
Ask the community...
While you're dealing with NY unemployment, make sure you're taking steps to protect yourself elsewhere too! Immediately: 1. Place fraud alerts with all 3 credit bureaus (Experian, Equifax, TransUnion) 2. Consider freezing your credit completely 3. Change passwords on ALL your accounts, especially email and banking 4. Set up 2-factor authentication everywhere possible 5. Monitor your bank accounts daily for suspicious activity 6. Check your credit reports weekly (they're free right now) 7. File an identity theft report at identitytheft.gov If someone has enough of your info to file an unemployment claim, they might try other types of fraud too. I learned this the hard way after my unemployment account was compromised last year and then they tried opening credit cards in my name too. Be proactive! For dealing with NY unemployment specifically, after wasting DAYS trying to call them myself, I finally used claimyr.com which got me through to a rep who could actually help. Talking to an agent got my account secured immediately which was crucial to stopping the fraudsters.
What's the difference between a fraud alert and a credit freeze? Which is better?
25d
Fraud alert just means creditors have to take extra steps to verify your identity before opening new accounts. A freeze completely blocks access to your credit report so no new accounts can be opened at all until you lift it. Freeze is stronger protection but slightly more hassle when you legitimately need credit.
25d
Pro tip: document EVERYTHING. Take screenshots of your account showing the fraudulent claim, write down dates and times of all calls, get names of representatives you speak with, and save case numbers. I'm still dealing with tax issues from a fraudulent claim that happened to me last year because I didn't have enough documentation to prove it wasn't me who received the benefits.
Thanks for this advice - just took screenshots of everything. Are you still having to pay taxes on benefits you never received??
25d
I'm still fighting it with the IRS. I got a 1099-G for benefits I never received and have been battling both NY unemployment and the IRS for months. GET A CASE NUMBER and written confirmation that it was fraud or you'll end up in my situation.
25d
My friend works for NYSDOL (dont tell anyone lol) and she said they are SUPER backlogged with 1099 requests right now. Apparently their printer broke or something stupid 🤦♀️ If you need it urgently, calling is your best bet.
This is why I have trust issues with government agencies
25d
lmaooo why am I not surprised
25d
I went thru this last week. You HAVE to talk to a human. The automated system and website both suck. After 3 days of trying I used claimyr.com to get through and had my form in 2 days.
How exactly does this claimyr thing work? The website is kinda vague
25d
They basically call unemployment for you and stay on hold, then when they get a real person, they call your phone and connect you. Saved me like 3 hours of hold time.
25d
Double-check if you're calculating your gross wages correctly. It's pre-tax, pre-deduction amounts that matter for unemployment. Sometimes people accidentally use their net pay which is lower.
Fun fact: if you divide 504 by 8 hours, that's $63/hr... so they basically expect you to make less than $63/hr or lose ALL benefits... makes no sense for those of us making way less than that normally 🤔
Your math is off. The $504 is for the whole week, not per day.
25d
Oops lol you're right 😂 I'm a idiot. That's what I get for posting before coffee.
25d
worst case scenario - you can file your taxes without the W-2 by estimating the numbers and then file an amended return later when you get the actual document. IRS understands there are delays with government agencies. i had to do this last year.
This isn't great advice. If you underestimate what you received, you could face penalties. Better to get an extension and file correctly the first time.
25d
Can't believe nobody mentioned this yet - but the IRS actually gets a copy of your 1099-G from unemployment directly. If you create an account on IRS.gov you can view your wage and income transcript which shows what was reported to them. Not as good as the actual form, but at least gives you the numbers you need for filing!
OMG thank you!! This is super helpful, I'm going to try this right now
25d
Just FYI it takes like 5-10 business days to verify your identity and get access to the IRS site if you haven't used it before
25d
just got mine after TWO AND A HALF months lmaooo. the envelope was dated 3 weeks ago so it's been sitting in postal hell too. ny unemployment AND usps both failing us 👏👏👏
WHY IS THIS HAPPENING EVERY SINGLE YEAR?? You'd think they'd figure out how to mail a form after decades of doing this. I'm so sick of this state's incompetence.
Facts. And somehow they expect us to file taxes on time when they can't even send the forms on time. Make it make sense.
25d
Not to be that person, but there are TONS of jobs out there right now. I know it might not be what you want to do long term, but places are desperate for workers. My local target is offering $18/hr starting and signing bonuses. Just something to consider while you figure out the unemployment situation.
I'm just trying to offer a practical solution. Not everyone can afford to wait for the perfect job when bills are due.
25d
I appreciate all perspectives. I've been applying to everything including retail but even those are competitive in my area. Still trying though!
25d
have you considered gig work? when i ran out of benefits i did doordash/ubereats while job hunting. not amazing money but better than nothing and you can work whenever.
I've looked into it. Problem is I don't have a car right now. Been trying to find something I can do on foot or public transit.
25d
my hearing took 8 months to get scheduled and then they cancelled it the day before and rescheduled for another month later. ny unemployment is a joke.
one thing that helped me: document EVERYTHING. every call, every letter, every email. if you get a hearing, the more documentation you have, the better. take screenshots of your bank statements too if this is about wage discrepancies.
That's good advice, thank you. I've been keeping notes of all my calls but I'll start documenting more thoroughly.
25d
I've called 153 times this week (yes I counted). still haven't spoken to a human being. this is hell.
the dedication tho 👀
25d
it's either that or not pay rent so... 🤷♂️
25d
i know this sounds weird but try calling from a different phone number if you can. I think they might be filtering out people who call repeatedly from the same number
The wait is different for everyone tbh. Mine took 37 days exactly (yes i counted every single day lol). The judge ruled that my company was wrong to deny me benefits. Waiting was the worst part but it was worth it in the end when i got that backpay. hope u get good news soon!
37 days sounds rough but at least you won! Did you get paid pretty quickly after the decision?
25d
Got my first payment 5 days after the decision letter and backpay hit about a week after that. Once they decide in your favor things move pretty fast.
25d
I won my appeal in september, it took exactly 4 weeks and 3 days to get the decision in the mail. Be prepared to wait but also dont lose hope! From what i've seen, judges tend to side with the workers more often than employers in these cases. The system is defiantly designed to be frustrating but hang in there
Mateo Hernandez
i think im the only person here with some good news lol. yes its 26 weeks BUT if you work part time during those weeks and report earnings, those weeks where you get reduced benefits don't fully count against your 26. i stretched my claim to almost 9 months doing this. just something to consider.
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Natasha Kuznetsova
That's actually really smart. How much were you working each week to make this stretch?
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Mateo Hernandez
I picked up 2-3 shifts a week at a grocery store. Made just enough to reduce my benefits but not eliminate them completely. When you certify, they only count it as a partial week against your total.
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Aisha Khan
Everyone saying 26 weeks is right, but no one talking about the stupidly low maximum benefit amount in NY 🙄 even if you made good money before, the max benefit is way below what most people need to survive in NY. The whole system needs an overhaul.
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Emma Thompson
FOR REAL!!! I was making decent money before layoff and my benefit barely covers half my rent. Its a joke.
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Ravi Gupta
preach 👏 max benefit hasn't kept up with inflation AT ALL
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