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Unemloyment insurance pays you when you are unemployed. Underemployment insurance pays you when you are underemployed. So if you have a Ph.D. in physics and should be making $60,000 but you are flipping burgers making $20,000, the underemployment insurance would pay the difference, $40,000.
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I have a PH.D. in physics and get 60k$ but I feel that I am qualified to be a CEO making at least 10M$. What would be the annual premium to make me eligible for payment of the difference? |
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I would be more than happy to work extra hard for a few years to get an impressive graduate degree, then sit back and flip burgers 20 hrs a week and still pull in a huge salary... I think you would have to install a system to place blame for the underemployment. The policy holder should not be able to collect unless they are not at fault, which would be very rare. |
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Maybe you have a PhD in physics from "Billy Bob's school of learnin' stuf good" and really you're only qualified to flip burgers or pick your nose. |
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How would you account for quality of education ?? |
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Conversely, overemployed people (those who flunked out of burger flipping school but whose rich uncles managed to get them jobs as Vice Presidents at their firms) should have to pay a percentage of their salary into the insurance program. |
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Well then, Bill Gates alone could fund the whole national program with that rule. (He flunked out of Harvard, never finished, and is the richest man in America). |
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GW Bush is the poster child of overemployment. I wonder how big his premiums are? |
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couldn't the premiums be paid for
by the people who are over
employed? by this i mean the high
school drop outs who strum
guitars for a living, and make what
[kbecker] is qualified for. |
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oh wait, they tried that already....
somewhere in/near/around china,
i think. |
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"Yaaaaaaaaay! Communism!!
Sheesh....finally...."
-Marx |
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Economics in any form is dumb. |
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Underemployment, Overemployment - how about Antiemployment? If the military can accomodate conscientious objection, surely my post-enlightened neighbors can support my principles. Perhaps I was just born too soon. |
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None of this would be a problem if, instead of funding rediculous wars in odd corners of the earth, major countries (most especially the USA) would spend that money to provide every citizen with guaranteed food, water, education, basic clothing and shelter.
That said, I believe that if you have TRIED hard to get a job in your field, and your grade point average was a B average or higher, and still you cannot, your underemployment insurance should come from your college, grad school, or technical institute. |
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In other words, they should simply have to give you back your tuition. Everywhere else, if you buy a product or service that doesn't work, the manufacturer or provider will refund the money. Why not education? Hmmm. [idea strikes]! Off I go to shove a new bun in the mental oven... |
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>>would spend that money to provide
every citizen with guaranteed food,
water, education, basic clothing and
shelter. << |
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Postcard from the real world: 9-11 cost
the US economy over a trillion dollars.
The money spent to ensure nothing like
it happens again is very well spent. |
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Having grown up on welfare (the "dole"
for you Brits) I know that it is no kind of
life at all. I was eventually taken away
from my mentally ill mother and put
with a family that taught me how to
accomplish, sacrifice, dream and
achieve. Handouts are NOT a solution.
Think harder, please. |
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As for the original post, it is a nice idea
but totally impractical. In other words,
truly half-baked! [+] |
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