The U.S. unemployment insurance system is not prepared for a recession, according to an analysis by Michele Evermore, a senior fellow at the National Academy of Social Insurance. Most states offer maximum benefits far below the bipartisan recommendation that the top payments cover at least two-thirds of workers' prior average weekly wages. The maximum weekly benefit in Alabama is $275, while a replacement of the state's average weekly wage would be roughly $615. California's top weekly benefit is $450, compared to the recommended amount of around $918. New Hampshire's maximum weekly payout is $427, but the suggested top benefit exceeds $1,008. The findings come at a time when the job market has weakened and many are struggling with rising costs for everyday expenses. Critics argue that higher unemployment benefits may discourage people from rejoining the workforce.