In this Wednesday, Sept. 14, 2011 file photo, job-seekers line up to talk to representatives from T-Mobile Express, as they attend a National Career Fairs job fair in Bellevue, Wash. (AP Photo/Ted S. Warren, FILE)

The jobless rate is dipping, but millions of people are still out of work. And that could have implications when they file their income tax returns.

Collecting unemployment insurance benefits? All that you received in 2011 is taxed as income. Unless you requested that federal taxes be withheld, you could be in for a big surprise when you calculate taxes owed.

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