There are so many states that are overwhelmed by unemployment claims that many can’t keep up.  Worse yet, many states are starting to run low on cash to even pay claims so I can foresee a scenario where the first ones laid off get paid and last ones out get nothing.   It’s been three weeks since I’ve been laid off and I have yet to see a single dime of unemployment cash and I’m still waiting for the state to send me a check.

If you’re working for a company that may suddenly shudder its doors or will layoff a huge portion of their workforce, you may be better off  asking to get laid off now so you can capture some unused vacation, severance, and start looking for a new job at a more stable company.

The worst case scenario is if you remain at a job and have a gradual reduction of your work hours to the point where you would have been better off laid off or working somewhere else entirely.  This may sound counter intuitive but it makes sense to position yourself accordingly to your situation.   The only exception I can think of is if your employer is providing retraining benefits of some sort to help you move along.