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Same boat here - had to close my photography business last year and couldn't get any unemployment. Ended up having to take a retail job just to qualify for benefits if I ever get laid off again. It's backwards but that's how the system works.
Have you considered looking into New York State's other assistance programs while you're figuring out the unemployment situation? The Department of Social Services has programs like SNAP (food assistance) and emergency cash assistance that might help bridge the gap. Also, if you're planning to shut down the LLC, you might want to consult with an accountant about any tax implications - sometimes there are deductions or loss carryforwards that can help reduce your tax burden. It's not unemployment benefits, but every bit helps when cash flow is tight.
That's really helpful advice about looking into other assistance programs! I hadn't thought about SNAP benefits. Do you know if having an LLC (even one that's not making money) affects eligibility for those programs? I'm worried they might see me as "employed" even though I'm making zero income. And yeah, definitely need to talk to an accountant about shutting down properly - don't want to get hit with unexpected tax issues on top of everything else.
This is such a great question and the answers here are super helpful! I'm also pretty new to the workforce and had similar confusion about all the different deductions and taxes. One thing that really helped me understand the bigger picture is that unemployment insurance is just one part of what's called the "social safety net" - you've got unemployment (employer-paid), disability insurance (employee-paid through SDI), Social Security and Medicare (both employer and employee pay), and workers' compensation (employer-paid). It's kind of like a patchwork of different programs that protect workers in different situations. The fact that unemployment is 100% employer-funded in NY actually makes sense when you think about it - companies benefit from having a stable workforce and a functioning labor market, so they contribute to a system that helps workers transition between jobs. Thanks everyone for breaking this down so clearly!
@Jamal Anderson That s'such a helpful way to think about the social safety net! I never really connected all those dots before - it makes so much more sense when you see how all these different programs work together to protect workers in different situations. The employer vs employee funding distinction is actually pretty logical when you break it down like that. Companies do benefit from having a stable workforce, so it makes sense they d'fund the system that helps people transition between jobs. Thanks for that perspective - it really helps put everything in context!
Thanks everyone for all the detailed explanations! As someone who just graduated and is still figuring out how all this stuff works, this thread has been incredibly helpful. I had the exact same confusion as @Dylan Fisher - looking at my paystub and trying to figure out where unemployment was coming from. It's actually kind of a relief to know that I don't have to worry about another deduction coming out of my already-smaller-than-expected paycheck! The comparison to employer-provided health insurance really clicked for me. I never thought about unemployment benefits as essentially another form of employer-provided insurance, just administered by the state. It's also eye-opening to learn about how the experience rating system works and why some employers might challenge legitimate claims. Definitely bookmarking this thread for future reference - hopefully I won't need to use unemployment benefits anytime soon, but it's good to understand how the system works just in case!
I work for a bank and can confirm what Miguel said about payment delays - while you can file your claim normally on federal holidays through the online system, direct deposits and other electronic payments typically get delayed by one business day when banks are closed. So if you normally get your unemployment payment on Tuesday, it might come Wednesday after Presidents Day. The important thing is to file by your usual Sunday midnight deadline to avoid any issues with your claim.
The whole NYS Department of Labor system is such a mess anyway. Half the time their offices are closed for random reasons and the other half the phones don't work. Presidents Day is just another excuse for them to not help people who desperately need their benefits.
I've been dealing with NYS DOL for months now and can confirm they follow federal holiday schedules. Presidents Day = closed offices and no phone support. Pro tip though - if you have any documents to submit, you can usually drop them in the secure drop box outside most offices even when they're closed. Just make sure everything is properly labeled with your SSN and claim number. The online portal for weekly certifications stays up like others mentioned, but don't expect any human assistance until Tuesday.
That's really helpful about the secure drop box! I didn't know you could still submit documents even when the offices are closed. Do you know if all NYS DOL offices have those drop boxes, or just certain locations? I'm planning to go to the one in Albany and want to make sure I don't waste the trip if they don't have that option.
StarStrider
Another tip that might help - if you're still having trouble after the PIN activates, try logging in during off-peak hours (like early morning or late evening). The system tends to be less glitchy when fewer people are using it. I learned this the hard way after trying to certify during lunch breaks and getting nothing but error messages. Also, @Honorah King, make sure you're going to the official ny.gov unemployment site and not any third-party sites that might look similar. There are some sketchy copycat sites out there that can confuse the process. Hope you get it sorted soon!
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Connor Gallagher
•Great advice about the off-peak hours! I've noticed this with other government websites too - they always seem to work better when everyone's not trying to use them at once. The tip about checking for official sites is super important too. When you're desperate to get through the system, it's easy to accidentally end up on some random site that looks legit but just makes things worse. Thanks for looking out for everyone here! 👍
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Ethan Wilson
I had this exact same problem a few weeks ago! The PIN creation process is so confusing - they really don't explain what happens next. What worked for me was logging into the mobile app instead of the website after my PIN was activated. For some reason, the certification option showed up there first before it appeared on the desktop site. Also, try checking under different menu sections - mine was buried under "Weekly Certification" instead of being on the main dashboard where you'd expect it. The whole system is honestly a nightmare to navigate, but don't give up! Once you find it the first time, it gets easier. Sending you good vibes that you get this sorted out soon! 🤞
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Ravi Sharma
•Thanks for mentioning the mobile app option! I hadn't thought to try that. It's so weird how the same system can work differently on different platforms - you'd think they'd make it consistent. I'll definitely try both the app and looking under different menu sections once my PIN fully activates. Really appreciate everyone sharing their experiences here, it makes me feel less alone in this frustrating process! 😊
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