(Bankrate) — If you’ve been fired or laid off, there’s state unemployment insurance to fall back on. If you’re injured on the job, there’s workers’ compensation, or even private disability insurance if you have a policy. But what if you are one of the millions of Americans — nearly one in five of us (18.6 percent) according to the latest Gallup numbers — who are underemployed, defined as still drawing income from reduced hours or part-time work? Depending on where you live, you may qualify for partial underemployment or work-share benefits, little-known state programs that can help bridge the gap between what you’re making now and what you used to make.
