Less than half of Delawareans receive unemployment insurance benefits when they lose their job. The claims process is time consuming and demeaning for many. Errors in payment and outright fraud waste millions. There is a better way. Personal Unemployment Accounts (UA), run like a 401K or IRA, can provide an attractive alternative. The bulk of payments are put aside in an interest bearing account managed by a private company or the state pension fund. Payments are made from the account. If funds are not used they can be rolled into your IRA for retirement or left to heirs. This could be a significant way for low income workers to build assets...