Glossary: Unemployment Insurance

Back-of-the-envelope calculation - Informal computation using estimates and/or rounded numbers to reach a general answer.

Benefit Accuracy Measurement (BAM) program - BAM is a quality control statistical survey that investigates and reviews the records of a sample group of claimants selected each week at random to test the accuracy of decisions to issue or deny benefits for that week.  The program, administered by each of the 50 states for the U.S. Department of Labor, identifies errors and abuse in unemployment programs from approximately 24,000 cases annually.  Causes of erroneous payments or denials may include administrative oversight and misrepresentation or errors by claimants and/or employers.

Concealed earnings fraud - Deliberately not revealing earnings in order to receive unemployment benefits; deception by gainfully employed individuals to collect unemployment benefits for which they are not eligible.

Employed -  People 16 years and older who have jobs.

Employer - A person or business that provides work to others and a monetary payment in exchange for that work.

Employee -  A person who works for an employer in exchange for a monetary payment.

Extended unemployment benefits - Additional weeks of benefits available to workers who have exhausted regular unemployment insurance benefits during periods of high unemployment.

Fraud - Deliberate misrepresentation of facts for profit or gain in violation of laws and regulations.

Job Search Fraud - Deliberate misrepresentation by unemployed persons to collect unemployment benefits by claiming to meet mandatory work search requirements, such as the minimum number of job applications to be filed each week.

Recession - A period of declining real income and rising unemployment; significant decline in general economic activity extending over a period of time.

Unemployed - People 16 years of age and older who are without jobs and actively seeking work.

Unemployment - A condition where people at least 16 years old are without jobs and actively seeking work.

Unemployment benefits - Unemployment insurance payments given to provide temporary financial assistance to eligible unemployed workers who are unemployed through no fault of their own and who meet their state’s eligibility requirements.

Unemployment insurance - Federal-state insurance that provides unemployment benefits to eligible workers who are unemployed through no fault of their own and meet the eligibility requirements of their state’s law.

Unable and unavailable for work fraud - Deliberate misrepresentation of not being healthy enough to work or being available for work by an unemployed person filing for unemployment benefits.


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