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Should out-of-work skilled workers be forced to take minimum-wage, unskilled jobs in order to keep their jobless benefits?

Business interests advising the Reagan administration are arguing ''yes.'' The reason: With rising joblessness, some states' reserves for paying weekly unemployment benefits are critically low. A number have had to borrow from federal funds. In response, unemployment compensation taxes on employers have shot up in some states, upsetting businesses.

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Meanwhile, ''help wanted'' columns in newspapers are swollen by job openings for low-wage, unskilled workers. State and local unemployment officials complain that applicants for benefits are ''too choosy.''

The administration has not yet revealed its plans, but the AFL-CIO is worried that conservative business interests will win out and force a tightening of federal policy on benefits.m

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