New York Unemployment

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Ask the community...

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I've been dealing with this same issue for months now. The holiday delays are frustrating but at least they're consistent. One tip - if you have direct deposit, check your account early in the morning on the expected day because sometimes the payments post overnight even if the department processes them the day before. Also, the NYS DOL website has a calendar showing federal holidays that affect payment processing if you want to plan ahead for future delays.

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That's really helpful about checking early in the morning! I didn't know payments could post overnight. Do you happen to know if the calendar on their website shows all the federal holidays for the year? I'd love to bookmark it so I can plan better for future delays.

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Yes, the NYS DOL website does have a full federal holiday calendar! I found it super useful for planning ahead. You can find it in their FAQ section under payment schedules. It shows all the holidays that will affect unemployment payments for the whole year, so you won't be caught off guard like we were with MLK Day.

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Just wanted to add that if you're getting your unemployment via debit card instead of direct deposit, those delays can sometimes be even longer during holidays. The card issuer (KeyBank for NYS) has their own processing schedule on top of the DOL's schedule. I learned this the hard way last Veterans Day when my payment was delayed an extra day beyond what I expected. If you're in a tight spot financially, it might be worth calling KeyBank directly to ask about their holiday processing schedule too.

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Oh wow, I didn't realize the debit card could have even longer delays! That's really good to know. I use direct deposit but my friend uses the KeyBank card and she's always complaining about delays. I'll definitely pass this info along to her. It's crazy how many different layers of processing can affect when we actually get our money.

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I work as a case manager and see this situation fairly often. Your daughter should definitely apply! One important thing to note is that since she's under 18, she may need to provide additional documentation like a work permit (if she had one) or proof of school enrollment to show she was legally authorized to work. Also, don't be discouraged if the initial online application seems confusing - the system isn't always user-friendly for minors. Keep copies of everything you submit, and if you run into issues, you can always visit a local Department of Labor office for in-person help. They're usually more helpful face-to-face than over the phone. Good luck to your daughter - it's great that she had such a solid work history at just 16!

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This is really helpful advice about potentially needing additional documentation for minors! I hadn't thought about the work permit aspect - my daughter did have one when she started at the restaurant, so I'll make sure to locate that before we apply. The suggestion about visiting a local office in person is great too, especially if we run into any roadblocks with the online system. It's reassuring to hear from someone who sees these cases regularly that 16-year-olds do successfully navigate this process. Thanks for the encouragement about her work history - she was really dedicated to that job and learned a lot from it!

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I just went through this process with my 17-year-old nephew last year when he lost his job at a local retail store. One thing I'd recommend is calling the restaurant where your daughter worked to confirm they properly reported all her wages and tips to the state - sometimes smaller restaurants can be inconsistent with their reporting. Also, when she files online, have her Social Security card, work permit (if she had one), and at least 3 months of recent pay stubs ready before starting the application. The system will ask for specific employer details like the restaurant's federal ID number, so you might want to call them for that info too. The whole process took about 2 weeks from application to first payment for my nephew, and he was able to collect benefits while still attending school full-time. Just make sure she's prepared to actively job hunt and document her search efforts - that's the part they really scrutinize!

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I'm dealing with a similar situation right now with my marketing consultancy S corp. Been paying unemployment taxes for 2 years as a 100% owner taking W-2 salary. From everything I'm reading here, it sounds like the key is really being able to prove the closure is involuntary and that you were operating as a legitimate employee. I'm keeping detailed records of all client communications, financial statements, and my employment documentation just in case. Has anyone had success with partial closures? Like if I can only keep maybe 20% of my client base due to market conditions, would that potentially qualify for partial unemployment benefits while I try to rebuild?

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That's a great question about partial closures! From what I've seen in other cases, you might be able to qualify for partial unemployment benefits if you can demonstrate that the reduction in work/income is due to circumstances beyond your control (like widespread client losses due to market conditions) rather than a voluntary business decision. The tricky part with S corp owners is still proving that the reduced work is "involuntary" since technically you could choose to take on new clients. But if you can document that you're actively seeking new business and the market conditions are genuinely preventing you from maintaining your previous income level, it might be worth exploring. I'd definitely recommend getting that consultation with an unemployment law specialist that others mentioned - partial benefits for business owners is an even more nuanced area than complete closures.

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Based on all these experiences shared here, it really seems like the key factors for S corp owners are: 1) proving you operated as a legitimate W-2 employee (not just taking distributions), 2) documenting that the closure/reduction was truly involuntary due to external circumstances, and 3) being prepared to go through the appeals process if initially denied. I'm in a similar boat with my consulting S corp - been paying UI taxes for years but worried about eligibility. The success stories here give me hope that it's worth pursuing if you have solid documentation. One thing I'm wondering - for those who successfully appealed, how important was it to have an employment attorney vs handling it yourself? The process sounds complex enough that professional help might be worth the investment.

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Great summary of the key factors! From what I've seen in other states, having an attorney can definitely help but it's not always necessary if you're organized and persistent. The appeals process is often more about presenting the right documentation than complex legal arguments. That said, if your case has any unusual circumstances or if you're not comfortable navigating the bureaucracy yourself, an attorney who specializes in unemployment law could save you time and stress. Some offer free consultations where they can assess whether your case is strong enough to pursue. Given that you've been paying into the system for years as a legitimate W-2 employee, it seems worth exploring - especially with all the success stories here showing it's definitely possible for S corp owners to qualify.

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The whole system is ridiculous if you ask me. 26 weeks isn't enough time to find a decent job in this economy, especially if you're trying to find something that actually pays a living wage instead of just taking the first minimum wage job that comes along!

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I hear you but at least it's something to help pay bills while searching.

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Just wanted to add that if you exhaust your regular 26 weeks of unemployment benefits, you might be eligible for extended benefits during times of high unemployment, though this depends on economic conditions and federal programs that may be available. Also, make sure you're familiar with the online system at labor.ny.gov - it's much easier than trying to call. You can check your payment history, weekly claim status, and get most of your questions answered through their online portal. Good luck with your job search!

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Thanks for mentioning the online portal! I've been struggling with the phone system too. Quick question - when you say "extended benefits during times of high unemployment," how do you know if those programs are currently active? Is there somewhere specific on the labor.ny.gov site that shows current extended benefit availability?

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I've been on unemployment for about 3 months and learned this the hard way - always keep records! I create a simple Word document for each week with the date, company name, position title, how I applied (Indeed, company website, etc.), and I save confirmation emails in a separate folder. Also don't forget that things like updating your LinkedIn profile, attending virtual job fairs, or even informational interviews count as work search activities. The key is being able to prove you're making a genuine effort to find employment. Better to over-document than risk losing benefits later!

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Great advice about saving confirmation emails in a separate folder! I never thought about informational interviews counting as work search activities - that's really helpful to know. Do you happen to know if there's a minimum amount of time these activities need to take, or is it more about showing you're making genuine contact attempts?

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I've been through this process and want to emphasize how important it is to treat your job search documentation like a business record. I keep a detailed Excel spreadsheet with columns for date, company, position, application method, contact person, and follow-up actions. What really saved me during my audit was having screenshots of job postings and confirmation emails. Also, don't overlook networking activities - I counted LinkedIn messaging with recruiters, attending virtual career workshops, and even cold-calling companies about potential openings. The NYS DOL wants to see 3 meaningful work search activities per week, so quality matters more than quantity. Make sure each activity shows you're actively pursuing employment opportunities in your field or related areas.

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This is exactly the kind of detailed approach I needed to hear about! I've been keeping basic records but your Excel spreadsheet idea with all those columns sounds much more comprehensive. The point about screenshots of job postings is really smart - I hadn't thought about how those disappear. Quick question: when you say "meaningful" work search activities, did the NYS DOL give you any specific guidance on what makes an activity count as meaningful versus just going through the motions?

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