New York Unemployment

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Ask the community...

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Hey! I'm new here but went through the exact same thing a couple months ago. My waiting week was processed mid-December and I was so stressed about the timing too. In my case, I filed on Sunday and got the payment on Thursday morning - so 4 business days total. The key thing is to make sure you keep filing your weekly certifications on time even if you don't see the money yet. I made the mistake of panicking and calling repeatedly (waste of time as others mentioned), but the payment did come through. Also double-check that your bank doesn't hold deposits - some smaller banks have longer processing times for government payments. Good luck with your rent!

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Mei Lin

Thanks for sharing your experience! 4 days sounds about right from what everyone else is saying too. I definitely won't stop filing my weekly certifications - that's good advice. My bank is Chase so I think they're pretty quick with deposits. Really appreciate the encouragement about the rent situation, it's been stressing me out all week!

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I'm going through this same situation right now! Filed my weekly certification on Sunday and my waiting week was processed last Friday. It's so nerve-wracking waiting for that first payment, especially when you have bills coming up. From reading everyone's responses here, it sounds like 3-4 business days is pretty normal for the first payment. I'm hoping to see mine by Thursday too. The hardest part is not knowing exactly when it'll hit your account - I keep checking my bank app every few hours! At least we're not alone in this waiting game.

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I completely understand your concern about your former employer - it shows you're a considerate person. But here's the thing: you didn't choose to get laid off, and unemployment benefits exist precisely for this situation. Your employer has been paying into the unemployment insurance fund as part of doing business, just like they pay for workers' comp or other insurance. When you file a claim, they don't get a direct bill - instead, it may slightly affect their experience rating for future tax calculations. Think of it this way: if your house burned down, you wouldn't hesitate to file an insurance claim because it might affect the insurance company's profits, right? This is similar - you and your employer have been paying premiums (through payroll taxes) for this exact coverage. File your claim and focus on finding your next opportunity.

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The house insurance analogy really clicked for me! I've been thinking about this all wrong - treating it like I'd be personally costing my old boss money when really it's just how the system works. You're absolutely right that I didn't choose to get laid off, and I shouldn't feel guilty about using a benefit that we all paid into. I'm going to file tomorrow morning. Thanks for putting it in perspective that actually makes sense.

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@Sean, I work in HR and can confirm what others have said - employers pay unemployment taxes as part of their regular payroll obligations, not per claim. Your former employer's experience rating might be slightly affected over time, but one claim from a legitimate layoff won't cause them financial hardship. In fact, if they laid you off due to lack of work, they were already anticipating potential unemployment costs as part of their workforce reduction decision. Don't let misplaced guilt prevent you from accessing benefits you've earned. The system exists specifically to help workers like you transition between jobs through no fault of your own.

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@Evelyn, that's really helpful to hear from someone who works in HR! I keep second-guessing myself even though everyone here is saying the same thing. When you mention that employers anticipate unemployment costs when they make layoff decisions - does that mean they actually budget for this kind of thing ahead of time? I guess I was imagining my old boss getting some surprise bill and being upset about it, but it sounds like it's more routine than I thought.

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@Carmen, absolutely! When companies plan layoffs, they typically work with their HR and finance teams to calculate all associated costs - severance, COBRA continuation, increased unemployment taxes, etc. It's all factored into the financial impact analysis before they make the decision. Unemployment cost increases are gradual and spread over future quarters, not immediate lump sums. Your former employer's finance team already knows this is coming as a natural consequence of their workforce reduction. You filing doesn't change their cost calculations - you not filing would just mean you're subsidizing their decision by forgoing benefits you've earned.

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I went through this exact situation last year with my photography LLC. Since you mentioned having W-2 wages from your part-time job, that's actually really important - those wages likely make you eligible for benefits even with the LLC. The key is being completely transparent about your business status when you file. I had to provide documentation showing my LLC had essentially no income and wasn't actively operating. NYS Department of Labor will want to know if you're available for work and actively seeking employment, which can be tricky if you're still technically operating the business. I'd recommend gathering all your financial records for both the LLC and your W-2 job before filing, and be prepared to explain that while you own the LLC, you're not currently generating income from it and are seeking traditional employment.

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@Mason Lopez That s'exactly the situation I m'in! Did you have to formally dissolve or suspend your LLC, or were you able to keep it active while collecting benefits? I m'worried that if I keep the LLC open even (with no income ,)they might consider me as still being in business rather than unemployed. Also, how long did it take for them to process your claim once you submitted all the documentation?

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Hugo Kass

@Mason Lopez This is so helpful to hear from someone who s'been through it! I m'the original poster and I m'definitely going to gather all my financial records like you suggested. One thing I m'worried about though - when you say you had to show the LLC wasn t'actively operating, did NYS Department of Labor question you about why you didn t'just dissolve it completely? I ve'been keeping mine open hoping business might pick back up eventually, but I m'wondering if that hurts my case for being considered unemployed "rather" than just having a slow business period.

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I'm dealing with a very similar situation right now - I have an LLC that I set up for consulting work, but contracts have completely disappeared over the past few months. From what I've researched, the fact that you had W-2 wages from your part-time job is actually really good news for your eligibility. NYS Department of Labor looks at your "base period" wages to determine benefits, and W-2 income definitely counts toward that. The tricky part is proving that your LLC isn't actively operating versus just being slow. I've been told by others in similar situations that you need to be very clear that you're seeking traditional W-2 employment and not just waiting for freelance work to pick up. Document everything - bank statements showing minimal business income, any steps you've taken to wind down operations, and your active job search for regular employment. The key seems to be demonstrating that you're genuinely unemployed and available for work, not just a business owner having a rough patch.

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Ava Kim

@QuantumQuest This is really valuable insight! I'm just starting to navigate this process and your point about demonstrating you're seeking W-2 employment versus waiting for freelance work is something I hadn't fully considered. When you mention documenting steps to wind down operations, what specific actions have you taken or heard others recommend? I'm wondering if things like stopping marketing efforts, not taking on new clients, or formally notifying existing clients that you're no longer available would help show NYS Department of Labor that you've transitioned from business owner to job seeker. Also, have you found any particular way to effectively communicate this distinction when filling out the initial application?

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@QuantumQuest Your advice about documenting everything is spot on! I went through this process about 6 months ago with my marketing LLC and what really helped was creating a clear timeline showing when I stopped actively pursuing new business. I kept records of when I stopped paying for business subscriptions, paused my website hosting, and sent final invoices to existing clients. NYS Department of Labor seemed to appreciate having concrete dates and actions that demonstrated I had genuinely ceased operations rather than just having a slow period. For the application itself, I found it helpful to write a brief explanation in the additional information sections clearly stating that while I maintained the LLC for potential future use, I was no longer operating it as a business and was actively seeking traditional employment. The key is being proactive in explaining your situation rather than waiting for them to ask follow-up questions.

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The whole system is so confusing honestly. I filed too early once and they told me I had to wait and refile. Then another time I waited too long and missed out on a week of benefits. There should be clearer instructions on the website about timing.

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This is exactly why I'm asking here first! I don't want to mess up the timing and lose benefits or cause delays.

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Based on my experience, here's the exact timeline: File your initial claim application on the Monday after your last day of work (so the Monday after next Friday in your case). Once your claim is approved (usually takes 2-3 business days), you can then file your first weekly certification for that same week you became unemployed. The important thing is that you must be totally unemployed during the entire week you're claiming - so if Friday is your last day, you'd claim the full week starting that Monday. Don't overthink it - just make sure you have all your employment documentation ready and file as soon as you're eligible. The system will guide you through the process once you start.

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This is super helpful, thank you Tony! So just to make sure I understand correctly - if my last day is this Friday, I would file the initial claim on Monday, and then once that's approved in a few days, I can file my weekly certification for that same Monday-Sunday week? And I'd be eligible for benefits for that full week even though I worked Friday of the previous week?

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I actually just helped my roommate through this exact situation last month! She was a senior working part-time at a retail store and got her hours cut to basically nothing. She was super worried about the student thing too, but she got approved without any major issues. The biggest thing that helped her was keeping really detailed records of her work schedule alongside her class schedule for the past year - it showed she'd been successfully managing both for a long time. She also made sure to apply online first thing in the morning when the system was less busy, then followed up with the phone interview. The whole process took about 3.5 weeks from application to first payment. One tip she shared was to be really specific about your availability in hours (like "Monday 8am-6pm, Wednesday 12pm-10pm" etc.) rather than just saying "I can work around classes." NYS Department of Labor wants to see concrete proof that you have substantial time available for employment. Since you've been doing 25 hours/week for two years, you're in great shape! Don't stress too much about it.

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@Chloe Green This is such helpful advice! The tip about being specific with availability hours instead of just saying I "can work around classes is" really smart - I never would have thought to break it down that detailed way. Since I have Tuesday/Thursday morning classes, I can definitely map out specific available hours for the rest of the week. The 3.5 week timeline your roommate experienced gives me a good expectation to plan around. I m'curious about the detailed records she kept - did she just use her own work schedules and timesheets, or did she get any official documentation from her employer? I want to make sure I m'gathering the right kind of proof to show my work-school balance over the past two years. It s'so reassuring to hear about someone who just went through this successfully as a student!

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Just wanted to add another perspective as someone who successfully collected unemployment as a student in NY! I was working at a bookstore while finishing my degree and lost my job due to store closure. The application process was actually pretty straightforward once I understood what they were looking for. The key things that helped me: 1) I emphasized my consistent work history while enrolled (similar to your situation with 2 years of steady employment), 2) I provided specific available hours rather than vague statements about flexibility, and 3) I kept detailed records of my job search efforts focused on positions that matched my schedule and experience. NYS Department of Labor did ask about my class schedule during the phone interview, but they were mainly interested in confirming I had genuine availability for work. Since you're graduating soon and have been successfully balancing 25 hours/week with coursework, you should have no problem demonstrating both your work history and availability. The process took about 4 weeks for me, but it was worth it for the financial support during my final semester. Don't let the student status worry you - you've earned these benefits through your contributions!

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@Alfredo Lugo This is really reassuring! Your experience with the bookstore job closure situation sounds very similar to what I m'dealing with. The point about providing specific available hours rather than vague flexibility statements is something I keep seeing mentioned and I m'definitely going to prepare that detailed breakdown. Since you mentioned keeping detailed job search records, did NYS Department of Labor give you specific guidelines about what types of positions to apply for, or were you able to focus on jobs that realistically fit your student schedule? I m'hoping to target restaurant and retail positions similar to my current experience rather than having to apply for full-time office jobs that obviously wouldn t'work. The 4-week timeline you experienced seems pretty consistent with what others have shared, which helps me plan my budget during the waiting period. It s'encouraging to hear from so many students who have successfully navigated this process!

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