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Just wanted to chime in with another option that's worked well for me - if you have a credit union account, many of them are part of the CO-OP network which means you can use their ATMs fee-free with your unemployment card too. I bank with a local credit union and their ATMs don't charge any fees when I use my NY unemployment debit card. It's worth checking if your bank or credit union participates in any shared ATM networks. Also, some people don't realize you can split transactions - so if you need $100 but the ATM daily limit is $400, you can do one withdrawal and then immediately do another if needed (just make sure you're at a fee-free ATM first!).
Wow, I had no idea about the credit union thing! That's really good to know. I've been stressing about finding KeyBank ATMs since there aren't many in my area, but there's a credit union branch right near my work. I'll call them tomorrow to see if they're part of that CO-OP network you mentioned. And thanks for the tip about splitting transactions too - I didn't know you could do that. This whole thread has been so helpful, everyone here knows way more than the unemployment office told me when they sent me the card!
Another helpful tip I discovered - if you need to send money to someone (like paying a friend back or sending money to family), you can use apps like Venmo, Cash App, or Zelle with your unemployment debit card. Just add it as a funding source in the app. This has been super convenient for me when I need to split bills with roommates or pay someone back quickly. Most of these apps don't charge fees for standard transfers, though some might have small fees for instant transfers. Just make sure to keep track of your spending since it's easy to forget about app purchases when checking your card balance later!
This is such a game changer! I had no idea you could connect these cards to payment apps like that. I've been avoiding using Venmo since I got on unemployment because I thought I'd have to do weird bank transfers first. Being able to just add the card directly is going to make splitting utilities with my roommate so much easier. Do you know if there are any limits on how much you can send through these apps using the unemployment card? I don't want to hit some random restriction when I'm trying to pay my half of rent or something.
Just to add some clarity on what happens at the BYE date: 1. Your benefit rate stays exactly the same until your BYE date 2. You can collect all remaining effective days at that same rate 3. After your BYE date, you must file a new claim even if you had days remaining 4. Your new claim will have a new benefit calculation based on your base period wages 5. There will typically be a 2-3 week gap between claims while your new application processes The NY DOL should send you a notification about 2-3 weeks before your BYE date reminding you to file a new claim if you're still unemployed.
I went through this exact situation last year! My BYE was in March 2024 and I had 8 effective days left. You'll definitely get your full weekly benefit rate for all remaining days - they don't reduce it at all. Just make sure you're prepared for the processing time on your new claim. I started my new application about a week before my BYE date and it still took almost 3 weeks to get approved. The hardest part was gathering all the wage documentation from different employers during my base period. Start collecting those W-2s and pay stubs now so you're not scrambling later!
Thanks for sharing your experience! That's really helpful to know about the timing. Quick question - when you gathered your wage documentation, did you need pay stubs from ALL employers during the base period, or just the W-2s? I had a few different part-time jobs and I'm not sure I kept all those pay stubs.
This thread has been incredibly helpful! I'm actually in a very similar situation - got laid off in October and have been collecting UI benefits, and I just found out my workers comp case from a wrist injury at my old manufacturing job (2020) is finally settling for about $14,000. I've been so worried about how this would affect my unemployment benefits, but reading everyone's experiences here has really eased my anxiety. It's clear that the key factors are: 1) it's from a different employer, 2) it's compensating for an injury from years ago, and 3) you need to report it transparently when you receive the actual payment. I love the suggested wording everyone's been using - "Workers compensation settlement - injury from previous employer [year]" - that's exactly what I'll use when I certify next week. It's so reassuring to see multiple people with settlement amounts ranging from $12K to $22K report zero issues with their benefits. Thank you all for sharing your experiences and making this much less stressful than it could have been!
@Mei Wong I m'so glad this thread has been helpful for you too! It s'honestly amazing how many of us are dealing with this exact same situation - it really shows how common workplace injuries are and how the timing of settlements can overlap with unemployment claims. Your case sounds textbook perfect for no issues - different employer, injury from 2020, settlement amount in the same range as everyone else who had success. The fact that you re'being proactive about reporting it properly shows you re'doing everything right. I was just thinking how this thread should almost be pinned somewhere because it addresses such a specific but apparently common concern that people can t'easily find clear answers about elsewhere. Best of luck with your settlement and your job search!
I'm in a remarkably similar situation and this thread has been an absolute lifesaver! I was laid off in February and have been collecting UI benefits, and just received word that my workers comp case from a knee injury at my previous job (2021) is settling for approximately $16,500. I've been absolutely terrified that this would somehow disqualify me from unemployment or trigger overpayment demands, but reading through everyone's experiences here has given me tremendous peace of mind. The pattern is so clear - different employer, injury from years past, settlement amounts in the $12K-$22K range, and everyone reporting zero impact on their benefits as long as they reported it transparently. I'm definitely going to use the community-tested wording: "Workers compensation settlement - injury from previous employer 2021" when I file my weekly certification. It's incredible how this thread has provided more concrete, actionable guidance than anything I could find through official channels or by attempting to reach NYS Department of Labor directly. Thank you to everyone who took the time to share their real-world experiences - you've turned what felt like a nightmare scenario into something completely manageable!
@Chad Winthrope This thread really has become like a support group for all of us dealing with this exact situation! Your case sounds identical to so many others here - laid off recently, workers comp settlement from a previous employer and injury years ago, amount right in that $12K-$22K sweet spot where everyone s'had success. I was just thinking how wild it is that we all ended up here with practically the same story, but it really demonstrates that this is a pretty common scenario that the unemployment system has procedures for handling. The fact that literally every person who s'shared their experience here has reported zero issues when they followed the transparency approach gives me so much confidence. I m'planning to report mine next week too and will definitely be using that exact wording format that s'been tested by the community. Here s'hoping we can all update this thread in a few weeks with our own success stories to help the next group of people who find themselves in this situation!
This is actually great advice from everyone! I went through something similar about 8 months ago - gave 3 weeks notice but they walked me out after just 2 days. NYS DOL was actually pretty understanding once I explained the situation clearly. The key thing I learned is to frame it as "I was ready and available to work my full notice period, but my employer chose to terminate my employment early." Make sure you have your resignation email/letter saved that shows your intended last day. Also, when you file online, there's a section where you can explain the circumstances - use that space to be very clear about the timeline. Good luck with the new job!
Thank you for sharing your experience! It's really reassuring to hear from someone who went through this successfully. I like how you phrased it - "ready and available to work but employer chose to terminate early" - that really captures the situation perfectly. Did you end up getting benefits for the full gap period until your new job started? I'm hoping NYS DOL processes things quickly since my new position starts in just 3 weeks.
I'm in a very similar boat right now! Just gave my notice last week and my employer basically said "don't bother coming back" even though I offered to work the full two weeks. Reading through everyone's responses here is super helpful - sounds like NYS DOL is generally reasonable about these situations. I'm planning to file tomorrow and will definitely emphasize that I was willing and able to work my notice period but they chose to end it early. Has anyone had experience with how long the approval process typically takes? I'm hoping to get this sorted before my savings run out!
Emily Parker
DETAILED SOLUTION: Ok so I work in IT and deal with this stuff all the time. Here's what you need to know: 1. The phone system is overwhelmed because everyone's trying to call at once 2. Email support won't help with security resets - they require voice verification 3. Best options: - Use claimyr.com to get through (costs money but works) - Call right at 8AM sharp - If you must go in person, the Albany office is your only real shot I've helped dozens of people with this. The fastest solution is definitely using claimyr.com to get through on the phone. They'll verify your identity and reset it while you're on the call. Save yourself the headache of trying to do this manually. Hope this helps!
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Ezra Collins
•MVP right here 👆 thanks for the detailed breakdown
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Chloe Mitchell
•Thank you so much! gonna try claimyr tomorrow morning
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Diego Fernández
Been dealing with this exact issue for months! Finally got mine resolved last week. Here's what worked for me: I tried the 8AM calling strategy for about a week straight with no luck, then broke down and used claimyr. Honestly wish I had done it sooner - saved me so much stress. The rep was super helpful and got everything sorted in one call. Also pro tip: make sure you have all your documents ready (SS card, ID, etc.) before you get connected so you don't waste time scrambling for stuff. Good luck everyone! 🙏
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Michael Green
•This is super helpful! I'm in the same boat and have been hesitating about spending the $20 on claimyr but sounds like it's totally worth it. Did you have to wait long even after using their service to get connected? And yeah good point about having docs ready - I would definitely fumble around looking for stuff lol
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