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10-23-2009, 02:51 PM #1
Self Employed and Unemployment Insurance is possible
I've read several posts over the last few months about not being able to collect unemployment because of being self employed.
This is true and untrue. The reason for not being able to is because it hasn't been paid into. Obviously.
We are a very, very small company. At one time we had 6 employees, I think, maybe 7. We had went with a payroll company first of 2007. Before the end of 2008 there were just him and I because of the economy. I was on payroll and had been for couple years. He wasn't. When our world went to crap in Oct 2008 and by end of year it only got worse. At the end of Dec 2008 we talked to the payroll company and asked since he owned the company could be still be on payroll and they said yes, absolutely.
End of the year taxes for self employed suck as we know. So this took care of 3 problems.
1. Income tax wouldn't have to be worried about so much as it would be automatically taken out. We had a little bit extra taken out just in case. ( Second time we ever got a refund )
2. "Business" paid half his social security which is deductible.
3. Unemployment insurance was also taken out on their part.
What this means is that should the business go totally defunct he is eligible for unemployment because he is an employee of the leasing company also. It would be based solely on his paycheck NOT the final tax preparers figures.
If any out there are self employed this might be something to consider for future. Yes, you have to be employed by leasing company for a time period cause you are a "new" employee and yes it will cost a little more overall. But you would also be eligible for unemployment should it eventually come to that.
Anyway, just something to consider.Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.
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