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ByteDance, a Chinese technology company, owns TikTok.\u003c/p>\n\u003cp>Institute co-founder Joel Finkelstein wrote that includes media outlets and influencers, such as travel vloggers who post toothlessly about Chinese regions like Xinxiang, where the government has \u003ca href=\"https://www.dol.gov/agencies/ilab/against-their-will-the-situation-in-xinjiang\">imprisoned\u003c/a> more than 1 million Uyghurs and other mostly Muslim minorities.\u003c/p>\n\u003cp>“This manipulation is not just about content availability; it extends to psychological manipulation, particularly affecting Gen Z users,” Finkelstein wrote.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>While American teenagers do not typically make geo-political decisions, Finkelstein argued a positively skewed view of China shaped by manipulation “undermines critical thinking and democratic discourse.”\u003c/p>\n\u003cp>NCRI said in its report that “our findings, which, while not definitive proof of state orchestration, present compelling and strong circumstantial evidence of TikTok’s covert content manipulation.”\u003c/p>\n\u003cp>TikTok has repeatedly said the Chinese government has no influence over its U.S. app, and proving otherwise would be difficult — something that the Department of Justice has acknowledged in \u003ca href=\"https://www.pbs.org/newshour/world/legislation-that-could-force-a-tiktok-ban-revived-as-part-of-house-foreign-aid-package\">discussions\u003c/a> over a law that could ban the app.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[aside postID=news_11998860 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2024/08/XSFGetty-1020x598.jpg']\u003c/span>\u003c/p>\n\u003cp>NCRI’s report could add to a \u003ca href=\"https://www.techpolicy.press/transcript-tiktok-ceo-testifies-to-congress/\">surge of concern\u003c/a> in Washington, D.C. Other research outfits \u003ca href=\"https://www.nytimes.com/2023/11/17/technology/israel-hamas-war-meta-tiktok-social-media.html\">have urged\u003c/a> TikTok to give them better access to data to study things like the \u003ca href=\"https://www.amnesty.org/en/latest/news/2023/11/tiktok-risks-pushing-children-towards-harmful-content/\">mental health\u003c/a> of young users.\u003c/p>\n\u003cp>“Trying to understand how social media works from the outside is difficult and getting more difficult because social media is tightening their grip on access,” said Hany Farid of UC Berkeley’s School of Information.\u003c/p>\n\u003cp>An \u003ca href=\"https://networkcontagion.us/reports/12-21-23-a-tik-tok-in-timebomb-how-tiktoks-global-platform-anomalies-align-with-the-chinese-communist-partys-geostrategic-objectives/\">NCRI analysis\u003c/a> published in December looked at the volume of posts with certain hashtags — like “Uyghur,” “Xinjiang,” “Tibet” and “Tiananmen” — across TikTok, Instagram and YouTube. That report found anomalies in TikTok content based on its alignment with the interests of the Chinese government. For example, researchers wrote, hashtags about Tibet, Hong Kong protests and the Uyghur population appeared to be underrepresented on TikTok compared with Instagram.\u003c/p>\n\u003cp>NCRI claims that following the first report’s publication, TikTok disabled its hashtag measurement functionality in a move that made it impossible for the researchers to replicate their findings.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[aside postID=news_11965403 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/10/231019-GazaRally-011-BL-qut-1020x680.jpg']\u003c/span>\u003c/p>\n\u003cp>For its new report, NCRI researchers turned to “user journey” data, setting up 24 “sock puppet” accounts to mimic the new-to-the-platform experience of 16-year-old Americans. 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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>While American teenagers do not typically make geo-political decisions, Finkelstein argued a positively skewed view of China shaped by manipulation “undermines critical thinking and democratic discourse.”\u003c/p>\n\u003cp>NCRI said in its report that “our findings, which, while not definitive proof of state orchestration, present compelling and strong circumstantial evidence of TikTok’s covert content manipulation.”\u003c/p>\n\u003cp>TikTok has repeatedly said the Chinese government has no influence over its U.S. app, and proving otherwise would be difficult — something that the Department of Justice has acknowledged in \u003ca href=\"https://www.pbs.org/newshour/world/legislation-that-could-force-a-tiktok-ban-revived-as-part-of-house-foreign-aid-package\">discussions\u003c/a> over a law that could ban the app.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>NCRI’s report could add to a \u003ca href=\"https://www.techpolicy.press/transcript-tiktok-ceo-testifies-to-congress/\">surge of concern\u003c/a> in Washington, D.C. Other research outfits \u003ca href=\"https://www.nytimes.com/2023/11/17/technology/israel-hamas-war-meta-tiktok-social-media.html\">have urged\u003c/a> TikTok to give them better access to data to study things like the \u003ca href=\"https://www.amnesty.org/en/latest/news/2023/11/tiktok-risks-pushing-children-towards-harmful-content/\">mental health\u003c/a> of young users.\u003c/p>\n\u003cp>“Trying to understand how social media works from the outside is difficult and getting more difficult because social media is tightening their grip on access,” said Hany Farid of UC Berkeley’s School of Information.\u003c/p>\n\u003cp>An \u003ca href=\"https://networkcontagion.us/reports/12-21-23-a-tik-tok-in-timebomb-how-tiktoks-global-platform-anomalies-align-with-the-chinese-communist-partys-geostrategic-objectives/\">NCRI analysis\u003c/a> published in December looked at the volume of posts with certain hashtags — like “Uyghur,” “Xinjiang,” “Tibet” and “Tiananmen” — across TikTok, Instagram and YouTube. That report found anomalies in TikTok content based on its alignment with the interests of the Chinese government. For example, researchers wrote, hashtags about Tibet, Hong Kong protests and the Uyghur population appeared to be underrepresented on TikTok compared with Instagram.\u003c/p>\n\u003cp>NCRI claims that following the first report’s publication, TikTok disabled its hashtag measurement functionality in a move that made it impossible for the researchers to replicate their findings.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>For its new report, NCRI researchers turned to “user journey” data, setting up 24 “sock puppet” accounts to mimic the new-to-the-platform experience of 16-year-old Americans. The accounts searched for each of four target keywords — Uyghur, Xinjiang, Tibet and Tiananmen — on TikTok, YouTube and Instagram, clicked on the first post that appeared and scrolled through subsequent videos fed by the algorithm.\u003c/p>\n\u003cp>Researchers also said they saw evidence of hashtag/keyword “hijacking,” attaching trending hashtags for topics considered highly sensitive or provocative by the Chinese government to unrelated posts in an attempt to muddy the waters and drown out genuine content. The researchers wrote, “60.3% of all content served by TikTok’s search algorithm was flagged as irrelevant in contrast to <5% for Instagram and YouTube, demonstrating the CCP influencing tactic of hashtag/keyword hijacking.”\u003c/p>\n\u003cp>In a statement, a TikTok spokesperson dismissed NCRI’s study. The spokesperson said many TikTokers use unrelated hashtags to drive traffic to their content and that it’s a practice common across all social media platforms. All platforms algorithmically promote engagement, so if a video is proving popular, TikTok’s algorithm is designed to elevate it, not bury it, the spokesperson added.\u003c/p>\n\u003cp>“This non-peer reviewed, flawed experiment was clearly engineered to reach a false, predetermined conclusion,” he wrote. “Creating fake accounts that interact with the app in a prescribed manner does not reflect real users’ experience, just as this so-called study does not reflect facts or reality.”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>One of the largest credit unions in the Bay Area and nationwide has been trying to restore its systems, after a ransomware attack first reported Saturday.\u003c/p>\n\u003cp>The Patelco Credit Union, which is based in Dublin and serves half a million members, has shut down some day-to-day banking services, namely electronic transactions, like Zelle, direct deposit, balance inquiries, and payments.\u003c/p>\n\u003cp>According to the latest \u003ca href=\"https://www.patelco.org/securityupdate\">update\u003c/a> posted Tuesday on its site: “Please know that any incoming direct deposit(s) will be credited to your account and processed before any withdrawals (e.g., checks, cash withdrawals). Currently, you can access the funds from your direct deposit by writing a check, using an ATM card to get cash or make a purchase.”\u003c/p>\n\u003cp>Customers can still make cash withdrawals at ATMs. Dwight Moore, who’s been banking with Patelco for 25 years, said he was able to get cash on Monday, but he couldn’t see his balance.\u003c/p>\n\u003cp>“It does make me worry,” he said. “Patelco has been good since I’ve been banking with them, so this is shocking.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Patelco has sought help from a third-party cybersecurity firm to investigate the data breach. How many union members were affected and how long it would take before systems are fully restored is unclear.\u003c/p>\n\u003cp>“When I talked to people on the phone, because I called their customer service line, they weren’t able to give me any sort of information regarding what my balance was,” said Alex Ellis, who’s banked with Patelco for years.\u003c/p>\n\u003cp>Ellis, who lives in Oregon with her husband, said her grandfather opened an account for her when she was a kid. But the stress she has experienced over the past few days could lead her to leave Patelco altogether, as the attack took place just before the beginning of the month when payments like rent are typically due.\u003c/p>\n\u003cp>“We are very fortunate that our landlords seem to be working with us and [are] understanding of the situation,” she said. “I’m very interested to kind of see how they finish handling stuff, because it will definitely help determine what I end up deciding to do in the future.”\u003c/p>\n\u003cp>Ransomware attacks typically target institutions — like schools, health care systems and local governments (like the \u003ca href=\"https://www.oaklandca.gov/news/ransomware-substitute-notice\">City of Oakland\u003c/a>) — where large tranches of personal information are stored — or hackers presume the victim is willing to spend a lot of money to get the institution up and running again quickly.\u003c/p>\n\u003cp>Even \u003ca href=\"https://www.kqed.org/futureofyou/436414/the-crippling-ransomware-attack-on-kqed-the-inside-story\">KQED was hacked in 2018\u003c/a>.\u003c/p>\n\u003cp>Ransomware incidents have been on the rise. In 2023, they went up by 68 percent, according to the ThreatDown State of Malware \u003ca href=\"https://try.threatdown.com/2024-state-of-malware/\">report\u003c/a> published by Malwarebytes, a cybersecurity company based in Santa Clara.\u003c/p>\n\u003cp>Davis Hake, a San Francisco-based senior director of cybersecurity services at the Venable law firm and an adjunct professor in cyber risk management at UC Berkeley, is a leading author of early cybersecurity legislation in Congress. He shared his insights on the Patelco case with Rachael Myrow, senior editor of KQED’s Silicon Valley news desk.\u003c/p>\n\u003cp>Here’s an excerpt of their conversation, edited for clarity:\u003c/p>\n\u003cp>\u003cb>RACHAEL MYROW: Tell us more about ransomware attacks. How do they work exactly?\u003c/b>\u003c/p>\n\u003cp>DAVIS HAKE: Adversaries will start with a phishing attack, which is an impersonation, to try and get someone through email to click on a link, which gives them access to the account. The adversaries then work through low-level attacks to escalate their ability to get closer and closer to critical parts of a business. And then, once they’re there, they’ll deploy malware, which locks down a system.\u003c/p>\n\u003cp>It’s a type of attack that locks down critical parts of a business. And what attackers were really trying to do here is they’re trying to put pressure on the business to pay an extortion in order to restore services. Unfortunately, we’ve seen these types of attacks become more popular among criminals. Folks may remember the \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/28/534679950/petya-ransomware-hits-at-least-65-countries-microsoft-traces-it-to-tax-software\">“NotPetya”\u003c/a> ransomware attacks of 2017. After that time period, these types of attacks started growing in success. And over the pandemic, when we saw a shift to work from home, as well as major disruptions to health care systems, these attacks really took off and have been a major issue since.\u003c/p>\n\u003cp>\u003cb>Financial institutions know they’re big targets for hackers. So, what processes do they have in place to prevent these attacks?\u003c/b>\u003c/p>\n\u003cp>Security controls, such as multi-factor authentication, can help limit the adversary getting access to larger accounts. Having backups in place is critical, obviously, so you can restore without paying an extortion.[aside postID=\"news_11982634,news_11973657,mindshift_63353\" label=\"Related Stories\"] But a larger issue for ransomware victims is social pressure that extortionists put on the victim. Like in this case [of Patelco], there’s enormous social pressure to fix it. [That’s] what will oftentimes drive payment and extortion, which we always want to try and avoid. So, in this case, working on developing an incident response plan ahead of time and then following that plan ensures that you have business processes in place to account for disruptions.\u003c/p>\n\u003cp>\u003cb>What do we know, if anything, about the ransomware attack that hit Patelco?\u003c/b>\u003c/p>\n\u003cp>I don’t know the specifics of this case other than what’s been reported publicly. But for any individual, they should treat this just like a data breach. It’s critical to look into things like changing your passwords, which is always a good idea. Looking at other bank accounts, being alert for fraud that may be associated with the email that you use for banking, and then also to think about how this may impact your ability, if you’re a small business, to pay your vendors or your employees. Plan ahead for what this disruption might mean to your business.\u003c/p>\n\u003cp>When the city of Oakland was hit last year, it took a long time for some services to come back. But I know that they prioritized critical services coming in first. So, you know, general cyber hygiene is what you can take advantage of for your own self.\u003c/p>\n\u003cp>\u003cb>How can the rest of us prepare ourselves to avoid or limit the damage from future attacks of this nature? Should we also be thinking in terms of distributed banking, making sure that we don’t pay everything from the same account?\u003c/b>\u003c/p>\n\u003cp>Certainly. So, thinking through; what is your own backup plan? How can you ensure resiliency to your services? This is actually what we teach folks experiencing ransomware incidents. The idea is to make sure that your business, and the critical functions of that business can keep on operating, even when disrupted. And [that’s] even in a case where it may take weeks for services to come back online.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>\u003ci>KQED’s Caroline Smith contributed to this report.\u003c/i>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>One of the largest credit unions in the Bay Area and nationwide has been trying to restore its systems, after a ransomware attack first reported Saturday.\u003c/p>\n\u003cp>The Patelco Credit Union, which is based in Dublin and serves half a million members, has shut down some day-to-day banking services, namely electronic transactions, like Zelle, direct deposit, balance inquiries, and payments.\u003c/p>\n\u003cp>According to the latest \u003ca href=\"https://www.patelco.org/securityupdate\">update\u003c/a> posted Tuesday on its site: “Please know that any incoming direct deposit(s) will be credited to your account and processed before any withdrawals (e.g., checks, cash withdrawals). Currently, you can access the funds from your direct deposit by writing a check, using an ATM card to get cash or make a purchase.”\u003c/p>\n\u003cp>Customers can still make cash withdrawals at ATMs. Dwight Moore, who’s been banking with Patelco for 25 years, said he was able to get cash on Monday, but he couldn’t see his balance.\u003c/p>\n\u003cp>“It does make me worry,” he said. “Patelco has been good since I’ve been banking with them, so this is shocking.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Patelco has sought help from a third-party cybersecurity firm to investigate the data breach. How many union members were affected and how long it would take before systems are fully restored is unclear.\u003c/p>\n\u003cp>“When I talked to people on the phone, because I called their customer service line, they weren’t able to give me any sort of information regarding what my balance was,” said Alex Ellis, who’s banked with Patelco for years.\u003c/p>\n\u003cp>Ellis, who lives in Oregon with her husband, said her grandfather opened an account for her when she was a kid. But the stress she has experienced over the past few days could lead her to leave Patelco altogether, as the attack took place just before the beginning of the month when payments like rent are typically due.\u003c/p>\n\u003cp>“We are very fortunate that our landlords seem to be working with us and [are] understanding of the situation,” she said. “I’m very interested to kind of see how they finish handling stuff, because it will definitely help determine what I end up deciding to do in the future.”\u003c/p>\n\u003cp>Ransomware attacks typically target institutions — like schools, health care systems and local governments (like the \u003ca href=\"https://www.oaklandca.gov/news/ransomware-substitute-notice\">City of Oakland\u003c/a>) — where large tranches of personal information are stored — or hackers presume the victim is willing to spend a lot of money to get the institution up and running again quickly.\u003c/p>\n\u003cp>Even \u003ca href=\"https://www.kqed.org/futureofyou/436414/the-crippling-ransomware-attack-on-kqed-the-inside-story\">KQED was hacked in 2018\u003c/a>.\u003c/p>\n\u003cp>Ransomware incidents have been on the rise. In 2023, they went up by 68 percent, according to the ThreatDown State of Malware \u003ca href=\"https://try.threatdown.com/2024-state-of-malware/\">report\u003c/a> published by Malwarebytes, a cybersecurity company based in Santa Clara.\u003c/p>\n\u003cp>Davis Hake, a San Francisco-based senior director of cybersecurity services at the Venable law firm and an adjunct professor in cyber risk management at UC Berkeley, is a leading author of early cybersecurity legislation in Congress. He shared his insights on the Patelco case with Rachael Myrow, senior editor of KQED’s Silicon Valley news desk.\u003c/p>\n\u003cp>Here’s an excerpt of their conversation, edited for clarity:\u003c/p>\n\u003cp>\u003cb>RACHAEL MYROW: Tell us more about ransomware attacks. How do they work exactly?\u003c/b>\u003c/p>\n\u003cp>DAVIS HAKE: Adversaries will start with a phishing attack, which is an impersonation, to try and get someone through email to click on a link, which gives them access to the account. The adversaries then work through low-level attacks to escalate their ability to get closer and closer to critical parts of a business. And then, once they’re there, they’ll deploy malware, which locks down a system.\u003c/p>\n\u003cp>It’s a type of attack that locks down critical parts of a business. And what attackers were really trying to do here is they’re trying to put pressure on the business to pay an extortion in order to restore services. Unfortunately, we’ve seen these types of attacks become more popular among criminals. Folks may remember the \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/06/28/534679950/petya-ransomware-hits-at-least-65-countries-microsoft-traces-it-to-tax-software\">“NotPetya”\u003c/a> ransomware attacks of 2017. After that time period, these types of attacks started growing in success. And over the pandemic, when we saw a shift to work from home, as well as major disruptions to health care systems, these attacks really took off and have been a major issue since.\u003c/p>\n\u003cp>\u003cb>Financial institutions know they’re big targets for hackers. So, what processes do they have in place to prevent these attacks?\u003c/b>\u003c/p>\n\u003cp>Security controls, such as multi-factor authentication, can help limit the adversary getting access to larger accounts. Having backups in place is critical, obviously, so you can restore without paying an extortion.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp> But a larger issue for ransomware victims is social pressure that extortionists put on the victim. Like in this case [of Patelco], there’s enormous social pressure to fix it. [That’s] what will oftentimes drive payment and extortion, which we always want to try and avoid. So, in this case, working on developing an incident response plan ahead of time and then following that plan ensures that you have business processes in place to account for disruptions.\u003c/p>\n\u003cp>\u003cb>What do we know, if anything, about the ransomware attack that hit Patelco?\u003c/b>\u003c/p>\n\u003cp>I don’t know the specifics of this case other than what’s been reported publicly. But for any individual, they should treat this just like a data breach. It’s critical to look into things like changing your passwords, which is always a good idea. Looking at other bank accounts, being alert for fraud that may be associated with the email that you use for banking, and then also to think about how this may impact your ability, if you’re a small business, to pay your vendors or your employees. Plan ahead for what this disruption might mean to your business.\u003c/p>\n\u003cp>When the city of Oakland was hit last year, it took a long time for some services to come back. But I know that they prioritized critical services coming in first. So, you know, general cyber hygiene is what you can take advantage of for your own self.\u003c/p>\n\u003cp>\u003cb>How can the rest of us prepare ourselves to avoid or limit the damage from future attacks of this nature? Should we also be thinking in terms of distributed banking, making sure that we don’t pay everything from the same account?\u003c/b>\u003c/p>\n\u003cp>Certainly. So, thinking through; what is your own backup plan? How can you ensure resiliency to your services? This is actually what we teach folks experiencing ransomware incidents. The idea is to make sure that your business, and the critical functions of that business can keep on operating, even when disrupted. And [that’s] even in a case where it may take weeks for services to come back online.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>While the federal government appears content to sit back and wait, more than 40 U.S. states are \u003ca href=\"https://www.ncsl.org/technology-and-communication/artificial-intelligence-2024-legislation\">considering hundreds of AI regulation bills\u003c/a>.\u003c/p>\n\u003cp>California, with its status as a tech-forward state and huge economy, has a chance to lead the way. So much so, in fact, that the European Union is trying to coordinate with the state on AI laws. The EU opened an office in San Francisco in 2022 and dispatched a tech envoy, Gerard de Graaf, to better communicate about laws and regulations around AI.\u003c/p>\n\u003cp>We are living through what de Graaf calls “the year of AI.” De Graaf and deputy head of the EU office in San Francisco Joanna Smolinska told CalMatters that if California lawmakers pass AI regulation in the coming months, the state can emerge as a standard bearer for the regulation of AI in the United States. In other words: California’s laws could influence the future of AI as we know it.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Last month, de Graaf \u003ca href=\"https://x.com/euinsf/status/1782583754227089819?s=46&t=Wgm0bsQsE3C1xGwJEnt30w\">traveled to Sacramento\u003c/a> to speak with several state lawmakers key to AI regulation:\u003c/p>\n\u003cul>\n\u003cli>Assemblymember Rebecca Bauer-Kahan, a San Ramon Democrat, is author of a bill that \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2930?slug=CA_202320240AB2930\">requires businesses and state agencies report results of AI model tests\u003c/a> in an effort to prohibit automated discrimination.\u003c/li>\n\u003cli>Democratic state Sen. Scott Wiener from San Francisco is author of a \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240sb1047?slug=CA_202320240SB1047\">bill to regulate generative AI\u003c/a>.\u003c/li>\n\u003cli>Assemblymember Buffy Wicks, an East Bay Democrat, is author of a bill that would require online platforms put \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab3211?slug=CA_202320240AB3211\">watermarks on images and videos generated by AI\u003c/a> — sometimes referred to as “deepfakes” — ahead of elections this fall.\u003c/li>\n\u003cli>And state Sen. Tom Umberg, chair of the Senate Judiciary Committee, who was referred to \u003ca href=\"https://www.politico.com/newsletters/california-playbook/2024/04/15/meet-californias-chief-gatekeeper-for-ai-rules-00152184\">by Politico\u003c/a> as “California’s chief gatekeeper for AI rules.”\u003cstrong> \u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>The meeting to discuss the bills was at least the sixth trip de Graaf or other EU officials made to Sacramento in two months. EU officials who helped write the AI Act and EU Commission Vice President Josep Fontelles also made trips to Sacramento and Silicon Valley in recent weeks.\u003c/p>\n\u003cp>This week, EU leaders ended a years-long process with the \u003ca href=\"https://www.consilium.europa.eu/en/press/press-releases/2024/05/21/artificial-intelligence-ai-act-council-gives-final-green-light-to-the-first-worldwide-rules-on-ai/\">passage of the AI Act\u003c/a>, which regulates use of artificial intelligence in 27 nations. It bans emotion recognition at school and in the workplace, prohibits \u003ca href=\"https://www.technologyreview.com/2022/11/22/1063605/china-announced-a-new-social-credit-law-what-does-it-mean/\">social credit scores\u003c/a> such as the kind used in China to reward or punish certain kinds of behavior and some instances of predictive policing. The AI Act applies high risk labels for AI in health care, hiring, and issuing government benefits.\u003c/p>\n\u003cp>There are some notable differences between the EU law and what California lawmakers are considering. The AI Act addresses how law enforcement agencies can use AI, while Bauer-Kahan’s bill does not, and Wicks’ watermarking bill could end up stronger than AI Act requirements. But the California bills and the AI Act both take a risk-based approach to regulation, both advise continued testing and assessment of forms of AI deemed high risk, and both call for watermarking generative AI outputs.\u003c/p>\n\u003cp>“If you take these three bills together, you’re probably at 70%–80% of what we cover in the AI Act,” de Graaf said. “It’s a very solid relationship that we both benefit from.”\u003c/p>\n\u003cp>In the meeting, de Graaf said they discussed draft AI bills, AI bias and risk assessments, advanced AI models, the state of watermarking images and videos made by AI, and which issues to prioritize. The San Francisco office works under the authority of the EU delegation in Washington, D.C., to promote EU tech policy and strengthen cooperation with influential tech and policy figures in the United States.\u003c/p>\n\u003cp>Artificial intelligence can make predictions about people including what movies they want to watch on Netflix or the next words in a sentence, but without high standards and continuous testing, AI that makes critical decisions about people’s lives can automate discrimination. AI has a history of harming people of color, such as \u003ca href=\"https://www.wired.com/story/face-recognition-software-led-to-his-arrest-it-was-dead-wrong/\">police use of face recognition\u003c/a>, \u003ca href=\"https://themarkup.org/locked-out/2021/01/11/the-obscure-yet-powerful-tenant-screening-industry-is-finally-getting-some-scrutiny\">deciding whether to grant an apartment\u003c/a> or \u003ca href=\"https://themarkup.org/denied/2021/08/25/the-secret-bias-hidden-in-mortgage-approval-algorithms\">home mortgage application\u003c/a>. The technology has a demonstrated ability to adversely affect the lives of most people, including women, people with disabilities, the young, the old, and \u003ca href=\"https://calmatters.org/economy/technology/2024/03/california-ai-purchasing-guidelines/\">people who apply for government benefits\u003c/a>.\u003c/p>\n\u003cp>In a recent \u003ca href=\"https://www.kqed.org/news/11983391/meet-the-o-c-state-senator-guiding-californias-ai-regulations\">interview with KQED\u003c/a>, Umberg talked about the importance of striking a balance, insisting “We could get this wrong.” Too little regulation could lead to catastrophic consequences for society, and too much could “strangle the AI industry” that calls California home.\u003c/p>\n\u003cp>Coordination between California and EU officials attempts to combine regulatory initiatives in two uniquely influential markets.\u003c/p>\n\u003cfigure id=\"attachment_11987807\" class=\"wp-caption alignnone\" style=\"max-width: 1568px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11987807\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy.jpg\" alt=\"\" width=\"1568\" height=\"1045\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy.jpg 1568w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1568px) 100vw, 1568px\">\u003cfigcaption class=\"wp-caption-text\">Gerard de Graaf, senior envoy for digital to the US and head of the European Union office in San Francisco. Photo via Graaf’s X account. \u003ccite>(Illustration by Adriana Heldiz/CalMatters/iStock)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The majority of the top AI companies are \u003ca href=\"https://www.forbes.com.au/news/innovation/ai-50-the-top-artificial-intelligence-startups/\">based in California\u003c/a>, and according to startup tracker Crunchbase, for the past eight months, companies in \u003ca href=\"https://news.crunchbase.com/ai/sf-bay-area-leads-tech-startup-funding\">the San Francisco Bay Area raised more AI investment money than the rest of the world combined\u003c/a>.\u003c/p>\n\u003cp>The General Data Protection Regulation, better known as GDPR, is the European Union’s best known legislation for privacy protection. It also led to coinage of the term “the Brussels effect,” when enforcement of a single law leads to outsized influence in other countries. In this case, the EU law forced tech companies to adopt stricter user protections if they wanted access to the region’s 450 million residents. That law went into effect in 2018, the same year that California passed a similar law. \u003ca href=\"https://techpolicy.unc.edu/wp-content/uploads/2023/12/CTP_state-tech-policy-2023.pdf\">More than a dozen U.S. states followed suit (PDF)\u003c/a>.\u003c/p>\n\u003ch2 id=\"h-defining-ai\" class=\"wp-block-heading\">Defining AI\u003c/h2>\n\u003cp>Coordination is necessary, de Graaf said, because technology is a global industry and it’s important to avoid policy that makes it complicated for businesses to comply with rules around the world.\u003c/p>\n\u003cp>One of the first steps to working together is a shared definition of how to define artificial intelligence so you agree on what technology is covered under a law. De Graaf said his office worked with Bauer-Kahan and Umberg on how to define AI “because if you have very different definitions to start with then convergence or harmonization is almost impossible.”\u003c/p>\n\u003cp>Given the recent passage of the AI Act, the absence of federal action, and the complexity of regulating AI, the Senate Judiciary staff lawyers held numerous meetings with EU officials and staff, Umberg told CalMatters in a statement. The definition of AI used by the California Senate Judiciary committee is informed by a number of voices including federal agencies, the Organization for Economic Co-operation and Development, and the EU.\u003c/p>\n\u003cp>“I strongly believe that we can learn from each other’s work and responsibly regulate AI without harming innovation in this dynamic and quickly-changing environment” Umberg told CalMatters in a written statement.\u003c/p>\n\u003cp>The trio of bills discussed with de Graaf in April passed their respective houses this week. He suspects questions from California lawmakers will get more specific as bills move closer to adoption.\u003c/p>\n\u003cp>California lawmakers\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billSearchClient.xhtml?session_year=20232024&keyword=artificial%20intelligence&house=Both&author=All&lawCode=All\"> proposed more than 100 bills\u003c/a> to regulate AI in the current legislative session.\u003c/p>\n\u003cp>“I think what is now the imperative for the Legislature is to whittle the bills down to a more manageable number,” he said. “I mean, there’s over 50 so that we focused particularly on the bills to these Assembly members or senators themselves.”\u003c/p>\n\u003ch2 id=\"h-state-agency-also-seeks-to-protect-californians-privacy\" class=\"wp-block-heading\">State agency also seeks to protect Californians’ privacy\u003c/h2>\n\u003cp>Elected officials and their staff aren’t the only ones speaking with EU officials. The California Privacy Protection Agency — a state agency made to protect people’s privacy and \u003ca href=\"https://calmatters.org/economy/technology/2024/04/data-broker-registry/\">require businesses comply with data deletion requests\u003c/a> — also speaks regularly with EU officials, including de Graaf.\u003c/p>\n\u003cp>[aside label=\"Related Stories\" postID=\"news_11979306,news_11976097,news_11986133\"]Most states with privacy protection laws rely on state attorneys general for enforcement. California is the only state with an independent agency with enforcement authority to audit businesses, levy fines, or bring businesses to court, said agency executive director Ashkan Soltanti, because key elements of the EU’s privacy protection law influenced the formation of California’s privacy law. De Graaf and Soltani testified about similarities between definitions of AI in California and the EU in \u003ca href=\"https://digitaldemocracy.calmatters.org/hearings/257521?t=3&f=0036d9e555a8bb5dbad0926ac136f3b7\">an assembly privacy committee hearing in February\u003c/a>.\u003c/p>\n\u003cp>“The roots of the agency were inspired at great length by the General Data Protection Regulation (GDPR),” Soltani said. “There’s an interest and a goal, and in fact \u003ca href=\"https://thecpra.org/#1798.199.40(i)\">our statute directs us\u003c/a> to, where possible, make sure that our approach is harmonious with frameworks in other jurisdictions, not just states but internationally as well.”\u003c/p>\n\u003cp>Soltani was hired when the agency was created in 2021. He told CalMatters international coordination is a big part of the job. After hiring staff and attorneys, one of his first orders of business was joining the Global Privacy Assembly, a group of 140 data privacy authorities from around the world. California is the only U.S. state that is a member of the group.\u003c/p>\n\u003cp>Alignment is important for setting the rules of the road for businesses but also for consumers to protect themselves and their communities in a digital world where borders blur.\u003c/p>\n\u003cp>“They don’t think whether they’re doing business with a California company or a European company or an Asian company, particularly if it’s all in English, they just think they’re interacting online, so having consistent frameworks for protection ultimately benefits consumers,” Soltani said.\u003c/p>\n\u003cp>Like California lawmakers, \u003ca href=\"https://calmatters.org/economy/technology/2024/03/california-ai-rules-business/\">the California Privacy Protection Agency is in the process of writing rules for how businesses use AI\u003c/a> and protections for consumers, students and workers. And like the AI Act, draft rules call for impact assessments. Its five-member board will consider passing rules into law in July.\u003c/p>\n\u003cp>The last day of the legislative calendar year for California lawmakers to pass a bill into law is Aug. 31.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>While the federal government appears content to sit back and wait, more than 40 U.S. states are \u003ca href=\"https://www.ncsl.org/technology-and-communication/artificial-intelligence-2024-legislation\">considering hundreds of AI regulation bills\u003c/a>.\u003c/p>\n\u003cp>California, with its status as a tech-forward state and huge economy, has a chance to lead the way. So much so, in fact, that the European Union is trying to coordinate with the state on AI laws. The EU opened an office in San Francisco in 2022 and dispatched a tech envoy, Gerard de Graaf, to better communicate about laws and regulations around AI.\u003c/p>\n\u003cp>We are living through what de Graaf calls “the year of AI.” De Graaf and deputy head of the EU office in San Francisco Joanna Smolinska told CalMatters that if California lawmakers pass AI regulation in the coming months, the state can emerge as a standard bearer for the regulation of AI in the United States. In other words: California’s laws could influence the future of AI as we know it.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Last month, de Graaf \u003ca href=\"https://x.com/euinsf/status/1782583754227089819?s=46&t=Wgm0bsQsE3C1xGwJEnt30w\">traveled to Sacramento\u003c/a> to speak with several state lawmakers key to AI regulation:\u003c/p>\n\u003cul>\n\u003cli>Assemblymember Rebecca Bauer-Kahan, a San Ramon Democrat, is author of a bill that \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab2930?slug=CA_202320240AB2930\">requires businesses and state agencies report results of AI model tests\u003c/a> in an effort to prohibit automated discrimination.\u003c/li>\n\u003cli>Democratic state Sen. Scott Wiener from San Francisco is author of a \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240sb1047?slug=CA_202320240SB1047\">bill to regulate generative AI\u003c/a>.\u003c/li>\n\u003cli>Assemblymember Buffy Wicks, an East Bay Democrat, is author of a bill that would require online platforms put \u003ca href=\"https://digitaldemocracy.calmatters.org/bills/ca_202320240ab3211?slug=CA_202320240AB3211\">watermarks on images and videos generated by AI\u003c/a> — sometimes referred to as “deepfakes” — ahead of elections this fall.\u003c/li>\n\u003cli>And state Sen. Tom Umberg, chair of the Senate Judiciary Committee, who was referred to \u003ca href=\"https://www.politico.com/newsletters/california-playbook/2024/04/15/meet-californias-chief-gatekeeper-for-ai-rules-00152184\">by Politico\u003c/a> as “California’s chief gatekeeper for AI rules.”\u003cstrong> \u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>The meeting to discuss the bills was at least the sixth trip de Graaf or other EU officials made to Sacramento in two months. EU officials who helped write the AI Act and EU Commission Vice President Josep Fontelles also made trips to Sacramento and Silicon Valley in recent weeks.\u003c/p>\n\u003cp>This week, EU leaders ended a years-long process with the \u003ca href=\"https://www.consilium.europa.eu/en/press/press-releases/2024/05/21/artificial-intelligence-ai-act-council-gives-final-green-light-to-the-first-worldwide-rules-on-ai/\">passage of the AI Act\u003c/a>, which regulates use of artificial intelligence in 27 nations. It bans emotion recognition at school and in the workplace, prohibits \u003ca href=\"https://www.technologyreview.com/2022/11/22/1063605/china-announced-a-new-social-credit-law-what-does-it-mean/\">social credit scores\u003c/a> such as the kind used in China to reward or punish certain kinds of behavior and some instances of predictive policing. The AI Act applies high risk labels for AI in health care, hiring, and issuing government benefits.\u003c/p>\n\u003cp>There are some notable differences between the EU law and what California lawmakers are considering. The AI Act addresses how law enforcement agencies can use AI, while Bauer-Kahan’s bill does not, and Wicks’ watermarking bill could end up stronger than AI Act requirements. But the California bills and the AI Act both take a risk-based approach to regulation, both advise continued testing and assessment of forms of AI deemed high risk, and both call for watermarking generative AI outputs.\u003c/p>\n\u003cp>“If you take these three bills together, you’re probably at 70%–80% of what we cover in the AI Act,” de Graaf said. “It’s a very solid relationship that we both benefit from.”\u003c/p>\n\u003cp>In the meeting, de Graaf said they discussed draft AI bills, AI bias and risk assessments, advanced AI models, the state of watermarking images and videos made by AI, and which issues to prioritize. The San Francisco office works under the authority of the EU delegation in Washington, D.C., to promote EU tech policy and strengthen cooperation with influential tech and policy figures in the United States.\u003c/p>\n\u003cp>Artificial intelligence can make predictions about people including what movies they want to watch on Netflix or the next words in a sentence, but without high standards and continuous testing, AI that makes critical decisions about people’s lives can automate discrimination. AI has a history of harming people of color, such as \u003ca href=\"https://www.wired.com/story/face-recognition-software-led-to-his-arrest-it-was-dead-wrong/\">police use of face recognition\u003c/a>, \u003ca href=\"https://themarkup.org/locked-out/2021/01/11/the-obscure-yet-powerful-tenant-screening-industry-is-finally-getting-some-scrutiny\">deciding whether to grant an apartment\u003c/a> or \u003ca href=\"https://themarkup.org/denied/2021/08/25/the-secret-bias-hidden-in-mortgage-approval-algorithms\">home mortgage application\u003c/a>. The technology has a demonstrated ability to adversely affect the lives of most people, including women, people with disabilities, the young, the old, and \u003ca href=\"https://calmatters.org/economy/technology/2024/03/california-ai-purchasing-guidelines/\">people who apply for government benefits\u003c/a>.\u003c/p>\n\u003cp>In a recent \u003ca href=\"https://www.kqed.org/news/11983391/meet-the-o-c-state-senator-guiding-californias-ai-regulations\">interview with KQED\u003c/a>, Umberg talked about the importance of striking a balance, insisting “We could get this wrong.” Too little regulation could lead to catastrophic consequences for society, and too much could “strangle the AI industry” that calls California home.\u003c/p>\n\u003cp>Coordination between California and EU officials attempts to combine regulatory initiatives in two uniquely influential markets.\u003c/p>\n\u003cfigure id=\"attachment_11987807\" class=\"wp-caption alignnone\" style=\"max-width: 1568px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11987807\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy.jpg\" alt=\"\" width=\"1568\" height=\"1045\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy.jpg 1568w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/Gerard-de-Graaf_AH_CM_01-copy-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1568px) 100vw, 1568px\">\u003cfigcaption class=\"wp-caption-text\">Gerard de Graaf, senior envoy for digital to the US and head of the European Union office in San Francisco. Photo via Graaf’s X account. \u003ccite>(Illustration by Adriana Heldiz/CalMatters/iStock)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The majority of the top AI companies are \u003ca href=\"https://www.forbes.com.au/news/innovation/ai-50-the-top-artificial-intelligence-startups/\">based in California\u003c/a>, and according to startup tracker Crunchbase, for the past eight months, companies in \u003ca href=\"https://news.crunchbase.com/ai/sf-bay-area-leads-tech-startup-funding\">the San Francisco Bay Area raised more AI investment money than the rest of the world combined\u003c/a>.\u003c/p>\n\u003cp>The General Data Protection Regulation, better known as GDPR, is the European Union’s best known legislation for privacy protection. It also led to coinage of the term “the Brussels effect,” when enforcement of a single law leads to outsized influence in other countries. In this case, the EU law forced tech companies to adopt stricter user protections if they wanted access to the region’s 450 million residents. That law went into effect in 2018, the same year that California passed a similar law. \u003ca href=\"https://techpolicy.unc.edu/wp-content/uploads/2023/12/CTP_state-tech-policy-2023.pdf\">More than a dozen U.S. states followed suit (PDF)\u003c/a>.\u003c/p>\n\u003ch2 id=\"h-defining-ai\" class=\"wp-block-heading\">Defining AI\u003c/h2>\n\u003cp>Coordination is necessary, de Graaf said, because technology is a global industry and it’s important to avoid policy that makes it complicated for businesses to comply with rules around the world.\u003c/p>\n\u003cp>One of the first steps to working together is a shared definition of how to define artificial intelligence so you agree on what technology is covered under a law. De Graaf said his office worked with Bauer-Kahan and Umberg on how to define AI “because if you have very different definitions to start with then convergence or harmonization is almost impossible.”\u003c/p>\n\u003cp>Given the recent passage of the AI Act, the absence of federal action, and the complexity of regulating AI, the Senate Judiciary staff lawyers held numerous meetings with EU officials and staff, Umberg told CalMatters in a statement. The definition of AI used by the California Senate Judiciary committee is informed by a number of voices including federal agencies, the Organization for Economic Co-operation and Development, and the EU.\u003c/p>\n\u003cp>“I strongly believe that we can learn from each other’s work and responsibly regulate AI without harming innovation in this dynamic and quickly-changing environment” Umberg told CalMatters in a written statement.\u003c/p>\n\u003cp>The trio of bills discussed with de Graaf in April passed their respective houses this week. He suspects questions from California lawmakers will get more specific as bills move closer to adoption.\u003c/p>\n\u003cp>California lawmakers\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billSearchClient.xhtml?session_year=20232024&keyword=artificial%20intelligence&house=Both&author=All&lawCode=All\"> proposed more than 100 bills\u003c/a> to regulate AI in the current legislative session.\u003c/p>\n\u003cp>“I think what is now the imperative for the Legislature is to whittle the bills down to a more manageable number,” he said. “I mean, there’s over 50 so that we focused particularly on the bills to these Assembly members or senators themselves.”\u003c/p>\n\u003ch2 id=\"h-state-agency-also-seeks-to-protect-californians-privacy\" class=\"wp-block-heading\">State agency also seeks to protect Californians’ privacy\u003c/h2>\n\u003cp>Elected officials and their staff aren’t the only ones speaking with EU officials. The California Privacy Protection Agency — a state agency made to protect people’s privacy and \u003ca href=\"https://calmatters.org/economy/technology/2024/04/data-broker-registry/\">require businesses comply with data deletion requests\u003c/a> — also speaks regularly with EU officials, including de Graaf.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Most states with privacy protection laws rely on state attorneys general for enforcement. California is the only state with an independent agency with enforcement authority to audit businesses, levy fines, or bring businesses to court, said agency executive director Ashkan Soltanti, because key elements of the EU’s privacy protection law influenced the formation of California’s privacy law. De Graaf and Soltani testified about similarities between definitions of AI in California and the EU in \u003ca href=\"https://digitaldemocracy.calmatters.org/hearings/257521?t=3&f=0036d9e555a8bb5dbad0926ac136f3b7\">an assembly privacy committee hearing in February\u003c/a>.\u003c/p>\n\u003cp>“The roots of the agency were inspired at great length by the General Data Protection Regulation (GDPR),” Soltani said. “There’s an interest and a goal, and in fact \u003ca href=\"https://thecpra.org/#1798.199.40(i)\">our statute directs us\u003c/a> to, where possible, make sure that our approach is harmonious with frameworks in other jurisdictions, not just states but internationally as well.”\u003c/p>\n\u003cp>Soltani was hired when the agency was created in 2021. He told CalMatters international coordination is a big part of the job. After hiring staff and attorneys, one of his first orders of business was joining the Global Privacy Assembly, a group of 140 data privacy authorities from around the world. California is the only U.S. state that is a member of the group.\u003c/p>\n\u003cp>Alignment is important for setting the rules of the road for businesses but also for consumers to protect themselves and their communities in a digital world where borders blur.\u003c/p>\n\u003cp>“They don’t think whether they’re doing business with a California company or a European company or an Asian company, particularly if it’s all in English, they just think they’re interacting online, so having consistent frameworks for protection ultimately benefits consumers,” Soltani said.\u003c/p>\n\u003cp>Like California lawmakers, \u003ca href=\"https://calmatters.org/economy/technology/2024/03/california-ai-rules-business/\">the California Privacy Protection Agency is in the process of writing rules for how businesses use AI\u003c/a> and protections for consumers, students and workers. And like the AI Act, draft rules call for impact assessments. Its five-member board will consider passing rules into law in July.\u003c/p>\n\u003cp>The last day of the legislative calendar year for California lawmakers to pass a bill into law is Aug. 31.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>A few days ahead of its annual conference, the Latinas in Tech headquarters in Moraga is flush with tote bags, T-shirts and other swag emblazoned with the word “jefa,” female boss.\u003c/p>\n\u003cp>“Jefa is an attitude, making sure you get what you deserve and are delivering excellent work,” said Rocío van Nierop, co-founder and CEO of Latinas in Tech, which helps with networking and career growth in the U.S. and six other countries.\u003c/p>\n\u003cp>A focus of this year’s conference, which starts Thursday in San Francisco, isn’t just about pushing Latinas to feel like bosses — but to become them.\u003c/p>\n\u003cp>The organization’s latest annual survey data indicates a troubling trend: 64% of its members feel stuck in low-level positions, even though most of those have enough experience to advance.\u003c/p>\n\u003cp>Studies show that Latinas face numerous biases in the tech industry — such as being seen as uncommitted or less competent after having children or coming off as “feisty” instead of authoritative when they speak up, said Joan Williams, director of the Center for WorkLife Law and professor at the University of California, Hastings.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>According to Williams, women overall receive different treatment than men — who are often promoted based on potential, whereas women have to show more accomplishments. Research has also found that managers tend to give men more high-profile assignments that lead to promotions than they do to women.\u003c/p>\n\u003cfigure id=\"attachment_11986375\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11986375\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg\" alt=\"Two Latina women sit on stage with microphones in a large room.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Rocío van Nierop, CEO of Latinas in Tech, talks with Ellen Ochoa, the first Latina in space and former NASA director, at the Latinas in Tech Summit 2023. \u003ccite>(Courtesy of Priscilla Reyes)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Van Nierop said many of Latinas in Tech’s 33,000 members have experienced those findings firsthand. According to the annual survey, only 17% reported receiving a promotion with a raise in 2023.\u003c/p>\n\u003cp>Entering the industry is hard enough, van Nierop said. Latinas only make up about \u003ca href=\"https://www.devry.edu/newsroom/news/2022/current-realities-of-latinos-in-tech-careers.html#:~:text=They%20remain%20highly%20underrepresented%20in,of%20the%20U.S.%20tech%20workforce.\">2\u003c/a>% of the tech workforce, and the number hasn’t budged in five years.\u003c/p>\n\u003cp>“What we need is hiring managers that are from our community, and there are people that are qualified,” van Nierop said. “People hire people that they get to know in their networks.”\u003c/p>\n\u003cp>[aside postID=\"news_11972955,news_11958548\" label=\"Related Stories\"]Latinas in Tech member Ivonne Mondragon has recruited workers for tech companies, including Meta, the parent company of Facebook, and now Qcells, a solar panel maker. She wants to see a much bigger pipeline of Latinas entering tech, and that process needs to start when they are in high school or college, she said.\u003c/p>\n\u003cp>“Regardless of what company I’ve been with, the talent for the need is just not there. It’s really a numbers game,” Mondragon said. “Speaking for Latinas, we’re starting to get into tech more. But if we knew about it earlier on, at an early age, it would definitely allow for more success.”\u003c/p>\n\u003cp>Elizabeth Vasquez, 30, grew up in San Jose knowing the tech industry was in her backyard, but she didn’t know anyone who worked in tech. A few years into her career in marketing, she decided to give tech a try.\u003c/p>\n\u003cp>She found a job at a medical technology startup, then some big names came calling. The first was Meta, the parent company of Facebook, then LinkedIn, and then Google. Then, in January 2023, Google laid her off amid a wave of job cuts. It took her a year to land a new role as a marketing manager, this time as a contractor for Google.\u003c/p>\n\u003cp>During her year of unemployment, she applied for leadership roles — and was routinely rejected.\u003c/p>\n\u003cp>“I really thought about whether being in the tech space was worth it and something I still wanted,” she said. “I was seeing just how difficult it was for me to land more senior roles that were aligned with the years of experience and the skill sets that I have.”\u003c/p>\n\u003cp>Now that she’s back in the workforce, she said she feels more confident about asking for opportunities to move into management.\u003c/p>\n\u003cp>“This time around, I’m asking for a lot more direct feedback from my manager,” she said. “I definitely want to remain in the tech space. It’s something that I still find joy in and that I have a true passion for.”\u003c/p>\n\u003cp>Oakland resident Joanne da Luz had been teaching high school math at a charter school for over a decade when she decided to pivot to a career in tech.\u003c/p>\n\u003cp>That desire came from a similar place to her desire to teach — to empower kids of color.\u003c/p>\n\u003cp>“I wanted to be the person that looks like you if you want to pursue this,” she said. “Tech opens up so much access and opportunity, especially in the Bay Area. It can change your world financially. ”\u003c/p>\n\u003cp>She earned her MBA from Mills College in 2013 and thought she would easily land a job in educational or financial tech. She was wrong.\u003c/p>\n\u003cp>“I thought, okay, I’m a Latina, I’m a first (generation college graduate), I’m a catch for a tech company,” da Luz said. “I couldn’t even get a ‘hello.’”\u003c/p>\n\u003cp>Getting hired, “was way more difficult than I ever could have anticipated. It was because I didn’t have a network.”\u003c/p>\n\u003cp>She withstood rejection after rejection until some of her classmates from Mills hired her to work at their edtech startup. She loved her work as a product manager but then was laid off — a pattern that repeated itself several times. Finally, in 2022, she landed a role as a senior product manager at Amazon.\u003c/p>\n\u003cp>Two years later, in March, da Luz was laid off again. But, this time, she has a much stronger network she has made through past jobs and through organizations, like Latinas in Tech, which she has been a part of for several years. She looks forward to attending the conference this week.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>“It’s like a little dose of fun and of being around people that look like you and sound like you are trying to do the same things,” da Luz said. “It just keeps me going to try to continue to access the opportunities in the tech industry.”\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>A few days ahead of its annual conference, the Latinas in Tech headquarters in Moraga is flush with tote bags, T-shirts and other swag emblazoned with the word “jefa,” female boss.\u003c/p>\n\u003cp>“Jefa is an attitude, making sure you get what you deserve and are delivering excellent work,” said Rocío van Nierop, co-founder and CEO of Latinas in Tech, which helps with networking and career growth in the U.S. and six other countries.\u003c/p>\n\u003cp>A focus of this year’s conference, which starts Thursday in San Francisco, isn’t just about pushing Latinas to feel like bosses — but to become them.\u003c/p>\n\u003cp>The organization’s latest annual survey data indicates a troubling trend: 64% of its members feel stuck in low-level positions, even though most of those have enough experience to advance.\u003c/p>\n\u003cp>Studies show that Latinas face numerous biases in the tech industry — such as being seen as uncommitted or less competent after having children or coming off as “feisty” instead of authoritative when they speak up, said Joan Williams, director of the Center for WorkLife Law and professor at the University of California, Hastings.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>According to Williams, women overall receive different treatment than men — who are often promoted based on potential, whereas women have to show more accomplishments. Research has also found that managers tend to give men more high-profile assignments that lead to promotions than they do to women.\u003c/p>\n\u003cfigure id=\"attachment_11986375\" class=\"wp-caption aligncenter\" style=\"max-width: 2000px\">\u003ca href=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11986375\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg\" alt=\"Two Latina women sit on stage with microphones in a large room.\" width=\"2000\" height=\"1333\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED.jpg 2000w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1536x1024.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/LIT-SUMMIT-2023-ROCIO-W_-ELLEN-OCHOA-KQED-1920x1280.jpg 1920w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Rocío van Nierop, CEO of Latinas in Tech, talks with Ellen Ochoa, the first Latina in space and former NASA director, at the Latinas in Tech Summit 2023. \u003ccite>(Courtesy of Priscilla Reyes)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Van Nierop said many of Latinas in Tech’s 33,000 members have experienced those findings firsthand. According to the annual survey, only 17% reported receiving a promotion with a raise in 2023.\u003c/p>\n\u003cp>Entering the industry is hard enough, van Nierop said. Latinas only make up about \u003ca href=\"https://www.devry.edu/newsroom/news/2022/current-realities-of-latinos-in-tech-careers.html#:~:text=They%20remain%20highly%20underrepresented%20in,of%20the%20U.S.%20tech%20workforce.\">2\u003c/a>% of the tech workforce, and the number hasn’t budged in five years.\u003c/p>\n\u003cp>“What we need is hiring managers that are from our community, and there are people that are qualified,” van Nierop said. “People hire people that they get to know in their networks.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Latinas in Tech member Ivonne Mondragon has recruited workers for tech companies, including Meta, the parent company of Facebook, and now Qcells, a solar panel maker. She wants to see a much bigger pipeline of Latinas entering tech, and that process needs to start when they are in high school or college, she said.\u003c/p>\n\u003cp>“Regardless of what company I’ve been with, the talent for the need is just not there. It’s really a numbers game,” Mondragon said. “Speaking for Latinas, we’re starting to get into tech more. But if we knew about it earlier on, at an early age, it would definitely allow for more success.”\u003c/p>\n\u003cp>Elizabeth Vasquez, 30, grew up in San Jose knowing the tech industry was in her backyard, but she didn’t know anyone who worked in tech. A few years into her career in marketing, she decided to give tech a try.\u003c/p>\n\u003cp>She found a job at a medical technology startup, then some big names came calling. The first was Meta, the parent company of Facebook, then LinkedIn, and then Google. Then, in January 2023, Google laid her off amid a wave of job cuts. It took her a year to land a new role as a marketing manager, this time as a contractor for Google.\u003c/p>\n\u003cp>During her year of unemployment, she applied for leadership roles — and was routinely rejected.\u003c/p>\n\u003cp>“I really thought about whether being in the tech space was worth it and something I still wanted,” she said. “I was seeing just how difficult it was for me to land more senior roles that were aligned with the years of experience and the skill sets that I have.”\u003c/p>\n\u003cp>Now that she’s back in the workforce, she said she feels more confident about asking for opportunities to move into management.\u003c/p>\n\u003cp>“This time around, I’m asking for a lot more direct feedback from my manager,” she said. “I definitely want to remain in the tech space. It’s something that I still find joy in and that I have a true passion for.”\u003c/p>\n\u003cp>Oakland resident Joanne da Luz had been teaching high school math at a charter school for over a decade when she decided to pivot to a career in tech.\u003c/p>\n\u003cp>That desire came from a similar place to her desire to teach — to empower kids of color.\u003c/p>\n\u003cp>“I wanted to be the person that looks like you if you want to pursue this,” she said. “Tech opens up so much access and opportunity, especially in the Bay Area. It can change your world financially. ”\u003c/p>\n\u003cp>She earned her MBA from Mills College in 2013 and thought she would easily land a job in educational or financial tech. She was wrong.\u003c/p>\n\u003cp>“I thought, okay, I’m a Latina, I’m a first (generation college graduate), I’m a catch for a tech company,” da Luz said. “I couldn’t even get a ‘hello.’”\u003c/p>\n\u003cp>Getting hired, “was way more difficult than I ever could have anticipated. It was because I didn’t have a network.”\u003c/p>\n\u003cp>She withstood rejection after rejection until some of her classmates from Mills hired her to work at their edtech startup. She loved her work as a product manager but then was laid off — a pattern that repeated itself several times. Finally, in 2022, she landed a role as a senior product manager at Amazon.\u003c/p>\n\u003cp>Two years later, in March, da Luz was laid off again. But, this time, she has a much stronger network she has made through past jobs and through organizations, like Latinas in Tech, which she has been a part of for several years. She looks forward to attending the conference this week.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Apple is laying off more than 600 workers in California, marking the company’s first big wave of post-pandemic job cuts amid a broader wave of tech industry consolidation.\u003c/p>\n\u003cp>The iPhone maker notified 614 workers in multiple offices on March 28 that they were losing their jobs, with the layoffs becoming effective on May 27, according to reports to regional authorities.\u003c/p>\n\u003cp>The workers were cut from eight Santa Clara offices, according to the filings under the state’s Worker Adjustment and Retraining Notification Act, also known as WARN. But it’s unclear which departments or projects the employees were involved in.\u003c/p>\n\u003cp>Apple did not immediately respond to a request for comment early Friday.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The Cupertino company had been a notable exception as other tech companies slashed their workforces over the past two years. There was a massive surge in hiring during the COVID-19 pandemic, when people spent more time and money online, and big tech companies are still larger than before the pandemic. Still, as growth slows, companies are focusing on cutting costs. [aside postID=news_11979609 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2024/03/240313-GAMEINDUSTRY-JY-003-KQED-1020x680.jpg']In a recent regulatory filing, Apple said it had about 161,000 full-time equivalent employees.\u003c/p>\n\u003cp>Earlier this week, Amazon announced a \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/amazon-aws-layoffs-cloud-a26feee15793a65dca046b99e780943e#:~:text=In%20addition%20to%20the%20physical,as%20well%20as%20sales%20operations.\">fresh round of layoffs\u003c/a>, this time at its cloud computing business AWS. In recent months, video game maker \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/electronic-arts-layoffs-sony-microsoft-8725a896ccbd19c324b48f8c69981677\">Electronic Arts\u003c/a> said it’s cutting about 5% of its workforce, \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/sony-interactive-jobs-playstation-1f85ae1c0bdda667bd59ee87ac912000\">Sony\u003c/a> said it is axing about 900 jobs in its PlayStation division, \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/cisco-systems-layoffs-technology-trend-artificial-intelligence-28dc2ba343f65151c2187fd3f446ee7e\">Cisco Systems\u003c/a> revealed plans to lay off more than 4,000 workers and social media company Snap, owner of \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/snapchat-snap-layoffs-tech-b67df4deb437af7fc1612425a379cdd4\">Snapchat\u003c/a>, announced it is slashing 10% of its global workforce.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Apple is laying off more than 600 workers in California, marking the company’s first big wave of post-pandemic job cuts amid a broader wave of tech industry consolidation.\u003c/p>\n\u003cp>The iPhone maker notified 614 workers in multiple offices on March 28 that they were losing their jobs, with the layoffs becoming effective on May 27, according to reports to regional authorities.\u003c/p>\n\u003cp>The workers were cut from eight Santa Clara offices, according to the filings under the state’s Worker Adjustment and Retraining Notification Act, also known as WARN. But it’s unclear which departments or projects the employees were involved in.\u003c/p>\n\u003cp>Apple did not immediately respond to a request for comment early Friday.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The Cupertino company had been a notable exception as other tech companies slashed their workforces over the past two years. There was a massive surge in hiring during the COVID-19 pandemic, when people spent more time and money online, and big tech companies are still larger than before the pandemic. Still, as growth slows, companies are focusing on cutting costs. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>In a recent regulatory filing, Apple said it had about 161,000 full-time equivalent employees.\u003c/p>\n\u003cp>Earlier this week, Amazon announced a \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/amazon-aws-layoffs-cloud-a26feee15793a65dca046b99e780943e#:~:text=In%20addition%20to%20the%20physical,as%20well%20as%20sales%20operations.\">fresh round of layoffs\u003c/a>, this time at its cloud computing business AWS. In recent months, video game maker \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/electronic-arts-layoffs-sony-microsoft-8725a896ccbd19c324b48f8c69981677\">Electronic Arts\u003c/a> said it’s cutting about 5% of its workforce, \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/sony-interactive-jobs-playstation-1f85ae1c0bdda667bd59ee87ac912000\">Sony\u003c/a> said it is axing about 900 jobs in its PlayStation division, \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/cisco-systems-layoffs-technology-trend-artificial-intelligence-28dc2ba343f65151c2187fd3f446ee7e\">Cisco Systems\u003c/a> revealed plans to lay off more than 4,000 workers and social media company Snap, owner of \u003ca style=\"font-weight: var(--font-weight-reg)\" href=\"https://apnews.com/article/snapchat-snap-layoffs-tech-b67df4deb437af7fc1612425a379cdd4\">Snapchat\u003c/a>, announced it is slashing 10% of its global workforce.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"title": "What to Do After a Layoff: Unemployment, Health Insurance, and Other Benefits",
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"content": "\u003cp>\u003cem>This guide is part of the KQED News series \u003cstrong>\u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>Knowing what to do when you get laid off can feel like a daunting prospect — especially if losing your job came as a total shock.\u003c/p>\n\u003cp>We’ve compiled a list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible. Jump straight to:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#unemploymentbenefits\">Applying for unemployment benefits\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#healthinsurance\">Keeping your health insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#otherbenefits\">Other benefits you might not know you’re eligible for\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>… Or keep reading. As with the instructions for assembling furniture, you might find it helpful to read all this advice start to finish before you embark on these applications — to be prepared for any bumps you might encounter.\u003c/p>\n\u003ch2>Three tips to making applying for benefits after a layoff easier\u003c/h2>\n\u003cp>\u003cb>Your local government may have staff to help you do this\u003c/b>\u003c/p>\n\u003cp>Many cities and counties have their own offices, staff or programs specifically designed for people in your situation right now — which often have physical offices you can visit, or hotlines to call to ask a person your questions. These kinds of local resources can be particularly helpful in navigating the various benefits you could be entitled to, and aiding in the application processes.\u003c/p>\n\u003cp>Some offices, like the Department of Benefits and Family Support within \u003ca href=\"https://www.sfhsa.org/\">San Francisco’s Human Services Agency (SFHSA)\u003c/a>, can take your information in one central application and apply for those benefits on your behalf.\u003c/p>\n\u003cp>Having the help of a city staffer trained in these applications could save you a lot of time and stress, says Bart Ellison, program manager at SFHSA’s Workforce Development Division — not just because the process is streamlined, but because you’ll be able to ask these folks questions either in person or over the phone. It’s their job to help you — let them do it.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Your city or county may also have a program to help you find new employment, like \u003ca href=\"https://www.sfhsa.org/services/jobs/jobsnow\">SFHSA’s free JobsNOW! program\u003c/a>, which is open to San Francisco job seekers based on their income level, and matches job hunters with roles.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cdss.ca.gov/county-offices\">Find your local social services office in this statewide list.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Don’t feel weird about claiming the benefits you’re owed\u003c/b>\u003c/p>\n\u003cp>When it comes to claiming benefits after a layoff, Ellison wants to remind you that “we all pay for this through our taxes.”\u003c/p>\n\u003cp>“It’s great that if you don’t need it, it’s there. If you do need it, it’s there, and it should be accessed,” Ellison said. “There’s no shame in any of that.”\u003c/p>\n\u003cp>[aside postID=\"news_11957790,news_11970001,news_11967946,news_11968709\" label=\"COVID Resources and Explainers\"]A lot of people also just don’t know about the benefits they could be eligible for, says Ellison, or assume they won’t qualify.\u003c/p>\n\u003cp>He also says that some of the eligible job seekers he and his team work with in San Francisco might fear coming forward to apply if a member of their family is undocumented, because they think it will cause them problems. “We don’t get involved in any of that,” said Ellison. “They should never fear that situation.”\u003c/p>\n\u003cp>\u003cb>Try to be patient with how long the application process could take\u003c/b>\u003c/p>\n\u003cp>Ellison says he and his team “try not to ask a client for documents that we know we already have in the system” — but concedes that sometimes, this process will feel like providing endless documentation. The benefits you’re applying for can be a mix of federal and state funds, so unfortunately “it’s not just as simple as coming in and saying, ‘Hi, I’m Bart, could you sign me up?,’” said Ellison.\u003c/p>\n\u003cp>The more you can follow through with any documentation requests, hopefully the faster and smoother your application process will go. “And if you need more time or need help gathering stuff, that is what the eligibility staff are there for,” said Ellison. “They are there to \u003ci>help \u003c/i>you find some of these things. So you just need to kind of be your own advocate, and speak up.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Read more layoff advice in our \u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff \u003c/a>series\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"unemploymentbenefits\">\u003c/a>Step 1: Apply for unemployment benefits\u003c/h2>\n\u003cp>If you’ve been laid off, \u003ca href=\"https://edd.ca.gov/en/unemployment/apply/\">apply for unemployment insurance\u003c/a> (UI, also known just as “unemployment”) from the California Employment Development Department (EDD) as soon as you can. Not only could it take at least three weeks to receive any benefits payments from a successful claim, but your claim begins when you first apply for it — not the day you lose your job. So time is of the essence.\u003c/p>\n\u003cp>\u003cb>Who can claim unemployment benefits?\u003c/b>\u003c/p>\n\u003cp>If you’re reading this and you \u003ci>chose\u003c/i> to leave your job, you usually aren’t eligible to claim unemployment. The exception to this is if you quit your job for what EDD calls “good cause,” which can include unsafe working conditions or a doctor’s advice. Whether or not you’re eligible to still claim UI in this situation will be determined by a phone interview with an EDD representative.\u003c/p>\n\u003cp>When applying for UI, you’ll have to show EDD that you have earned enough wages during the base period of 12 months, are totally or partially unemployed, are “unemployed through no fault of your own,” are physically able to work, are available for work and are ready and willing to accept work immediately.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>EDD will also ask you to show that you are “in satisfactory immigration status and authorized to work in the United States” not only now, but when you were earning the wages you’re using to establish your claim. EDD also warns that it will verify your immigration status and work authorization through the Department of Homeland Security.\u003c/p>\n\u003cp>You can \u003ca href=\"https://edd.ca.gov/en/unemployment/UI-Calculator/\">calculate the amount of unemployment benefits you can receive using this tool\u003c/a>. Remember that the amount of unemployment you’ll receive is based on your wages over the last 18 months, calculated by EDD from a base period of 12 months within that time — and if you didn’t earn any wages during that period, you won’t qualify for unemployment benefits.\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ_-_Eligibility/\">See the EDD’s FAQ on who’s eligible to claim unemployment insurance.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Gather your application information\u003c/b>\u003c/p>\n\u003cp>During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process.\u003c/p>\n\u003cp>In addition to your basic identity information, you’ll need:\u003c/p>\n\u003cul>\n\u003cli>Your Social Security number\u003c/li>\n\u003cli>Your employment authorization information, if you’re not a U.S. citizen\u003c/li>\n\u003cli>A photo ID like a passport or driver’s license (for your ID.me account — more below)\u003c/li>\n\u003c/ul>\n\u003cp>You’ll also need to provide your employment history for the last 18 months, which will include:\u003c/p>\n\u003cul>\n\u003cli>The names of your previous employers\u003c/li>\n\u003cli>Their addresses\u003c/li>\n\u003cli>Their phone numbers\u003c/li>\n\u003cli>The reason each job ended\u003c/li>\n\u003cli>Your gross (total) wages earned\u003c/li>\n\u003cli>Hours worked per week\u003c/li>\n\u003cli>Hourly rate of pay\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11946480\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11946480 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg\" alt=\"A woman sits at her kitchen table and sifts through documents, looking concerned. Next to her is her opened laptop.\" width=\"2560\" height=\"1708\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg 2560w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1536x1025.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-2048x1366.jpg 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1920x1281.jpg 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process. \u003ccite>(MoMo Productions/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Make the online accounts you’ll need to apply \u003c/b>\u003c/p>\n\u003cp>To apply for UI for the first time, you’ll need to \u003ca href=\"https://portal.edd.ca.gov/WebApp/Registration\">create a new Benefit Programs Online account\u003c/a>, to enable you to log in and manage your UI claim. (You may already have one of these accounts if you’ve previously applied for UI, disability insurance or paid family leave — in that case, use the same one.)\u003c/p>\n\u003cp>When you give an email address as part of your Benefit Programs Online application, make sure you check for any emails from EDD. When you get an email with a link to complete your registration, make sure you click that link within 48 hours of receiving it — otherwise, you’ll have to start the registration process all over again.\u003c/p>\n\u003cp>When you’ve created your Benefit Programs Online account, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">you’ll then register for UI Online\u003c/a>, which is the part of EDD’s online services that allows you to claim and manage your unemployment benefits. Keep reading for how to file your first UI claim.\u003c/p>\n\u003cp>You’ll \u003ci>also\u003c/i> need to \u003ca href=\"https://help.id.me/hc/en-us/articles/202673924-Creating-your-ID-me-account\">have an account with ID.me\u003c/a>, the identity verification EDD uses to make sure you’re really you when you’re claiming benefits. You can create your ID.me account before you create your Benefit Programs Online account, or when prompted during the process of creating it. If you’re creating your ID.me account beforehand, just make sure you keep the login details on hand so that you can sign into ID.me when prompted.\u003c/p>\n\u003cp>You might consider watching the \u003ca href=\"https://www.youtube.com/watch?v=moJ1mokMRgc\">EDD’s short instructional video on YouTube about creating these accounts and filing your first UI claim\u003c/a>, so you know what to expect during the process.\u003c/p>\n\u003cp>\u003cb>File your new UI claim\u003c/b>\u003c/p>\n\u003cp>One big thing: To start using UI Online, you’ll be asked for your “EDD Customer Account Number.” This is a number that’s unique to you, that you can also give instead of your Social Security number on the phone when speaking with an EDD representative. You should receive this number at the preferred email address you gave to EDD — in which case you can start using that EDD Customer Account Number immediately to register for UI Online. It’s also possible to \u003ca href=\"https://edd.ca.gov/en/unemployment/create-account/\">receive this number via mail “10 days after you file your claim,” says EDD\u003c/a>.\u003c/p>\n\u003cp>To file a new claim, \u003ca href=\"https://portal.edd.ca.gov/WebApp/Login?resource_url=https:%2F%2Fportal.edd.ca.gov%2FWebApp%2FHome\">log into your Benefit Programs Online account\u003c/a>, and under “UI Online” select “File New Claim.” Remember you’ll also be asked to briefly sign in to your ID.me account to verify your identity.\u003c/p>\n\u003cp>You can’t apply with UI Online 24/7, unfortunately — \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">the site has hours of operation\u003c/a> (located on the File and Manage Account tab), which EDD says are currently (all times Pacific Standard Time):\u003c/p>\n\u003cul>\n\u003cli>Sunday: 5 a.m.–8:30 p.m.\u003c/li>\n\u003cli>Monday: 4 a.m.–10 p.m.\u003c/li>\n\u003cli>Tuesday–Friday: 2 a.m.–10 p.m.\u003c/li>\n\u003cli>Saturday: 2 a.m.–8 p.m.\u003c/li>\n\u003c/ul>\n\u003cp>If you need to pause during the UI Online application process, you can hit “Save as draft” to save your application to return to later — unless it’s \u003ci>after \u003c/i>8 p.m. on the Saturday of the week you’ve started the application. If it’s after 8 p.m. on Saturday, or you’re doing this on a Sunday, you won’t be able to save your application, and you will have to start it all over again if you exit.\u003c/p>\n\u003cp>If you’re having issues with UI Online, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">EDD recommends that you call their help line\u003c/a> at (833) 978-2511 and select option 1 after the introduction, available 8 a.m.–5 p.m., Monday through Friday. EDD says that Monday morning before 10 a.m. is their busiest call time.\u003c/p>\n\u003cp>\u003cb>Getting — and keeping — your unemployment benefits\u003c/b>\u003c/p>\n\u003cp>Once your application is complete, be aware of \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">the next steps and further information that EDD will ask of you\u003c/a>.\u003c/p>\n\u003cp>EDD says that \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">it “takes at least three weeks to process a claim\u003c/a> for unemployment benefits and issue payment to most eligible workers.” You’ll receive a debit card in the mail, which you can activate and then use to access your payments. If you have an old debit card from a previous UI claim, you can still use that one unless it’s expired (in which case you’ll be sent a new one).\u003c/p>\n\u003cp>To keep receiving UI after you first apply, you’ll have to certify for your unemployment benefits again every two weeks to continue receiving payments. You can do this online, by phone or through the mail, but EDD says you’ll get your payments faster if you certify online — and you’ll also get email reminders this way.\u003c/p>\n\u003cp>As part of this certification process every two weeks, you’ll have to \u003ca href=\"https://www.youtube.com/watch?v=3t_RgeoPH_g\">attest that you’re actively seeking employment\u003c/a>. This requirement was paused during the pandemic, but has since been reinstated. You’ll also need to \u003ca href=\"https://edd.ca.gov/en/jobs_and_training/Caljobs/\">register for CalJOBS and post your resume to the site\u003c/a> to keep receiving your UI benefits.\u003c/p>\n\u003cp>If you start doing any work again after losing your job, it’s very important that you report those earnings when you certify for your UI benefits — because those wages have to be deducted from your unemployment benefits. \u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ-claims/#:~:text=Can%20I%20still%20collect%20benefits,deducted%20from%20your%20unemployment%20payments.\">Read more on how EDD will adjust your UI if you start earning money again while claiming unemployment benefits.\u003c/a>\u003c/p>\n\u003cp>And if you’re lucky enough to find a new full-time job, EDD is clear: “If you return to work full time, you will no longer be eligible for unemployment benefits.”\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/certify/\">See EDD’s FAQ on certifying your UI claim every two weeks.\u003c/a>\u003c/p>\n\u003ch2>\u003ca id=\"healthinsurance\">\u003c/a>Step 2: Address your health insurance\u003c/h2>\n\u003cp>If your health insurance was tied to your employment, you need to act swiftly to ensure you’ll still have access to health care after your job ends. The option that’s best for you after your employment ends will depend primarily on how much income your household will now be receiving after you stop working.\u003c/p>\n\u003cp>Remember that if you’ve applied for unemployment benefits, \u003ca href=\"https://www.healthcare.gov/unemployed/\">you’ll need to declare that unemployment compensation as income\u003c/a> when applying for health insurance plans. \u003ca href=\"https://www.healthcare.gov/income-and-household-information/income/\">Get advice on how to estimate your income on your application.\u003c/a>\u003c/p>\n\u003cp>\u003cb>First, check with your employer on when your health benefits will \u003ci>actually\u003c/i> end.\u003c/b>\u003c/p>\n\u003cp>Sometimes a severance package will offer a holdover of benefits, advises the San Francisco’s Human Services Agency’s Bart Ellison. Ask very specific questions of your human resources team, if you have one, about when the last day of your health care will be.\u003c/p>\n\u003cp>\u003cb>See if you can go on a family member’s health care.\u003c/b>\u003c/p>\n\u003cp>Losing your health care because of a job loss will likely qualify as a special enrollment period for joining a family member’s plan, if eligible.\u003c/p>\n\u003cp>If you have a domestic partner, you may be eligible to join their plan. If you’re under 26 years old, \u003ca href=\"https://www.healthcare.gov/young-adults/children-under-26/\">you may be able to join a parent’s plan\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11945872\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11945872 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg\" alt=\"A person with medium-toned skin sits at a wooden table writing on a notepad, surrounded by books. They are wearing a gray t-shirt and have tattooed forearms. We can't see their face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Applying for benefits you’re entitled to can be a time-consuming process. \u003ccite>(cottonbro studio/Pexels)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Medi-Cal\u003c/b>\u003c/p>\n\u003cp>Medi-Cal is California’s version of Medicaid, which offers health care to lower-income folks throughout the state. Eligibility is assessed by your household income, and for many people who qualify, there is no cost of getting health care through Medi-Cal.\u003c/p>\n\u003cp>Laws passed in the last few years in California mean that \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/youngadultexp.aspx\">undocumented people age 25 or under\u003c/a> and also \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/OlderAdultExpansion.aspx\">undocumented adults age 50 and over\u003c/a> are now eligible to receive Medi-Cal, too.\u003c/p>\n\u003cp>Unlike Covered California, \u003ca href=\"https://www.healthcare.gov/unemployed/\">Medi-Cal has no limited enrollment period\u003c/a> — you can sign up at any time of year if eligible, including if you’ve lost your job. If your children previously were getting health care through your employer’s plan, \u003ca href=\"https://www.insurekidsnow.gov/coverage/ca/index.html\">Medi-Cal — or the Children’s Health Insurance Program — may be able to cover them now\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014a.aspx#1\">See the state’s FAQ about Medi-Cal.\u003c/a> Medi-Cal and Covered California use the same application portal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>Covered California\u003c/b>\u003c/p>\n\u003cp>Covered California is the state’s marketplace that offers private health insurance plans. Depending on your household income, you may qualify for a free or low-cost health plan through Covered California — or you may be eligible to receive financial help through Covered California that could help cover the costs of your premiums and co-pays. As with Medi-Cal, your household income is going to determine what you’re eligible for.\u003c/p>\n\u003cp>Leaving your job for any reason and subsequently \u003ca href=\"https://www.healthcare.gov/unemployed/\">losing your job-based health coverage qualifies for a special enrollment period\u003c/a> for signing up for a marketplace health plan. Usually, you’ll get 60 days from the day you lose your coverage to sign up for a health plan.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014c.aspx#1\">See the state’s FAQ about Covered California.\u003c/a> Remember, Covered California uses the same application portal as Medi-Cal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>COBRA\u003c/b>\u003c/p>\n\u003cp>COBRA stands for the federal Consolidated Omnibus Budget Reconciliation Act — and it’s a way of temporarily keeping health care after you leave a job. Instead of opting to sign up for Medi-Cal or a private health insurance plan through Covered California, you can choose so-called “continuation coverage” of your existing health care plan under COBRA, for a certain period of time.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna\">Health care through COBRA can be applied retroactively\u003c/a>, if you’re unsure about electing it straightaway. The catch: COBRA is expensive, because it’s the health plan your employer was previously paying part or all of — and now, you’re paying all the costs yourself.\u003c/p>\n\u003cp>\u003cb>Getting back onto health insurance taking a while? Know where your nearest community health center is.\u003c/b>\u003c/p>\n\u003cp>If you aren’t eligible for coverage through Medi-Cal, but signing up for another health plan is proving challenging right now, you can get low-cost health care at a nearby community health center. Make sure you know where your nearest one is, in case you need access to health care quickly. You can \u003ca href=\"https://findahealthcenter.hrsa.gov/\">use this map to find the closest community health center near you\u003c/a>.\u003c/p>\n\u003cp>\u003cb>More resources on finding health care after losing your job:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli>“\u003ca href=\"https://www.coveredca.com/marketing-blog/health-insurance-for-the-unemployed-from-cobra-to-medi-cal/\">Health Insurance for the Unemployed, from COBRA to Medi-Cal\u003c/a>” (from coveredca.com)\u003c/li>\n\u003cli>“\u003ca href=\"https://www.healthcare.gov/unemployed/\">Health coverage options if you’re unemployed\u003c/a>” (from healthcare.gov)\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"otherbenefits\">\u003c/a>Step 3: Don’t forget about other benefits you could be entitled to\u003c/h2>\n\u003cp>The quickest way to see what benefits you might be eligible for now is to \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">do one application through the state’s BenefitsCal portal\u003c/a>. This site will review your information and tell you what you may qualify for, including Medi-Cal.\u003c/p>\n\u003cp>The state says this application will take you between 30 minutes and an hour, and if you make an account you can save your progress and return to the application later, rather than having to start again. One catch: Not all counties in California are using this portal yet. \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">Select your county from the drop-down menu\u003c/a> to see whether you have to use another site — \u003ca href=\"https://www.mybenefitscalwin.org/\">mybenefitscalwin.org\u003c/a> — instead.\u003c/p>\n\u003cp>The other benefits you could be entitled to may include:\u003c/p>\n\u003cp>\u003cb>CalFresh (SNAP)\u003c/b>\u003c/p>\n\u003cp>CalFresh is the state’s version of the federal Supplemental Nutrition Assistance Program (SNAP), the food benefits program also known as “food stamps.”\u003c/p>\n\u003cp>[aside postID=\"news_11943420\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2023/03/GettyImages-1144627849-1020x680.jpg\"]According to the state’s data from March 2023, over 3 million households use these funds to ensure they have access to food. You can \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">apply through benefitscal.com\u003c/a>, which will also show you all other benefits you’re entitled to, or \u003ca href=\"https://www.getcalfresh.org/\">go direct through getcalfresh.org\u003c/a>.\u003c/p>\n\u003cp>\u003cb>CalWORKs (California Work Opportunity and Responsibility to Kids)\u003c/b>\u003c/p>\n\u003cp>If you have at least one child in your home, CalWORKs is a public assistance program that offers cash aid and services to eligible families. \u003ca href=\"https://benefitscal.com/\">See if your family is eligible to receive CalWORKs at benefitscal.com\u003c/a>.\u003c/p>\n\u003cp>\u003cb>WIC (Women, Infants and Children Supplemental Nutrition Program)\u003c/b>\u003c/p>\n\u003cp>WIC provides food assistance to lower-income families who have young children or are expecting a new child. Like CalFresh, it’s federally funded, and you can receive WIC benefits on top of your CalFresh benefits.\u003c/p>\n\u003cp>The program is income-based, and is available to pregnant people, plus new parents and grandparents of young children.\u003ca href=\"https://myfamily.wic.ca.gov/Home/HowCanIGetWIC#howToGetWIC\"> See whether you’re eligible for WIC and apply online.\u003c/a>\u003c/p>\n\u003cp>Make sure to read the rest of our KQED guides about other steps you can take after a layoff to better support yourself and those who depend on you:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949801/layoffs-how-to-find-a-new-job-jobhunting-tips\">The Best Ways to Find a New Job, According to an Expert\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949674/layoffs-mental-health-lost-job-self-care\">How to Prioritize Your Mental Health After Losing Your Job, From Telling Family to Self-Care\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11948895/layoffs-how-to-save-more-money-after-losing-your-job\">How to Save More Money After Losing Your Job\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>[hearken id=\"10483\" src=\"https://modules.wearehearken.com/kqed/embed/10483.js\"]\u003c/p>\n\u003cp>\u003cem>This story was originally published on May 19, 2023\u003c/em>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"excerpt": "Knowing what to do when you get laid off can feel daunting — especially if losing your job came as a shock. Check out our list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>This guide is part of the KQED News series \u003cstrong>\u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff.\u003c/a>\u003c/strong>\u003c/em>\u003c/p>\n\u003cp>Knowing what to do when you get laid off can feel like a daunting prospect — especially if losing your job came as a total shock.\u003c/p>\n\u003cp>We’ve compiled a list of the initial steps to take after a layoff, to ensure you’re in as secure a place as possible. Jump straight to:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#unemploymentbenefits\">Applying for unemployment benefits\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#healthinsurance\">Keeping your health insurance\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"#otherbenefits\">Other benefits you might not know you’re eligible for\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>… Or keep reading. As with the instructions for assembling furniture, you might find it helpful to read all this advice start to finish before you embark on these applications — to be prepared for any bumps you might encounter.\u003c/p>\n\u003ch2>Three tips to making applying for benefits after a layoff easier\u003c/h2>\n\u003cp>\u003cb>Your local government may have staff to help you do this\u003c/b>\u003c/p>\n\u003cp>Many cities and counties have their own offices, staff or programs specifically designed for people in your situation right now — which often have physical offices you can visit, or hotlines to call to ask a person your questions. These kinds of local resources can be particularly helpful in navigating the various benefits you could be entitled to, and aiding in the application processes.\u003c/p>\n\u003cp>Some offices, like the Department of Benefits and Family Support within \u003ca href=\"https://www.sfhsa.org/\">San Francisco’s Human Services Agency (SFHSA)\u003c/a>, can take your information in one central application and apply for those benefits on your behalf.\u003c/p>\n\u003cp>Having the help of a city staffer trained in these applications could save you a lot of time and stress, says Bart Ellison, program manager at SFHSA’s Workforce Development Division — not just because the process is streamlined, but because you’ll be able to ask these folks questions either in person or over the phone. It’s their job to help you — let them do it.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Your city or county may also have a program to help you find new employment, like \u003ca href=\"https://www.sfhsa.org/services/jobs/jobsnow\">SFHSA’s free JobsNOW! program\u003c/a>, which is open to San Francisco job seekers based on their income level, and matches job hunters with roles.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cdss.ca.gov/county-offices\">Find your local social services office in this statewide list.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Don’t feel weird about claiming the benefits you’re owed\u003c/b>\u003c/p>\n\u003cp>When it comes to claiming benefits after a layoff, Ellison wants to remind you that “we all pay for this through our taxes.”\u003c/p>\n\u003cp>“It’s great that if you don’t need it, it’s there. If you do need it, it’s there, and it should be accessed,” Ellison said. “There’s no shame in any of that.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>A lot of people also just don’t know about the benefits they could be eligible for, says Ellison, or assume they won’t qualify.\u003c/p>\n\u003cp>He also says that some of the eligible job seekers he and his team work with in San Francisco might fear coming forward to apply if a member of their family is undocumented, because they think it will cause them problems. “We don’t get involved in any of that,” said Ellison. “They should never fear that situation.”\u003c/p>\n\u003cp>\u003cb>Try to be patient with how long the application process could take\u003c/b>\u003c/p>\n\u003cp>Ellison says he and his team “try not to ask a client for documents that we know we already have in the system” — but concedes that sometimes, this process will feel like providing endless documentation. The benefits you’re applying for can be a mix of federal and state funds, so unfortunately “it’s not just as simple as coming in and saying, ‘Hi, I’m Bart, could you sign me up?,’” said Ellison.\u003c/p>\n\u003cp>The more you can follow through with any documentation requests, hopefully the faster and smoother your application process will go. “And if you need more time or need help gathering stuff, that is what the eligibility staff are there for,” said Ellison. “They are there to \u003ci>help \u003c/i>you find some of these things. So you just need to kind of be your own advocate, and speak up.”\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>Read more layoff advice in our \u003ca href=\"https://www.kqed.org/news/tag/what-to-do-after-a-layoff\">What to Do After a Layoff \u003c/a>series\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"unemploymentbenefits\">\u003c/a>Step 1: Apply for unemployment benefits\u003c/h2>\n\u003cp>If you’ve been laid off, \u003ca href=\"https://edd.ca.gov/en/unemployment/apply/\">apply for unemployment insurance\u003c/a> (UI, also known just as “unemployment”) from the California Employment Development Department (EDD) as soon as you can. Not only could it take at least three weeks to receive any benefits payments from a successful claim, but your claim begins when you first apply for it — not the day you lose your job. So time is of the essence.\u003c/p>\n\u003cp>\u003cb>Who can claim unemployment benefits?\u003c/b>\u003c/p>\n\u003cp>If you’re reading this and you \u003ci>chose\u003c/i> to leave your job, you usually aren’t eligible to claim unemployment. The exception to this is if you quit your job for what EDD calls “good cause,” which can include unsafe working conditions or a doctor’s advice. Whether or not you’re eligible to still claim UI in this situation will be determined by a phone interview with an EDD representative.\u003c/p>\n\u003cp>When applying for UI, you’ll have to show EDD that you have earned enough wages during the base period of 12 months, are totally or partially unemployed, are “unemployed through no fault of your own,” are physically able to work, are available for work and are ready and willing to accept work immediately.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>EDD will also ask you to show that you are “in satisfactory immigration status and authorized to work in the United States” not only now, but when you were earning the wages you’re using to establish your claim. EDD also warns that it will verify your immigration status and work authorization through the Department of Homeland Security.\u003c/p>\n\u003cp>You can \u003ca href=\"https://edd.ca.gov/en/unemployment/UI-Calculator/\">calculate the amount of unemployment benefits you can receive using this tool\u003c/a>. Remember that the amount of unemployment you’ll receive is based on your wages over the last 18 months, calculated by EDD from a base period of 12 months within that time — and if you didn’t earn any wages during that period, you won’t qualify for unemployment benefits.\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ_-_Eligibility/\">See the EDD’s FAQ on who’s eligible to claim unemployment insurance.\u003c/a>\u003c/p>\n\u003cp>\u003cb>Gather your application information\u003c/b>\u003c/p>\n\u003cp>During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process.\u003c/p>\n\u003cp>In addition to your basic identity information, you’ll need:\u003c/p>\n\u003cul>\n\u003cli>Your Social Security number\u003c/li>\n\u003cli>Your employment authorization information, if you’re not a U.S. citizen\u003c/li>\n\u003cli>A photo ID like a passport or driver’s license (for your ID.me account — more below)\u003c/li>\n\u003c/ul>\n\u003cp>You’ll also need to provide your employment history for the last 18 months, which will include:\u003c/p>\n\u003cul>\n\u003cli>The names of your previous employers\u003c/li>\n\u003cli>Their addresses\u003c/li>\n\u003cli>Their phone numbers\u003c/li>\n\u003cli>The reason each job ended\u003c/li>\n\u003cli>Your gross (total) wages earned\u003c/li>\n\u003cli>Hours worked per week\u003c/li>\n\u003cli>Hourly rate of pay\u003c/li>\n\u003c/ul>\n\u003cfigure id=\"attachment_11946480\" class=\"wp-caption alignnone\" style=\"max-width: 2560px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11946480 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg\" alt=\"A woman sits at her kitchen table and sifts through documents, looking concerned. Next to her is her opened laptop.\" width=\"2560\" height=\"1708\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-scaled.jpg 2560w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1536x1025.jpg 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-2048x1366.jpg 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1400799758-1920x1281.jpg 1920w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\">\u003cfigcaption class=\"wp-caption-text\">During your online application for UI, you’ll be asked to submit a lot of information — and it’s easiest to have all that gathered and ready, rather than trying to track it down in the middle of the process. \u003ccite>(MoMo Productions/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Make the online accounts you’ll need to apply \u003c/b>\u003c/p>\n\u003cp>To apply for UI for the first time, you’ll need to \u003ca href=\"https://portal.edd.ca.gov/WebApp/Registration\">create a new Benefit Programs Online account\u003c/a>, to enable you to log in and manage your UI claim. (You may already have one of these accounts if you’ve previously applied for UI, disability insurance or paid family leave — in that case, use the same one.)\u003c/p>\n\u003cp>When you give an email address as part of your Benefit Programs Online application, make sure you check for any emails from EDD. When you get an email with a link to complete your registration, make sure you click that link within 48 hours of receiving it — otherwise, you’ll have to start the registration process all over again.\u003c/p>\n\u003cp>When you’ve created your Benefit Programs Online account, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">you’ll then register for UI Online\u003c/a>, which is the part of EDD’s online services that allows you to claim and manage your unemployment benefits. Keep reading for how to file your first UI claim.\u003c/p>\n\u003cp>You’ll \u003ci>also\u003c/i> need to \u003ca href=\"https://help.id.me/hc/en-us/articles/202673924-Creating-your-ID-me-account\">have an account with ID.me\u003c/a>, the identity verification EDD uses to make sure you’re really you when you’re claiming benefits. You can create your ID.me account before you create your Benefit Programs Online account, or when prompted during the process of creating it. If you’re creating your ID.me account beforehand, just make sure you keep the login details on hand so that you can sign into ID.me when prompted.\u003c/p>\n\u003cp>You might consider watching the \u003ca href=\"https://www.youtube.com/watch?v=moJ1mokMRgc\">EDD’s short instructional video on YouTube about creating these accounts and filing your first UI claim\u003c/a>, so you know what to expect during the process.\u003c/p>\n\u003cp>\u003cb>File your new UI claim\u003c/b>\u003c/p>\n\u003cp>One big thing: To start using UI Online, you’ll be asked for your “EDD Customer Account Number.” This is a number that’s unique to you, that you can also give instead of your Social Security number on the phone when speaking with an EDD representative. You should receive this number at the preferred email address you gave to EDD — in which case you can start using that EDD Customer Account Number immediately to register for UI Online. It’s also possible to \u003ca href=\"https://edd.ca.gov/en/unemployment/create-account/\">receive this number via mail “10 days after you file your claim,” says EDD\u003c/a>.\u003c/p>\n\u003cp>To file a new claim, \u003ca href=\"https://portal.edd.ca.gov/WebApp/Login?resource_url=https:%2F%2Fportal.edd.ca.gov%2FWebApp%2FHome\">log into your Benefit Programs Online account\u003c/a>, and under “UI Online” select “File New Claim.” Remember you’ll also be asked to briefly sign in to your ID.me account to verify your identity.\u003c/p>\n\u003cp>You can’t apply with UI Online 24/7, unfortunately — \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">the site has hours of operation\u003c/a> (located on the File and Manage Account tab), which EDD says are currently (all times Pacific Standard Time):\u003c/p>\n\u003cul>\n\u003cli>Sunday: 5 a.m.–8:30 p.m.\u003c/li>\n\u003cli>Monday: 4 a.m.–10 p.m.\u003c/li>\n\u003cli>Tuesday–Friday: 2 a.m.–10 p.m.\u003c/li>\n\u003cli>Saturday: 2 a.m.–8 p.m.\u003c/li>\n\u003c/ul>\n\u003cp>If you need to pause during the UI Online application process, you can hit “Save as draft” to save your application to return to later — unless it’s \u003ci>after \u003c/i>8 p.m. on the Saturday of the week you’ve started the application. If it’s after 8 p.m. on Saturday, or you’re doing this on a Sunday, you won’t be able to save your application, and you will have to start it all over again if you exit.\u003c/p>\n\u003cp>If you’re having issues with UI Online, \u003ca href=\"https://edd.ca.gov/en/unemployment/ui_online/\">EDD recommends that you call their help line\u003c/a> at (833) 978-2511 and select option 1 after the introduction, available 8 a.m.–5 p.m., Monday through Friday. EDD says that Monday morning before 10 a.m. is their busiest call time.\u003c/p>\n\u003cp>\u003cb>Getting — and keeping — your unemployment benefits\u003c/b>\u003c/p>\n\u003cp>Once your application is complete, be aware of \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">the next steps and further information that EDD will ask of you\u003c/a>.\u003c/p>\n\u003cp>EDD says that \u003ca href=\"https://edd.ca.gov/en/unemployment/After_You_Filed/\">it “takes at least three weeks to process a claim\u003c/a> for unemployment benefits and issue payment to most eligible workers.” You’ll receive a debit card in the mail, which you can activate and then use to access your payments. If you have an old debit card from a previous UI claim, you can still use that one unless it’s expired (in which case you’ll be sent a new one).\u003c/p>\n\u003cp>To keep receiving UI after you first apply, you’ll have to certify for your unemployment benefits again every two weeks to continue receiving payments. You can do this online, by phone or through the mail, but EDD says you’ll get your payments faster if you certify online — and you’ll also get email reminders this way.\u003c/p>\n\u003cp>As part of this certification process every two weeks, you’ll have to \u003ca href=\"https://www.youtube.com/watch?v=3t_RgeoPH_g\">attest that you’re actively seeking employment\u003c/a>. This requirement was paused during the pandemic, but has since been reinstated. You’ll also need to \u003ca href=\"https://edd.ca.gov/en/jobs_and_training/Caljobs/\">register for CalJOBS and post your resume to the site\u003c/a> to keep receiving your UI benefits.\u003c/p>\n\u003cp>If you start doing any work again after losing your job, it’s very important that you report those earnings when you certify for your UI benefits — because those wages have to be deducted from your unemployment benefits. \u003ca href=\"https://edd.ca.gov/en/unemployment/FAQ-claims/#:~:text=Can%20I%20still%20collect%20benefits,deducted%20from%20your%20unemployment%20payments.\">Read more on how EDD will adjust your UI if you start earning money again while claiming unemployment benefits.\u003c/a>\u003c/p>\n\u003cp>And if you’re lucky enough to find a new full-time job, EDD is clear: “If you return to work full time, you will no longer be eligible for unemployment benefits.”\u003c/p>\n\u003cp>\u003ca href=\"https://edd.ca.gov/en/unemployment/certify/\">See EDD’s FAQ on certifying your UI claim every two weeks.\u003c/a>\u003c/p>\n\u003ch2>\u003ca id=\"healthinsurance\">\u003c/a>Step 2: Address your health insurance\u003c/h2>\n\u003cp>If your health insurance was tied to your employment, you need to act swiftly to ensure you’ll still have access to health care after your job ends. The option that’s best for you after your employment ends will depend primarily on how much income your household will now be receiving after you stop working.\u003c/p>\n\u003cp>Remember that if you’ve applied for unemployment benefits, \u003ca href=\"https://www.healthcare.gov/unemployed/\">you’ll need to declare that unemployment compensation as income\u003c/a> when applying for health insurance plans. \u003ca href=\"https://www.healthcare.gov/income-and-household-information/income/\">Get advice on how to estimate your income on your application.\u003c/a>\u003c/p>\n\u003cp>\u003cb>First, check with your employer on when your health benefits will \u003ci>actually\u003c/i> end.\u003c/b>\u003c/p>\n\u003cp>Sometimes a severance package will offer a holdover of benefits, advises the San Francisco’s Human Services Agency’s Bart Ellison. Ask very specific questions of your human resources team, if you have one, about when the last day of your health care will be.\u003c/p>\n\u003cp>\u003cb>See if you can go on a family member’s health care.\u003c/b>\u003c/p>\n\u003cp>Losing your health care because of a job loss will likely qualify as a special enrollment period for joining a family member’s plan, if eligible.\u003c/p>\n\u003cp>If you have a domestic partner, you may be eligible to join their plan. If you’re under 26 years old, \u003ca href=\"https://www.healthcare.gov/young-adults/children-under-26/\">you may be able to join a parent’s plan\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11945872\" class=\"wp-caption alignnone\" style=\"max-width: 1920px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11945872 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg\" alt=\"A person with medium-toned skin sits at a wooden table writing on a notepad, surrounded by books. They are wearing a gray t-shirt and have tattooed forearms. We can't see their face.\" width=\"1920\" height=\"1280\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412.jpg 1920w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/pexels-cottonbro-studio-4778412-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\">\u003cfigcaption class=\"wp-caption-text\">Applying for benefits you’re entitled to can be a time-consuming process. \u003ccite>(cottonbro studio/Pexels)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cb>Medi-Cal\u003c/b>\u003c/p>\n\u003cp>Medi-Cal is California’s version of Medicaid, which offers health care to lower-income folks throughout the state. Eligibility is assessed by your household income, and for many people who qualify, there is no cost of getting health care through Medi-Cal.\u003c/p>\n\u003cp>Laws passed in the last few years in California mean that \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/youngadultexp.aspx\">undocumented people age 25 or under\u003c/a> and also \u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/OlderAdultExpansion.aspx\">undocumented adults age 50 and over\u003c/a> are now eligible to receive Medi-Cal, too.\u003c/p>\n\u003cp>Unlike Covered California, \u003ca href=\"https://www.healthcare.gov/unemployed/\">Medi-Cal has no limited enrollment period\u003c/a> — you can sign up at any time of year if eligible, including if you’ve lost your job. If your children previously were getting health care through your employer’s plan, \u003ca href=\"https://www.insurekidsnow.gov/coverage/ca/index.html\">Medi-Cal — or the Children’s Health Insurance Program — may be able to cover them now\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014a.aspx#1\">See the state’s FAQ about Medi-Cal.\u003c/a> Medi-Cal and Covered California use the same application portal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>Covered California\u003c/b>\u003c/p>\n\u003cp>Covered California is the state’s marketplace that offers private health insurance plans. Depending on your household income, you may qualify for a free or low-cost health plan through Covered California — or you may be eligible to receive financial help through Covered California that could help cover the costs of your premiums and co-pays. As with Medi-Cal, your household income is going to determine what you’re eligible for.\u003c/p>\n\u003cp>Leaving your job for any reason and subsequently \u003ca href=\"https://www.healthcare.gov/unemployed/\">losing your job-based health coverage qualifies for a special enrollment period\u003c/a> for signing up for a marketplace health plan. Usually, you’ll get 60 days from the day you lose your coverage to sign up for a health plan.\u003c/p>\n\u003cp>\u003ca href=\"https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014c.aspx#1\">See the state’s FAQ about Covered California.\u003c/a> Remember, Covered California uses the same application portal as Medi-Cal at \u003ca href=\"https://www.coveredca.com/apply/\">coveredca.com/apply\u003c/a>. Fill out your details, and the site will tell you whether your household income makes you eligible for Medi-Cal or whether you have to choose a private plan from Covered California.\u003c/p>\n\u003cp>\u003cb>COBRA\u003c/b>\u003c/p>\n\u003cp>COBRA stands for the federal Consolidated Omnibus Budget Reconciliation Act — and it’s a way of temporarily keeping health care after you leave a job. Instead of opting to sign up for Medi-Cal or a private health insurance plan through Covered California, you can choose so-called “continuation coverage” of your existing health care plan under COBRA, for a certain period of time.\u003c/p>\n\u003cp>\u003ca href=\"https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna\">Health care through COBRA can be applied retroactively\u003c/a>, if you’re unsure about electing it straightaway. The catch: COBRA is expensive, because it’s the health plan your employer was previously paying part or all of — and now, you’re paying all the costs yourself.\u003c/p>\n\u003cp>\u003cb>Getting back onto health insurance taking a while? Know where your nearest community health center is.\u003c/b>\u003c/p>\n\u003cp>If you aren’t eligible for coverage through Medi-Cal, but signing up for another health plan is proving challenging right now, you can get low-cost health care at a nearby community health center. Make sure you know where your nearest one is, in case you need access to health care quickly. You can \u003ca href=\"https://findahealthcenter.hrsa.gov/\">use this map to find the closest community health center near you\u003c/a>.\u003c/p>\n\u003cp>\u003cb>More resources on finding health care after losing your job:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli>“\u003ca href=\"https://www.coveredca.com/marketing-blog/health-insurance-for-the-unemployed-from-cobra-to-medi-cal/\">Health Insurance for the Unemployed, from COBRA to Medi-Cal\u003c/a>” (from coveredca.com)\u003c/li>\n\u003cli>“\u003ca href=\"https://www.healthcare.gov/unemployed/\">Health coverage options if you’re unemployed\u003c/a>” (from healthcare.gov)\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"otherbenefits\">\u003c/a>Step 3: Don’t forget about other benefits you could be entitled to\u003c/h2>\n\u003cp>The quickest way to see what benefits you might be eligible for now is to \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">do one application through the state’s BenefitsCal portal\u003c/a>. This site will review your information and tell you what you may qualify for, including Medi-Cal.\u003c/p>\n\u003cp>The state says this application will take you between 30 minutes and an hour, and if you make an account you can save your progress and return to the application later, rather than having to start again. One catch: Not all counties in California are using this portal yet. \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">Select your county from the drop-down menu\u003c/a> to see whether you have to use another site — \u003ca href=\"https://www.mybenefitscalwin.org/\">mybenefitscalwin.org\u003c/a> — instead.\u003c/p>\n\u003cp>The other benefits you could be entitled to may include:\u003c/p>\n\u003cp>\u003cb>CalFresh (SNAP)\u003c/b>\u003c/p>\n\u003cp>CalFresh is the state’s version of the federal Supplemental Nutrition Assistance Program (SNAP), the food benefits program also known as “food stamps.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>According to the state’s data from March 2023, over 3 million households use these funds to ensure they have access to food. You can \u003ca href=\"https://benefitscal.com/ApplyForBenefits/ABOVR\">apply through benefitscal.com\u003c/a>, which will also show you all other benefits you’re entitled to, or \u003ca href=\"https://www.getcalfresh.org/\">go direct through getcalfresh.org\u003c/a>.\u003c/p>\n\u003cp>\u003cb>CalWORKs (California Work Opportunity and Responsibility to Kids)\u003c/b>\u003c/p>\n\u003cp>If you have at least one child in your home, CalWORKs is a public assistance program that offers cash aid and services to eligible families. \u003ca href=\"https://benefitscal.com/\">See if your family is eligible to receive CalWORKs at benefitscal.com\u003c/a>.\u003c/p>\n\u003cp>\u003cb>WIC (Women, Infants and Children Supplemental Nutrition Program)\u003c/b>\u003c/p>\n\u003cp>WIC provides food assistance to lower-income families who have young children or are expecting a new child. Like CalFresh, it’s federally funded, and you can receive WIC benefits on top of your CalFresh benefits.\u003c/p>\n\u003cp>The program is income-based, and is available to pregnant people, plus new parents and grandparents of young children.\u003ca href=\"https://myfamily.wic.ca.gov/Home/HowCanIGetWIC#howToGetWIC\"> See whether you’re eligible for WIC and apply online.\u003c/a>\u003c/p>\n\u003cp>Make sure to read the rest of our KQED guides about other steps you can take after a layoff to better support yourself and those who depend on you:\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949801/layoffs-how-to-find-a-new-job-jobhunting-tips\">The Best Ways to Find a New Job, According to an Expert\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11949674/layoffs-mental-health-lost-job-self-care\">How to Prioritize Your Mental Health After Losing Your Job, From Telling Family to Self-Care\u003c/a>\u003c/strong>\u003c/li>\n\u003cli>\u003cstrong>\u003ca href=\"https://www.kqed.org/news/11948895/layoffs-how-to-save-more-money-after-losing-your-job\">How to Save More Money After Losing Your Job\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cem>This story was originally published on May 19, 2023\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Dozens of SAG-AFTRA members rallied outside Netflix headquarters in Los Gatos on Thursday, protesting declining pay and residuals in the streaming age.\u003c/p>\n\u003cp>Netflix is just one of the Alliance of Motion Picture and Television Producers (AMPTP) member companies that SAG-AFTRA is striking against. Others include the major motion picture studios, the principal broadcast television networks, and streaming services like Apple TV+ and Amazon, as well as Netflix.\u003c/p>\n\u003cp>So why pick on Netflix? The actors said in large part because Netflix is the streaming monster that \u003ca href=\"https://advanced-television.com/2022/11/18/report-streaming-37-of-us-tv-viewing-in-october/\">redefined the entertainment business\u003c/a> over the last 16 years, and it \u003ca href=\"https://www.nexttv.com/news/what-slow-start-streaming-for-netflixs-most-popular-shows-was-actually-up-5-through-the-first-six-weeks-of-2023\">continues to dominate\u003c/a> today.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“Tech is only going to grow. You know, streaming is only going to grow. So all we’re asking is that we grow with it,” said \u003ca href=\"https://rajivshahofficial.com\">Rajiv Shah\u003c/a>, a member of the Screen Actors Guild–American Federation of Television and Radio Artists for more than 20 years.\u003c/p>\n\u003cp>Shah said he’s prepared to stay off movie and TV sets for as long as necessary to extract what he considers an equitable contract from the biggest companies in the business. [aside label=\"related coverage\" tag=\"proposition-22\"]“What everybody understands is this is setting a precedent for what’s going to come in the future because you see it in the gig economy and see how people are — their work is being utilized, but not fairly compensated,” he said.\u003c/p>\n\u003cp>This wouldn’t be the first time Big Tech has gone up against Big Labor in California. In the state Legislature and at the ballot box, the “gig economy” has disrupted multiple labor markets. In stark terms, that’s because the shift to part-time work with minimal employer-provided benefits has taken money out of the pockets of rank-and-file workers and \u003ca href=\"https://www.kqed.org/news/11944344/no-reward-for-loyalty-gig-companies-winning-fight-to-classify-drivers-as-independent\">shifted it to the pockets of executives and investors\u003c/a>.\u003c/p>\n\u003cp>SAG-AFTRA President Fran Drescher has said as much in her speeches. “What’s happening to us is happening across all fields of labor … Employers make Wall Street and greed their priority and they forget about the essential contributors that make the machine run,” she said announcing the strike.\u003c/p>\n\u003cp>\u003ciframe loading=\"lazy\" title=\"Watch: Fran Drescher delivers fiery speech on SAG-AFTRA strike\" width=\"640\" height=\"360\" src=\"https://www.youtube.com/embed/J4SAPOX7R5M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen>\u003c/iframe>\u003c/p>\n\u003cp>In the latest \u003ca href=\"https://www.youtube.com/watch?v=FBFcFWZ4hPs\">Netflix earnings call\u003c/a> last week, co-CEO Ted Sarandos was careful to note he was raised in a union household before he echoed the party line put forward by the AMPTP. “We’re super committed to getting to an agreement as soon as possible, one that’s equitable, and one that enables the industry and everybody in it, to move forward into the future,” he said.[pullquote align=\"right\" size=\"medium\" citation=\"Paola Tapia-Limón, member, Writers Guild of America\"]‘There’s always greed … people wanting to make the best products with the least amount of money. But … at least those people respected the art form. The tech companies, they don’t care. It’s just money to them.’[/pullquote]Last year, \u003ca href=\"https://variety.com/2023/digital/news/netflix-executive-compensation-2022-reed-hastings-ted-sarandos-1235591184/\">Sarandos made $50 million\u003c/a>. That’s not nearly as much as the \u003ca href=\"https://www.cnbc.com/2023/07/05/heres-how-much-the-10-highest-paid-us-ceos-earn.html\">highest-paid CEOs in the U.S.\u003c/a>, but the storyline of executives making billions while rank-and-file creatives suffer sticks in the craw of Writers Guild of America member Paola Tapia-Limón of Los Angeles. The WGA has been on strike since early May. “My last episode aired a while ago, and I did get residuals. But it’s still a ridiculous amount,” she told KQED.\u003c/p>\n\u003cp>Even during what’s been called the “\u003ca href=\"https://www.theverge.com/2022/12/14/23507793/streaming-wars-hbo-max-netflix-ads-residuals-warrior-nun\">golden age\u003c/a>” of streaming TV, with the rise of the writer-producer, \u003ca href=\"https://www.wgacontract2023.org/updates/bulletins/writers-are-not-keeping-up\">compensation for most writers has stagnated\u003c/a>, according to the WGA.\u003c/p>\n\u003cp>She added that this has been happening just as Hollywood finally began to diversify in a meaningful way, allowing people like Tapia-Limón to build a middle-class career. “The thought of leaving the industry has definitely crossed my mind in my darkest moments. I’m not going to lie. But I also worked really hard to get here. It’s been over a decade, and I’m a little stubborn,” she said.\u003c/p>\n\u003ch2>What’s different about this struggle\u003c/h2>\n\u003cp>\u003ca href=\"https://apnews.com/article/past-hollywood-strikes-62de005f62e38dd09b38cd591ea26123\">Hollywood producers have played hardball\u003c/a> in every labor conflict for more than a century. Tapia-Limón knows “\u003ca href=\"https://www.cnn.com/2023/07/19/business/nightcap-hollywood-accounting-strike/index.html\">fuzzy accounting\u003c/a>” in this business predates the entry of Big Tech. But, Tapia-Limón says, for deep-pocketed companies like Apple and Amazon, entertainment is just one of many things they do.\u003c/p>\n\u003cp>“There’s always greed … people wanting to make the best products with the least amount of money. But … at least those people respected the art form. The tech companies, they don’t care. It’s just money to them,” Tapia-Limón said.\u003c/p>\n\u003cfigure id=\"attachment_11956195\" class=\"wp-caption alignright\" style=\"max-width: 1024px\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c.jpeg\" alt=\"An African American woman holds a SAG-AFTRA on STRIKE sign with protestors behind her holding the same signs.\" width=\"1024\" height=\"768\" class=\"size-full wp-image-11956195\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c.jpeg 1024w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-800x600.jpeg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-1020x765.jpeg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-160x120.jpeg 160w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\">\u003cfigcaption class=\"wp-caption-text\">SAG-AFTRA member Harley Ford of Vallejo at the rally in Los Gatos on Thursday. Ford said she’s ready for a long fight, because she believes this conflict is existential for humans, in yet another industry moving to replace as many as possible with artificial intelligence. ‘I mean, we get it. It’s here to stay. But let us bring the characters to life. Let an actual human do that,’ she said. \u003ccite>(Rachael Myrow/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It’s sociopathic. It doesn’t make any sense to me. We’re not asking for them to give up their billions,” said Jorge Rivera, vice chair of the Latinx Writers Committee for WGA West. But he added he thinks it’s a mistake to demonize Big Tech alone. Wall Street, he said, and its demand for exponential growth is also playing a major part in the economic disruption of Hollywood.\u003c/p>\n\u003cp>“You can’t just make a profit. You’ve got to grow that profit every year, and I don’t think that is a sustainable model for entertainment. Yeah, we can make billions a year, but can we multiply that by 100 every year? I don’t think so. That’s what they want,” Rivera said. This is in an era when \u003ca href=\"https://www.npr.org/2023/07/20/1188952468/is-the-tv-film-industry-collapsing-or-just-reshaping-itself-for-the-future\">people spend more time and money\u003c/a> on video games than movies, and more time watching YouTube than any TV network.\u003c/p>\n\u003cp>So what happens next? By many accounts: artificial intelligence. Many writers and actors told KQED they fear they have a limited time before the big companies figure out how to minimize the human contributions to entertainment. The humans figure this is the last time they’ll be in a position to negotiate.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Tech is only going to grow. You know, streaming is only going to grow. So all we’re asking is that we grow with it,” said \u003ca href=\"https://rajivshahofficial.com\">Rajiv Shah\u003c/a>, a member of the Screen Actors Guild–American Federation of Television and Radio Artists for more than 20 years.\u003c/p>\n\u003cp>Shah said he’s prepared to stay off movie and TV sets for as long as necessary to extract what he considers an equitable contract from the biggest companies in the business. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“What everybody understands is this is setting a precedent for what’s going to come in the future because you see it in the gig economy and see how people are — their work is being utilized, but not fairly compensated,” he said.\u003c/p>\n\u003cp>This wouldn’t be the first time Big Tech has gone up against Big Labor in California. In the state Legislature and at the ballot box, the “gig economy” has disrupted multiple labor markets. In stark terms, that’s because the shift to part-time work with minimal employer-provided benefits has taken money out of the pockets of rank-and-file workers and \u003ca href=\"https://www.kqed.org/news/11944344/no-reward-for-loyalty-gig-companies-winning-fight-to-classify-drivers-as-independent\">shifted it to the pockets of executives and investors\u003c/a>.\u003c/p>\n\u003cp>SAG-AFTRA President Fran Drescher has said as much in her speeches. “What’s happening to us is happening across all fields of labor … Employers make Wall Street and greed their priority and they forget about the essential contributors that make the machine run,” she said announcing the strike.\u003c/p>\n\u003cp>\u003ciframe loading=\"lazy\" title=\"Watch: Fran Drescher delivers fiery speech on SAG-AFTRA strike\" width=\"640\" height=\"360\" src=\"https://www.youtube.com/embed/J4SAPOX7R5M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen>\u003c/iframe>\u003c/p>\n\u003cp>In the latest \u003ca href=\"https://www.youtube.com/watch?v=FBFcFWZ4hPs\">Netflix earnings call\u003c/a> last week, co-CEO Ted Sarandos was careful to note he was raised in a union household before he echoed the party line put forward by the AMPTP. “We’re super committed to getting to an agreement as soon as possible, one that’s equitable, and one that enables the industry and everybody in it, to move forward into the future,” he said.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Last year, \u003ca href=\"https://variety.com/2023/digital/news/netflix-executive-compensation-2022-reed-hastings-ted-sarandos-1235591184/\">Sarandos made $50 million\u003c/a>. That’s not nearly as much as the \u003ca href=\"https://www.cnbc.com/2023/07/05/heres-how-much-the-10-highest-paid-us-ceos-earn.html\">highest-paid CEOs in the U.S.\u003c/a>, but the storyline of executives making billions while rank-and-file creatives suffer sticks in the craw of Writers Guild of America member Paola Tapia-Limón of Los Angeles. The WGA has been on strike since early May. “My last episode aired a while ago, and I did get residuals. But it’s still a ridiculous amount,” she told KQED.\u003c/p>\n\u003cp>Even during what’s been called the “\u003ca href=\"https://www.theverge.com/2022/12/14/23507793/streaming-wars-hbo-max-netflix-ads-residuals-warrior-nun\">golden age\u003c/a>” of streaming TV, with the rise of the writer-producer, \u003ca href=\"https://www.wgacontract2023.org/updates/bulletins/writers-are-not-keeping-up\">compensation for most writers has stagnated\u003c/a>, according to the WGA.\u003c/p>\n\u003cp>She added that this has been happening just as Hollywood finally began to diversify in a meaningful way, allowing people like Tapia-Limón to build a middle-class career. “The thought of leaving the industry has definitely crossed my mind in my darkest moments. I’m not going to lie. But I also worked really hard to get here. It’s been over a decade, and I’m a little stubborn,” she said.\u003c/p>\n\u003ch2>What’s different about this struggle\u003c/h2>\n\u003cp>\u003ca href=\"https://apnews.com/article/past-hollywood-strikes-62de005f62e38dd09b38cd591ea26123\">Hollywood producers have played hardball\u003c/a> in every labor conflict for more than a century. Tapia-Limón knows “\u003ca href=\"https://www.cnn.com/2023/07/19/business/nightcap-hollywood-accounting-strike/index.html\">fuzzy accounting\u003c/a>” in this business predates the entry of Big Tech. But, Tapia-Limón says, for deep-pocketed companies like Apple and Amazon, entertainment is just one of many things they do.\u003c/p>\n\u003cp>“There’s always greed … people wanting to make the best products with the least amount of money. But … at least those people respected the art form. The tech companies, they don’t care. It’s just money to them,” Tapia-Limón said.\u003c/p>\n\u003cfigure id=\"attachment_11956195\" class=\"wp-caption alignright\" style=\"max-width: 1024px\">\u003cimg loading=\"lazy\" decoding=\"async\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c.jpeg\" alt=\"An African American woman holds a SAG-AFTRA on STRIKE sign with protestors behind her holding the same signs.\" width=\"1024\" height=\"768\" class=\"size-full wp-image-11956195\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c.jpeg 1024w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-800x600.jpeg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-1020x765.jpeg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/07/3D3444F1-1ABE-4C62-BB36-A78ED55AEAA4_1_105_c-160x120.jpeg 160w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\">\u003cfigcaption class=\"wp-caption-text\">SAG-AFTRA member Harley Ford of Vallejo at the rally in Los Gatos on Thursday. Ford said she’s ready for a long fight, because she believes this conflict is existential for humans, in yet another industry moving to replace as many as possible with artificial intelligence. ‘I mean, we get it. It’s here to stay. But let us bring the characters to life. Let an actual human do that,’ she said. \u003ccite>(Rachael Myrow/KQED)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>“It’s sociopathic. It doesn’t make any sense to me. We’re not asking for them to give up their billions,” said Jorge Rivera, vice chair of the Latinx Writers Committee for WGA West. But he added he thinks it’s a mistake to demonize Big Tech alone. Wall Street, he said, and its demand for exponential growth is also playing a major part in the economic disruption of Hollywood.\u003c/p>\n\u003cp>“You can’t just make a profit. You’ve got to grow that profit every year, and I don’t think that is a sustainable model for entertainment. Yeah, we can make billions a year, but can we multiply that by 100 every year? I don’t think so. That’s what they want,” Rivera said. This is in an era when \u003ca href=\"https://www.npr.org/2023/07/20/1188952468/is-the-tv-film-industry-collapsing-or-just-reshaping-itself-for-the-future\">people spend more time and money\u003c/a> on video games than movies, and more time watching YouTube than any TV network.\u003c/p>\n\u003cp>So what happens next? By many accounts: artificial intelligence. Many writers and actors told KQED they fear they have a limited time before the big companies figure out how to minimize the human contributions to entertainment. The humans figure this is the last time they’ll be in a position to negotiate.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003cem>\u003cstrong>Update:\u003c/strong> As of February 8, the Affordable Connectivity Program is no longer receiving applications due to \u003ca href=\"https://www.fcc.gov/fcc-taking-steps-wind-down-affordable-connectivity-program\">a lack of federal funding\u003c/a>. Existing participants will receive this discount until current funds run out, which is projected to be in April 2024. Scroll to the end of the article for other options.\u003c/em>\u003c/p>\n\u003cp>Getting that essay done. Checking work emails. Trying to apply for benefits on the city’s website. Looking up the weather. Staying in touch with loved ones. Wi-Fi is a vital part of life — especially during the COVID pandemic — and it is getting increasingly pricey.\u003c/p>\n\u003cp>But over \u003ca href=\"https://www.educationsuperhighway.org/no-home-left-offline/acp-data/#dashboard\">3.7 million California households\u003c/a> are eligible for free or lower cost Wi-Fi and may not even know it — according to April data from EducationSuperHighway, a national nonprofit that partnered with the city of San Francisco to get more people online through \u003ca href=\"https://sf.gov/news/mayors-office-housing-and-community-development-launches-citywide-initiative-increase\">the Affordable Connectivity Program\u003c/a>.\u003c/p>\n\u003cp>Do you qualify? How can you get free or low-cost Wi-Fi near you? Keep reading for what you need to know about finding free or low-cost Wi-Fi in California.\u003c/p>\n\u003ch2>What is the Affordable Connectivity Program?\u003c/h2>\n\u003cp>\u003ca href=\"https://www.fcc.gov/acp\">The Affordable Connectivity Program\u003c/a> is a \u003ca href=\"https://sf.gov/news/mayors-office-housing-and-community-development-launches-citywide-initiative-increase\">$14.2 billion program\u003c/a> from the Federal Communications Commission that provides households with discounts on — or access to — broadband internet. ACP offers a discount of $30 per month on broadband plans, or a discount of $75 for people living on Tribal lands. Broadband is the internet connection that you physically connect to a router with a wire — i.e., what you get at home. Wi-Fi is wireless. So once you plug in the wireless router at your house, this means that, depending on \u003ca href=\"https://www.xfinity.com/learn/internet-service/acp/free-internet\">the cost of your broadband internet plan\u003c/a>, the ACP discount could make your home Wi-Fi free.[aside postID=news_11951980 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/06/RS65967_004_KQED_EurekaValleyLibraryWifi_05302023-KQED-1020x680.jpg']The program also offers a one-time $100 to purchase a laptop, computer, or tablet just for participating, as long as that household contributes more than $10 (and less than $50) toward the purchase price. (ACP is limited to one monthly service discount and device discount per household.)\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Lots of people who could be getting discounted Wi-Fi, though, aren’t using this program. Just 36% of eligible California households are enrolled in ACP — and adoption rates are even lower in Bay Area cities.\u003c/p>\n\u003cp>San Francisco has a 28% adoption rate, Oakland’s rate is 29%, and San José’s 26% — meaning most of these cities’ eligible households are missing out on affordable Wi-Fi that could benefit their work, education and everyday life.\u003c/p>\n\u003cp>\u003cem>Check out the map below to see how many California cities are enrolled in the Affordable Connectivity Program:\u003c/em>\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"The rate of households in California cities that are enrolled in the Affordable Connectivity Program\" aria-label=\"Map\" id=\"datawrapper-chart-C641y\" src=\"https://datawrapper.dwcdn.net/C641y/3/\" scrolling=\"no\" frameborder=\"0\" style=\"border: none;\" width=\"600\" height=\"893\" data-external=\"1\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch2>Who is eligible for the Affordable Connectivity Program?\u003c/h2>\n\u003cp>ACP has a \u003ca href=\"https://getacp.org/esh\">quick tool\u003c/a> to check if your household is eligible for discounted internet. It also tells you what documents you need to prepare for the application.\u003c/p>\n\u003cp>In general, people are eligible if the household income is at or below 200% of the Federal Poverty Guidelines. For individuals, that’s an annual income of $27,180 or lower. For a household of four, that’s $55,500 per year or lower. \u003ca href=\"https://www.coveredca.com/pdfs/FPL-chart.pdf\">See the entire income guideline table (PDF)\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11954204\" class=\"wp-caption aligncenter\" style=\"max-width: 1990px\">\u003ca href=\"https://www.coveredca.com/pdfs/FPL-chart.pdf\" rel=\"attachment wp-att-11954204\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11954204\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM.png\" alt=\"a chart showing the federal poverty guidelines\" width=\"1990\" height=\"1220\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM.png 1990w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-800x490.png 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1020x625.png 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-160x98.png 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1536x942.png 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1920x1177.png 1920w\" sizes=\"auto, (max-width: 1990px) 100vw, 1990px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Federal Poverty Guidelines.\u003c/figcaption>\u003c/figure>\n\u003cp>A household can also be eligible if someone in the household is already receiving other benefits, including:\u003c/p>\n\u003cul>\n\u003cli>SNAP (Supplemental Food Assistance Program, known as CalFresh in the state).\u003c/li>\n\u003cli>Medicaid (known as Medi-Cal in California).\u003c/li>\n\u003cli>Federal housing assistance (such as Section 8 vouchers).\u003c/li>\n\u003cli>Bureau of Indian Affairs General Assistance (must also live on qualifying Tribal lands).\u003c/li>\n\u003cli>Veterans Pension or Survivor Benefits.\u003c/li>\n\u003c/ul>\n\u003cp>In fact, internet providers are \u003cem>required\u003c/em> to participate in the federal ACP (or a similar program) in order to receive money from the White House’s \u003ca href=\"https://broadbandusa.ntia.doc.gov/funding-programs/broadband-equity-access-and-deployment-bead-program-0\">Broadband Equity, Access, and Deployment Program\u003c/a> $42.45 billion fund to expand high-speed internet access across the U.S.\u003c/p>\n\u003cp>Major internet providers will also likely have their own guide on how to get rolling on their internet coverage through ACP. These include:\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.att.com/affordable-connectivity-program/internet/new-customer/?source=EC0g000000000000U\">AT&T\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>ACP can be applied to \u003ca href=\"https://www.att.com/internet/access/\">AT&T’s Access feature\u003c/a>, which offers Wi-Fi for free up to \u003ca href=\"https://www.highspeedinternet.com/resources/is-100-mbps-fast\">100 Mbps\u003c/a> after the benefits are activated. (Apply at att.com/getacp or call 866-986-0963.) Have your ACP ID ready. It is possible for households to participate in an Access offer and not ACP.\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.xfinity.com/learn/internet-service/acp\">Comcast/Xfinity\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Along with ACP, Comcast also has an Internet Essential program, which gives $9.95 off per month for 50 Mbps and $29.95 per month for 100 Mbps. \u003ca href=\"https://www.xfinity.com/learn/internet-service/internet-essentials\">Read more about the Internet Essentials Program here\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.t-mobile.com/brand/affordable-connectivity-program\">T-Mobile\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Along with ACP, T-Mobile has the \u003ca href=\"https://www.t-mobile.com/business/education/project-10-million\">Project 10Million program for students\u003c/a>.\u003c/p>\n\u003cp>Internet providers \u003ca href=\"https://www.sonic.com/affordable-connectivity-program\">Sonic\u003c/a> and \u003ca href=\"https://www.monkeybrains.net/\">MonkeyBrains\u003c/a> (which is based in San Francisco) also have their own guides to getting ACP through their services.\u003c/p>\n\u003ch2>How else can I find free or low-cost Wi-Fi?\u003c/h2>\n\u003cp>\u003ca href=\"https://www.fcc.gov/lifeline-consumers\">Lifeline\u003c/a> is a FCC program that provides discounts for phone or internet service. While separate to ACP, households who qualify for Lifeline also qualify for ACP, and it’s technically possible to be enrolled in both programs (more on this below).\u003c/p>\n\u003cp>Lifeline provides up to $9.25 off the monthly bill for eligible lower-income households (up to $34.25 per month for those on Tribal lands.) There are, however, caveats: One household cannot have more than one Lifeline service, and it cannot get a discount on both wireline (home phone) or wireless (cell phone) services.[aside label='More Guides from KQED' tag='audience-news']\u003c/p>\n\u003cp>But there is also \u003ca href=\"https://www.californialifeline.com/en/discounts_comparison\">a California-only version of Lifeline.\u003c/a> Here, the monthly cell phone service discount is up to $17.90 and the service connection discount is up to $39 — but again, there’s fine print. “Only one discount per household for each residential address is allowed (except for teletypewriter users and for Deaf and Disabled Telecommunications Program participants),” \u003ca href=\"https://www.californialifeline.com/en/discounts_comparison\">the website reads\u003c/a>. “Households cannot get the discount from multiple phone companies. Households that do not follow the one discount per household rule will lose their discounts.”\u003c/p>\n\u003cp>California households qualify for either Lifeline program if they are enrolled in other benefits programs such as:\u003c/p>\n\u003cul>\n\u003cli>Medicaid/Medi-Cal\u003c/li>\n\u003cli>SNAP/CalFresh\u003c/li>\n\u003cli>Section 8\u003c/li>\n\u003cli>Tribal Temporary Assistance for Needy Families\u003c/li>\n\u003c/ul>\n\u003cp>Households can also qualify based on income before taxes. If a household is made up of one to two people, that collective income must be at or under $32,500. For a house of four, it must be at or under $45,900. \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/lifeline/california-lifeline-eligibility#qualify\">See the full eligibility list for Lifeline\u003c/a>.\u003c/p>\n\u003cp>If households are only interested in broadband (internet access), they can apply for Lifeline on \u003ca href=\"https://www.getinternet.gov/apply?id=nv_home\">the National Verifier application system\u003c/a>. If you’d like help from an internet service provider when getting connected, you can check out \u003ca href=\"https://cnm.universalservice.org/\">this tool to see which companies are nearest to you\u003c/a>. Households will have to recertify every year.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>So how can I enroll in Lifeline and ACP for discounts on my phone and internet?\u003c/h2>\n\u003cp>It is possible for households to be in \u003ca href=\"https://www.fcc.gov/affordable-connectivity-program-consumer-faq\">both ACP and Lifeline programs\u003c/a>. However, being in Lifeline doesn’t automatically enroll a household in the ACP — users would have to opt-in with their internet provider or request enrollment with the ACP.\u003c/p>\n\u003cp>“You can also combine these benefits with other state and local benefits where available,” \u003ca href=\"https://www.fcc.gov/affordable-connectivity-program-consumer-faq\">the FCC website states\u003c/a>. “They can be applied to the same qualifying service or separately to a Lifeline service and an Affordable Connectivity Program service with the same or different providers.”\u003c/p>\n\u003cp>“For example, an eligible household could have a Lifeline-supported mobile phone service and a separate home internet service that is supported through the Affordable Connectivity Program.”\u003c/p>\n\u003ch2>Map: Find a free or low-cost internet plan near you\u003c/h2>\n\u003cp>California’s Public Utilities Commission has \u003ca href=\"https://www.cpuc.ca.gov/industries-and-topics/internet-and-phone/california-low-cost-internet-plans\">a tool for users to find free or low-cost options near them, sorted by zip code\u003c/a>.\u003c/p>\n\u003cp>Hover over the highlighted areas to get more information broken down to mobile providers and internet providers near you.\u003c/p>\n\u003cfigure id=\"attachment_11954218\" class=\"wp-caption aligncenter\" style=\"max-width: 2072px\">\u003ca href=\"https://www.cpuc.ca.gov/industries-and-topics/internet-and-phone/california-low-cost-internet-plans\" rel=\"attachment wp-att-11954218\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11954218 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM.png\" alt=\"a screenshot of a map with degrees of color, showing which and how many low-cost internet providers are available in this neighborhood of San Francisco\" width=\"2072\" height=\"1574\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM.png 2072w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-800x608.png 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1020x775.png 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-160x122.png 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1536x1167.png 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-2048x1556.png 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1920x1459.png 1920w\" sizes=\"auto, (max-width: 2072px) 100vw, 2072px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The CPUC provides a map showing low cost internet plans near you.\u003c/figcaption>\u003c/figure>\n\u003cp>For example, in 94110 (where KQED’s office is located), \u003ca href=\"https://www.xfinity.com/learn/internet-service/internet-essentials\">Comcast’s Internet Essentials\u003c/a> is a nearby low-cost option.\u003c/p>\n\u003ch2>What are some other useful programs for free or low-cost Wi-Fi?\u003c/h2>\n\u003cp>Residents also may qualify for the \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/ddtp\">Deaf and Disabled Telecommunication Program\u003c/a> that provides specialized technology and services.\u003c/p>\n\u003cp>For those who represent community-based organizations, they may be eligible for 50% off their connection services through \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/california-teleconnect-fund\">the California Teleconnect Fund\u003c/a>.\u003c/p>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area in 2023. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>[hearken id=\"10483\" src=\"https://modules.wearehearken.com/kqed/embed/10483.js\"]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>\u003cstrong>Update:\u003c/strong> As of February 8, the Affordable Connectivity Program is no longer receiving applications due to \u003ca href=\"https://www.fcc.gov/fcc-taking-steps-wind-down-affordable-connectivity-program\">a lack of federal funding\u003c/a>. Existing participants will receive this discount until current funds run out, which is projected to be in April 2024. Scroll to the end of the article for other options.\u003c/em>\u003c/p>\n\u003cp>Getting that essay done. Checking work emails. Trying to apply for benefits on the city’s website. Looking up the weather. Staying in touch with loved ones. Wi-Fi is a vital part of life — especially during the COVID pandemic — and it is getting increasingly pricey.\u003c/p>\n\u003cp>But over \u003ca href=\"https://www.educationsuperhighway.org/no-home-left-offline/acp-data/#dashboard\">3.7 million California households\u003c/a> are eligible for free or lower cost Wi-Fi and may not even know it — according to April data from EducationSuperHighway, a national nonprofit that partnered with the city of San Francisco to get more people online through \u003ca href=\"https://sf.gov/news/mayors-office-housing-and-community-development-launches-citywide-initiative-increase\">the Affordable Connectivity Program\u003c/a>.\u003c/p>\n\u003cp>Do you qualify? How can you get free or low-cost Wi-Fi near you? Keep reading for what you need to know about finding free or low-cost Wi-Fi in California.\u003c/p>\n\u003ch2>What is the Affordable Connectivity Program?\u003c/h2>\n\u003cp>\u003ca href=\"https://www.fcc.gov/acp\">The Affordable Connectivity Program\u003c/a> is a \u003ca href=\"https://sf.gov/news/mayors-office-housing-and-community-development-launches-citywide-initiative-increase\">$14.2 billion program\u003c/a> from the Federal Communications Commission that provides households with discounts on — or access to — broadband internet. ACP offers a discount of $30 per month on broadband plans, or a discount of $75 for people living on Tribal lands. Broadband is the internet connection that you physically connect to a router with a wire — i.e., what you get at home. Wi-Fi is wireless. So once you plug in the wireless router at your house, this means that, depending on \u003ca href=\"https://www.xfinity.com/learn/internet-service/acp/free-internet\">the cost of your broadband internet plan\u003c/a>, the ACP discount could make your home Wi-Fi free.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>The program also offers a one-time $100 to purchase a laptop, computer, or tablet just for participating, as long as that household contributes more than $10 (and less than $50) toward the purchase price. (ACP is limited to one monthly service discount and device discount per household.)\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#tellus\">Tell us: What else do you need information about right now?\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>Lots of people who could be getting discounted Wi-Fi, though, aren’t using this program. Just 36% of eligible California households are enrolled in ACP — and adoption rates are even lower in Bay Area cities.\u003c/p>\n\u003cp>San Francisco has a 28% adoption rate, Oakland’s rate is 29%, and San José’s 26% — meaning most of these cities’ eligible households are missing out on affordable Wi-Fi that could benefit their work, education and everyday life.\u003c/p>\n\u003cp>\u003cem>Check out the map below to see how many California cities are enrolled in the Affordable Connectivity Program:\u003c/em>\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" title=\"The rate of households in California cities that are enrolled in the Affordable Connectivity Program\" aria-label=\"Map\" id=\"datawrapper-chart-C641y\" src=\"https://datawrapper.dwcdn.net/C641y/3/\" scrolling=\"no\" frameborder=\"0\" style=\"border: none;\" width=\"600\" height=\"893\" data-external=\"1\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch2>Who is eligible for the Affordable Connectivity Program?\u003c/h2>\n\u003cp>ACP has a \u003ca href=\"https://getacp.org/esh\">quick tool\u003c/a> to check if your household is eligible for discounted internet. It also tells you what documents you need to prepare for the application.\u003c/p>\n\u003cp>In general, people are eligible if the household income is at or below 200% of the Federal Poverty Guidelines. For individuals, that’s an annual income of $27,180 or lower. For a household of four, that’s $55,500 per year or lower. \u003ca href=\"https://www.coveredca.com/pdfs/FPL-chart.pdf\">See the entire income guideline table (PDF)\u003c/a>.\u003c/p>\n\u003cfigure id=\"attachment_11954204\" class=\"wp-caption aligncenter\" style=\"max-width: 1990px\">\u003ca href=\"https://www.coveredca.com/pdfs/FPL-chart.pdf\" rel=\"attachment wp-att-11954204\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11954204\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM.png\" alt=\"a chart showing the federal poverty guidelines\" width=\"1990\" height=\"1220\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM.png 1990w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-800x490.png 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1020x625.png 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-160x98.png 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1536x942.png 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-10.50.47-AM-1920x1177.png 1920w\" sizes=\"auto, (max-width: 1990px) 100vw, 1990px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Federal Poverty Guidelines.\u003c/figcaption>\u003c/figure>\n\u003cp>A household can also be eligible if someone in the household is already receiving other benefits, including:\u003c/p>\n\u003cul>\n\u003cli>SNAP (Supplemental Food Assistance Program, known as CalFresh in the state).\u003c/li>\n\u003cli>Medicaid (known as Medi-Cal in California).\u003c/li>\n\u003cli>Federal housing assistance (such as Section 8 vouchers).\u003c/li>\n\u003cli>Bureau of Indian Affairs General Assistance (must also live on qualifying Tribal lands).\u003c/li>\n\u003cli>Veterans Pension or Survivor Benefits.\u003c/li>\n\u003c/ul>\n\u003cp>In fact, internet providers are \u003cem>required\u003c/em> to participate in the federal ACP (or a similar program) in order to receive money from the White House’s \u003ca href=\"https://broadbandusa.ntia.doc.gov/funding-programs/broadband-equity-access-and-deployment-bead-program-0\">Broadband Equity, Access, and Deployment Program\u003c/a> $42.45 billion fund to expand high-speed internet access across the U.S.\u003c/p>\n\u003cp>Major internet providers will also likely have their own guide on how to get rolling on their internet coverage through ACP. These include:\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.att.com/affordable-connectivity-program/internet/new-customer/?source=EC0g000000000000U\">AT&T\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>ACP can be applied to \u003ca href=\"https://www.att.com/internet/access/\">AT&T’s Access feature\u003c/a>, which offers Wi-Fi for free up to \u003ca href=\"https://www.highspeedinternet.com/resources/is-100-mbps-fast\">100 Mbps\u003c/a> after the benefits are activated. (Apply at att.com/getacp or call 866-986-0963.) Have your ACP ID ready. It is possible for households to participate in an Access offer and not ACP.\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.xfinity.com/learn/internet-service/acp\">Comcast/Xfinity\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Along with ACP, Comcast also has an Internet Essential program, which gives $9.95 off per month for 50 Mbps and $29.95 per month for 100 Mbps. \u003ca href=\"https://www.xfinity.com/learn/internet-service/internet-essentials\">Read more about the Internet Essentials Program here\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>\u003ca href=\"https://www.t-mobile.com/brand/affordable-connectivity-program\">T-Mobile\u003c/a>\u003c/strong>\u003c/p>\n\u003cp>Along with ACP, T-Mobile has the \u003ca href=\"https://www.t-mobile.com/business/education/project-10-million\">Project 10Million program for students\u003c/a>.\u003c/p>\n\u003cp>Internet providers \u003ca href=\"https://www.sonic.com/affordable-connectivity-program\">Sonic\u003c/a> and \u003ca href=\"https://www.monkeybrains.net/\">MonkeyBrains\u003c/a> (which is based in San Francisco) also have their own guides to getting ACP through their services.\u003c/p>\n\u003ch2>How else can I find free or low-cost Wi-Fi?\u003c/h2>\n\u003cp>\u003ca href=\"https://www.fcc.gov/lifeline-consumers\">Lifeline\u003c/a> is a FCC program that provides discounts for phone or internet service. While separate to ACP, households who qualify for Lifeline also qualify for ACP, and it’s technically possible to be enrolled in both programs (more on this below).\u003c/p>\n\u003cp>Lifeline provides up to $9.25 off the monthly bill for eligible lower-income households (up to $34.25 per month for those on Tribal lands.) There are, however, caveats: One household cannot have more than one Lifeline service, and it cannot get a discount on both wireline (home phone) or wireless (cell phone) services.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But there is also \u003ca href=\"https://www.californialifeline.com/en/discounts_comparison\">a California-only version of Lifeline.\u003c/a> Here, the monthly cell phone service discount is up to $17.90 and the service connection discount is up to $39 — but again, there’s fine print. “Only one discount per household for each residential address is allowed (except for teletypewriter users and for Deaf and Disabled Telecommunications Program participants),” \u003ca href=\"https://www.californialifeline.com/en/discounts_comparison\">the website reads\u003c/a>. “Households cannot get the discount from multiple phone companies. Households that do not follow the one discount per household rule will lose their discounts.”\u003c/p>\n\u003cp>California households qualify for either Lifeline program if they are enrolled in other benefits programs such as:\u003c/p>\n\u003cul>\n\u003cli>Medicaid/Medi-Cal\u003c/li>\n\u003cli>SNAP/CalFresh\u003c/li>\n\u003cli>Section 8\u003c/li>\n\u003cli>Tribal Temporary Assistance for Needy Families\u003c/li>\n\u003c/ul>\n\u003cp>Households can also qualify based on income before taxes. If a household is made up of one to two people, that collective income must be at or under $32,500. For a house of four, it must be at or under $45,900. \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/lifeline/california-lifeline-eligibility#qualify\">See the full eligibility list for Lifeline\u003c/a>.\u003c/p>\n\u003cp>If households are only interested in broadband (internet access), they can apply for Lifeline on \u003ca href=\"https://www.getinternet.gov/apply?id=nv_home\">the National Verifier application system\u003c/a>. If you’d like help from an internet service provider when getting connected, you can check out \u003ca href=\"https://cnm.universalservice.org/\">this tool to see which companies are nearest to you\u003c/a>. Households will have to recertify every year.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>So how can I enroll in Lifeline and ACP for discounts on my phone and internet?\u003c/h2>\n\u003cp>It is possible for households to be in \u003ca href=\"https://www.fcc.gov/affordable-connectivity-program-consumer-faq\">both ACP and Lifeline programs\u003c/a>. However, being in Lifeline doesn’t automatically enroll a household in the ACP — users would have to opt-in with their internet provider or request enrollment with the ACP.\u003c/p>\n\u003cp>“You can also combine these benefits with other state and local benefits where available,” \u003ca href=\"https://www.fcc.gov/affordable-connectivity-program-consumer-faq\">the FCC website states\u003c/a>. “They can be applied to the same qualifying service or separately to a Lifeline service and an Affordable Connectivity Program service with the same or different providers.”\u003c/p>\n\u003cp>“For example, an eligible household could have a Lifeline-supported mobile phone service and a separate home internet service that is supported through the Affordable Connectivity Program.”\u003c/p>\n\u003ch2>Map: Find a free or low-cost internet plan near you\u003c/h2>\n\u003cp>California’s Public Utilities Commission has \u003ca href=\"https://www.cpuc.ca.gov/industries-and-topics/internet-and-phone/california-low-cost-internet-plans\">a tool for users to find free or low-cost options near them, sorted by zip code\u003c/a>.\u003c/p>\n\u003cp>Hover over the highlighted areas to get more information broken down to mobile providers and internet providers near you.\u003c/p>\n\u003cfigure id=\"attachment_11954218\" class=\"wp-caption aligncenter\" style=\"max-width: 2072px\">\u003ca href=\"https://www.cpuc.ca.gov/industries-and-topics/internet-and-phone/california-low-cost-internet-plans\" rel=\"attachment wp-att-11954218\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"wp-image-11954218 size-full\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM.png\" alt=\"a screenshot of a map with degrees of color, showing which and how many low-cost internet providers are available in this neighborhood of San Francisco\" width=\"2072\" height=\"1574\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM.png 2072w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-800x608.png 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1020x775.png 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-160x122.png 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1536x1167.png 1536w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-2048x1556.png 2048w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/06/Screen-Shot-2023-06-27-at-11.46.52-AM-1920x1459.png 1920w\" sizes=\"auto, (max-width: 2072px) 100vw, 2072px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The CPUC provides a map showing low cost internet plans near you.\u003c/figcaption>\u003c/figure>\n\u003cp>For example, in 94110 (where KQED’s office is located), \u003ca href=\"https://www.xfinity.com/learn/internet-service/internet-essentials\">Comcast’s Internet Essentials\u003c/a> is a nearby low-cost option.\u003c/p>\n\u003ch2>What are some other useful programs for free or low-cost Wi-Fi?\u003c/h2>\n\u003cp>Residents also may qualify for the \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/ddtp\">Deaf and Disabled Telecommunication Program\u003c/a> that provides specialized technology and services.\u003c/p>\n\u003cp>For those who represent community-based organizations, they may be eligible for 50% off their connection services through \u003ca href=\"https://www.cpuc.ca.gov/consumer-support/financial-assistance-savings-and-discounts/california-teleconnect-fund\">the California Teleconnect Fund\u003c/a>.\u003c/p>\n\u003ch2>\u003ca id=\"tellus\">\u003c/a>Tell us: What else do you need information about?\u003c/h2>\n\u003cp>At KQED News, we know that it can sometimes be hard to track down the answers to navigate life in the Bay Area in 2023. We’ve published \u003ca href=\"https://www.kqed.org/news/tag/coronavirus-resources-and-explainers\">clear, practical explainers and guides about COVID\u003c/a>, \u003ca href=\"https://www.kqed.org/news/11936674/how-to-prepare-for-this-weeks-atmospheric-river-storm-sandbags-emergency-kits-and-more\">how to cope with intense winter weather\u003c/a> and \u003ca href=\"https://www.kqed.org/news/11821950/how-to-safely-attend-a-protest-in-the-bay-area\">how to exercise your right to protest safely\u003c/a>.\u003c/p>\n\u003cp>So tell us: What do you need to know more about? Tell us, and you could see your question answered online or on social media. What you submit will make our reporting stronger, and help us decide what to cover here on our site, and on KQED Public Radio, too.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"slug": "fed-takes-partial-blame-for-silicon-valley-bank-collapse",
"title": "Fed Takes Partial Blame for Silicon Valley Bank Collapse",
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"headTitle": "Fed Takes Partial Blame for Silicon Valley Bank Collapse | KQED",
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"content": "\u003cp>The Federal Reserve says its own light-touch approach to bank regulation is partly to blame for the collapse of Silicon Valley Bank last month, and it promised more vigorous oversight in the future.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.federalreserve.gov/publications/files/svb-review-20230428.pdf\">scathing 114-page report (PDF)\u003c/a>, the Fed says its own supervisors were slow to grasp the extent of the problems at Silicon Valley Bank, and when problems were identified, supervisors failed to move aggressively enough to ensure those problems were fixed.\u003c/p>\n\u003cfigure id=\"attachment_11948027\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-11948027\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg\" alt=\"Headshot of a white middle-aged man with a suit looking away from the camera with a serious expression.\" width=\"640\" height=\"426\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434.jpg 1024w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Michael Barr, vice chair for supervision of the Board of Governors of the Federal Reserve System, testifies during the House Financial Services Committee hearing titled The Federal Regulators’ Response to Recent Bank Failures, in Rayburn Building in Washington DC, March 29, 2023. \u003ccite>(Tom Williams/CQ-Roll Call, Inc via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The report says changes adopted in 2019 that exempted all but the biggest banks from strict scrutiny — along with a cultural shift toward less-assertive policing of banks — allowed problems at Silicon Valley Bank to fester until it was too late.\u003c/p>\n\u003cp>“Following Silicon Valley Bank’s failure, we must strengthen the Federal Reserve’s supervision and regulation, based on what we have learned,” said Michael Barr, the Fed’s vice chair for supervision, who led the review.\u003c/p>\n\u003cp>Barr took over as the Fed’s top bank regulator last July, replacing Randal Quarles, who oversaw the changes made in 2019. Barr’s more aggressive approach to bank regulation has drawn criticism from Senate Republicans. But it has the backing of Fed chairman Jerome Powell.\u003c/p>\n\u003cp>“I welcome this thorough and self-critical report on Federal Reserve supervision from Vice Chair Barr,” Powell said in a statement. “I agree with and support his recommendations to address our rules and supervisory practices, and I am confident they will lead to a stronger and more resilient banking system.”[aside label=\"Related Stories\" postID=\"forum_2010101892482,news_11943452,news_11945075\"]Barr found that some of the problems at Silicon Valley Bank were unique, based on its heavy concentration in the tech industry, its shoddy risk-management practices, and its large share of uninsured deposits — which customers raced to withdraw when problems surfaced.\u003c/p>\n\u003cp>But the failure holds lessons for the broader financial system and the way it’s regulated.\u003c/p>\n\u003cp>The speed of the bank run at Silicon Valley — where customers tried to withdraw an unprecedented $140 billion over the course of two days — will force the Fed to rethink its approach, in an age where rumors can spread rapidly on social media and money can be moved instantly with a tap on a smart phone.\u003c/p>\n\u003cp>The experience also shows that any bank failure can have widespread ripple effects, even if the bank is not extremely large or well-connected. The collapse of Silicon Valley Bank and Signature Bank in New York two days later rattled confidence in the nation’s overall banking system and required the federal government to take emergency steps to prevent a wider bank run.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"excerpt": "The scathing and self-critical report led by Vice Chair for Supervision Michael Barr said the Fed was slow to grasp the extent of the problems at Silicon Valley Bank and that supervisors were not aggressive enough to ensure those problems were fixed.",
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"title": "Fed Takes Partial Blame for Silicon Valley Bank Collapse | KQED",
"description": "The scathing and self-critical report led by Vice Chair for Supervision Michael Barr said the Fed was slow to grasp the extent of the problems at Silicon Valley Bank and that supervisors were not aggressive enough to ensure those problems were fixed.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The Federal Reserve says its own light-touch approach to bank regulation is partly to blame for the collapse of Silicon Valley Bank last month, and it promised more vigorous oversight in the future.\u003c/p>\n\u003cp>In a \u003ca href=\"https://www.federalreserve.gov/publications/files/svb-review-20230428.pdf\">scathing 114-page report (PDF)\u003c/a>, the Fed says its own supervisors were slow to grasp the extent of the problems at Silicon Valley Bank, and when problems were identified, supervisors failed to move aggressively enough to ensure those problems were fixed.\u003c/p>\n\u003cfigure id=\"attachment_11948027\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-11948027\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg\" alt=\"Headshot of a white middle-aged man with a suit looking away from the camera with a serious expression.\" width=\"640\" height=\"426\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-1020x679.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-800x533.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434-160x107.jpg 160w, https://cdn.kqed.org/wp-content/uploads/sites/10/2023/04/GettyImages-1250750434.jpg 1024w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\">\u003cfigcaption class=\"wp-caption-text\">Michael Barr, vice chair for supervision of the Board of Governors of the Federal Reserve System, testifies during the House Financial Services Committee hearing titled The Federal Regulators’ Response to Recent Bank Failures, in Rayburn Building in Washington DC, March 29, 2023. \u003ccite>(Tom Williams/CQ-Roll Call, Inc via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>The report says changes adopted in 2019 that exempted all but the biggest banks from strict scrutiny — along with a cultural shift toward less-assertive policing of banks — allowed problems at Silicon Valley Bank to fester until it was too late.\u003c/p>\n\u003cp>“Following Silicon Valley Bank’s failure, we must strengthen the Federal Reserve’s supervision and regulation, based on what we have learned,” said Michael Barr, the Fed’s vice chair for supervision, who led the review.\u003c/p>\n\u003cp>Barr took over as the Fed’s top bank regulator last July, replacing Randal Quarles, who oversaw the changes made in 2019. Barr’s more aggressive approach to bank regulation has drawn criticism from Senate Republicans. But it has the backing of Fed chairman Jerome Powell.\u003c/p>\n\u003cp>“I welcome this thorough and self-critical report on Federal Reserve supervision from Vice Chair Barr,” Powell said in a statement. “I agree with and support his recommendations to address our rules and supervisory practices, and I am confident they will lead to a stronger and more resilient banking system.”\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Barr found that some of the problems at Silicon Valley Bank were unique, based on its heavy concentration in the tech industry, its shoddy risk-management practices, and its large share of uninsured deposits — which customers raced to withdraw when problems surfaced.\u003c/p>\n\u003cp>But the failure holds lessons for the broader financial system and the way it’s regulated.\u003c/p>\n\u003cp>The speed of the bank run at Silicon Valley — where customers tried to withdraw an unprecedented $140 billion over the course of two days — will force the Fed to rethink its approach, in an age where rumors can spread rapidly on social media and money can be moved instantly with a tap on a smart phone.\u003c/p>\n\u003cp>The experience also shows that any bank failure can have widespread ripple effects, even if the bank is not extremely large or well-connected. The collapse of Silicon Valley Bank and Signature Bank in New York two days later rattled confidence in the nation’s overall banking system and required the federal government to take emergency steps to prevent a wider bank run.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Teresa Partain has a job few people know exists. She’s a content moderator for Google’s ads engine and many of her colleagues do the same work for Google Search. Their job is to make sure the results people see are accurate and not spam or scams. Google calls these workers “quality raters,” but Partain said they call themselves “ghost workers.”\u003c/p>\n\u003cp>“Most people — even at Google — have no idea that we exist,” Partain said. “They don’t know that there are human beings doing a lot of the work. They think that the software is magic and already perfect and doesn’t need maintenance. And that’s just not true.”\u003c/p>\n\u003cp>But now they want to be seen. They’ve written letters to Google executives, held a rally outside the company’s Silicon Valley headquarters and created a petition to demand benefits and better pay.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Partain isn’t employed by Google directly, but by a subcontractor called Appen. And, she said, that employment setup is what has led to worker grievances — mainly low wages, no benefits and isolation from colleagues. Partain is one of at least 10,000 people worldwide doing this job, according to Google.\u003c/p>\n\u003cp>They work from home and even though they’re employed by subcontractors, they’re given assignments directly by Google. Partain evaluates the quality and placement of Google ads, while her colleagues rate the quality of Google Search results. Their tasks can range from confirming a search for “carrot cake recipe” brings up relevant results to making sure an airfare ad doesn’t appear next to a news story about a plane crash.\u003c/p>\n\u003cp>Without them, Google Search wouldn’t function smoothly. Google says it gets \u003ca href=\"https://www.google.com/search/howsearchworks/how-search-works/rigorous-testing/\">billions of queries\u003c/a> every day and it’s constantly making improvements to ensure its algorithms keep up. Danny Sullivan, the company’s public liaison for Search, wrote in a\u003ca href=\"https://blog.google/products/search/raters-experiments-improve-google-search/\"> blog post\u003c/a> that getting feedback from raters is “a key part of our evaluation process.”[pullquote align=\"right\" size=\"medium\" citation=\"Roberto Clack, executive director, Temp Worker Justice\"]‘A lot of people don’t really understand just how prevalent the subcontracting and staffing agency usage is. These models are really the driving force towards lower labor standards.’[/pullquote]Raters work on Google’s two most vital products — Search and ads. In 2022, Google made more than \u003ca href=\"https://abc.xyz/investor/static/pdf/20230203_alphabet_10K.pdf?cache=5ae4398\">$224 billion in revenue (PDF)\u003c/a> from Search and advertising, accounting for more than 79% of its total revenue. For comparison, that’s more than the entire gross domestic product of Greece.\u003c/p>\n\u003cp>“We support billions of dollars of revenue,” Google rater Ed Stackhouse told NPR. “And we get paid less than your average fast food worker.”\u003c/p>\n\u003cp>Google raters who work for Appen make between $14 and $14.50 an hour and under company policy can’t work more than 29 hours a week. Raters who spoke with NPR said they have health conditions or family needs that require them to work from home and they appreciate they can do that. But, since they can’t work more than 29 hours a week, they’re not eligible for benefits like health care and sick leave.\u003c/p>\n\u003cp>Google spokesperson Courtenay Mencini told NPR in a statement that “Our suppliers manage all employment terms for the raters, including pay and benefits.” Appen, which is an Australian company that has other big tech clients such as Salesforce and LinkedIn, didn’t respond to multiple requests for comment.\u003c/p>\n\u003ch2>Ramping up the pressure\u003c/h2>\n\u003cp>A group of about 50 Google workers gathered in an outdoor courtyard at the company’s sprawling California headquarters in February. Many of them wore red t-shirts that sported the Alphabet Workers Union logo, which is a labor group made up of people who work for Google and its parent company Alphabet.\u003c/p>\n\u003cp>They unfurled a massive white cloth banner that read, “Google: End Rater Poverty” and chanted “Equal pay for equal work.”\u003c/p>\n\u003cp>Raters had come from around the country to hand deliver a \u003ca href=\"https://www.ratersunion.org/\">petition\u003c/a> to Prabhakar Raghavan, Google’s senior vice president in charge of Search, ads and other divisions. The petition, which has now been signed by more than 850 raters, asks Raghavan to meet with them to discuss better pay and benefits.[pullquote align=\"right\" size=\"medium\" citation=\"Ed Stackhouse, Google rater\"]‘We support billions of dollars of revenue. And we get paid less than your average fast food worker.’[/pullquote]Partain flew in from Kansas for the rally and said she’d been a rater for more than seven years and that she and her colleagues “want to be able to do our job well, earn a dignified wage and have access to basic benefits.” The raters were joined by worker advocates, local politicians and union representatives.\u003c/p>\n\u003cp>“A lot of people don’t really understand just how prevalent the subcontracting and staffing agency usage is,” said Roberto Clack, executive director of Temp Worker Justice, a nonprofit that advocates for contract workers. “These models are really the driving force towards lower labor standards.”\u003c/p>\n\u003cp>Google’s Mencini declined to provide numbers on the company’s subcontractor workforce. But, according to estimates from the Alphabet Workers Union, Alphabet has around 200,000 contract workers worldwide who do \u003ca href=\"https://everygoogleworker.alphabetworkersunion.org/\">all sorts of jobs\u003c/a>. That’s more than 50% of the company’s total workforce.\u003c/p>\n\u003cdiv>\n\u003cp>The raters’ pressure campaign on Google began last year. With the help of Alphabet Workers Union, they began meeting each other and organizing online.\u003c/p>\n\u003cp>In May, Alphabet Workers Union published an open letter to Raghavan demanding the company raise pay for raters. Then, in January of this year, raters who work for Appen \u003ca href=\"https://www.forbes.com/sites/richardnieva/2023/01/11/google-search-quality-rater-raise/\">got their first-ever raise\u003c/a> to $14 or $14.50 an hour, based on seniority. Previously, workers made roughly $10 to $13 an hour.\u003c/p>\n\u003cp>After the February rally, Appen raters were told they’d get another raise by the end of this year that would increase their pay to $15 an hour. Then, a couple weeks later, Appen sent them an email saying the hours they work could be extended from the previous maximum of 26 hours per week to what raters have now — 29 hours per week. Raters can work their own hours, but it can be no more than 29 per week.\u003c/p>\n\u003cp>“So, the magic 30 hours a week is what we can’t go past,” Partain said.\u003c/p>\n\u003cp>Google’s Mencini told NPR that the company’s \u003ca href=\"https://urldefense.com/v3/__https:/support.google.com/corporate-suppliers/answer/10208902/*zippy=__;Iw!!Iwwt!Ub5DUC5iYYOJz9Y7sePkrMr9s_4Id4QlDovj04rf7c2RxXO5jdmw1TQ2oA5dU4_x1Qyq8MnV7RFg%24\">Wages and Benefits standards\u003c/a> — which would provide health care and sick leave to contractors — only apply to people who are assigned to Google at least 30 hours per week and have access to the company’s corporate systems or campuses.\u003c/p>\n\u003cp>Raters say that as long as they haven’t met that threshold, they’re going to keep up the pressure.\u003c/p>\n\u003cp>“What we’re asking for now is just to be allowed to get the same benefits as people who work 30 hours a week are supposed to get,” Partain said. “And if we have to work 30 hours a week in order to get them, people would be happy to do that.”\u003c/p>\n\u003cp>As far as a response from Raghavan to meet with them, raters say they’re still waiting.\u003c/p>\n\u003c/div>\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Partain isn’t employed by Google directly, but by a subcontractor called Appen. And, she said, that employment setup is what has led to worker grievances — mainly low wages, no benefits and isolation from colleagues. Partain is one of at least 10,000 people worldwide doing this job, according to Google.\u003c/p>\n\u003cp>They work from home and even though they’re employed by subcontractors, they’re given assignments directly by Google. Partain evaluates the quality and placement of Google ads, while her colleagues rate the quality of Google Search results. Their tasks can range from confirming a search for “carrot cake recipe” brings up relevant results to making sure an airfare ad doesn’t appear next to a news story about a plane crash.\u003c/p>\n\u003cp>Without them, Google Search wouldn’t function smoothly. Google says it gets \u003ca href=\"https://www.google.com/search/howsearchworks/how-search-works/rigorous-testing/\">billions of queries\u003c/a> every day and it’s constantly making improvements to ensure its algorithms keep up. Danny Sullivan, the company’s public liaison for Search, wrote in a\u003ca href=\"https://blog.google/products/search/raters-experiments-improve-google-search/\"> blog post\u003c/a> that getting feedback from raters is “a key part of our evaluation process.”\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Raters work on Google’s two most vital products — Search and ads. In 2022, Google made more than \u003ca href=\"https://abc.xyz/investor/static/pdf/20230203_alphabet_10K.pdf?cache=5ae4398\">$224 billion in revenue (PDF)\u003c/a> from Search and advertising, accounting for more than 79% of its total revenue. For comparison, that’s more than the entire gross domestic product of Greece.\u003c/p>\n\u003cp>“We support billions of dollars of revenue,” Google rater Ed Stackhouse told NPR. “And we get paid less than your average fast food worker.”\u003c/p>\n\u003cp>Google raters who work for Appen make between $14 and $14.50 an hour and under company policy can’t work more than 29 hours a week. Raters who spoke with NPR said they have health conditions or family needs that require them to work from home and they appreciate they can do that. But, since they can’t work more than 29 hours a week, they’re not eligible for benefits like health care and sick leave.\u003c/p>\n\u003cp>Google spokesperson Courtenay Mencini told NPR in a statement that “Our suppliers manage all employment terms for the raters, including pay and benefits.” Appen, which is an Australian company that has other big tech clients such as Salesforce and LinkedIn, didn’t respond to multiple requests for comment.\u003c/p>\n\u003ch2>Ramping up the pressure\u003c/h2>\n\u003cp>A group of about 50 Google workers gathered in an outdoor courtyard at the company’s sprawling California headquarters in February. Many of them wore red t-shirts that sported the Alphabet Workers Union logo, which is a labor group made up of people who work for Google and its parent company Alphabet.\u003c/p>\n\u003cp>They unfurled a massive white cloth banner that read, “Google: End Rater Poverty” and chanted “Equal pay for equal work.”\u003c/p>\n\u003cp>Raters had come from around the country to hand deliver a \u003ca href=\"https://www.ratersunion.org/\">petition\u003c/a> to Prabhakar Raghavan, Google’s senior vice president in charge of Search, ads and other divisions. The petition, which has now been signed by more than 850 raters, asks Raghavan to meet with them to discuss better pay and benefits.\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Partain flew in from Kansas for the rally and said she’d been a rater for more than seven years and that she and her colleagues “want to be able to do our job well, earn a dignified wage and have access to basic benefits.” The raters were joined by worker advocates, local politicians and union representatives.\u003c/p>\n\u003cp>“A lot of people don’t really understand just how prevalent the subcontracting and staffing agency usage is,” said Roberto Clack, executive director of Temp Worker Justice, a nonprofit that advocates for contract workers. “These models are really the driving force towards lower labor standards.”\u003c/p>\n\u003cp>Google’s Mencini declined to provide numbers on the company’s subcontractor workforce. But, according to estimates from the Alphabet Workers Union, Alphabet has around 200,000 contract workers worldwide who do \u003ca href=\"https://everygoogleworker.alphabetworkersunion.org/\">all sorts of jobs\u003c/a>. That’s more than 50% of the company’s total workforce.\u003c/p>\n\u003cdiv>\n\u003cp>The raters’ pressure campaign on Google began last year. With the help of Alphabet Workers Union, they began meeting each other and organizing online.\u003c/p>\n\u003cp>In May, Alphabet Workers Union published an open letter to Raghavan demanding the company raise pay for raters. Then, in January of this year, raters who work for Appen \u003ca href=\"https://www.forbes.com/sites/richardnieva/2023/01/11/google-search-quality-rater-raise/\">got their first-ever raise\u003c/a> to $14 or $14.50 an hour, based on seniority. Previously, workers made roughly $10 to $13 an hour.\u003c/p>\n\u003cp>After the February rally, Appen raters were told they’d get another raise by the end of this year that would increase their pay to $15 an hour. Then, a couple weeks later, Appen sent them an email saying the hours they work could be extended from the previous maximum of 26 hours per week to what raters have now — 29 hours per week. Raters can work their own hours, but it can be no more than 29 per week.\u003c/p>\n\u003cp>“So, the magic 30 hours a week is what we can’t go past,” Partain said.\u003c/p>\n\u003cp>Google’s Mencini told NPR that the company’s \u003ca href=\"https://urldefense.com/v3/__https:/support.google.com/corporate-suppliers/answer/10208902/*zippy=__;Iw!!Iwwt!Ub5DUC5iYYOJz9Y7sePkrMr9s_4Id4QlDovj04rf7c2RxXO5jdmw1TQ2oA5dU4_x1Qyq8MnV7RFg%24\">Wages and Benefits standards\u003c/a> — which would provide health care and sick leave to contractors — only apply to people who are assigned to Google at least 30 hours per week and have access to the company’s corporate systems or campuses.\u003c/p>\n\u003cp>Raters say that as long as they haven’t met that threshold, they’re going to keep up the pressure.\u003c/p>\n\u003cp>“What we’re asking for now is just to be allowed to get the same benefits as people who work 30 hours a week are supposed to get,” Partain said. “And if we have to work 30 hours a week in order to get them, people would be happy to do that.”\u003c/p>\n\u003cp>As far as a response from Raghavan to meet with them, raters say they’re still waiting.\u003c/p>\n\u003c/div>\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>As part of a \u003ca href=\"https://www.svb.com/news/company-news/svb-financial-group-completes-acquisition-of-boston-private2\">merger two years ago\u003c/a>, Silicon Valley Bank entered into a \u003ca href=\"https://calreinvest.org/wp-content/uploads/2021/05/Community-Benefits-Plan-SVB-CRC-GLI.pdf\">community benefits agreement (PDF)\u003c/a>, committing to spending more than \u003ca href=\"https://www.svb.com/news/company-news/svb-financial-group-announces-%24112.2-billion-community-benefits-plan\">$11 billion over five years\u003c/a> on things like \u003ca href=\"https://www.kqed.org/news/11943688/map-bay-area-affordable-housing-projects-impacted-by-silicon-valley-banks-collapse\">affordable housing\u003c/a> and small-business loans in the Bay Area and Los Angeles.\u003c/p>\n\u003cp>But nearly two weeks after \u003ca href=\"https://www.nytimes.com/2023/03/10/business/silicon-valley-bank-stock.html\">SVB’s collapse\u003c/a>, the Federal Deposit Insurance Corporation has struggled to find a buyer for the bank, and has now \u003ca href=\"https://www.reuters.com/business/finance/fdic-extends-bidding-window-svb-seeks-separate-sale-private-unit-2023-03-20/\">broken it up into two separate units\u003c/a>, setting Friday as the \u003ca href=\"https://www.bloomberg.com/news/articles/2023-03-22/fdic-said-to-delay-bid-deadline-for-silicon-valley-private-bank?sref=y3YMCJ4e\">second bidding deadline\u003c/a>.\u003c/p>\n\u003cp>Given all that, it remains unclear whether federal regulators will require prospective buyers to honor the community benefits agreement.\u003c/p>\n\u003cp>“It’s a real economic driver, and a real concern when you lose that,” said Paulina Gonzalez-Brito, CEO of the California Reinvestment Coalition (CRC), which negotiated the agreement.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"silicon-valley-bank\"]“We’ve seen the regulators step in to provide real support for depositors, and we agree that was an important step … and so we’re glad that the depositors are going to be protected,” Gonzalez-Brito added. But, she said, “we hope that there’s going to be just as much attention from the regulators to protect” the agreement.\u003c/p>\n\u003cp>Gonzalez-Brito said she’s heard that private equity and hedge fund managers are interested in buying the bank, which she said may not bode well for the future of the agreement.\u003c/p>\n\u003cp>“If a purchaser is not committed to community reinvestment, I think it becomes really difficult to have them assume responsibility for this commitment, and to successfully implement it,” she said.\u003c/p>\n\u003cp>The CRC, which advocates for lower-income communities and communities of color, consists of 300 members across the state, including affordable housing developers, community development financial institutions and nonprofit legal service agencies.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.dailykos.com/campaigns/petitions/sign-the-petition-save-affordable-housing-keep-the-promises-silicon-valley-bank-made\">petition\u003c/a> started by the group is urging the FDIC to require any buyers to uphold SVB’s affordable housing commitments.\u003c/p>\n\u003cp>“I think it’s a fair assessment to say that the bank was doing a good job, and maybe a better job than other banks, in providing support to affordable housing, to communities of color, to low-income communities, both small-business support as well as housing support,” Gonzalez-Brito said.\u003c/p>\n\u003cp>Ari Beliak, who heads \u003ca href=\"https://merrittcap.org/about-us/\">Merritt Community Capital\u003c/a>, a nonprofit affordable-housing funder that worked closely with SVB, said many of the bank’s staff who work in affordable housing financing are still there — at what’s known as a “\u003ca href=\"https://www.svb.com/about-us/bridge-bank-hub\">bridge bank\u003c/a>” — and say for now, at least, “they’ve been told that they should act as business as usual.”\u003c/p>\n\u003cp>“Silicon Valley Bank has been an investor with Merritt for 15 years. They really increased dramatically the amount of their investment after they signed the community benefits agreement,” he said.\u003c/p>\n\u003cp>The big national banks or investors expected to take over SVB’s assets “look at the macro and not the micro, and the micro is where the people are,” Beliak added.\u003c/p>\n\u003cp>“I don’t know who’s going to step up when Silicon Valley Bank walks away,” he said. “Without them, we don’t know who’s going to step into that void, if anyone’s going to step in.”\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>As part of a \u003ca href=\"https://www.svb.com/news/company-news/svb-financial-group-completes-acquisition-of-boston-private2\">merger two years ago\u003c/a>, Silicon Valley Bank entered into a \u003ca href=\"https://calreinvest.org/wp-content/uploads/2021/05/Community-Benefits-Plan-SVB-CRC-GLI.pdf\">community benefits agreement (PDF)\u003c/a>, committing to spending more than \u003ca href=\"https://www.svb.com/news/company-news/svb-financial-group-announces-%24112.2-billion-community-benefits-plan\">$11 billion over five years\u003c/a> on things like \u003ca href=\"https://www.kqed.org/news/11943688/map-bay-area-affordable-housing-projects-impacted-by-silicon-valley-banks-collapse\">affordable housing\u003c/a> and small-business loans in the Bay Area and Los Angeles.\u003c/p>\n\u003cp>But nearly two weeks after \u003ca href=\"https://www.nytimes.com/2023/03/10/business/silicon-valley-bank-stock.html\">SVB’s collapse\u003c/a>, the Federal Deposit Insurance Corporation has struggled to find a buyer for the bank, and has now \u003ca href=\"https://www.reuters.com/business/finance/fdic-extends-bidding-window-svb-seeks-separate-sale-private-unit-2023-03-20/\">broken it up into two separate units\u003c/a>, setting Friday as the \u003ca href=\"https://www.bloomberg.com/news/articles/2023-03-22/fdic-said-to-delay-bid-deadline-for-silicon-valley-private-bank?sref=y3YMCJ4e\">second bidding deadline\u003c/a>.\u003c/p>\n\u003cp>Given all that, it remains unclear whether federal regulators will require prospective buyers to honor the community benefits agreement.\u003c/p>\n\u003cp>“It’s a real economic driver, and a real concern when you lose that,” said Paulina Gonzalez-Brito, CEO of the California Reinvestment Coalition (CRC), which negotiated the agreement.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>“We’ve seen the regulators step in to provide real support for depositors, and we agree that was an important step … and so we’re glad that the depositors are going to be protected,” Gonzalez-Brito added. But, she said, “we hope that there’s going to be just as much attention from the regulators to protect” the agreement.\u003c/p>\n\u003cp>Gonzalez-Brito said she’s heard that private equity and hedge fund managers are interested in buying the bank, which she said may not bode well for the future of the agreement.\u003c/p>\n\u003cp>“If a purchaser is not committed to community reinvestment, I think it becomes really difficult to have them assume responsibility for this commitment, and to successfully implement it,” she said.\u003c/p>\n\u003cp>The CRC, which advocates for lower-income communities and communities of color, consists of 300 members across the state, including affordable housing developers, community development financial institutions and nonprofit legal service agencies.\u003c/p>\n\u003cp>A \u003ca href=\"https://www.dailykos.com/campaigns/petitions/sign-the-petition-save-affordable-housing-keep-the-promises-silicon-valley-bank-made\">petition\u003c/a> started by the group is urging the FDIC to require any buyers to uphold SVB’s affordable housing commitments.\u003c/p>\n\u003cp>“I think it’s a fair assessment to say that the bank was doing a good job, and maybe a better job than other banks, in providing support to affordable housing, to communities of color, to low-income communities, both small-business support as well as housing support,” Gonzalez-Brito said.\u003c/p>\n\u003cp>Ari Beliak, who heads \u003ca href=\"https://merrittcap.org/about-us/\">Merritt Community Capital\u003c/a>, a nonprofit affordable-housing funder that worked closely with SVB, said many of the bank’s staff who work in affordable housing financing are still there — at what’s known as a “\u003ca href=\"https://www.svb.com/about-us/bridge-bank-hub\">bridge bank\u003c/a>” — and say for now, at least, “they’ve been told that they should act as business as usual.”\u003c/p>\n\u003cp>“Silicon Valley Bank has been an investor with Merritt for 15 years. They really increased dramatically the amount of their investment after they signed the community benefits agreement,” he said.\u003c/p>\n\u003cp>The big national banks or investors expected to take over SVB’s assets “look at the macro and not the micro, and the micro is where the people are,” Beliak added.\u003c/p>\n\u003cp>“I don’t know who’s going to step up when Silicon Valley Bank walks away,” he said. “Without them, we don’t know who’s going to step into that void, if anyone’s going to step in.”\u003cbr>\n\u003c/p>\u003c/div>",
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"content": "\u003cp>\u003cspan style=\"font-weight: 400\">Silicon Valley Bank is best known for its relationships with the tech industry. But the bank also had billions out in loans to developers working on affordable housing projects in the Bay Area\u003c/span>\u003cspan style=\"font-weight: 400\">. Unlike larger banks, regional banks like SVB are more likely to fund local affordable housing projects.\u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">Now that the bank has collapsed, the future of these projects is precarious, and calls into question how these much-needed affordable housing projects are funded in the first place.\u003c/span>\u003c/p>\n\u003cp>\u003ca href=\"https://drive.google.com/file/d/12e5erqBZ6e3snJ6lVZjcefmeWAeoeF4i/view?usp=share_link\">\u003cem>Episode transcript\u003c/em>\u003c/a>\u003c/p>\n\u003cp>\u003cb>Guest: \u003c/b>\u003ca href=\"https://twitter.com/sydneyfjohnson\">\u003cspan style=\"font-weight: 400\">Sydney Johnson,\u003c/span>\u003c/a>\u003cspan style=\"font-weight: 400\"> KQED reporter\u003c/span>\u003c/p>\n\u003cdiv class=\"card card--enclosed grey\">\n\u003cp id=\"embed-code\" class=\"inconsolata\">\n\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https://playlist.megaphone.fm/?e=KQINC7512789498&light=true\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\n\u003c/p>\n\u003c/div>\n\u003cp>\u003cb>Links:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/news/11943688/map-bay-area-affordable-housing-projects-impacted-by-silicon-valley-banks-collapse\">MAP: Bay Area Affordable Housing Projects Impacted by Silicon Valley Bank’s Collapse\u003c/a>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/about/17653/help-make-the-bay-even-better\">\u003cspan style=\"font-weight: 400\">The Bay Survey\u003c/span>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cspan style=\"font-weight: 400\">Silicon Valley Bank is best known for its relationships with the tech industry. But the bank also had billions out in loans to developers working on affordable housing projects in the Bay Area\u003c/span>\u003cspan style=\"font-weight: 400\">. Unlike larger banks, regional banks like SVB are more likely to fund local affordable housing projects.\u003c/span>\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">Now that the bank has collapsed, the future of these projects is precarious, and calls into question how these much-needed affordable housing projects are funded in the first place.\u003c/span>\u003c/p>\n\u003cp>\u003ca href=\"https://drive.google.com/file/d/12e5erqBZ6e3snJ6lVZjcefmeWAeoeF4i/view?usp=share_link\">\u003cem>Episode transcript\u003c/em>\u003c/a>\u003c/p>\n\u003cp>\u003cb>Guest: \u003c/b>\u003ca href=\"https://twitter.com/sydneyfjohnson\">\u003cspan style=\"font-weight: 400\">Sydney Johnson,\u003c/span>\u003c/a>\u003cspan style=\"font-weight: 400\"> KQED reporter\u003c/span>\u003c/p>\n\u003cdiv class=\"card card--enclosed grey\">\n\u003cp id=\"embed-code\" class=\"inconsolata\">\n\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" frameborder=\"0\" height=\"200\" scrolling=\"no\" src=\"https://playlist.megaphone.fm/?e=KQINC7512789498&light=true\" width=\"100%\" class=\"iframe-class\">\u003c/iframe>\n\u003c/p>\n\u003c/div>\n\u003cp>\u003cb>Links:\u003c/b>\u003c/p>\n\u003cul>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/news/11943688/map-bay-area-affordable-housing-projects-impacted-by-silicon-valley-banks-collapse\">MAP: Bay Area Affordable Housing Projects Impacted by Silicon Valley Bank’s Collapse\u003c/a>\u003c/li>\n\u003cli style=\"font-weight: 400\">\u003ca href=\"https://www.kqed.org/about/17653/help-make-the-bay-even-better\">\u003cspan style=\"font-weight: 400\">The Bay Survey\u003c/span>\u003c/a>\u003c/li>\n\u003c/ul>\n\u003cp>\u003c/p>\u003c/div>",
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