Rapid Response A Resource Guide for Workers Facing Layoffs I was just laid off. How do I apply for unemployment insurance? p16 How can I get health insurance and medical care? p18 Who can help me write a resume and search for a job? p2 Is there help to keep me from losing my home? p22 I need to upgrade my skills. What help is available for retraining? p10 Are there options for continuing my education? p11 Rapid Response 1 Introduction 2 Job Search Services 7 Job Search Tips 10 Job Training Assistance for Laid-Off Workers 11 Educational Opportunities 16 Unemployment Insurance and Other Financial Assistance 18 Health Coverage and Retirement Benefits 20 Health Care Options 22 Foreclosure Prevention 23 Local Office Locations You can find an electronic version of this guide online at the KentuckianaWorks website: www.kentuckianaworks.org. Introduction 1 Being laid off from a job is one of the most traumatic experiences anyone can have. But in this situation, you are not alone. There are services and resources for your immediate needs as well as assistance for finding training and employment for the long-term. The goal of the KentuckianaWorks One-Stop Career Center System is to provide the resources you need as you make a successful transition from unemployment to new employment. One of KentuckianaWorks’ services is the Rapid Response Team, which provides early intervention and immediate assistance when employees are being laid off. You will naturally have many questions, and the Rapid Response team will try to answer them at the initial meeting, including providing information about the following: uUnemployment Insurance uJob search uDislocated Worker (Laid-Off Worker) Program uEducational opportunities uHealth coverage and retirement benefits uHealth care options If you haven’t attended a Rapid Response Team meeting and have additional questions, please feel free to contact the resources in this guide for additional information or stop by the nearest KentuckianaWorks One-Stop Career Center for assistance. Find a list of locations by county starting on page 23. “When I was first laid off, I was upset and didn’t think things would go my way. Now I’m excited about graduating from nursing school. KentuckianaWorks helped me pay for tuition, books and scrubs. I want to be able to buy a house and set up a college fund pid Response for my two sons. I’m excited about our future.” Erica Sheffield See page 10 for details about KentuckianaWorks Scholarships. 2 Job Search Services KentuckianaWorks One-Stop Career Centers When you have been laid off, searching for employment should become your full-time job. It’s a process that takes initiative and patience. You can conduct a search from home or come into a KentuckianaWorks One-Stop Career Center for a self-service job search. If these methods do not result in a job, you may be eligible for intensive services. Self-service job search The following services are available to anyone who comes into a KentuckianaWorks One-Stop Career Center to conduct a job search: u Use of the phone and fax machine for contacting potential employers u Use of computers for creating resumes and conducting an online job search u Use of tutorials in typing and Microsoft Office computer programs u Assistance with applying for jobs u Referral to partnering agencies based on individual needs u Access to job-search tips and website listings Intensive services One-on-one assistance includes, but is not limited to, the following services: u Vocational skills and interest assessments u Employment and career counseling u One-on-one resume writing and interviewing assistance Veteran services Rapid Response u Find more information, visit www.kentuckianaworks.org One-Stop Career Center locations listing by county begins on page 23. “When I lost my factory job, I needed to further my skills to get another job. Without KentuckianaWorks, I wouldn’t have more skills and would still be searching for a job. With their assistance, I now have skills, and I am employable.” Roderick Daily, who trained to be a welder Rapid Response at Knight School of Welding through KentuckianaWorks’ dislocated worker program. 3 J o b S e a r c h S e r v ic e s fo r P e op l e wi t h D is a b i l i t i e s Office of Vocational Rehabilitation (OVR) OVR assists Kentuckians with disabilities achieve employment. With the guidance of a professional rehabilitation counselor, each eligible individual develops an individualized plan to secure employment. Available services The plan is developed around the core services of vocational counseling and guidance and may include: u Job development and placement u Vocational training and related services, including on-the-job training and self-employment enterprises u Vocational assessments u Rehabilitation technology u Support services For more information about OVR services, call (800) 456-3334. pid Response OVR’s website is at Eligibility: A person who has a physical or mental impairment that results in a substantial impediment to employment and who can benefit in terms of employment from vocational rehabilitation services may qualify. Eligibility will be determined by a vocational rehabilitation counselor who specializes in counseling, vocational assessment and job placement. www.ovr.ky.gov OVR office locations listing by county begins on page 23. Office for the Blind (OFB) OFB provides services to people who are blind or visually impaired so that they may become more independent and productive in the workplace, community, school and home. Services include: u Medical evaluation and assistance uPersonal counseling and independent skills development u Vocational training, evaluation and job placement u Job retention services u Technical equipment and devices For more information about OFB services, call (800) 321-6668. pid Response OFB’s website is at www.blind.ky.gov OFB office locations listing by county begins on page 23. Eligibility: If your visual disability substantially limits you in the workplace or makes it difficult to perform basic household tasks, you may qualify for OFB services. 4 Job Search Services Center for Accessible Living The Center for Accessible Living provides free employment services for anyone with a disability. Experienced staff assist job seekers with: u Resume, cover letter and application assistance u Interviewing skills u Career development and career changes Eligibility: If you answer yes to any of the following, you qualify for the Center’s free employment services specialized to your needs: Do you receive Social Security Disability (SSI or SSDI)? u Job leads and placement u Job retention assistance u Accommodations assistance Do you have a disability? Do you have a medical condition or health issue? For more information about the Center’s services, contact staff at (502) 589-6620 (voice) or (502) 589-3980 (TTY). The Center’s website is at www.calky.org/employment.html The Center is located at 305 West Broadway, Suite 200, Louisville. Rapid Response “After being laid off, I was drawing unemployment and looking for a job, but I needed a viable skill in the workforce. So I’m majoring in medical billing and coding. Without the KentuckianaWorks funding, I could not go to school. The program has meant everything to me.” Maryella Gibson-Davis, who plans to work in a hospital or doctor’s billing office. 5 “Going back to school, proving to myself that I could go back after 30 years, and not only did I go back, I had a 4.0. So, that made it even better. I showed everybody I could do it. It’s given me self-confidence. I’ve got a good job now. I’m self-supporting.” Sheila Pry, a laid-off factory worker, earned an associate’s degree in medical assisting and now works in a doctor’s office as a certified medical assistant. J o b S e a r c h S e r v ic e s fo r P e op l e 50+ AARP Foundation Services AARP (formerly known as the American Association of Retired Persons) is a nonprofit membership organization for people age 50 and over that offers information and advocacy for older workers. The AARP Foundation is AARP’s affiliated 501(c)3. Direct job assistance is provided through the following specific AARP Foundation programs: WorkSearch This is a customized system that provides a variety of services at no cost. These services include skills assessments, online courses to improve skills and a personalized list of job matches. Senior Community Service Employment Program (SCSEP) If eligible, WorkSearch participants can enroll in the Senior Community Service Employment Program (SCSEP), which serves low-income individuals 55 and over. SCSEP participants are placed in temporary assignments with nonprofit or government organizations, where they have an opportunity to sharpen and develop skills while searching for a permanent job. For more information about these services in Jefferson County, call (502) 584-0309. For more information about AARP in Kentucky, call (866) 295-7275. AARP offers helpful information and tips on financial and health issues, job search and emotional support at www.aarp.org/jobtips AARP job-search resources for Kentucky are available at www.aarp.org/kyjobs 6 Job Search Services “Trying to find a job was a challenge – it’s a tough job market. I really didn’t have a choice but to go back to school. Now, I can’t think of anything better than to get in a field where I could help people. I want to work with the Veteran’s Administration at one of their clinics.” William Gesell, After years working in manufacturing, William was laid off from a machinist job. The U.S. Army veteran is majoring in clinical assisting with limited medical radiography. J o b S e a r c h S e r v ic e s fo r V e t e r a n s Office for Employment and Training (OET) OET has local veterans employment representatives and disabled veterans outreach specialists to assist veterans with their employment and training needs. Assistance is focused on improving the veteran’s employability and career options. The following websites provide information about services for veterans: Office for Employment and Training Find veterans services for job placement, returning to work. www.oet.ky.gov/des/veteran/veteran.htm Vet Success Access re-employment, vocational rehabilitation services for veterans. www.vetsuccess.gov U.S. Office of Personnel Management Search for federal job opportunities for disabled vets. Rapid Response www.fedshirevets.gov Hire Vets First Veterans employment and training service. Rapid Response www.dol.gov/vets OET office locations providing veterans services listing by county begins on page 23. Job Search Tips Whether you’re conducting a job search from home or with the help of KentuckianaWorks One-Stop Career Center staff, it’s important to have a plan and to go about your job search in an organized way. Today’s successful job seekers use a variety of strategies to land their next job. The information below is intended to provide general job search tips to start your effort toward a productive job search. g e n e r a l jo b - s e a r c h t ips Be prepared. Have an up-to-date resume and a list of references. Customize your resume to the job opening. Use a professional sounding e-mail address on your contact information. Use your network. Many job openings aren’t advertised. Tell everyone you know that you are looking for work. Network with previous co-workers, managers and peers who may be knowledgeable about job openings. Don’t forget to also talk with friends, relatives and neighbors about possible job openings. Ask if they can help. Attend job fairs. Connect to area employers and see what opportunities are out there. This allows you to meet face-to-face with multiple employers. Make sure you take a supply of professional, error-free resumes. Maximize your interview. Research the company and practice interview questions in advance. Be on time for the interview. Dress appropriately and follow-up with a thank you note after the interview. Find meaningful work. Explore your passion, identify a direction, and then match your interests with high-demand careers. Find salary and projected job growth trends for occupations in the Greater Louisville area on the Kentuckiana Occupational Outlook page at www.kentuckianaworks.org. Stay positive. Job searching is never easy and it’s even harder when the job market is difficult. Treat it like a full time job, but also take time to rest, exercise and take care of your health. O NL I NE J O B S EAR C H AN D RE S O U R C E S In today’s job market, it’s essential that you use the Internet to search for jobs and to post your resume online so that prospective employers can find you. In our current economy, many companies rely on online job-search sites to fill positions. Also, visit the websites of specific companies and organizations you are interested in to look for online postings of their current vacancies. A list of online job sites can be found on pages 8 and 9. Build Your Skills: A Job Hunter’s Guide to Success Build Your Skills: A Job Hunter’s Guide to Success was a day-long event held by Congressman John Yarmuth (KY-3) to help job seekers in Louisville improve their job-hunting techniques, learn tips on how to change careers, and find resources to improve job skills and gain training for future advancement. You can see portions of the event, hosted by Jean West, online at http://yarmuth.house.gov/index.cfm?sectionid=158 &sectiontree=2,158&itemid=646. A copy of the 116-page presentation used during the event is also on the website for viewing or downloading. Job Jam online resources Job Jam is a seminar created for people who are out of work and looking for ways to jump start their job search. You can watch Job Jam seminar videos online at www.ket.org/jobjam/ and learn about writing resumes, managing your money and mortgage, health insurance, mental health, educational opportunities and keeping the faith. This resource-rich site also provides downloadable documents on the same topics. 7 8 Job Search Tips The following is a selection of online job sites that may be helpful as part of your job-search efforts. Kix.com Links job seekers to employment opportunities, employers to the region’s best talent and prospective students to the training and education they need to fill higher-skilled jobs. www.kix.com Louisville Works Find Louisville area jobs. www.louisvilleworks.com CREW Career Center Link to individual Louisville businesses, plus many specialized job search sites. www.crew.cc/careerlinks.aspx#resources CREW Career Center Find Louisville job openings in healthcare. www.crew.cc/healthcareopp.aspx EmployKy Search current Kentucky and national job openings, post resume. https://selfreg.ky.gov/ Kentucky state government job openings Find state government jobs in Louisville area, statewide. http://personnel.ky.gov/employment/ KYREAP Search for teaching and school administration positions. www.kyreap.net/ USA Jobs Search for federal job opportunities. Rapid Response http://usajobs.opm.gov/ Senior Community Services Employment Program (SCSEP) Employment assistance and training programs for low-income job seekers 55 and older For Bullitt County www.experienceworks.org/site/PageServer?pagename=State_Kentucky_ Home 9 AARP Resources Find job-search resources and websites for older workers. www.aarp.org/jobtips www.aarp.org/kyjobs www.aarpworksearch.org Kentucky Health Careers Search for healthcare jobs by keyword, location, type and salary. www.kyhealthcareers.com Career Builder Search jobs, post resume, find career resources. www.careerbuilder.com Monster.com Search jobs, get career advice, post resume. www.monster.com flipdog.com Search jobs by city, state, category. www.flipdog.com Jobs.com Search for jobs internationally. www.jobs.com iHispano.com Job search, networking for Latino community www.ihispano.com “KentuckianaWorks helped put me through school, which I couldn’t afford. They even gave me the choice of picking out what I wanted to do. I’ve bought a house, I’ve bought a motorcycle. Child support is paid. I don’t have everything I want, but I have everything I need. I’m a whole lot better off today than I was before.” Jeffrey Bassett, laid-off worker JobLINK Search jobs, find featured jobs, get search advice. www.wave3.com/Global/category.asp?C=12225 JobNews Search jobs, find resume assistance. http://louisville.jobnewsusa.com/ who trained and earned a CDL license through a KentuckianaWorks’ program, is now an over-the-road truck driver. 10 Job Training Assistance for Laid-Off Workers KentuckianaWorks One-Stop Career Centers The primary goal of the Workforce Investment Act Dislocated Worker Program is filling critical skill shortages and helping people return to employment as quickly as possible. KentuckianaWorks One-Stop Career Center services include one-on-one career counseling; job search and placement assistance; job postings; computer, phone and fax access for job search; online job sites; help with resume writing and job interviewing, and much more. Free career training If you have been laid off, unable to find work and are interested in training for a high-demand career, financial assistance may be available through KentuckianaWorks Scholarships to pay for your educational training. If you are eligible, KentuckianaWorks can provide up to $4,000 for tuition and $600 for books and other supportive services per year, for up to two years. There are many job-training choices in high-growth careers, such as: u Healthcare u Business u Information Technology u Skilled Trades u Education u Construction u Advanced Manufacturing u Transportation u Social and Human Services If you’re interested in jobs in one of these career clusters or another in-demand job-training program that’s not listed, come in to the nearest KentuckianaWorks One-Stop Career Center to see if it qualifies for career training assistance. Find a list of office locations by county starting on page 23. Supportive services Eligible participants may access services to assist with costs involved in returning to work as quickly as possible. Services may include, but are not limited to, the following: u Transportation assistance for job search u Uniforms or clothing needed for a job u Licensure and exam fees for high-demand occupations u Costs associated with transferring or obtaining professional certifications u Short-term childcare u Tools or gear required for work For more information, visit www.kentuckianaworks.org Rapid Response Rapid Response To determine your eligibility and register for the Dislocated Worker Program, visit any KentuckianaWorks One-Stop Career Center. One-Stop Career Center locations listing by county begins on page 23. Educational Opportunities 11 Many dislocated workers who did not finish their education find that a layoff can be a turning point in their lives, creating new motivation for earning a GED, improving skills, accessing training or finishing a college degree. As a dislocated worker, you may be eligible for funding to pay for job training (see page 10). To find out if you’re eligible, visit a One-Stop Career Center. pid Response One-Stop Career Center locations listing by county begins on page 23. Kentucky Adult Education (KYAE) for GED and skills updates KYAE adult education centers in every Kentucky county provide free services for earning a GED and brushing up on reading, writing and math skills. Instructors at the adult education centers will assess your current skills and design a program of study to help you achieve your individual academic goals with the ultimate objective of better preparing you for employment and/or college. In addition, KYAE centers can assist you with earning a Kentucky Employability Certificate, a credential that certifies to employers you have skills in reading, applied math and locating information. Many KYAE centers also offer free English instruction for non-native English speakers. pid Response For more information, visit www.kyae.ky.gov KYAE center locations listing by county begins on page 23. “You have to work hard to get somewhere in life, and it’s never too late to do it!” “Try and see where it takes you because I guarantee it’s a road better than what you’re on now. Guaranteed.” Amanda GED graduate JCPS Adult Education Marquetta GED graduate JCPS Adult Education 12 Educational Opportunities Colleges, universities, technical schools, training programs Numerous colleges, universities, technical schools and training programs are available in the Greater Louisville area. Below is a list of Web sites offering information about applying for and financing college or technical training. It is followed by a list of colleges, universities and technical schools in the area. Assistance for choosing, applying for and funding college KentuckianaWorks College Access Center The KentuckianaWorks College Access Center (KCAC) offers free help with planning and paying for college for adults and youth in the Louisville area and in southern Indiana. KCAC college counselors offer one-on-one guidance to help make getting into college as simple as possible. KCAC is located at 200 W. Broadway, 7th floor, Louisville, KY 40202. For appointments and walk-in hours, call (502) 584-0475. The Indiana office of KCAC is located at the Education Support Center, 2801 Grant Line Rd., New Albany, IN 47150. Call (812) 542-4780 for appointments and walk-in hours. A KCAC counselor also has weekly office hours at the KentuckianaWorks One-Stop Career Center in Bullitt County. The center is located at 505 Buffalo Run Rd., Suite 100, Shepherdsville, KY 40165. Call (502) 955-9131 for day and time the counselor will be at the office. www.mykcac.org Graduate! Greater Louisville Connect with education from GED to PhD; search for college internships www.graduategreaterlouisville.com Know How to Go The four steps to college for youth and adults; tips for college, including financial aid www.knowhow2goky.org/index.php Know How to Go (en Español) The four steps to college for youth and adults; tips for college, including financial aid www.knowhow2goky.org/mentors/es.php Rapid Response GoHigherKy Multiple financial aid, grant and scholarship options www.gohigherky.org/FinAid/ FAFSA (Free Application for Federal Student Aid) Apply for federal student aid www.fafsa.ed.gov 13 Scholarship search www.gohigherky.org/FinAid/Scholarship_Search/ Metropolitan College Tuition-free education and employment to eligible Kentuckians www.metro-college.com Office of Vocational Rehabilitation Assistance with education and employment for people with disabilities www.ovr.ky.gov Office of the Blind Assistance with education and employment for people with visual impairments www.blind.ky.gov Americorps Gain skills and money for college while serving the community. www.americorps.gov Today’s Military Learn about the benefits and opportunities of military service. www.todaysmilitary.com “Before school, I didn’t have any goals. I finally realized that I didn’t want to work 40 hours per week only making minimum wage. I would recommend the KentuckianaWorks College Access Center to anyone as they can help you get into college and pursue your dreams. The hardest thing is picking up the phone.” Alan Jimenez, KCAC customer J.B. Speed School of Engineering, University of Louisville 14 Educational Opportunities Colleges, universities and technical schools in the Greater Louisville area ATA Career Education www.ata.edu Bellarmine University www.bellarmine.edu Brown Mackie College www.brownmackie.edu/Louisville Campbellsville University, Louisville www.campbellsville.edu/louisville Daymar College www.daymarcollege.edu ITT Technical Institute www.itt-tech.edu/campus Ivy Tech Community College www.ivytech.edu/sellersburg Jefferson Community and Technical College www.jefferson.kctcs.edu Kentuckiana Metroversity www.metroversity.org Kentucky Community and Technical College System (KCTCS) www.kctcs.edu DeVry University, Louisville www.devry.edu/locations/ campuses/loc_louisville.jsp Elizabethtown Community and Technical College www.elizabethtown.kctcs.edu Embry-Riddle Aeronautical http://fusion.erau.edu/ec/wwc/ centerinfo.cfm?CODE=07 Galen College of Nursing, Louisville campus www.galencollege.edu/louisville Hanover College www.hanover.edu Rapid Response Indiana University Southeast www.ius.edu Indiana Wesleyan University http://www.caps.indwes.edu Kentucky Virtual Campus www.kyvu.org Knight Technology and Welding School www.knightschoolofwelding.com Louisville Bible College www.louisvillebiblecollege.org Louisville Presbyterian Theological Seminary www.lpts.edu McConnell Technology and Training Center www.mttc.org McKendree University www.ky.mckendree.edu Metropolitan College www.metro-college.com 15 National Business College www.ncbt.edu/locations/louisville/index.htm New Horizons Computer Learning Centers www.nhcomputerlearning.com Northwood University www.northwood.edu/adults/ locations/kentucky-louisville Ottawa University www.ottawa.edu Sullivan University www.sullivan.edu University of Louisville http://louisville.edu University of Phoenix www.phoenix.edu/campus-locations/ky/ louisville-campus/louisville-campus Webster University www.webster.edu/louisville Portland Christian School of Biblical Studies http://www.uscollegesearch.org/portlandchristian-school-of-biblical-studies.html Other public universities in Kentucky Eastern Kentucky University Purdue University College of Technology www.tech.purdue.edu/newalbany Simmons College www.eku.edu Kentucky State University www.kysu.edu www.simmonscollegeky.edu Morehead State University Southern Baptist Theological Seminary www.moreheadstate.edu www.sbts.edu Murray State University Spalding University www.murraystate.edu www.spalding.edu Northern Kentucky University Spencerian College www.nku.edu www.spencerian.edu/louisville/index.asp University of Kentucky St. Catherine College www.uky.edu www.sccky.edu Western Kentucky University Strayer University www.strayer.edu/louisville Sullivan College of Technology and Design www.sctd.edu www.wku.edu 16 Unemployment Insurance and Other Financial Assistance Office of Employment and Training (OET) You have several options for filing an unemployment insurance claim: u File online. You can file your Kentucky Unemployment Insurance claim at your convenience by using the Internet. If you have all the necessary information, which is summarized below, you can file at www.kewes.ky.gov from any computer with Internet access. u File at an OET office. If you choose to file your Unemployment Insurance claim from a local OET office, One-Stop Career Center customer service representatives are available to help you. Again, you will need the information summarized below. The three locations for filing an unemployment insurance claim in the Greater Louisville area are: n 600 West Cedar Street, Louisville, (502) 595-0099, (502) 595-4003 n 6201 G Preston Highway, Louisville, (502) 595-4150 n 31 Mt. Rushmore, Shelbyville, (502) 633-5083, (502) 633-5045 u File by phone. If you have all the information below and a touch-tone telephone, you can also file your Unemployment Insurance claim by phone between 7:30 a.m. - 5:30 p.m. Eastern Time. The number is (502) 875-0442. This is not a toll-free number. Necessary information for filing a claim: u Your Social Security Number u Your complete mailing address u Your most recent employers’ business names, complete mailing addresses and phone numbers (for the past 18 months) u The exact month, day and year that you began work for each of your recent employers (for the past 18 months) u The exact month, day and year that you last worked for each of your recent employers (for the past 18 months) u Your PIN (if you filed an unemployment claim in the last 10 years) u Your direct deposit information (bank routing number along with checking or savings account number) Continuing your Unemployment Insurance Once you begin receiving Unemployment Insurance benefits, you are required to periodically request a check. This can be done in two ways: u Request a check online. The Internet provides a fast and easy way to request a check. The address is www.kewes.ky.gov. This option is available 7 a.m. - 7 p.m. Eastern Time on Monday through Friday. It is available 2 p.m. - 9 p.m. Eastern Time on Sunday. u Request a check by phone. Call (866) 291-2926. This option is available 7 a.m. - 7 p.m. Eastern Time on Monday through Friday. It is available 2 p.m. - 9 p.m. Eastern Time on Sunday. Rapid Response Rapid Response For more information, visit www.oet.ky.gov OET office locations listing by county begins on page 23. 17 “Before KentuckianaWorks, I was in a dead-end position. They were laying off, so I was unemployed for about three months. Then I decided to go to school. I recently got my associate degree in accounting and started applying for higher positions. About my second interview, I got a job. We recently bought a house, so it just opens up a lot more opportunities within the family.” Ebony Calloway, bank customer service representative She went back to school to earn her associate’s degree in accounting and is now pursuing her bachelor’s degree. Other Financial Assistance The Commonwealth of Kentucky has created a website providing information to Kentuckians in need of financial assistance. At www.assistance.ky.gov, you can find information about: u Kentucky Transitional Assistance Program u Women, Infants and Children food program u Food stamps u Assistance for military families u Tax credits u Medical care u Mortgage assistance u Help with utility bills u Job search u Transportation assistance For more information, visit www.assistance.ky.gov 18 Health Coverage and Retirement Benefits U.S. Department of Labor Employee Benefits Security Administration (EBSA) When facing job loss or a reduction in hours, employees need to know their options ahead of time to prevent loss of health coverage. There may be several options open to individuals who are losing their health coverage when they are laid off from their jobs. The options are summarized below. Special enrollment in another group plan If other group health coverage is available to you (most often through a spouse’s employer-provided plan), special enrollment in that plan should be considered. It allows the individual and family an opportunity to enroll in a plan for which they are otherwise eligible, regardless of enrollment periods. However, to qualify, enrollment must be requested within 30 days of losing eligibility for other coverage. After special enrollment is requested, coverage is required to be made effective no later than the first day of the first month following your request for enrollment. This type of coverage is usually the most cost-effective of all the options. COBRA – Continuing in your old health plan The Consolidated Omnibus Budget Reconciliation Act of 1986 – also known as COBRA – can help former employees and their families continue their health care coverage. If you were laid off, if you quit your job or retired, or if your hours were reduced, you may qualify. (You will not qualify, however, if you were laid off for gross misconduct.) Your employer must have had 20 or more employees, you must have been a participant in your employer’s group health plan, and your employer must continue to maintain a health plan. Once your job ends, your plan must provide you with written notice explaining your rights under COBRA. You have 60 days from the date the notice is provided or from the date coverage ended – whichever is later – to sign up for (or elect) COBRA coverage. It begins the day your health care coverage ended and lasts up to 18 months (and longer in some cases). However, you may pay the entire group rate premium, plus a 2 percent administrative fee. The American Recovery and Reinvestment Act (ARRA) provided a COBRA premium reduction for eligible individuals who were involuntarily terminated from employment from Sept. 1, 2008, through the end of May 2010. Due to the statutory sunset, the COBRA premium reduction under ARRA is not available for individuals who experience involuntary terminations after May 31, 2010. However, individuals who qualified on or before May 31, 2010, may continue to pay reduced premiums for up to 15 months, as long as they are not eligible for another group health plan or Medicare. Rapid Response NOTE: COBRA can be very specific and time sensitive. You may wish to speak with an Employee Benefits Security Administration Benefits Advisor at (866) 444-3272 if you have questions. Health coverage through a government program Health coverage may be available to certain qualified individuals through the state or federal government. Information on government programs, such as Medicaid (for low-income and individuals with special needs), state health insurance for children of qualified families, Medicare (for people age 65 and over and certain people who are disabled or have end-stage renal disease), is available through the Kentucky Department of Medicaid Services (see listings by county beginning on page 23) or the U.S. Department of Health and Human Services, Centers for Medicare and Medicaid Services at (800)-MEDICARE. 19 Private, individual health insurance Another option to consider is private, individual health coverage. The cost of individual coverage may be higher than similar coverage under a group health plan obtained through special enrollment in another group plan or COBRA. The Health Insurance Portability and Accountability Act (HIPAA) gives individuals who are losing group health coverage and who have at least 18 months of creditable coverage without a break in coverage of 63 days or more the right to buy individual health insurance coverage that does not impose a pre-existing condition exclusion period. For this purpose, most health coverage, including COBRA continuation coverage, is creditable coverage. These special rights may not be available to you if you do not elect and receive COBRA continuation coverage. More information on individual health coverage is available from the Department of Health and Human Services, Centers for Medicare and Medicaid Services at (410) 786-1565 or www.cms.gov. Know Your Retirement Plan – ERISA The Employee Retirement Income Security Act of 1974 (ERISA) provides guidance for employers who have retirement plans and gives you specific rights to request a copy of your plan’s Summary Plan Description (SPD) and ask for an individual benefit statement. The SPD tells you if and when you can collect your benefits or how to roll over your 401(k) account to a new employer’s plan or to an IRA (if your old plan permits you to do so). The individual benefits statement lets you monitor your account balance and is an important statement to keep on file. FREE publications The free publications listed below provide more information about options for coverage. They are available at www.askebsa.dol.gov or by calling EBSA’s toll-free number at (866) 444-EBSA (3272) to receive copies. Retirement and Health Care Coverage … Questions and Answers for Dislocated Workers Your Health Plan and HIPAA … Making the Law Work for You An Employee’s Guide to Health Benefits under COBRA, The Consolidated Omnibus Budget Reconciliation Act of 1986 IRS Notice 98-12: Should I Elect COBRA Health Care Continuation Coverage? What You Should Know About Your Retirement Plan If you have questions about your rights and responsibilities under COBRA, HIPAA and ERISA, call (866) 444-3272 and ask for a benefits advisor. 20 Health Care Options Kentucky Department of Medicaid Services Medical Program The Medicaid medical assistance program is for families and individuals who have income and resources within the established guidelines. To determine eligibility and apply, individuals must visit a local Department for Community-Based Services office. Rapid Response For more information, visit www.chfs.ky.gov/dms Department for Community-Based Services office locations listing by county begins on page 23. KCHIP Parents may consider the Kentucky Children’s Health Insurance Program (KCHIP) for free or low-cost health insurance for children. KCHIP is for children under the age of 19 who do not have health insurance and whose family income is below 200 percent of the federal poverty level. For example, a family of four can earn up to $42,400. There are two ways to apply: u Download an application at www.kidshealth.ky.gov/en/kchip/apply.htm. The website provides instructions for completing the application and contact information for assistance. Visit your local Department for Community-Based Services office. Rapid Response u For more information about the program, visit www.kidshealth.ky.gov/en Department for Community-Based Services office locations listing by county begins on page 23. Kentucky Department for Public Health Health departments in every Kentucky county provide preventive care for children and adults. Fees are based on a patient’s income, but no one is denied service for inability to pay. Services include, but are not limited to, the following: u Women, Infants and Children (WIC) program for mothers and children up to age 5 u Immunizations u Diabetes screening, education and management u Cardiovascular screening u Cancer screening u Smoking cessation Rapid Response Family planning and birth control Rapid Response u For more information about health department services, visit chfs.ky.gov/dph/default.htm Local health department locations listing by county begins on page 23. 21 Seven Counties Services Seven Counties Services is a comprehensive community mental health center serving the Greater Louisville region. It provides prevention, treatment and support services in the areas of mental health, alcohol and drug use and abuse, and mental retardation and other developmental disabilities. It serves children and adults of all ages. Services include: u Counseling for depression, grief, phobias, stress and anxiety, parenting issues u Family therapy and child and adolescent counseling u Management of severe mental disorders u Acute child psychiatric services u Alcohol and drug abuse education, counseling and intervention u Initial services for adult domestic violence victims with no dependent children u First Step program for children with mental retardation and other developmental disabilities u Employee assistance programs To inquire about services, contact staff at the Access Center at (502) 589-1100 or (800) 264-8799; TDD: (502) 589-4259 or (877) 589-4259. The Access Center’s services include telephone screenings, risk assessment, needs assessment, referral to community resources and/or scheduling intake appointments for Seven Counties programs. Seven Counties also offers a Crisis and Information Center that provides confidential 24-hour, seven-day-a-week telephone crisis services for issues involving mental health, suicide, alcohol and drug use and abuse, and mental retardation and other development disabilities. Information and referral services include assistance in linking callers with resources such as temporary housing, financial help, medical care, counseling, victim assistance, domestic violence resources, suicide prevention and resources for senior citizens. The telephone number is (502) 589-4313 or (800) 221-0446; TDD: (502) 589-4259 or (877) 589-4259. For more information about Seven Counties Services, call (502) 589-1100 or (800) 264-8799; TDD: (502) 589-4259 or (877) 589-4259. pid Response or visit www.sevencounties.org Seven County Services center locations listing by county begins on page 23. For a mental health crisis, 24 hours a day, 7 days a week, call (502) 589-4313 or (800) 221-0446; TDD: (502) 589-4259 or (877) 589-4259. 22 Foreclosure Prevention Louisville Metro Government Home foreclosure is a continuing problem in communities across the nation and in neighborhoods throughout the Louisville area. Louisville Metro Government has partnered with Metro United Way, Kentucky Housing Corporation, Louisville Urban League and Housing Partnership Inc. to connect you with resources, information and assistance to help prevent financial problems and foreclosure. Don’t wait until it’s too late – call your lender or call Metro United Way’s 211 help line. This is the most important step to take if you’re having financial difficulty. Most homeowners facing foreclosure have not reached out to find information and options available to them. Metro United Way’s 211 helpline can connect you with home ownership counselors who can explain options that may be available to help you keep your home and protect your credit. For more information about foreclosure and credit, call the 211 help line or visit www.louisvilleky.gov/foreclosure.htm Kentucky Ownership Protection Center The Kentucky Homeownership Protection Center provides a centralized location for information on public services to assist Kentuckians in keeping their homes. Homeowners can find information on the foreclosure process, utility assistance and home repair assistance to make smart choices and avoid losing their homes. If you are currently delinquent on your home loan, in danger of becoming delinquent or are just starting to have financial problems that may affect your ability to pay your mortgage, do not risk losing your home. Options are available. For more information about your options, call toll-free (866) 830-7868 Rapid Response or visit www.kyhousing.org/protect “I was able to go back to school for my passion. Whereas I used to dread going into work, now I wake up wanting to go into work. It’s the difference between having a job and a career. KentuckianaWorks paid for part of my schooling, which allowed me to use my company’s tuition reimbursement to cover the rest of it.” T. Thomas, webmaster, went back to school using KentuckianaWorks funding to study information technology. pid Response Local Office Locations 23 Bullitt County S e r v ic e s Department for Community-Based Services 445 E. Highway 44 East, Suite 209 Shepherdsville, KY 40165 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP www.kentuckianaworks.org Employment services Services for laid-off workers www.kyae.ky.gov GED Skills upgrades (502) 955-9131 (502) 543-4861 FAX Counselor in office on Tuesday; call for appointment. www.mykcac.org Education and career counseling Assistance in completing and filing FAFSA Counseling to rehabilitate defaulted student loans Internet use for college and scholarship searches Referrals to GED sites, postsecondary institutions (502) 543-2415 (502) 955-7837 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults www.oet.ky.gov Employment services Veteran services (502) 955-8460 (502) 543-6260 FAX www.ovr.ky.gov Services for people with disabilities (502) 543-7033 (502) 955-9605 FAX www.sevencounties.org Mental health services (502) 543-7081 (502) 543-3819 FAX KentuckianaWorks One-Stop Career Center 505 Buffalo Run Road, Suite 100 Shepherdsville, KY 40165 (502) 955-9131 (502) 543-4861 FAX Kentucky Adult Education (KYAE) Bullitt County Adult and Community Education 1470 Highway 44 East Shepherdsville, KY 40165 (502) 543-3769 KentuckianaWorks College Access Center KentuckianaWorks One-Stop Career Center At Bullitt County 505 Buffalo Run Road, Suite 100 Shepherdsville, KY 40165 Local Health Department Bullitt County Health Department 181 Lees Valley Road Shepherdsville, KY 40165 Office of Employment and Training (OET) KentuckianaWorks One-Stop Career Center 505 Buffalo Run Road, Suite 100 Shepherdsville, KY 40165 (502) 955-4031 (502) 957-0436 FAX Office of Vocational Rehabilitation (OVR) KentuckianaWorks One-Stop Career Center 505 Buffalo Run Road, Suite 100 Shepherdsville, KY 40165 Seven Counties Services 130 Vine Street Shepherdsville, KY 40165 Rapid Response 24 Local Office Locations Henry County S e r v ic e s Department for Community-Based Services 1427 Campbellsburg Road New Castle, KY 40050 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP (502) 845-0307 www.kyae.ky.gov GED Skills upgrades (502) 845-2882 (502) 845-7997 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 589-0625 (502) 845-7665 FAX www.sevencounties.org Mental health services (502) 845-2110 (502) 845-1856 FAX Kentucky Adult Education (KYAE) Henry County Adult Education 110 South Property Road New Castle, KY 40050 Local Health Department Henry County Health Department 125 North Property Road New Castle, KY 40050 Seven Counties Services Rapid Response 147 East Broadway Eminence, KY 40019 Jefferson County S e r v ic e s Department for Community-Based Services 908 West Broadway L&N Building Louisville, KY 40203 (502) 595-4238 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP www.mykcac.org Education and career counseling Assistance in completing and filing FAFSA Counseling to rehabilitate defaulted student loans Internet use for college and scholarship searches Referrals to GED sites, postsecondary institutions www.kentuckianaworks.org Career counseling Job postings Job search Job training for eligible individuals Resume writing Services for laid-off workers KentuckianaWorks College Access Center Jefferson Education Center (JEC) 200 West Broadway, 7th Floor Louisville, KY 40202 (502) 584-0475 (502) 582-9781 FAX KentuckianaWorks One-Stop Career Center Rapid Response M e t r o Lo u i s v i ll e D o w n t o w n KentuckianaWorks One-Stop Career Center at OET 600 West Cedar Street Louisville, KY 40202 (502) 595-4131 (502) 595-4623 FAX KentuckianaWorks One-Stop Career Center at Metropolitan College, CREW Center Jefferson Education Center 200 West Broadway, 9th floor Louisville, KY 40202 (502) 213-4520 (502) 213-4523 FAX M e t r o Lo u i s v i ll e WEST KentuckianaWorks One-Stop Career Center at the Nia Center 2900 West Broadway, Suite 100 Louisville, KY 40211 (502) 574-4100 (502) 574-1197 FAX Jefferson County, KentuckianWorks One-Stop Career Center continues on next page. pid Response 25 Jefferson County (cont.) S e r v ic e s KentuckianaWorks One-Stop Career Center (cont.) M e t r o Lo u i s v i ll e E A ST KentuckianaWorks One-Stop Career Center at Jeffersontown 3603 College Drive Jeffersontown, KY 40299 (502) 267-2334 (502) 267-6127 FAX KentuckianaWorks One-Stop Career Center at Jewish Family and Career Service 2821 Klempner Way Louisville, KY 40205 (502) 322-1937 (502) 452-6718 FAX www.kentuckianaworks.org Career counseling Job postings Job search Job training for eligible individuals Resume writing Services for laid-off workers www.kyae.ky.gov GED, Skills upgrades www.workforcetraining4u.com GED Skills upgrades M e t r o Lo u i s v i ll e SOUT H WEST KentuckianaWorks One-Stop Career Center at Riverport 6900 Riverport Drive, Suite B Louisville, KY 40258 (502) 933-3045 (502) 933-3047 FAX Kentucky Adult Education (KYAE) Kentucky Adult Education (KYAE) Jefferson County Adult and Continuing Education (502) 485-3400 Ahrens Learning Resource Center 546 South First Street Louisville, KY 40202 (502) 485-3400 Americana Learning Center 4801 Southside Drive Louisville, KY 40214 (502) 485-7900 DuValle Learning Center 3610 Bohne Avenue Louisville, KY 40211 (502) 485-8735 Nia Learning Center 2900 West Broadway Louisville, KY 40211 (502) 574-1174 Offering locations throughout the community Local Health Department Louisville Metro Health Department 400 East Gray Street Louisville, KY 40202 (502) 574-6530 (502) 574-6588 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 429-4460 (800) 346-2115 (502) 429-7110 FAX www.blind.ky.gov Services for people who are blind or visually impaired www.oet.ky.gov Employment services Unemployment insurance Trade services Veteran services Office for the Blind (OFB) Charles W. McDowell Center 8412 Westport Road Louisville, KY 40242 Office of Employment and Training (OET) KentuckianaWorks One-Stop Career Center at OET 600 West Cedar Street Louisville, KY 40202 (502) 595-4003 (502) 595-0099 (502) 595-4766 (Veteran services) (502) 595-4623 FAX Jefferson County, Office of Employment and Training (OET) continues on next page. Rapid Response 26 Local Office Locations Jefferson County (cont.) S e r v ic e s Office of Employment and Training (OET) (cont.) www.oet.ky.gov KentuckianaWorks One-Stop Career Center at NIA Center 2900 West Broadway, Suite 100 Louisville, KY 40211 (502) 574-4100 (502) 574-1197 FAX KentuckianaWorks One-Stop Career Center at Riverport 6900 Riverport Drive, Suite B Louisville, KY 40258 (502) 933-3045 (502) 933-3047 FAX Veteran services 6201 G Preston Highway Louisville, KY 40219 (502) 595-4188 (502) 595-4187 (502) 595-4349 FAX Employment services Unemployment insurance Trade services Veteran services VA DuPont Clinic Professional Towers – Mental Health Clinic 4010 Dupont Circle, Suite 100 Louisville, KY 40207 (502) 287-6986 Veteran services Veterans Center 1347 South Third Street Louisville, KY 40208 (502) 634-1916 (502) 625-7082 FAX VA Medical Center 800 Zorn Avenue Louisville, KY 40206 (502) 287-4000 (Veteran services) Employment services Office of Vocational Rehabilitation (OVR) 600 West Cedar Street, Suite 2 East Louisville, KY 40202 (502) 595-4173 (800) 456-3334 (502) 595-2348 FAX Nia Center 2900 West Broadway, Suite 100 Louisville, KY 40211 (502) 574-4100 (502) 574-1197 FAX 200 Juneau Drive, #2 Louisville, KY 40243 (502) 254-3195 (866) 304-1958 (502) 245-4804 FAX 3934 Dixie Highway, #520 Louisville, KY 40216 (502) 449-1456 (502) 448-7641 FAX (502) 449-1452 FAX Our Lady of Peace 2020 Newburg Road Louisville, KY 40205 (502) 479-4674 (502) 479-4673 (502) 458-3661 FAX www.ovr.ky.gov Services for people with disabilities www.sevencounties.org Mental health services Rapid Response Seven Counties Services 2225 West Broadway Louisville, KY 40211 (502) 589-8910 (502) 772-2084 FAX 1512 Crums Lane Louisville, KY 40216 (502) 589-8920 (502) 447-1967 FAX 4400 Breckenridge Lane Louisville, KY 40218 (502) 495-7805 (502) 495-7814 FAX pid Response 27 Oldham County S e r v ic e s Department for Community-Based Services 2206 Commerce Parkway, Suite C LaGrange, KY 40031 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP (502) 241-6018 www.kyae.ky.gov GED Skills upgrades (502) 222-3516 (502) 222-0816 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 222-7210 (502) 222-5302 FAX www.sevencounties.org Mental health services (502) 222-9191 (502) 222-5813 FAX Kentucky Adult Education (KYAE) Oldham County Adult Education 7105 Floydsburg Road Crestwood, KY 40014 Local Health Department Oldham County Health Department 1786 Commerce Parkway LaGrange, KY 40031 Seven Counties Services 230 Yager Avenue LaGrange, KY 40031 pid Response Shelby County S e r v ic e s Department for Community-Based Services 31 Mt. Rushmore Court Shelbyville, KY 40065 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP www.kentuckianaworks.org Services for laid-off workers (502) 633-5524 EXT 33643 www.kyae.ky.gov GED Skills upgrades (502) 633-1231 (502) 633-7814 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 633-3530 (502) 633-3476 FAX KentuckianaWorks One-Stop Career Center KentuckianaWorks One-Stop Career Center at JCTC, Shelby County Campus 1361 Frankfort Road Shelbyville, KY 40065 (502) 213-3612 (502) 633-5572 FAX Kentucky Adult Education (KYAE) Shelby County Adult Education at JCTC, Shelby County Campus 1361 Frankfort Road Shelbyville, KY 40065 Local Health Department Shelby County Health Department 615 11th Street Shelbyville, KY 40065 Shelby County continues on next page. Rapid Response 28 Local Office Locations Shelby County (cont.) S e r v ic e s Office of Employment and Training (OET) 31 Mt. Rushmore Court Shelbyville, KY 40065 (502) 633-5045 (502) 633-5083 (502) 633-1453 FAX www.oet.ky.gov Employment services Trade services Unemployment insurance Veteran services (502) 633-5683 (502) 633-6203 FAX www.sevencounties.org Mental health services Seven Counties Services 250 Alpine Drive Shelbyville, KY 40065 Rapid Response Spencer County S e r v ic e s Department for Community-Based Services 73 East Main Street Taylorsville, KY 40071 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP (502) 477-3265 www.kyae.ky.gov GED Skills upgrades (502) 477-8146 (502) 477-5624 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 477-1984 (877) 610-4016 (502) 477-1883 FAX www.ovr.ky.gov Services for people with disabilities (502) 477-2577 (502) 477-5150 FAX www.sevencounties.org Mental health services (502) 477-2224 (502) 477-5679 FAX Kentucky Adult Education (KYAE) Spencer County Adult Education 406 Main Cross Street Taylorsville, KY 40071 Local Health Department Spencer County Health Department 88 Spears Drive Taylorsville, KY 40071 Office of Vocational Rehabilitation (OVR) 80 East Main Street Taylorsville, KY 40071 Seven Counties Services Rapid Response 73 East Main Street Taylorsville, KY 40071 Workforce Investment Act funding is provided by the U.S. Department of Labor through the Kentucky Education and Workforce Development Cabinet and administered by KentuckianaWorks, Greater Louisville’s Workforce Investment Board. An agency of Louisville Metro Government, KentuckianaWorks is an Equal Opportunity Employer. Auxiliary aids and services are available upon request to individuals with disabilities. pid Response 29 Trimble County S e r v ic e s Department for Community-Based Services 37 Alexander Avenue Bedford Professional Building Bedford, KY 40006 www.chfs.ky.gov/dms www.kidshealth.ky.gov/en Medicaid KCHIP (502) 732-7102 www.kyae.ky.gov GED Skills upgrades (502) 255-7701 (502) 255-3760 FAX www.chfs.ky.gov/dph/default.htm Preventive care for children and adults (502) 255-3258 (502) 255-3034 FAX www.sevencounties.org Mental health services (502) 255-3278 (502) 255-4609 FAX Kentucky Adult Education (KYAE) Trimble County Adult Education, JCTC 324 Main Street Carrollton, KY 41008 Local Health Department Trimble County Health Department 138 Miller Lane Bedford, KY 40006 Seven Counties Services 46 Church Street Bedford, KY 40006 Anthony Barbee Louisville Radiologic Technologist Associate Program Kevin Knierieum Mt. Washington Radiologic Technologist Associate Program Martin Frakes Taylorsville Radiologic Technologist Associate Program This job training is funded by KentuckianaWorks Scholarships for laid-off workers. Rapid Response A Resource Guide for Workers Facing Layoffs p3 I have a disability. Is there help to get me back into the workforce? p5 What services are available for people older than 50? p6 I served in the military. How can I find services for veterans? p7 Is there online help for doing a job search? p17 Is there financial help other than unemployment? p 23 Can I find help in my county?