The majority of employers seem to be making ex-employees claim from the state. As far as I know it used to be that employers could only do this if the went "bust" but it seems to be common-place now to let employees go & just prove that they cannot afford to pay the lumpsums. I personally know of an employer who has done this - granted the company is struggling - but the employer & his family can still afford their trips to the states on holiday & shopping. So I feel this system is being abused highly & again the country is picking up the bill.