I was employed by the same company for 10+ years, was promoted and took on many duties. Over the course of the last few years, the company has been doing terribly financially, payroll bounced or we were asked not to cash it right away and many vendors stopped working with us because they were owed. There were also multiple lawsuits due to monies being owed. Last year, the health insurance carrier dropped my company due to nonpayment. I went 5 weeks with no insurance and the money was still being taken out of my check. The insurance would also often be cancelled and then reinstated prior to this for the same reason but somehow they would make the back payment. So this year when it was time to renew the insurance (8/1/16 because of when we were dropped before) we were told by HR that were keeping the same plan.
At the end of August, I found out that we never had insurance for the month, the carrier dropped us and would not work with the company any longer. HR never told anyone, was very evasive when confronted and the money was still being taken out of paychecks. After a lot of runaround, HR told us we would not have insurance until Oct 1st. She was very sorry, made every excuse, blamed the insurance company, etc.
After a lot of thinking, I decided to quit- I had no trust or confidence that things were going to improve, I was tired of wondering everyday if I and my family were covered by the health insurance or if my paycheck was good. It became a toxic environment because all the employees were demoralized, clients and vendors were unhappy with us and I had to do my job without adequate resources. It's a small company owned by a married couple and the wife handles HR duties as well as accounts payable, so there was no one else to go to. I gave two weeks notice, was as professional and polite as I could be and feel I left on good terms. My supervisor and previous coworkers are my references.
So how do I answer this in an interview? I know I am not supposed to speak negatively but I know I already look suspect because I am not employed. They are still in business, I have no idea how.