How a Gov't Shutdown Could Affect You

NEW YORK (MainStreet) – With President Barack Obama and Congress still far apart on a budget-cut agreement, it’s looking increasingly likely this week will end with a government shutdown.

First, let’s be clear on what that doesn’t mean: The postal service will not stop delivering the mail, nor will the military have to hold a bake sale. “Essential services” will remain uninterrupted. And it’s not likely the shutdown will last forever – the last time this happened in late 1995, political pressure on both parties brought things to resolution, though the government was still closed for three weeks. With neither party poised to come out of this one smelling like roses, expect cooler heads to prevail sooner rather than later.

Oh, and don’t think this means you get an extension on your taxes. Come hell or high water, that deadline is still April 18.

Here are some situations in which you could find yourself directly affected by the shutdown.

1. You’re a nonessential government employee. Nobody likes to think of themselves as “nonessential,” but if you’re on the federal dime and you’re not delivering the mail, defending the country, taking care of the sick or telling planes when to land, there’s a chance you’ll find the doors to your office locked Monday morning.

At the moment, the Office of Management and Budget has not released its contingency plan for federal agencies that would be affected by the shutdown – which has just prompted a lawsuit by the largest federal employee union. But based on the previous shutdown, a number of employees could find themselves idled or furloughed if they’re deemed inessential to the country’s day-to-day operations.