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worked, to the point where they cannot be Very much more clear.  The question simply reads on a weekly basis, even if you have not yet been paid, did you work this week?  And we find it very hard for individuals to misunderstand that question.  But through language issues and other factors, we do receive that on a periodic basis.  We are also in the process of defining thresholds.  At which point, when does a person’s protestations, no I wasn’t committing fraud, lose its credence.  If an individual’s been advised in the past as to the requirements and they continue to file on a weekly basis and fail to report earnings, can we legitimately say this individual had no idea they were committing unemployment insurance fraud.  If they’ve worked for 26 weeks in a row and failed to report any earnings and drawn an unemployment check during that entire period, can we legitimately believe they didn’t get it.  So these are a lot of esoteric questions that we’re taking under consideration.  But prior to issuing a fraud decision, each individual is contacted and given their administrative opportunity to provide input and information that is worked into that determination.

Chair:Anyone else?

Garbarino:Thank you, Mr. Chairman.  Working with the union, it also has a hiring hall.  And understanding the threats of id theft and fraud.  You mentioned coming to the hiring halls and asking for assistance.  What type of assistance do you think that you’re going to be requiring from the union halls?  Because we also have those issues of safeguarding our members’ information and stuff like that.  And would those requirements or requests be part of the state statute?

Zuelke:Thank you, Mr. Garbarino.  What we’re looking at is informational, more than anything.  I am in the process of developing with Ms. Jones and our Public Information Officer, Mae Flennoy, a series of posters that goes a little deeper in explaining the requirements of an individual when they are filing a claim for unemployment benefits.  One issue that we see, for example, is that people don’t seem to get the concept that I went to work today, I start earning pay today, therefore, when I claim at the end of this week, I must report the pay that I earned.  Some people are under the concept or the belief that I don’t have to declare this until I received my paycheck.  And we actually have a fairly high percentage of those individuals that end up in overpayment situations.  And not all of them are classified as fraud.  Some of them are classified as simple overpayment.  Our work with employers, our work with labor unions will simply be to help us spread the message.  We are not going to tolerate fraud as it pertains to fraud and this is how you’re supposed to be reporting your weeks to us, if and when you return to work.  

Garbarino:Thank you.

Chair:Yes, thank you, David.  Thank you very much Steve.  Oh, I’m sorry.

10:35:43I had one other question.  Just asking how we compare to other states, like neighboring states, such as Utah, in terms of fraudulent claims and recovery.  If that was looked at as well.  From a deterrent side, it sounds like you’re addressing some of those issues with the Legislature coming up, but I was curious as to have

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