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Unemployment insurance

Unemployment insurance is just like auto or home insurance - except that the employer pays the insurance "premiums" to a state agency that makes payments to the employee when he or she loses the job.

An employee who loses a job (and it wasn't his or her fault) might be able to collect money through your state's unemployment insurance program. The amount the employee receives depends on the employee's earnings before losing the job. The employee might be able to receive payments for up to 26 weeks, as long as he or she tries to find a new job during that time.

To avoid higher premiums, you may decide to challenge the employee's right to unemployment insurance benefits. If you choose to do so, you should contact a lawyer who specializes in employment law.