film Festival (TIFF).
  • Bristol Academy extends reach overseas with first foreign students

    With the doors to its brand new £1million training centre officially open, one of the UK's leading apprentice training providers, Bristol based S&B Automotive Academy, is showcasing its world-class facilities by launching a series of foreign student exchanges for the first time in its 41-year history. To get a flavour of what life is like as an apprentice in the UK, the Academy hosted 16 apprentice engineers and bus drivers from the G9 Automotive College in Hamburg, Germany, as part of a Europe-wide vocational training initiative called the ‘Leonardo Programme’ with support from the European Social Fund. In a reciprocal arrangement, S&B will be sending nine apprentices to Germany during February 2012 so that they can get an appreciation of life in the automotive industry on the Continent. A further three German exchange groups are being planned for next year. Designed to assist the development of vocational skills and training across Europe, including work placements for trainees, the Leonardo Programme has a budget of €1.75bn, which is helping to encourage UK organisations to work with their counterparts abroad. In what is expected to be another challenging year for employers in the UK automotive sector, S&B’s Chief Executive, Jon Winter, claims that the exchange initiative will bring many benefits to the Academy and its apprentices: “In a world of global automotive brands, it’s important for our learners to understand the international context of the industry they have chosen to make their career. This new exchange programme will enable apprentices and Academy staff alike to achieve a better understanding of the challenges and opportunities within the automotive arena in Europe. With the Academy’s influence also extending to the USA and Asia, there’s every possibility that this initiative could move further afield in the future.” Continued Winter: “The need for skilled technicians across the world is on the increase and we actively encourage our apprentices to look at broader horizons during their training. Many of them have already learned the phrase ‘Vorsprung durch Gelehrtheit’, quite simply, ‘Advancement through learning.” In the 2010/11 academic year, S&B doubled the number of successful Apprenticeships over the previous year with some 350 apprentices graduating from the Academy. At the same time, achievement levels reached an all-time high with an overall success rate of 85%. For those learners on the Advanced Apprenticeship three-year programme, success rates were even higher, at over 98%. PHOTO CAPTION: As part of their exchange visit, S&B Automotive Academy arranged for the German apprentices to visit Hampshire bus operator, Bluestar, at its Barton Park depot. The students are pictured with S&B’s Andy West (3rd right) and Steve Prewett, Bluestar’s Area Engineering Manager (2nd right). Ends http://www.sandbaa.com
  • Boy, 12, rescued from Lincoln quarry cliff

    A 12-year-old boy got stuck on the cliff face of a 35ft (11m) high quarry after taking a short cut home.
  • Joanna Michael family in Supreme Court in negligence fight

    The family of a mother-of-two stabbed to death will take its negligence claim against two police forces to the Supreme Court.
  • Body found behind Dundee sports pavilion

    Police are investigating after a man was found dead near a busy Dundee road.
  • Toronto Film Festival: The Judge will be opening film

    The Judge, starring Robert Downey Jr and Robert Duvall, has been announced as the opening film at this year's Toronto Film Festival (TIFF).