TAKING THE NEXT
POSITIVE STEP IN YOUR
FUTURE…
Dislocated Employees
Orientation Meeting
JOBLINK
Linking job seekers and employers to
strengthen the workforce…
• JobLink Career Centers provide you a single
place to address your employment and training
needs.
• JobLink Career Centers offer a more
convenient, efficient and effective way for all job
seekers to look for a new or better job.
JOBLINK
Available Services:
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Job Placement Assistance
Job Development
Career Information
Education & Training Assessment
Self-Directed Job Search
Workforce Re-entry
Needs and Services Referral
Resume Assistance
Available Services:
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Assessment Testing
Unemployment Insurance
Work Permits
Notary Services
Voter Registration
Fax Services
Selective Service Registration
Computerized Typing Test
Employability Lab
Available Services:
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OJT (On-the-Job Training)
Veteran Services
Trade Adjustment Act
Job Listings
Labor Market Information
School-to-Careers Apprenticeship Program
• Workforce Investment Act Training Program
Available Services:
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Youth-at-Work Program
Vocational Rehabilitation
Services for the Blind
Department of Social Services
Title V Older Worker Program
Federal Bonding Program
JobLink Centers
Martin County JobLink/ESC
200 Greene StreetSuite 201
Williamston, NC 27892
(252) 792-7816
Washington County JobLink/ESC
P.O. Box 10
209 East Main Street
Plymouth, NC 27962
(252) 793-4041 ext: 203/212
Beaufort County JobLink
1385 John Small Avenue
Washington, NC 27889
(252) 946-3116
Chowan County JobLink/ESC
1316-C North Broad Street
Edenton, NC 27932
(252) 482-2195
Bertie County JobLink
1001 S. King Street
Windsor, NC 27983
(252) 794-5616
EMPLOYMENT SECURITY
COMMISSION
Employment Services:
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Job listings and referrals
Clerical Testing
Resume Preparation Assistance
On-line registration and job selection
(www.ncesc.com)
Labor Market Information
On-line state applications
Referrals to supportive services
Job Development Contacts
Unemployment Insurance:
• On-line, telephone or in-person filing
(www.ncesc.com or 1-877-841-9617)
• On-line potential benefits estimator
• Eligibility based on earnings in covered
employment – not paid by worker
• Must be able to work, available for work and
actively seeking work
• No restrictions to keep from accepting full-time
suitable work
• Earnings allowance (usually about 20% of WBA)
– amount you can earn before any deductions
Unemployment Insurance:
• Retirement pensions come off the top (not
subject to earnings allowance)
• Claims are effective on Sunday of week in which
they are filed. Each claim lasts for a period of
one year. During that one-year period, you are
allowed to draw between 13 and 26 weeks. The
money may run out before the year does.
• There are no extensions available at the present
time.
Unemployment Insurance:
• Benefit eligibility is based on earnings during a
base period which is the first four of the last five
completed calendar quarters. At the present
time, the base period is October 2004 through
September 2005. The base period will change
again on April 3, 2006.
• The maximum weekly benefit amount is
$442.00. The weekly benefit amount is figured
by dividing the amount of the highest quarter
wages in the base period by 26.
Unemployment Insurance:
• Duration of benefits is figured by dividing the
total base period wages by the highest quarter
and multiplying by eight and two-thirds (8 2/3).
The maximum duration is 26 weeks.
• Severance Pay: If you receive severance pay
when you leave your job, you must wait until the
period covered by the severance pay has
passed before filing a claim for benefits.
Exception: If you enroll in training (one
approved class) and bring proof of your
enrollment, you will not be required to wait until
the period covered by the severance pay runs
out. You can file immediately.
Unemployment Insurance:
• Waiting Period: The first eligible week of each
claim series is a waiting period. No one who
files against the State of North Carolina is paid
for the first eligible week of their claim.
• Enrolled In Training: If you are enrolled in
training under the Dislocated Worker Program,
you may be eligible to receive unemployment
insurance benefits without having to look for
work while you are attending school.
Unemployment Insurance:
 Work Refusals: Failure to accept suitable work
could affect your eligibility for benefits. If you
refuse work, you will give a statement explaining
why you did not accept the job. This statement
will be sent to Raleigh and a determination will
be made. The criteria for determining whether
or not work is suitable are the degree of risk
involved to health, safety, and morals; physical
fitness and prior training; experience and prior
earnings; length of unemployment; prospects for
securing local work in your primary occupation.
Unemployment Insurance:
NOTE: Suitability of work may change as the length of
your unemployment progresses. When you first become
unemployed, your chances of finding other work are the
best they will ever be. Your skills are at their peak and
statistics have shown that the majority of individuals find
work in the first week following their separation from
employment. The longer you remain unemployed, you
begin losing your skills and your chances of finding work
diminish. In view of this, when you first become
unemployed, your wage expectation might be higher
than it is after you have been unemployed for a while.
As your length of unemployment increases, you may
need to lower your expectations. A job which was not
considered suitable for you at the beginning of your
claim may be considered suitable later in the claim
series.
Unemployment Insurance:
State and Federal Income Tax: Unemployment
insurance benefits are subject to state and
federal income taxes. You may have state and
federal income taxes withheld from your weekly
benefit payment upon request. Federal taxes
are withheld at the rate of 10% of your weekly
benefit amount. The amount deducted for state
tax is variable. You may designate withholding
for state taxes from 1% to 100% of your weekly
benefit amount.
Employment Security Commission
For more information - contact:
Martin County JobLink/ESC
200 Greene StreetSuite 201
Williamston, NC 27892
(252) 792-7816
Washington County JobLink/ESC
P.O. Box 10
209 East Main Street
Plymouth, NC 27962
(252) 793-4041 ext: 203/212
Employment Security Comm.
112 West Third Street
Washington, NC 27889
(252) 946-2141
Chowan County JobLink/ESC
1316-C North Broad Street
Edenton, NC 27932
(252) 482-2195
Dislocated Worker
Program
(Workforce Investment Act)
Northeastern
Workforce Development
Board
Dislocated Worker
Defined as an individual who has been
terminated or laid off, or who has received
a notice of termination or layoff from
employment as a result of any permanent
closure of, or any substantial layoff at a
plant, facility, or enterprise.
Under the Dislocated Worker
Program, there are three levels of
service:
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Core Services
Intensive Services
Training
CORE SERVICES
Core Services are coordinated and
delivered by JobLink Center staff and their
partners and include the following:
•Workforce Investment Act program eligibility
determination
•Initial Assessment-( skill level, aptitudes)
•Job Search & Placement assistance
•Labor Market Information
•Performance Information and Program Costs
•Financial Aid Information
•Information on Supportive Services(transportation, child care, etc.)
Intensive Services
If a dislocated worker is unable to find
employment through core services and the
Case Manager determines that more
assistance is needed for the individual to
obtain employment, they are referred to
Intensive Services. Participants that progress
into Intensive Services are enrolled in the
Workforce Investment Act Dislocated Worker
Program.
Intensive Services include the
following:
•Comprehensive and specialized assessment of
skill levels
•In-depth interviewing and evaluation to identify
employment barriers and appropriate goals
•Development of an Individual Employment Plan
•Individual/group counseling and career planning
•Case Management activities
Training
If core services and intensive services under
the WIA Dislocated Worker Program do not
result in you obtaining employment, and the
Case Manager determines that additional
training is needed, participants may be
enrolled into training.
Training
• Individual Training Accounts
Curriculum-based training in Occupations in
Demand
Curriculum/training must be approved in the NC
Stars listing of eligible training providers by the
local Workforce Development Board.
May cover the cost of tuition, books, fees, supplies, and
required curriculum equipment
Training
• On the Job Training
The On the Job Training Program prepares dislocated
workers for re-entry into the labor force by increasing
their occupational and educational skills.
The OJT program is designed to place participants into
unsubsidized employment at the end of the designated
training period.
Employers collect the benefit of up to 50%
reimbursement of training costs.
Dislocated Worker Program
(Workforce investment Act)
ITEMS NEEDED AT TIME OF APPLICATION
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Letter of Layoff from employer
Pay Check Stub from Employer
Applicant’s Birth Certificate
Applicant’s Social Security Card
Applicant’s license or picture ID
Dislocated Workers Program
For more information – contact:
Martin County JobLink
200 Greene StreetSuite 201
Williamston, NC 27892
(252) 792-7816
Washington County JobLink
P.O. Box 10
209 East Main Street
Plymouth, NC 27962
(252) 793-4041 ext: 203/212
Beaufort County JobLink
1385 John Small Avenue
P.O. Drawer 1787
Washington, NC 27889
(252) 946-3116
Chowan County JobLink
1316-C North Broad Street
Edenton, NC 27932
(252) 482-2195
DISLOCATED WORKERS PROGRAM
For more information – contact:
Bertie County JobLink
1001 S. King Street
Windsor, NC 27983
(252) 794-5616
Community Colleges
•Beaufort County Community College
•College of the Albemarle
•Martin Community College
Beaufort
Community
College
Martin
Community
College
Curriculum
• Degrees:
– College Transfer – AA Degree
– Vocational:
• AAS, Diploma, Certificate
• Financial Support:
– WIA: On approved programs
– Pell: On individual qualifications
– Scholarships: On criteria and
need
• Courses Delivered By:
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Traditional (classroom)
Internet
Hybrid (blended)
Telecourse
Information Highway
• Getting Started:
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Submit Application
Provide Transcripts
Take the Placement Test
Apply for Financial Aid
Meet with an Advisor/Counselor
Continuing Education
• BASIC Education
– GED
– Skills Lab
• HRD teaches…
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Job Application
Resumé Writing
Interview Techniques
Basic Computer Skills
Money Management
Career Planning
• Occupational Courses
– Online Ed-to-Go
– Classroom Specific Training
• Financial Support
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GED – FREE
Skills Lab – FREE
HRD – FREE
Occupational Courses
• Based on number of hours
• Getting Started:
– Call and register
– Come to class
– Upon completion, receive
CEU’s, Diploma, or
Certificate
• Small Business Center provides:
– Business Counseling for new and existing
businesses
– Business Counseling and Training on…
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How to Start a Business
How to Write a Business Plan
Financing a Business
Marketing for Success
Record keeping and Taxes
Community Colleges
Contact Information
Beaufort Community College
Martin Community College
252-946-6194
252-792-1521
Clay Carter
Occupational and Workplace Recruitment
Lentz Stowe
Small Business Center Director
Gary Burbage
Director of Admissions
Dr. Phyllis Broughton
Dean of Academic Affairs
Walter Whitfield
Interim Executive Director
Continuing Education
Georgette Chilton
Small Business Center Director
College of the Albemarle
252-335-0821
Vocational
Rehabilitation
Vocational Rehabilitation is an
employment agency for people with
disabilities.
You are eligible for VR
sERvicEs iF…
• You have a physical, mental, learning
disability, or emotional impairment that
affects your ability to find or maintain
employment, and
• You require VR services to get ready for,
find or keep a job.
Vocational
Rehabilitation
VR can provide various employment services
to assist people in obtaining employment.
These include:
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training for job skills
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job seeking skills training
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job placement
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follow-up
Vocational
Rehabilitation
If you qualify for services, you and your
vocational rehabilitation Counselor will
design an individual plan for employment
to meet your needs.
Vocational
Rehabilitation
The goal for Vocational Rehabilitation
is to assist individuals with disabilities
with their employment goals.
North Carolina
Home Protection Pilot
Program
And Loan Fund
The North Carolina Home Protection
Pilot Program, created by the General
Assembly in 2004, has been expanded
this year to help workers who have lost
their jobs because of changing economic
conditions.
Home Protection Pilot
Program
• Operated by the North Carolina Housing
Finance Agency.
• Inspired by the large number of plant
closings the state has been experiencing.
• Five of the eligible counties are Bertie,
Halifax, Northampton, Tyrrell and Washington
To be eligible for a loan, a homeowner must
meet all of the following criteria. They must:
• Reside in an eligible county
• Have lost their job due to changing economic
conditions
• Have a mortgage that is secured by real
property
• Demonstrate an ability to resume their mortgage
payment after the assistance ends
• Have had a stable employment and credit
history prior to losing their job, and
• Meet other eligibility requirements.
Home Protection Pilot Program
You do not need to be currently
unemployed or in foreclosure to
apply for the program. Assistance
is available to avoid foreclosure
and/or allow workers financial
assistance to pursue retraining.
Do not delay your applications!
Program offers:
• Stay of foreclosure on eligible properties
• Qualifying homeowners can receive zerointerest loans
• Short-term- to bring a mortgage current, or
• Long-term- to keep a mortgage current for
up to 18 months while the homeowner is
between jobs
Program Offers:
• The principal is repaid after the term of
assistance ends. Assistance is available
in designated counties on a first-come,
first-serve basis, and until funds are
expended.
• Participating local agencies are offering
housing counseling and assistance to
determine whether dislocated workers are
eligible for assistance from the loan fund.
For eligibility determination, application assistance
and counseling, dislocated employees should
contact:
Choanoke Area Development Association (CADA)
P.O. Box 530
Rich Square, NC 27869
(252) 539-4155
or
Bertie County JobLink
1001 S. King Street
Windsor, NC 27983
(252) 794-5616
Financially Surviving
a Job Loss
Marc Cram, CFP
Cram Investment Group
719 Voyager Place
Durham, NC 27712
919-383-8194
800-242-2965
© 2006, Financial Planning Association®
Financial Planning
Financial Planning Looks at the
Big Picture
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Insurance
Retirement planning
Tax planning
Spending, budgeting, and debt
Investing
Estate planning
© 2006, Financial Planning Association®
Insurance
Health Insurance
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Stay in employer’s plan
Use COBRA
Obtain private coverage
Switch to spouse’s plan
Life & Disability Insurance
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Can you convert it?
Shop for the best deal
© 2006, Financial Planning Association®
Retirement Plan
Four Choices
1.
2.
3.
4.
Cash out
IRA
New employer’s plan
Former employer’s plan
?
Each option has tax considerations.
© 2006, Financial Planning Association®
Retirement Plan
Cash Out
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Immediate use
Income tax
10% penalty tax
Pay back loans
© 2006, Financial Planning Association®
Retirement Plan
Roll Over
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IRA
New employee’s plan
Avoids taxation
Loan payback required
© 2006, Financial Planning Association®
Retirement Plan
Stay in Former Employer’s Plan
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No taxes or penalties
May or may not need to repay loans
immediately
Plan assets protected from creditors
No further contributions
© 2006, Financial Planning Association®
Spending Plan
MONTHLY INCOME
Severance pay
Unemployment benefits
Emergency fund
Spouse’s income
$
$
$
$
Temporary/part-time work $
Other $
TOTAL
???
© 2006, Financial Planning Association®
Spending Plan
MONTHLY EXPENSES
Rent/mortgage $
Groceries $
Utilities $
Insurance premiums $
Transportation $
Job retraining $
Clothing $
Entertainment $
Other $
TOTAL
Income - Expenses = ?
© 2006, Financial Planning Association®
???
Cutting Expenses
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Reduce insurance premiums
Refinance mortgage
Do it yourself
Avoid credit cards
Get help
Reassess short-term strategies
© 2006, Financial Planning Association®
Debt
If debt starts to accumulate …
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Contact creditors immediately
Negotiate payments
Sell items to pay off loan
Consolidate debt if it reduces payments over
the same time period
© 2006, Financial Planning Association®
Debt
If debt starts to accumulate …
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Tap into home equity, but be careful
Work with a non-profit credit counseling
service
National Foundation for Credit Counseling:
www.nfcc.org
Bankruptcy is a last resort
© 2006, Financial Planning Association®
Investments
Investing During a Job Loss
• More conservative or more aggressive?
• Invest for the long haul
• Don’t panic
© 2006, Financial Planning Association®
Resources
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© 2006, Financial Planning Association®
Financial Planning Association:
www.fpanet.org/public
National Endowment for Financial
Education’s Smart About Money Web site:
www.smartaboutmoney.org
For More Information
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Marc Cram, CFP
marc@cramgroup.com
www.cramgroup.com
919-383-8194
800-242-2965
© 2006, Financial Planning Association®
JOB FAIR
Sponsored
by the
Washington County
Chamber of Commerce