For many of us retirement does not occur on the date that we have planned for over several years. Sometimes we are involuntarily pushed into retirement by organizational changes, recessions, or management decisions (possibly motivated by ageism). One feature of the overlapping social safety nets in the US is that we can usually collect state unemployment insurance benefits at the same time we collect ‘retirement’ Social Security benefits from the Federal government.
This makes sense since, after Full Retirement Age, you can work and collect your full Social Security benefit without your earnings reducing that benefit. You may be receiving ‘retirement’ Social Security, but if you’re looking for work, then you’re unemployed.
Few states offset unemployment payments
Almost all states allow you to collect full unemployment benefits at the same time that you receive Social Security retirement benefits. Business interests in some states have encouraged state legislatures to cut (offset) unemployment benefits to someone who also receives Social Security benefits. This usually occurs during recessions when businesses see their unemployment insurance premiums increase after they have laid off employees. While businesses and people struggle during a down economy, you can expect to hear bluster about “double dipping.”
Since the end of the 2008 recession the trend has been for states to abandon Social Security offsets:
However, in the past states have “fixed” budget deficits and placated business interests by reducing unemployment payments to people who also collect Social Security. Check your state’s current rules, particularly during a recession. If you search the internet for <your state’s name> unemployment social security, the search results should provide the information that you need. Look for a link to something like <your state’s name> Unemployment Insurance Benefits Handbook.
Note on Income Redistribution
If you're a conservative, you may refuse to accept income redistributed by government under any circumstances. If so, offsets to either Social Security or unemployment ‘entitlements’ wouldn't affect you.
On my old Win7 laptop I installed the venerable FTP utility WS_FTP. Now that I’ve replaced the laptop with an iMac – iPad Air 2 – iPhone 6s set up, I needed a new FTP application. (Google Search Console required some gyrations to verify me as the “owner” of eldersatwork.com.)
I queried Google to see what was available and found Transmit 4, an OS X FTP utility. Although a few reviews called it “expensive” at $34, I wanted a native OS X application, not a clunky port of Microsoft-ness. Transmit 4 was easy to install, configure, and use.
Out with Old Tech, In with New Tech
For some elders the transition from WS_FTP to Transmit would be bad enough, without the additional background of moving from Windows to OS X. But I found the experience encouraging. Based on my prior experience with a similar tool, I was prepared to learn how to use a new tool. If we cling to old tools and methods while refusing to learn new ways, we’ll have to give step aside for others who are willing to learn.
You may not care about FTP at all, but keep learning at work or at play. Learning will change and refresh you.