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This thread has been super informative! I'm actually in HR at a small company and we get questions about this from new employees all the time. One thing that might help clarify - New York employers pay unemployment insurance taxes at both the state level (to NYS Department of Labor) and federal level (FUTA). The state rate varies based on the employer's experience rating, but employees never see any of this on their paystubs. We always tell new hires that if they don't see an unemployment deduction, that's exactly what they should expect to see!
That's really helpful context from the HR perspective! It makes sense that this is a common question for new employees. I imagine it can be confusing when you're coming from other states or just entering the workforce for the first time. It's reassuring to know that what I'm seeing on my pay stub is exactly what I should expect. Thanks for confirming that the absence of unemployment deductions is the norm here in New York!
As someone who recently went through the unemployment claims process in NY, I can confirm everything mentioned here is accurate. When I filed my claim with NYS Department of Labor, they calculated my benefits based solely on the wages my previous employers had reported - there was no mention of any employee contributions because there aren't any. The whole system is employer-funded through their unemployment insurance taxes. Just make sure your employers are correctly reporting your wages each quarter, since that's what builds your eligibility and determines your benefit amount if you ever need it.
Thanks for sharing your firsthand experience with the claims process! It's really valuable to hear from someone who has actually gone through it. Your point about making sure employers are correctly reporting wages quarterly is something I hadn't thought about - that seems like it could be crucial for anyone's future benefits. Did you find it easy to verify that your wage reports were accurate when you filed your claim, or is that something you wish you had checked on earlier?
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I actually just went through this exact process about 2 months ago! Switched from Wells Fargo to a credit union because of their outrageous maintenance fees. Here's what I learned: Submit your banking change right after you get your current payment (like on a Monday or Tuesday), then wait at least 2 full weeks before filing your next claim. My change took 8 business days to process, but I waited the full 2 weeks to be absolutely certain. The most important thing - and I cannot stress this enough - is to call and verify the change went through before you file again. I used claimyr.com like others mentioned here and got connected to a rep in about 15 minutes. She confirmed my new account was showing in their system and even gave me a confirmation number to write down. Also, DO NOT close your old account until you've received at least 3 payments successfully in your new account. I thought 1 payment would be enough but then had a random backpay adjustment that went to my old account 2 weeks later. Would have been a nightmare if I'd already closed it. The waiting sucks when you're trying to escape those bank fees, but trust me - a few extra weeks of fees is way better than dealing with lost payments and the stress of trying to track down your money in their broken system. Good luck!
This is incredibly thorough and exactly what I needed to hear! The 2 week waiting period with 3 successful payments before closing the old account sounds like the safest approach. I'm definitely going to use claimyr to call and verify - getting that confirmation number is such a smart idea. It's frustrating to pay those bank fees for a few more weeks, but you're absolutely right that it's way better than the nightmare of chasing down lost payments. Thanks for sharing your real experience with the timeline and all the little details like the backpay adjustment going to the old account - I never would have thought of that!
I switched my direct deposit with NY unemployment about 3 months ago and it was honestly way less scary than I thought it would be! Here's my timeline: Updated my info on a Thursday morning right after my payment hit, used claimyr.com to call and confirm it was in their system on Friday (got through in like 20 minutes which was amazing), and the change was fully processed by the following Wednesday - so about 6 business days total. My strategy was to update right after receiving a payment, then skip filing for one full week just to be 100% sure everything was working. Yeah I missed one week of payments but it was worth the peace of mind. When I filed the following week, boom - payment went straight to my new credit union account with no issues. One thing that really helped was keeping a detailed log of everything - when I submitted the change, confirmation numbers, when I called, what the rep told me, etc. The unemployment system can be so unpredictable that having that paper trail made me feel way more confident about the whole process. Definitely keep your old account open for at least a month after the switch though! I had a random overpayment adjustment come through 3 weeks later that went to my old account. Would have been a total mess if I'd closed it already. Good luck with your switch - those bank fees are the worst when you're already dealing with unemployment stress!
This is such a smart approach! Skipping one full week of filing to be absolutely certain everything is working is brilliant - I'd rather lose one week than deal with weeks of confusion trying to track down a lost payment. The detailed logging idea is also really helpful, especially with how unpredictable their system seems to be. 6 business days sounds pretty consistent with what most people are experiencing. I'm definitely going to follow your timeline and keep that old account open for at least a month. Thanks for sharing such a clear step-by-step process!
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OMG I'm going through the EXACT same thing right now! I'm in Thailand and they want verification docs but I can't log into my account either. The geo-blocking is insane - even tried 3 different VPN services and nothing works. Been reading through all these comments and it seems like claimyr.com is the real deal based on everyone's experiences. I'm definitely going to try that tomorrow since calling internationally has been a complete waste of money (spent over $200 last month with zero success). Also going to email my state assembly person like others suggested - never thought of that option! This whole system is so broken for people who travel. Thanks everyone for the tips, gives me hope I can actually get this sorted out! 🤞
I feel you on this! I went through something similar when I was in Japan for work. The geo-blocking is absolutely ridiculous - it's like they designed the system to make it impossible for anyone traveling. I ended up having to use that claimyr service too after burning through hundreds on international calls that went nowhere. One tip - make sure you have all your documents ready to email immediately once you get connected to an agent, because they'll want everything right then and there. Also keep your confirmation numbers from any faxes you sent - the agents can sometimes track those down in their system even if they seem lost. The assembly person route is gold too - mine got back to me within 24 hours and had a direct contact at NYSDOL. Stay strong, you'll get through this! 💪
Been dealing with the exact same overseas access nightmare! After reading through all these comments, I'm convinced the regular system is completely broken for international users. The geo-blocking is ridiculous and those international call charges add up fast with zero results. Based on what everyone's saying here, claimyr.com seems like the most reliable solution - multiple people confirming it actually works is pretty convincing. Also definitely going to try contacting my assembly person since that seems to be another solid option people have had success with. It's insane that we have to jump through all these hoops just to submit required documents while traveling, but at least there are workarounds. Thanks to everyone sharing their experiences - really helpful to know I'm not alone in this mess! 🙏
Totally feel your frustration! I'm actually in a similar boat right now - been overseas for 2 weeks and just got hit with the document request. The geo-blocking is absolutely maddening, especially when you're trying to comply with their demands but they make it literally impossible. I've been reading through all these responses too and the claimyr.com solution keeps coming up from multiple people with actual success stories, so that's definitely my next move. The assembly person route sounds promising too - never would have thought of that angle. It's ridiculous that we have to find these workarounds just to access a system we've paid into, but I guess that's the reality. Really appreciate everyone sharing their experiences here - makes me feel less crazy knowing this isn't just me struggling with their broken system! 🤦♂️
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I'm currently at week 5 of waiting for my appeal hearing after being denied for "misconduct" when I was actually terminated for refusing to work in unsafe conditions during a COVID outbreak at my workplace. The stress is overwhelming - I've been surviving on savings that are almost depleted and borrowing money from family. Thank you all for sharing the appeal line number (518-402-0205) - I called this morning at 8 AM and actually got through after 30 minutes on hold! They told me my case is "pending scheduling" and that they're currently booking hearings for appeals filed 8-10 weeks ago, so I'm looking at least another 3-5 weeks. I've been keeping detailed records like others suggested, including photos of the unsafe working conditions and text messages from my supervisor. For anyone else struggling with basic needs while waiting, I discovered that the Salvation Army has an emergency assistance program that can help with utilities and rent - you just need to bring your appeal documentation. Also wanted to mention that I've been attending a virtual support group through NAMI (National Alliance on Mental Illness) because this whole process has really affected my mental health. It's free and they meet twice a week online. This thread has been a lifesaver for practical advice and knowing I'm not going through this nightmare alone. Stay strong everyone!
@a3bb40c81223 I'm so sorry you're dealing with unsafe working conditions on top of this appeal nightmare. Your situation sounds really similar to mine - I was also denied after refusing unsafe work (in my case, faulty equipment that management wouldn't fix). It's encouraging to hear you got through to the appeal line and got an actual timeline, even though 3-5 more weeks sounds brutal when you're running out of savings. Thank you for mentioning the NAMI support group - I've been struggling with anxiety and depression from all this uncertainty and didn't even think about mental health resources. The virtual format sounds perfect since I can barely afford gas to drive anywhere right now. Also really appreciate the Salvation Army tip - I'm going to look into that for utility help since I'm behind on my electric bill. It's insane that we have to become experts in every assistance program just to survive while waiting for benefits we're entitled to. Documenting the unsafe conditions was smart - that kind of evidence should definitely work in your favor at the hearing. Hang in there, we're all rooting for each other!
I'm at week 2 of my appeal process after being denied for "voluntary quit" when I was actually constructively dismissed due to harassment that HR refused to address. Reading through everyone's experiences here has been both helpful and anxiety-inducing - it's clear this is going to be a long haul. I just called the appeal line (518-402-0205) this morning at 8 AM like others suggested and got through after about 25 minutes. They confirmed they received my appeal and supporting documentation, but couldn't give me a specific timeline beyond "8-12 weeks for scheduling." I've started organizing all my evidence like many of you recommended - screenshots of the harassment messages, emails to HR documenting my complaints, and witness contact information. The financial stress is already starting to hit and I'm worried about how I'll manage if this really takes 3-4 months like some of you have experienced. Thank you all for sharing the resources about emergency assistance programs - I'm going to start researching what's available in my area. It's somehow comforting to know I'm not the only one dealing with this broken system, even though I wouldn't wish this stress on anyone. Hoping we all get our hearings scheduled soon and get the benefits we deserve!
@a65d73b81288 I'm really sorry you're dealing with harassment and constructive dismissal - that's such a difficult situation to be in and then have to prove to the DOL on top of it. Week 2 is still very early in this process unfortunately, but it sounds like you're already doing everything right by organizing your evidence and getting confirmation that they received your appeal. The harassment messages and HR emails will be crucial evidence for your hearing - that's exactly the kind of documentation that can make or break these cases. I went through something similar (different circumstances but also wrongfully denied) and I'm now at week 7. The financial stress definitely gets worse over time, so I'd recommend applying for emergency assistance programs sooner rather than later. The 211 service someone mentioned earlier (just dial 2-1-1) was incredibly helpful for finding local resources. Also seconding what others have said about the mental health impact - this process is designed to wear people down. You're not alone in this fight, and having witness contacts is going to be really valuable for your case. Stay organized and don't give up!
Manny Lark
I'm new to this community and wanted to share some encouragement as someone who went through almost exactly what you're describing. I was fired from my retail job about 18 months ago for attendance issues that were caused by my car breaking down multiple times over a few weeks. I was terrified to file for unemployment because I thought being fired meant I had no chance, but this community (and others like it) convinced me to apply anyway. I'm so glad I did! The whole process took about 5 weeks, but I was ultimately approved for benefits. The NYS Department of Labor really did look at the specific circumstances rather than just the fact that I was terminated. What helped my case was being completely transparent about the car trouble, keeping all my repair receipts and towing documentation, and clearly explaining that the attendance issues weren't due to me being irresponsible or not wanting to work. My employer contested the claim (which seems to be pretty standard for retail employers), but during the phone hearing, I was able to present my evidence and explain the situation. The hearing officer understood that mechanical failures are unpredictable and not something you can control. Based on everything you've described, you're in a very similar situation to what I went through, and I really think you have a good chance of being approved. Don't let your employer's version of events discourage you from applying - file that claim today and keep all your car trouble documentation handy. You've got this!
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Freya Andersen
I'm new to this community but I've been reading through all these responses and I'm amazed by how supportive and knowledgeable everyone is! As someone who's never dealt with unemployment before, I was really intimidated by the whole process, but seeing all these success stories from people with similar situations - car trouble, transportation issues, childcare emergencies - has been incredibly reassuring. It's clear that the NYS Department of Labor really does evaluate each case based on the specific circumstances rather than just automatically denying anyone who was fired. The consistent advice from everyone about filing immediately, being completely honest, and keeping documentation seems to be the winning strategy. I'm definitely going to follow everyone's guidance and file my claim today with all my repair receipts organized and ready to go. Thank you to this entire community for creating such a helpful and encouraging discussion - it's exactly what someone in my situation needed to see!
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