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Title: Welcome to todays


1
Welcome to todays Employee Meeting Coordinat
ed by Kentucky's Rapid Response Team and
Partner agencies
www.kentuckyunbridledspirit.com
2
  • Rapid Response is a strategy designed to respond
    to layoffs and plant closings by quickly
    coordinating services and providing immediate aid
    to affected workers, who are/or have been
    separated thru no fault of their own.
  • Rapid Response teams will work with your employer
    and any employees to quickly identify and
    coordinate public and private efforts, while
    minimizing disruptions associated with job loss
    for individuals and communities.

3
Kentuckys Rapid Response Team Agencies
coordinate an array of services for Dislocated
Workers
Office of Employment Training
Vocational Rehabilitation
One Stop Career Center
Local Workforce Investment Area One Stop Career
Center WIA Title 1 Dislocated Worker Program
Health Services
U.S. DOL Employee Benefit Security Administration
KY Adult Education
One stop Career Centers are nationwide and many
of the services you hear about today are mirrored
in surrounding states.
4
http//oet.ky.gov
5
Am I Eligible to Draw Unemployment Insurance
Benefits? Base Period
  • Soon after you file your claim, you will receive
    a notice telling you if your claim is Allowed or
    Denied based upon the amount of earnings reported
    in your Base Period.
  •  Your base period is the first four of the last
    five completed calendar quarters immediately
    prior to the quarter you file your claim. Heres
    a chart to help you understand what the base
    period will be for a claim.

6
Am I Eligible to Draw Unemployment Insurance
Benefits? Base Period
  • For example, if you filed your claim with an
    effective date any time from October 1, 2003,
    through December 31, 2003, your base period for
    that claim would be July 1, 2002 through June 30,
    2003 .
  • The effective date of a claims is the Sunday
    date immediately preceding the date the claim is
    filed.

7
Am I Eligible to Draw Unemployment Insurance
Benefits?
  • There are four (4) requirements that must be met
    before a monetary determination can be made that
    there are sufficient wages in your base period.

1. Wages of at least 750 in one quarter. 2.
Total wages of at least one and one-half (1 ½)
times the wages in your high quarter. 3. Total
wages outside the high quarter of at least 750.
4. Wages in the last two (2) quarters of at
least eight (8) times your weekly rate.
8
Am I Eligible to Draw Unemployment Insurance
Benefits?
  • If we do not find enough wages in your base
    period or you do not meet all four of the prior
    criteria, you will receive a notice stating that
    your claim is Denied. If you believe all your
    wages were not included in the determination, you
    may request Reconsideration. You may also
    request a reconsideration if your weekly benefit
    amount is less than the maximum allowed, and you
    believe all your wages were not reported.
  • Bring proof of additional wages, such as check
    stubs, W-2s, or a statement from your employer.
    We will look into your claim and make any
    adjustments required. If you have requested a
    reconsideration, while youre waiting for a
    determination, you Must continue to claim your
    weeks of benefits, because if you dont and your
    claim is Allowed after adjustments are made, we
    cannot pay you for weeks that have passed.

9
How Much Will I Receive in Unemployment Insurance
Benefits Each Week?
  • To find out the Weekly Benefit Amount, we
    multiply 1.3078 by the total base period wages.
  • example22000 x 1.3078 287.71
  • The Weekly Benefit Amount (rounded to the
    nearest dollar) would be 288.00.
  • The maximum amount of benefits you can draw
    during the life of the claim would be the lesser
    of 26 times your weekly benefit rate or 1/3 of
    your total base period wages.
  • In the example given, the maximum amount payable
    during the life of the claim would be 26 x
    288.00, which is 7488.00.
  • To Calculate Your Unemployment Insurance Benefits
    Visit
  • http//oet.ky.gov
  • Click Unemployment Insurance
  • Click Calculating Weekly UI Benefits

10
Unemployment Insurance Benefits Facts
  • Employers pay the full cost of unemployment
    insurance benefits. Workers do not pay any part
    of the cost.
  • Once your weekly benefit rate is established, the
    actual amount of your weekly benefit check can
    vary because of required or elected deductions.
    If you have earned wages during the week you are
    claiming Unemployment Insurance Benefits. Then
    eighty percent (80) of your Gross wages, before
    deductions, that you earn during the week claimed
    will be deducted from your weekly amount. For
    example, if your weekly benefit amount is 150
    and you earn 40 during the week, we will deduct
    32 (80 of 40) from your weekly amount of 150,
    and issue you a check for 118.
  •  If you receive a Pension, you must let us know
    the week the first pension check is received . If
    the employer contributed 100 to the pension,
    then the pension is deductible. If you
    contributed to the pension, pension is not
    deductible. Pensions paid under the Social
    Security Act or Railroad Retirement Act will not
    be deducted.

11
Additional Unemployment Insurance Benefits Facts
  • One hundred percent (100) of wages received in
    lieu of notice will be deducted. This is
    different from severance pay and vacation pay,
    which is not deductible when there is a permanent
    separation in employment. If in doubt, ask your
    interviewer to explain the difference.
  • Your Unemployment Insurance Benefits are Taxable
  • You may have federal income tax withheld from
    your unemployment insurance benefit check. This
    is optional and may be changed once during your
    benefit year. The amount withheld will always be
    10 of your weekly benefit amount.
  • Unemployment insurance benefits are taxable and
    must be reported on your annual income tax
    return. The department will provide you with an
    annual statement (Form 1099G), no later than
    January 31st of each year.

12
Important Unemployment Insurance Information
It is Very Important That You Read and Understand
the Information Regarding Your Rights and
Responsibilities . (PAM UI-400/ES- 513)
 Work Search Requirements While Claiming
Unemployment Insurance Benefits
  • By law, an unemployed worker must be available
    for suitable full-time work and making such
    reasonable effort to obtain work as might be
    expected of a prudent person under like
    circumstances while claiming unemployment
    insurance benefits.

13
The Musts for receiving Unemployment Insurance
Benefits
  • Be able to work.
  • Register for work with the Office of Employment
    Training (OET).
  • Respond in a timely manner when Office of
    Employment Training contacts you about job
    openings.
  • Accept referrals to suitable work from the Office
    of Employment Training , staff and partners.
  • Report for job interviews (to which referred).
  • Report for follow-up contacts with the Office of
    Employment Training,as instructed.
  • Participate in other Reemployment Services and
    Case Management, to which you are referred .
  • Seek employment on your own, and
  • Accept suitable employment when offered.
  • Failure to meet the above requirements may result
    in disqualification from receiving benefits.

14
Unemployment Insurance Information
If My Claim is Allowed, Do I Get My Benefits
Now?
Its a good start, but more is required. You may
be an insured worker and still be ineligible or
disqualified for benefits. Some of the common
reasons you may be ineligible or disqualified
are
  • You are not able to work, or available for
    full-time work or actively seeking full-time
    work.
  • You have a medical reason to prevent you from
    accepting work.
  • You are an alien not permitted to work .
  • You have unreasonably limited the wages you will
    accept, the hours or days you will work, the
    locations where you work or jobs you will accept.
  • You are not looking for work as instructed.
  • You did not register for work with Job Services,
    if required.
  • You are involved in a strike .
  • You are self-employed/owner/officer of a
    corporation .
  • You are attending school (without prior approval
    of the Office of Employment Training) .

15
If My Claim is Allowed, Do I Get My Benefits
Now? (Continued)
Some of the additional common reasons you may be
ineligible or disqualified are
  • You are a school employee between terms.
  • You are suspended for misconduct.
  • You refused suitable work.
  • You do not have adequate transportation.
  • You dont have someone to care for your children
    while you work.
  • You were fired for misconduct connected with your
    employment.
  • You quit your job for personal reasons or for
    reasons that were not considered good cause
    connected with the employment.
  • You did not report, telephone, or provide
    information to the local office when instructed.
  • You worked or earned wages in excess of the
    amount allowed to be considered unemployed.
  • You failed to participate in required services
    under the Re-Employment Services Program.

This is just a partial list of reasons you may
be disqualified or ineligible
16
Fraud Another more serious disqualification is
for making a False Statement or failing to tell
us an important fact, such as working while
drawing benefits. Do Not Be Guilty of Fraud! If
you make a False Statement in claiming benefits,
you can be disqualified for up to 52 weeks! There
are other penalties for fraud, too, such as Fines
and Possible Imprisonment. Also, all benefits
fraudulently received Must Be Repaid to the
Office of Employment Training. Interest will
accrue and there may be a lien filing fee as well
as a lien release fee.
17
Important Unemployment Insurance Information
  • You must not rely solely on Office of Employment
    Training or any single job lead source to get a
    job. Occasionally, while claiming unemployment
    insurance benefits, you will be required to
    report to the Office of Employment Training to
    discuss your work search efforts. The Office of
    Employment Training will want to know which
    employers you have contacted, when you contacted
    them, who you contacted at each location, the
    phone number and the results of those contacts.
  •  You must bring this information with you when
    you report to the Office of Employment Training
    for an in-person eligibility review.
  • Unemployment insurance claimants are allowed a
    reasonable period of time to find work that is
    comparable in pay and skill level to their most
    recent employment. However, if you are unable to
    find such work after a reasonable period of time
    or that type of work is not available in your
    local labor market, you will be required to lower
    your expectations and seek employment that pays
    less or is at a lower skill level than you are
    accustomed.

18
Re-Employment Services Program
  • The Re-Employment Services Program is a team of
    employment/reemployment specialists located in
    Local Offices throughout the state. They use
    motivational group job search sessions, and
    modern technology ranging from the Internet to
    virtual interviewing -to recruit, screen,
    motivate and place a more diverse range of
    qualified job applicants.

19
How to prepare to file your Unemployment
Insurance claim.
  •  Make it easy on yourself and avoid unnecessary
    filing delays Regardless of how you choose to
    file your Unemployment Insurance Claim (Internet
    or Telephone), you must have the following
    information to successfully submit your claim
  •  Your Social Security Number
  •  Your complete mailing address
  • Your most recent (for the past 18 months)
    employers business names, complete mailing
    addresses, and phone numbers
  • The exact month, day, and year that you began
    work for each of your recent (for the past 18
    months) employers
  • The exact month, day, and year that you last
    worked for each of your recent employers

20
  • The options for filing a claim for
  • Unemployment Insurance Benefits
  • You can now file your claim for Unemployment
    Insurance Benefits Online, no more long waits to
    file your claim.
  • This service is available at www.kewes.ky.gov ,
    24 hours a day, 7 days a week.
  • The directions are in your information today.

21
Additional options for filing an Unemployment
Insurance Benefit Claim
  • Filing by Telephone If you have all the
    necessary information and a touch-tone telephone,
    you can also file your Unemployment Claim by
    Telephone between 730am-530pm Eastern Time. The
    number is (859-547-3362).
  • (This is not a Toll Free number.)
  • Electronic filing from our office If you choose
    to file your Unemployment Insurance claim from
    our local office/One-Stop Center customer service
    representatives are available to help you. You
    can receive assistance as you file your claim
    electronically in our resource room.

22
Trade Act Programs
23
The Petition Process for Trade Act Programs
  • 1. A group of three or more workers, a company
    official, a union or other dually authorized
    representative, or a One-Stop operator can file
    a petition with the U.S. Department of Labors
    Division of Trade Adjustment Assistance (DTAA)
    and the Trade Adjustment Assistance (TAA)
    Coordinator of Dislocated Worker Unit of the
    state in which the employer is located.
  •  
  • 2. After investigating the petition, which can
    take typically 40 days, DTAA certifies or denies
    eligibility to apply for TAA services and
    benefits and notifies petitioners and a company
    official.
  •  Certified workers individually apply for
    services through
  • their local Career Centers.
  • Denied workers may appeal.
  • 3. Workers must be enrolled in training 8 weeks
    after certification of 16 weeks after their last
    qualifying separation to receive TRA benefits or
    a waiver of training enrollment must be granted
    by the state.

24
Based on individual eligibility, members of a
Trade petition certified worker group may receive
one or more of the following Reemployment Trade
Services available at Barren River Area Career
Centers
  • Job Search Registration
  • Employment Counseling
  • Case Assessment
  • Job Development
  • Supportive Services
  • Self-Directed Job Search Services
  • Job Search Allowances For costs of job search
    outside of the local area (anything over 100
    miles one way), reimbursement of 90 of the cost
    up to a maximum of 1,250.00.
  • Relocation Allowances For costs of relocating to
    a job outside of the local area (anything over
    100 miles one way). Three estimates are required
    from commercial carriers for household moving
    expenses.

25
More Reemployment Services available at Barren
River Area Career Centers for Trade eligible
individuals, who are members of a Trade petition
certified worker group
  • Trade Readjustment Allowances (TRA) Up to 104
    weeks of cash payments for eligible workers
    enrolled in full-time training.
  • Basic or remedial education (including literacy
    training and English as a Second Language)
  • Up to 26 additional weeks are available to
    workers who require remedial training.
  • Training Services Up to 104 weeks of approved
    training, includingClassroom training
  • Workers must be enrolled in training 8 weeks
    after certification or 16 weeks after separation
    to receive or to be eligible for TRA benefits,
    HCTC, or a wavier issued by OET of training
    enrollment must be granted by the state.
  • Employer-based training

26
Health Care Tax Credit for Trade eligible
individuals, who are members of a Trade petition
certified worker group (HCTC)
  • Health Insurance Coverage Assistance Tax credits
    covering up to 65 of the monthly health
    insurance premium paid by an eligible
    participant.
  • Kentuckys Health Insurance Assistance program
  • Melissa Wiley 502-564-7456
  • The Kentucky Department for Workforce Investment
    received a federal grant to make the continuation
    of healthcare affordable for more workers
    certified under the Trade Adjustment Assistance
    (TAA) program.
  • It will pay 65 percent of the cost of qualified
    health insurance coverage for up to three months.
    The program will help to bridge the gap until
    the individual can complete the registration for
    the primary healthcare assistance (HCTC) that is
    administered by the Internal Revenue Service
    (IRS).
  • Anthem Blue Cross Blue Shield is offering Blue
    Accesssm Trade Adjustment
  • The registration form for both the Kentucky gap
    filler assistance and the IRS tax credit is
    available at the OET one stop Career Centers
  • Kentuckys gap filler and the IRS tax credit can
    be used to pay for other types of automatically
    qualified insurance including coverage under a
    COBRA continuation provision, a spouses
    employer-sponsored plan, an individuals health
    insurance plan and state continuation coverage.

27
Alternative Trade Adjustment Assistance (ATAA)
  • ATAA is designed to allow TAA eligible workers
    for whom retraining may not be appropriate and
    who find reemployment to receive a wage subsidy
    when there is a salary gap between their old and
    new employment. These claimants are eligible for
    the Health Coverage Tax Credit and Relocation
    Allowance, in addition to the ATAA allowance.

28
Alternative Trade Adjustment Assistance (ATAA)
Certification criteria
  • Eligibility To receive ATAA benefits, workers
    must be eligible for TAA under an ATAA certified
    petition
  • A significant number of adversely affected
    workers in the petitioning workers firm are 50
    years of age or older.
  • The adversely affected workers in the petitioning
    workers firm possess job skills that are not
    easily transferable to other employment and
  • The competitive conditions within the affected
    workers industry are adverse.

29
Alternative Trade Adjustment Assistance (ATAA)
Individuals Criteria
  • Be at least age 50 at time of reemployment.
  • Obtain full time reemployment (as determined by
    the employer) by the last day of the 26th week
    after the workers qualifying separation from the
    TAA/ATAA certified employment.
  • Must not be expected to earn more than 50,000
    annually in gross wages (excluding overtime pay)
    from the reemployment.
  • Cannot return to work to the employment from
    which the worker was separated. Thus, the worker
    cannot return to the same division/facility that
    he/she was separated from nor can the worker do
    the same or similar work for the employer that
    he/she was separated from in another
    division/facility.
  • Some Restrictions may apply- for further
    important information on anything concerning ATAA
    please visit your local Career Center.
  • Application Process Workers who seek the
    benefits and services available under the ATAA
    program must file a regular TAA petition and
    indicate on the form that the worker group
    request consideration for eligibility under the
    ATAA program.

30
Trade Act Programs Contact InformationDivision
of Trade Adjustment Assistance United States
Department of Labor Employment and Training
Administration Division of Trade Adjustment
Assistance Room C-5311200 Constitution Ave.,
N.W. Washington, DC 20210Phone
202-693-3560Fax 202-693-3584 or 3585Web
http//www.doleta.gov/tradeactLocal Career
Center To find the nearest One-Stop Career
Center, State TAA Coordinator, and Dislocated
Workers Units, call 1-877-US2-JOBS,
1-877-889-5627 (TTY), or visit the Americas
Service LocatorWeb site at http//www.serviceloc
ator.org
31
Workforce Investment Act One Stop Career
Centers WIA Title 1 Dislocated Worker
Program
32
One Stop Career Centers Services
  • Job search assistance including up to date job
    postings, career counseling and access to online
    job sites
  • Access to computers, faxes, phones, and reference
    materials for job searches
  • Career resources including tools to help you
    create a resume, skill assessments, testing
    services, links to area employers, education,
    job readiness and / or training opportunities
  • Workshops on resume writing, occupational
    preparation, and interviewing techniques
  • Specialized services are available for Farm
    workers, youth, individuals with a disability,
    dislocated workers, and older workers (ages 55
    up)

33
Area One Stop Career Centers
  • Workforce Investment Act Title 1 Dislocated
    Worker Program
  • If you have been laid off from your job and are
    currently receiving or have exhausted your
    unemployment insurance benefits, you may be
    eligible for special services
  • Customized Career Counseling, skills assessment,
    resume preparation and career search assistance
  • Educational services and training programs for
    those who lack current marketable skills.
  • Financial Assistance to qualified individuals who
    have to schedule job interviews, and/or relocate
    to a new job more than sixty miles away.

34
Kentucky Adult EducationCouncil on Postsecondary
Education
Adult Continuing Education Programs
35
Kentucky Adult EducationCouncil on Postsecondary
Education
  • Key Services
  • Instruction to develop or improve basic academic
    skills such as writing, mathematics, science,
    social studies and English as a second language.
  • Preparation for the General Education Development
    (GED) test
  • Family literacy programs for parents who need
    instruction in basic academic and employability
    skills along with activities emphasizing
    parenting and other life skills. These programs
    also ensure that children are provided age-
    appropriate , educational instruction in order to
    raise the educational levels and aspirations of
    the family all in one setting.

36
Kentucky Adult EducationCouncil on Postsecondary
Education
  • Key Services (continued)
  • Instruction to adults who face barriers in
    obtaining additional education can be provided at
    their jobsite. Working with employers and labor
    unions, instructors use everyday work situations
    to provide basic skills.
  • Skill assessments and related instruction to
    assist learners as they purse a chosen career
    path.
  • FREE online learning through Kentucky Virtual
    Adult Education
  • (www.KYVAE.org) providing adult learners and
    instructors to access to literacy information,
    curriculum, resources and services. For
    assistance with online learning call
    1-877-740-4357

37
Kentucky Adult EducationCouncil on Postsecondary
Education
  • Key Services (continued)
  • Competency-based Instruction and
    CertificationsKYAE local adult education centers
    provide instruction to prepare students to take
    the ACT WorkKeys assessment. The attainment of a
    minimum score qualifies a student for the
    Kentucky Employability Certificate (KEC), which
    is a standardized credential that validates
    reading, math and locating information skills for
    specific occupations. KYAE programs also provide
    targeted instruction to certify adult students
    for the Kentucky Manufacturing Skills Standards
    (KMSS) assessment, which is administered by the
    Kentucky Kentucky Community and Technical College
    System. The KMSS is based on the academic,
    employability and occupational skills identified
    by an industry task force as necessary for
    employment in the manufacturing sector.
  • To contact KYAE call 1-800-928-7323 or (502)
    573-5114 or visit our Web site at
    http//adulted.state.ky.us

38
Office of Vocational Rehabilitation
39
Office of Vocational Rehabilitation
http//ovr.ky.gov/index.htm
  • The Office of Vocational Rehabilitation provides
    services to assist eligible Kentuckians with
    disabilities achieve their career goals.
  • We provide assistance to those trying to find a
    position or maintain present employment.

40
Office of Vocational Rehabilitation
  • Eligibility
  •  A person must have a physical or mental
    disability
  • This disability must constitute or result in a
    substantial impediment to employment.

41
Office of Vocational Rehabilitation
  • We Serve Individuals With the Following
    Disabilities
  •           Physical
  •           Mental
  •           Developmental
  •           Hearing Loss
  •           Deafness
  • Learning
  • The one group of individuals with disabilities
    that we do not serve are those with visual
    impairments. These individuals are served by
    our sister agency, the Office for the Blind.

42
Office of Vocational Rehabilitation
  • Services Provided to Eligible Individuals
  • Assessment
  •   Counseling and Guidance
  •   Job Development, Placement and Follow-Up
  •   Training Assistance, if necessary
  •    Rehabilitation Technology

For more information or to locate a Office of
Vocational Rehabilitation near you, Please
call 1-800-372-7172 (Voice/TTY)
43
Your Health Department
44
Kentucky Childrens Health Insurance Program
(KCHIP)
  • reduced-cost health insurance for Kentucky
    Children
  • Families with children 1 through 18 years of age.
  • Based on income guideline
  • Phone 1-877-KCHIP(52447)-18
  • 1-877-524-4718

45
U.S. Department of Labor, Employee Benefits
Security Administration http//www.dol.gov/ebsa/
  • 1-866-444-3272

46
COBRA
  • Employer has 30 days to notify plan administrator
    of the qualifying event.
  • Plan administrator has 14 days to notify
    qualified beneficiaries.
  • Qualified beneficiaries have 60 days for
    election. This is measured from the later of the
    coverage loss date or the date of the COBRA
    election notice is provided.

47
COBRA
  • After making the election, qualified
    beneficiaries have 45 days to pay initial
    premiums.
  • Payment generally must cover the period of
    coverage from the date of COBRA election
    retroactive to the date of the loss of coverage,
    due to the qualifying event.
  • The premium cannot exceed 102 of the cost of the
    plan.

48
Other Options
  • Kentucky Childrens Health Insurance Program
    (KCHIP)
  • Veterans Healthcare Administration
  • Individual Policy
  • Spouses Employer Sponsored Plan

49
HIPAA
  • Pre-existing condition
  • 12 months maximum exclusion period 18 months
    for late enrollees
  • Waiting period runs concurrently with exclusion
    period and does not count toward a significant
    break in coverage.
  • Reduced by periods of creditable coverage.

50
HIPAA
  • A plan is not required to count days of coverage
    that occur before a significant break.
  • 63 days is deemed a significant break in coverage

51
HIPAA
  • Special Enrollment allows an individual who
    previously declined coverage to enroll
  • If the individual loses other coverage and
    requests enrollment within 30 days after the
    prior coverage ends.
  • If the individual has or becomes a new dependent
    through marriage, birth, adoption, or placement
    for adoption.

52
HIPAA
  • Individuals who lose coverage and are entitled to
    elect COBRA, should receive a certificate of
    creditable coverage.
  • Individuals who cease COBRA should also receive a
    certificate of creditable coverage.

53
ERISA
  • Make sure you have a Summary Plan Description
    (SPD)
  • A Summary Plan Description tells if you are able
    and when you can collect your pension or how to
    roll over your 401(k) contributions to a new
    employers plan or to an IRA (if your old plan
    permits it)

54
ERISA
  • If able to obtain payment in lump sum, if the
    check is sent directly to participant and not
    rolled over, consequences to be aware of
  • 10 penalty if not 59 ½ , some plans 55
  • 20 for taxes
  • following year filing income tax
  • Could affect unemployment compensation

55
Americas One Stop Career Center Service
Locator http//www.servicelocator.org/ 1-877-US-
2JOBS
56
(No Transcript)
57
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