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I just went through this process a few months ago and wanted to add that you should also check your mail regularly - NYS Department of Labor sends important documents by regular mail even though you filed online. I almost missed my monetary determination letter because it got mixed in with other mail. Also, if you have direct deposit set up it can take an extra few days for the first payment to hit your account even after you start getting approved weekly claims. The whole timeline from filing to first payment was about 3 weeks for me, but that weekly certification step is absolutely crucial - don't skip any weeks!
That's really helpful about checking the mail - I wouldn't have thought they'd still send physical letters when everything else is online! Good point about direct deposit too. Did you have any issues with the job search requirements during those first few weeks while waiting for approval?
Ava Harris
One thing I wish someone had told me when I first filed - keep detailed records of everything! Save screenshots of your weekly certifications, write down confirmation numbers, and keep copies of any correspondence from NYS Department of Labor. I learned this the hard way when there was a discrepancy with one of my weekly claims and I had to prove I had submitted it correctly. Also, if you're using their mobile app, it can be glitchy sometimes, so I'd recommend filing your weekly claims on a computer when possible. The desktop version of the website seems more reliable in my experience.
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Before you go in person, try clearing your browser cache and using a different browser or device. Sometimes the my.ny.gov site works better on different browsers. Also make sure you're using the most current version of whatever browser you're using.
Axel Far
I went through the same frustrating experience with the online system last month. What finally worked for me was going to my local One-Stop Career Center - they have staff who can help you file online using their computers and internet connection. Even if the system is being glitchy, they know workarounds and can help troubleshoot in real time. You can find your nearest location on the NYS Department of Labor website. Much better than trying to figure it out alone at home!
That's really helpful advice! I didn't know the One-Stop Career Centers could help with the online filing process. Do you know if they require appointments or can you just walk in? I'm wondering if that might be faster than waiting on hold for hours trying to call.
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Haley Stokes
I'm in a similar boat - my company just announced layoffs for next month and I'm trying to figure out the best approach. From reading everyone's responses, it sounds like taking the severance is definitely the way to go. I'm curious though - does anyone know if there are any tax implications I should be aware of when receiving both severance and unemployment benefits? I want to make sure I'm setting aside enough for taxes since this will probably put me in a weird income situation for the year. Also, has anyone had experience with how this affects health insurance coverage? My COBRA will kick in but I'm wondering if the severance payment timeline impacts when I might qualify for marketplace subsidies.
Great questions about the tax and health insurance aspects! For taxes, both severance and unemployment benefits are taxable income, so you're right to think about setting money aside. You can have taxes withheld from your UI benefits when you file your weekly certifications - I'd recommend doing that to avoid a big tax bill later. As for health insurance, the severance timing shouldn't directly affect marketplace subsidy eligibility, but your total annual income (including both severance and UI benefits) will be considered when they calculate any premium tax credits. You might want to consult with a tax professional since everyone's situation is different, but definitely keep good records of all payments and dates. The health insurance piece can get tricky with the timing between employer coverage ending, COBRA starting, and potential marketplace enrollment periods.
Jamal Carter
I went through a similar layoff situation about a year ago and can confirm what others have said - definitely take the severance! The key thing to understand is that NYS Department of Labor considers severance as "deductible income" which means it reduces your weekly benefit amount dollar-for-dollar during the period it covers, but it doesn't disqualify you from unemployment entirely. So if your severance equals your normal weekly pay for 8 weeks, you'll likely get $0 in UI benefits for those 8 weeks, but then your full benefits will kick in after that. File your claim immediately after your last day of work though - don't wait for the severance period to end. This way you'll already be in the system and your benefit year will have started. Also, make sure you accurately report the severance amount each week when you do your certifications. The whole process was actually more straightforward than I expected once I understood how it worked.
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omg this is exactly what happened to my sister except she didnt report it at first because she thought it was just a one time thing and then they found out somehow and she had to pay back like $1200 ðŸ˜
I'm dealing with something similar right now! Been on unemployment for about 3 months and just started getting some freelance web development gigs. What I learned is that you need to report the income in the week you actually receive the payment, not when you do the work. So if you complete that $800 project over 2 weeks but get paid all at once in week 3, you report the full $800 in week 3. Also keep detailed records of everything - dates, amounts, what the work was for. The NYS system will calculate your benefit reduction automatically once you enter the earnings. And don't worry about the 1099 aspect affecting your claim status - lots of people do contract work while collecting. Just be honest and report everything!
Aisha Khan
•This is super helpful, thanks! So just to make sure I understand - if I do the work over 2 weeks but get one lump payment of $800 in week 3, I only report it in week 3? And during weeks 1 and 2 when I'm actually doing the work, I don't report anything? That seems counterintuitive but I want to make sure I do this right.
Natalia Stone
Good luck hun! Being a single mom is so hard, hope you find something soon 💕
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Amina Diallo
I'm so sorry you're going through this tough situation. While childcare issues typically don't qualify as "good cause" for unemployment in NY, I'd still encourage you to apply and be completely honest about your circumstances. Make sure to include that daycare closure letter and explain that you actively tried to find alternative childcare but couldn't. Sometimes adjudicators will consider unique situations. In the meantime, also check if you qualify for emergency assistance programs through your county's social services department - they sometimes have emergency childcare funding or other support for parents in crisis situations like yours.
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Danielle Mays
•This is really helpful advice, thank you! I didn't know about county social services having emergency childcare funding - I'll definitely look into that. It's good to know that even though the circumstances might not typically qualify, it's still worth being thorough with the application and documentation.
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