I was in a similar situation last year and ended up taking a different approach that worked out well. Instead of quitting outright, I negotiated with my manager to reduce my hours to part-time so I could take evening classes. It took longer to finish my degree (doing it part-time), but I kept some income flowing and maintained my eligibility for health benefits. Many retail employers are actually pretty flexible about scheduling if you're honest about your educational goals - they'd rather keep a good employee part-time than lose them entirely. Plus, having some work experience while in school actually made me more attractive to employers after graduation. You might be surprised how willing your current employer is to work with you, especially if you've been there for 2 years and are a reliable worker. Worth having that conversation before you explore the more complicated unemployment/training benefit routes.

I'm facing a similar decision and this thread has been incredibly helpful! Reading through everyone's experiences and advice, it seems like there are way more options than just the basic "quit and hope for unemployment" approach I was originally considering. The hybrid approach of reducing hours while taking evening classes really resonates with me - it might take longer but sounds much more financially stable. I'm also really intrigued by the Training Benefits provisions that Vince mentioned from NY DOL. Has anyone here actually gone through that approval process? I'm curious about the timeline and what types of documentation they typically require. It sounds like scheduling a meeting with a Career Center counselor should be my first step before making any major decisions. Thanks to everyone who shared their experiences - this is exactly the kind of real-world advice you can't find on official websites!

I've been dealing with NY unemployment for over a year and this kind of random delay happens way more often than it should. In my experience, it's usually one of three things: 1) They're doing a routine audit of your account (no notification given), 2) Something in your certification answers triggered an automatic flag, or 3) Just plain system glitches. The frustrating part is they never tell you what's happening! I'd suggest logging into your account and checking if there are any messages or alerts you might have missed. If nothing shows up by Monday, definitely call them - the sooner you get it sorted the better. I know the phone wait times are brutal, but it's really the only way to get answers. Hang in there, you'll get your payment eventually!

Hey there! I went through something very similar about a month ago - filed my weekly certification like normal but my payment just disappeared into the void. Turns out NY unemployment had flagged my account for a "routine eligibility review" without telling me anything. I only found out when I finally got through to someone on the phone after calling for literally 3 days straight. The agent explained that they're doing these random reviews way more frequently now, especially if you've been claiming for a few months. Once they cleared the review, I got both my delayed payment and the current week's payment within 48 hours. I know it's stressful when you're counting on that money, but try not to panic yet. Check your online account one more time for any hidden messages or notices, and if there's still nothing by Monday, definitely call them. The wait times are absolutely brutal but it's really the only way to get real answers. Good luck!

same boat here! been claiming for 6 months and every week i worry something will trigger a review. the anxiety is almost worse than being unemployed lol

I totally get that anxiety! I've been claiming for about 4 months and constantly second-guess myself even though I know I'm doing everything right. What helps me is keeping a detailed spreadsheet of all my job applications, interview dates, and any freelance work with exact amounts and dates. I also screenshot my weekly certifications before submitting them. Having everything organized gives me peace of mind that if they ever did audit me, I'd have all the documentation ready to go. The way I see it, if you're being honest and following the rules, an audit is just paperwork - annoying but not scary.

The whole tax thing with unemployment is such a mess. They should just automatically withhold like 15% and let people opt out if they want, not the other way around. Too many people get screwed at tax time because they didn't realize unemployment is taxable income.

Just want to add that if you do decide to have taxes withheld, the 10% federal withholding might not be enough depending on your total income for the year. If you had a higher-paying job before unemployment or have other income sources, you might want to consider making quarterly estimated tax payments to avoid underpayment penalties. You can calculate what you might owe using the IRS withholding calculator on their website. Also worth noting that if you're collecting unemployment for most of the year, you'll probably want to file your taxes as early as possible since unemployment 1099-G forms sometimes have errors that need to be corrected.

I'm in almost the exact same boat - just got let go last Friday and have a severance payment coming next month. Reading through all these responses is super helpful! I was definitely overthinking whether I should wait to file or not. Quick question for those who've been through this - when you upload your severance documentation, do they want just the termination letter or the full severance agreement too? My HR gave me like 15 pages of legal documents and I'm not sure what exactly unemployment needs to see. Also @NebulaNomad - solidarity on the phone system nightmare! I've been trying to get through for 3 days now and it's maddening. Might have to try that 8am strategy people keep mentioning. Thanks everyone for sharing your experiences - makes this whole process feel way less overwhelming knowing others have navigated it successfully! 🙏

I went through this exact situation last year! File your claim immediately - don't wait until your severance period ends. The NY system takes forever to process claims, so you want to get in the queue ASAP. Since you're getting a lump sum payment rather than ongoing salary payments, it should only count as income for the week you actually receive it (November 20th). However, you'll need to be completely transparent about it when filing - they'll ask for documentation so have your severance letter ready. What will likely happen is: - You file now and get initially denied due to the severance - You keep certifying weekly anyway - Once they determine your severance period structure, benefits start flowing automatically For the phone situation - I feel your pain! The trick that worked for me was calling at exactly 8:00 AM on weekdays, preferably Wednesday or Thursday. Still took multiple attempts but way better odds than calling later in the day. Also keep in mind you'll need to do 3 job search activities per week once you start certifying, so start keeping track of applications, networking, etc. now. Don't let the broken phone system discourage you from filing online - get that claim started today! The sooner you're in the system, the sooner you can start receiving benefits once your severance period is sorted out. Good luck! 🍀