Once the unemployment insurance (insurance?) runs out, apply for Social Security Disability and once you get approved, you are set until Social Security kicks in at age 62. A few side jobs off the books and you can live pretty damn well.
When I was younger, I looked down on these people and prided myself in never drawing a dime from the government at any level. I paid for my own disability insurance and used it twice over approximately 40 years for a broken knee and back surgery. Now in my 70s, I realize I was an idiot. I should have collected as much as I could have scammed the system for.
There is no longer any stigma to living on the dole. In fact most living on the dole live one hell of a lot better than I do. Honor, honesty, integrity and self reliance are no longer a hallmark of Americans. I do grieve for my lost America.
Insurance? There is no legitimate role for government in insurance. It is impossible for anyone to successfully protect people from their own follies. The result of trying to protect people from their own follies it to fill the world with fools. Everybody suffers the consequences. The nation and its economy who follow the path of socialism are inevitably doomed by their own folly.