Recession ResourcesThis information in .pdf format
File online or by phone with the Unemployment Insurance Agency (UIA), the State of Michigan's source for unemployment claims.
- UIA may be reached toll free at (866) 500-0017
Michigan Works! provide in-person assistance, computers, and job postings, at local offices throughout the state:
- Ferndale: (248) 545-0222
- Highland: (248) 889-0410
- Novi: (248) 956-5060
- Oak Park: (248) 691-8437
- Oxford: (248) 969-2399
- Pontiac: (248) 276-1777
- Southfield: (248) 796-4550
- Troy: (248) 823-5101
- Waterford: (248) 682-3417
- Wayne: (734) 858-4284
No Worker Left Behind - free tuition available to job seekers. Must apply by July 2010 for up to $5,000 per year for two years to get a degree in a high demand field
- Toll free phone: 800-285-WORK
For additional assistance in filing your claim, watch Filing Your Claim for Unemployment Benefits & Finding a Job at the UIA website.
If you do not qualify for insurance through your spouse/partner's employer or for Medicaid, you may qualify for a reduction of 65% of the cost of COBRA for up to nine months through a new government program. This program may also be available if you previously did not elect for COBRA.
- COBRA Program Website
- Toll free: 1 (866) 444-3272
Consider enrolling in health insurance available through spouse's or partner's employer
Under the Health Insurance Portability and Accountability Act, HIPPA, you have 30 days to enroll in your spouse/partner's plan if you lose insurance due to loss of employment, regardless of when the open enrollment period is
Private Health Insurance
Research health care insurance providers based on cost and amount of coverage.
The National Committee for Quality Assurance not-for-profit organization provides "Report Cards" on Health Insurance Providers.
Blue Cross Blue Shield (BC/BS) of Michigan is the state's nonprofit insurer of last resort. BC/BS must accept all applicants.
- BC/BS may be contacted toll free at 1 (877) 4MY-BLUE [877-469-2583]
Government Funded Health Insurance
Veterans qualify for VA benefits: (877) 222-8387
Medicaid is available to low-income families, disabled persons, children, and pregnant women. To apply for Medicaid, go to or call your local Department of Health Services office.
MIChild helps children under age 19 of working families (those who do not qualify for Medicaid). This program has a higher income bracket than the Medicaid program.
- Toll Free at (888) 988-6300
Free or Low Cost Primary Care
A list of Free Clinics in Oakland County can be found at the Free Clinics of Michigan site.
At Community Health Centers, you pay what you can afford based on your income.
Michigan Cover the Uninsured provides free and/or low-cost health screenings locally.
Project Healthy Living provides free and/or low-cost health screenings locally.
Ways to Save on Medication
Information on 15 ways to save on medications
Cover Letters, Resumes & References
- About.com resume samples for most job-seekers
- More free resume templates, including writing tips
- LearningExpressLibrary, a database with information about resumes and cover letter, saccessible via the Michigen Electronic Library using your Driver's License or State ID
- Reference Letter tips - questions and tips for compiling your reference list
- More Reference Letter samples
Occupational Outlook Handbook looks at future growth in different occupations. Published by the Bureau of Labor Statistics, the Handbook includes information on income, training, job searching and the job market by state.
Neighbors4Neighbors is a forum for those who have lost a job to find resources, share resources, and be a resource with others in Michigan.
The database ReferenceUSA is available through many libraries. Search for potential employers by industry, number of employees, location, etc.
Job searching websites:
- Indeed - Search by job title, keyword or company name
- Job-Hunt.org - for everything from anticipating a layoff to recruiting employees
- Jewish Vocational Services - JVS helps unemployed workers find meaningful employment
- The Riley Guide - Employment Opportunities on the Internet
- Job posting sites in Michigan
- Craigslist jobs
- OCC training and assistance for unemployed workers
About.com's Job Search site offers a variety of interview questions, answers, and interview tips
Yahoo! offers interview tips for a variety of interviews
State of California Employment Development Department has an excellent site on interviewing. Includes questions, pitfalls and thank you notes.
Toll Free: (877) ASK-FDIC
Information from the Federal Deposit Insurance Corporation on protecting yourself from foreclosure rescue and loan scams
Michigan Radio and Detroit Public Television are partnering with local agencies to connect people at risk with resources they need to avoid foreclosure. View the brochure
- Toll Free: (800) 961-3334
- Provides homeowners with access to many resources including timelines, counseling services, treasurer's offices, housing assistance, and advice on avoiding scams
Michigan Foreclosure and Delinquency Assistance from United Way of Southeastern Mich
- Toll Free: 211 or (800) 552-1183
- Learn about foreclosures or use a quick assessment tool to find out if you are at risk
- Referral services also available
Housing and Energy Assistance from the Oakland Livingston Human Service Agency
- (248) 209-2600 for Pontiac, or (248) 542-5860 for Ferndale
- Offers foreclosure prevention counseling as well as home ownership counseling and assistance
- Toll Free: (800) 550-1961
- Non-profit organization in Farmington Hills offering help with foreclosure prevention, repossession, and utility shutoff. Offers free debt counseling services either over the phone or in-person
- Also information on loan modification scams that claim to be associated with the U.S. Dept of Housing and Urban Development
- Toll Free: (866) 946-7432
- Program operated by MSHDA (Michigan State Housing Development Authority) to help homeowners keep their homes through refinancing
- (734) 615-2450
- Collaborative statewide project from the Michigan Poverty Law Program that provides direct legal representation to homeowners facing foreclosure, support to housing counseling organizations, coordinating policy advocacy on a statewide basis, and provides training and technical support
Making Home Affordable from the Department of the Treasury
- Toll Free: (888) 995-HOPE
- Refinance or modify loans to a payment that is affordable now and into the future. A self-assessment tool provided allows homeowners to determine if they are able to benefit from this program. Also includes FAQs, payment estimators and lots of other valuable resources
- Toll Free: (888) 995-HOPE
- An alliance between HUD approved housing counselors and mortgage companies that provides free foreclosure prevention assistance
Mortgage Foreclosure Resources for Consumers from the Federal Reserve
- Information and links to agencies and organizations that may be able to help consumers
ACORN Foreclosure Campaign from Association of Community Organizations for Reform Now
- Toll Free: (866) 67-ACORN or (313) 963-1840
- Help for low-to-moderate income homeowners. Information about predatory lending and the foreclosure crisis
- The Mortgage Bankers Association provides information about the foreclosure process and borrower options
- AnnualCreditReport.com - get your free annual credit report. No strings attached.
- myFICO.com - Find out your credit score (must sign up for a trial but can avoid payment if you cancel within 30 days)
Maintaining Good Credit
- Federal Trade Commission -Building a Better Credit Report
- Michigan State Housing Development Authority - Your Credit
- About.com Credit/Debt Management - How to Survive Unemployment, Maintain Your Credit, and Manage Your Debt
- U.S. Financial Literacy and Education Commission - Learn more about credit and how to protect it
- Power Pay 5.0 - Power payments are part of a technique often suggested by financial experts to help families and individuals gain control of their consumer debts. This program developed in part by the Utah State University Extension can help you make power payments (you must create a username and password to access)
- Department of Human Services - Offers emergency assistance with bills to qualified individuals. Phone: (517) 373-2035
- Michigan Energy Renovation Program - Offers financial help to qualified individuals. Phone: (866) 200-1799
- Michigan State Housing Development Authority - Who to Call for (Credit) Help." Phone: (517) 373-8370
- United Way for Southeastern Michigan - Try Rent Assistance or Utility Assistance. Phone: 211
- Free, reputable credit counselors: Michigan State Housing Development Authority - Counselor Agency Locator. Phone: (517) 373-8370
- United Way for Southeastern Michigan - Credit Counseling and Finances
United Way 2-1-1 is a multi-lingual, comprehensive information and referral service available 24/7/365. Its database contains more than 20,000 programs and services such as after school programs, senior care services, medical and prescription assistance, credit counseling and mortgage foreclosure assistance, and housing and utility resources. Dial 211 for assistance.
Displaced Worker Assistance
A guidebook compiled by U.S. Representative John Dingell’s office for displaced workers, including information on unemployment benefits, food stamps, foreclosure assistance, job training programs and more.
Michigan Department of Human Services
The Michigan Department of Human Services provides help in numerous ways. Call (517) 373-2035 for assistance.
The 2009 Michigan Energy Assistance Directory, developed by the Coalition to Keep Michigan Warm, provides information on private and public programs that offer energy assistance, as well as a county listing of utilities, programs, and resources available.
Food Stamps/Food Banks
- Michigan Dept. of Human Services
- Gleaners Community Food Bank - (866) 453-2637
- Salvation Army - (877) 725-6424
- Food Assistance Program Hotline - (800) 481-4989
- Food Banks
- Alternatives for Seniors - (888) 533-4636
Your Local Library
(248) 554-4650 Bloomfield Township Public Library
(248) 642-5800 Canton Public Library
(734) 397-0999 Farmington Community Library
(248) 553-0300 Independence Township Library
(248) 625-2212 Rochester Hills Public Library
(248) 656-2900 Southfield Public Library
(248) 796-4200 West Bloomfield Township Public Library