Not being in work is a terrible thing for many reasons. Firstly, you just feel as though you’re wasting time doing nothing. You can’t really learn anything away from work, and there are few things you can achieve too. But, the main issue is that you simply aren’t making any money. Your income has dried up, and there’s always a danger that your family goes broke and you end up having to file for bankruptcy to get out of all the debt you have mounting up.

Okay, things escalated very quickly there, but it’s a genuine possible scenario that many families could face. So, the question is; how do you stop your family from going broke when you’re out of work. Realistically, there are various avenues you can go down, but the first step is looking at why you’re out of work, to begin with.

Why Are You Out Of Work?

People can end up without a job for many different reasons. It’s important you know the reason, as this can influence some of the things you do to get money for your family. Below, I’ve listed some of the most common reasons you’re out of a job, and the ways you can avoid going broke.

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You’re Out Of Work Because Of An Injury/Disability

One of the most common reasons people end up without a regular income from a job is because they physically can’t work. This could be temporary – because of an injury – or permanent – because of a disability. Either way, there are things you can do to get money and avoid going broke.

The first thing is to try and get compensation for your injury. Most injuries are caused by accidents, and most accidents aren’t your fault. As it shows here https://www.fmelaw.com/staten-island-workers-comp-lawyer/, if you got injured in your place of work, you can sue for workers compensation. This should give you the money you need to pay medical bills and live comfortably before your injury clears up and you can work again. If you get injured in a car accident, contact a personal injury lawyer, and so on.

If you end up with a disability, then you should look into government schemes that offer support for people in your position. More often than not, there are benefits you’re entitled to. You can learn more about this on sites like https://www.ssa.gov/disability/ if it applies to you.

As well as these two things, you should also try finding work that you can physically do. If you can’t walk, this doesn’t mean you can’t do any jobs at all. Office jobs are still a possibility or freelance jobs where you can work from home. So, explore different options that may be completely different to what you used to do.

You’re Out Of Work Because You Were Fired/Let Go

A very common reason people are out of work is that they’ve just been fired or let go. Now, there is a big factor here that makes all the difference. Were you fired because you were bad at your job and broke the rules, or were you let go because of downsizing/company folding issues?

If you were fired because you something bad or wrong, then it’s a struggle. You should start looking for work right away, and maybe doing voluntary things to bolster your experience and prove to potential employers that you are good at some things. Also, don’t take it out on the company that fired you, this will just make things worse as they’ll be more inclined to warn people off you.

If you were let go because of issues in the business not relating to you, then you have a couple of things to do. For one, hire a lawyer and ensure you got all the compensation you deserve from a severance package. If you didn’t, sue the company and get money for your family. Then, it’s time to look for new jobs, ensuring you get your previous employers to write a glowing reference for you.

In both scenarios, you should try and apply for unemployment benefits while you look for work. This helps keep your bank balance ticking over until you find a new job. Learn more about this here https://www.usa.gov/unemployment if you’re interested.

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You’re Out Of Work Because You Haven’t Had A Job For Years

Many women haven’t had a job for years because they chose to devote their lives to raising their children. Then, the kids grow up, and you suddenly have loads of free time on your hands. So, you decide to go back to work to help make more money for your family.

Here, you need to work on building up your resume with relevant qualifications and experience. Don’t be afraid to study again to gain educational qualifications, or do voluntary work to get experience. If you had a job in the past, you could still use this as evidence that you’re highly employable. But, most employers will value voluntary work from this year higher than a few years of work from a decade ago.

These are the main reasons most people don’t have a job. You can see that there are a few similar things to do in each scenario.

Step one: Pursue all legal avenues first. If you think there are legal issues up for debate, then it makes sense to lawyer up and iron them out. You’ll be surprised at how much money you can gain for your family through compensation in various cases.

Step two: Look for government aid. The government offers various benefits packages for people not in work. Take a look to see if you’re eligible and you can earn regular income that helps your family.

Step three: Make money. It sounds simple, but you need to make money if you want to avoid going broke. You don’t have to get a conventional job to do this. Start a home business, become an online freelance worker, or even sell some of your belongings.

Use all the info in this guide to help your family cope with the financial impact of you not having a job to support them anymore.