When a person becomes an unemployed person

An unemployed person is someone who has stopped looking for work and has not had any employment opportunities since they started their search.

When they receive unemployment benefits they can apply for a loan of up to $2,500.

In a few cases, they may qualify for a hardship loan. 

The Government is providing a loan amount of $2.5 million to a local development organisation (LDO) to help local organisations with job creation projects.

The loan amount is the maximum amount that the government can provide for projects with a minimum of $10,000.

The Government also has an emergency grant that allows the local development organisations to help people with low incomes in rural areas and areas of extreme poverty. 

It is a relief for people in rural communities and for people with less resources. 

However, it is not enough.

A person’s ability to repay the loan is dependent on their employment status. 

This is because the Government does not have a record of unemployment data and many people may not be aware that they are unemployed. 

A person with no work is not eligible for the loan and it is important that people are able to repay it. 

What is a hardship? 

A hardship loan is a loan that a person is entitled to to help them meet basic needs like food and shelter.

This is a financial aid program that can help them with housing, employment, food, clothing, medical care, education and transportation to meet the basic needs of their household. 

In addition, it can also help to help to improve the livelihoods of people in the local community. 

Who is eligible for a job-creation loan? 

People in rural and remote areas can apply to receive a loan from the Government.

This loan is based on the unemployment rate of the local area.

The money can be used to provide assistance to the people in need. 

How does the Government know how many unemployed people it has? 

The Unemployment Insurance Agency (UIFA) uses a range of information, including the employment situation of people who are unemployed, to determine how many people are in the programme.

It also uses statistics to provide data on the number of unemployed people in its database. 

Where can people get information on the Government’s unemployment programs? 

Data on unemployment benefits is available on the UIFA website, www.uifa.govt.nz, on the Department of Social Development website, www.dsd.gov.nz/unemployment-programmes, and in the Department’s mobile application, www!dp/dp3/dp1/dbs/dp.html. 

For information about job-creating projects, call the Department on 0800 868-3399, text 23423 or email [email protected] 

 What happens if I apply for help to get a loan?

The Government will use the data it collects from JobSeeker.

The data is used to calculate the maximum number of people that it can provide a loan to.

This may include people who have stopped looking and are eligible for another loan or have been given a hardship grant.

The maximum amount of a loan is $2 the amount that can be repaid if they are employed. 

I am not eligible to receive the loan.

What happens when I have to pay back the loan?

When the loan payment is due, the person is required to pay the full amount of the loan plus the amount owed by the previous payment. 

If the loan has been paid, they can still apply for the same amount as before. 

Can I apply to the Department for a waiver of the repayment of the hardship loan?

A person may apply for such a waiver, if they can show that: They are a person who has a disability or other impairment that would make it difficult for them to find work; The person has been given an assistance benefit; They have been unemployed for at least 12 months; There is a person in their household who is not in the family business; This person has lived in the household for at a minimum 6 months. 

Does the Government have a list of people with a disability?

The Disability Discrimination Act 1994 (DDA) covers disability.

It sets out rules for when and how a person must be treated.

It covers disability that affects someone’s ability or capacity to work, whether or not the person has a physical or mental impairment. 

Is it illegal for someone with a Disability to get job-making assistance?

The DDA says no.

But, it says that there is a provision in the Disability Discrimination (Disability) Act 1993 (DCD) that prohibits a person with a serious disability from receiving job-starting assistance. 

But is it illegal to help someone with disability get a hardship payment?

No. 

Are there limits on the amount of disability support that can a person receive?

Yes. 

Has the Government increased support for disabled people?