An Introduction to Unemployment and Unemployment Insurance

Research Report

An Introduction to Unemployment and Unemployment Insurance

October 1, 2005

Abstract

This paper describes the evolution of unemployment in recent years (the rate of unemployment occurrences and average unemployment duration) and highlights variation in unemployment by gender, age, ethnicity and educational attainment using national data. It then demonstrates the wide variation in receipt of unemployment insurance (UI) benefits by states. It also identifies several state-level factors related to recipiency rate variation. Finally, it suggests changes that would increase UI recipiency in the states.

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