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It constantly amazes me how much I can accomplish when I don't have a job sucking up all of my time. I really don't want to go back to work ever again - not, mind you, that there is any risk of that happening any time soon. The job market sucks; I doubt I'll have the option of going back to work again unless I hone my skill saying, "you want fries with that?" The way things are, I should probably be down occupying Wall Street, save for the fact that I have an aversion to sleeping outside sans a daily shower for extended periods of time.

Also, True and Madeline would start to miss me...I think.

I finally came to a decision regarding cashing out my pension from my former employer. In the end, it came down to this: we needed the money now, not forty years down the road. So, I cashed it out and wrote a letter to Pennsylvania's Unemployment Compensation Office informing them that I did so (as required by state and federal laws).

According to the UC handbook and the website, my action should not adversely affect my compensation benefits. The pension in question was one that I had paid into and I took it all as a lump sum, not having the option to cash it out in instalments or partial payments. All of the above conditions should exempt me from finding my compensation reduced or worse, terminated.

I can't say that I trust those running the show at the UC offices, however. I wrote my letter detailing everything I could about my actions - crossing all of the Ts and dotting all of the Is as it were. I told them to call me if they needed more information. I did end up receiving a phone call from their office, but I was unable to answer it because I was driving at the time. True ended up answering my cell phone for me and she told whomever was on the other end of the line that I couldn't talk at the moment - driving and cell phone conversations don't mix.

The next day I receive a letter in the mail from UC. They want me to fill out a survey telling them the same information about my pension which I'd already outlined in the letter which I'd written to them previously. I'm irritated by this, but I figure that it is nothing more than bureaucracy inaction. However, the final section of the survey struck me as odd: at the bottom of the final page it said, "statement taken from claimant by phone" followed by the date they had called me. I put the completed survey in an envelope addressed to my local UC office along with a letter which noted that there was no possible way a statement could have been taken from me as no one had spoken to me on the phone before I'd received their survey.

I confess: I am worried about losing my unemployment compensation. By all rights, I really shouldn't but I can't say I have a great deal of confidence in those working at the UC office. If this is their twisted way of trying to encourage people to get back into the workforce, I say that it is sick and counterproductive. Stress doesn't motivate people; it leads them to an early grave. At this juncture, if my compensation is terminated, I am going to acquire an attorney. I'll fight this to the bitter end. It's not like I don't have the time - I'm unemployed.


So, what have I been doing with my time when I'm not battling bureaucracy or sighing in disappointment at the local job postings? Well, I've been busy trying to get people to pay attention to my new CD. It's awesome - seriously. Would I lie to you about such a thing? No, I wouldn't.

Alternately, True and I have been working on turning our living space into an actual home. This has involved a lot of cleaning, a bit of decorating and some furniture assembly. Let's face facts: stacking the baby's clothes on top of our dresser wasn't going to cut it forever.

In addition to juggling my home life with my music, I also decided to try my hand at producing someone else's creative endeavours. For the first time in my life, I not only recorded someone else's performance, but went outside of my expected genres and laid down a hip hop track. I'm actually confident I'll be writing more about it later as the initial studio session was quite auspicious.

Eventually I'd like to record more people; use the experience I've gained from producing my own albums all of these years and help other musicians get something polished onto a shiny disc or download. Maybe someday people will actually pay me to do it...now that would be a nice job.

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It was two months ago on this day that I spent my first full day without a job. July 15th was my final day of work at what had been seven-plus years of employment at the Federal Reserve Bank. Also with a few hundred others, I was "downsized" as the organisation consolidated operations into fewer offices.

In this time I have been trying to keep busy and maintain some sort of routine so I don't either go insane or completely degenerate into a useless complacent mass of biomatter. The obvious solution is to find a new job, however I have minimum employment requirements that must be met by any potential employer and thus far I've yet to find anything which wouldn't be a step down from being unemployed. They say the economy is improving, but I don't think they know what they are talking about.

I have come into some frustration regarding Pennsylvania's Department of Labor & Industry. While the current unemployment compensation I receive is adequate, I have been entertaining the idea of cashing out my pension fund in order to loosen the fiscal vice a bit and provide a greater monetary cushion in case the jobless streak lasts much longer than expected.

As with most states, Pennsylvania has laws on the books stating that certain pension payouts may affect the level of unemployment compensation one may receive. However, certain circumstances are not considered deductable. The Pennsylvania Unemployment Compensation Handbook list the following regarding pension payment as not deductable: "A lump-sum pension payment, if you did not have the option of receiving monthly or periodic payments." One of the options my former employer listed regarding my pension was to take the full amount as a lump sum to do with as I pleased. If I do nothing, monthly payments from the account will begin when I reach 70 years of age.

As such, this leaves the statement in the handbook as somewhat vague. I will not have the option of receiving monthly payments for another 40 years. This leaves the statement open for interpretation: since I do not have the option of receiving monthly payments now, does this mean that taking a lump sum will not affect my unemployment compensation or does it mean that because I will eventually have the option of taking monthly payments, it will? Frankly, I am hoping for the former, but I want to be completely certain before taking any action.

Quite frankly, calling the unemployment office to get this matter clarified was a waste of time. It would have been one thing to get an answer which ran counter to what I think the handbook implies, but to get no answer whatsoever runs the gamut from frustrating to infuriating.

It took me twenty minutes on hold to speak to a representative. I asked the woman on the other end of the line the same question I posited here. She referred me back to the handbook and gave me a series of non-answers, most of which quoted the reminders I'd been listening to during my time on hold.

"If you do decide to cash out your pension, make sure you report it," I heard on the other end of the line. I imagined that the woman saying this was filing her nails while leaning back in her chair, nonchalantly glancing at her script on a computer monitor.

"I'm aware of that requirement, but what I need to do is if doing so will affect on my unemployment compensation," I replied.

"I don't get to make that judgement; you'll have to decide whether to live off of your unemployment compensation or your pension."

If my read of the handbook was correct, this shouldn't be an either/or situation. In fact, the last thing I want to do is endanger my unemployment compensation as I attempt to pad out the financial blow of job loss. However, the tone struck by the statements of the woman on the other end of the phone was almost like a nasty dare; she may as well have said, "Go ahead and cash out your pension and see what happens; I bet you won't like it."

I probably should have stayed on the phone and told the woman that if she couldn't answer my question then I wished to be transferred to someone who could. The more I think about it, the greater the desire grows to call back, endure being on hold and get myself transferred to a supervisor or someone higher up the line who can actually answer my questions. If someone gets to "make a judgement" then someone knows what will happen in this situation. Compounding my annoyance is that there is no physical unemployment office in Pittsburgh where I could speak to a representative directly and look this person in the eye.

So, two months unemployed...life is full of transitions and this is merely another one. However, there is no reason for anything to be as frustrating as it is. Given my experiences when I did have a job and my continued frustrations with so-called customer "service" centers, I'm adding "cut through bureaucracy" to my list of life missions.

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Seth Warren

May 2025

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