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wait so if im doing uber and making like $200 a week i can still get unemployment money on top of that?? that seems too good to be true
Yes, but it's not $200 on top of your full benefit amount. NYS Department of Labor subtracts 25% of your earnings from your weekly benefit, so if you normally get $300/week and earn $200, you'd get about $250 in benefits ($300 - 75% of $200 = $150 reduction).
This is really valuable information everyone! I'm in a similar boat - got furloughed from my hotel job and started doing Instacart to make ends meet. One thing I learned from my claim is that you report earnings for the week you actually did the work, not when you got paid. So if you worked Monday-Sunday but didn't get paid until the following Tuesday, you still report those earnings for the week you worked. Also, keep detailed records of your gig work hours and earnings because NYS Department of Labor might ask for documentation later. The key is total transparency - they'd rather you report everything honestly than try to figure it out later and potentially face penalties.
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The whole system is designed to give you as little as possible while making it confusing AF to understand why. They use all these complicated formulas and base periods when they could just say 'we're giving you the minimum we can get away with legally
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Just went through something very similar! Got laid off from a $55k job after working there for 8 months and was confused why I was only getting $450/week instead of the max. After reading all these responses, I finally understand the base period calculation. It's so frustrating that they don't explain this clearly anywhere - I spent hours on their website trying to figure it out. The determination letter does help once you know what to look for, but they should really make this more transparent upfront. At least now I know I'm getting the right amount based on my earnings history. Thanks everyone for sharing your experiences and breaking down the math!
I'm so glad this thread exists! I'm literally going through the exact same thing right now - got laid off last month and was totally confused about why my benefit amount seemed low compared to what I expected. Reading everyone's explanations about the base period and quarterly earnings has been a huge help. It's ridiculous that the NY DOL website doesn't just spell this out clearly from the start. Would save everyone so much confusion and stress! Thanks to all the people who took the time to explain the actual math and share their real numbers - it makes such a difference for those of us trying to figure this out for the first time.
This thread has been incredibly helpful! I'm currently dealing with a similar situation - got laid off from my $62k job after 9 months and was initially confused about my $505 weekly benefit amount. After reading all the explanations here about the base period and quarterly earnings calculation, it finally makes sense. For anyone else trying to understand this: the key thing I learned is that they don't look at your most recent job earnings, but rather your highest quarter during the "base period" (first 4 of the last 5 completed calendar quarters). So if you filed recently, they're looking back at quarters from over a year ago, not your current job. The formula is: (highest quarter earnings) ÷ 26 = weekly benefit amount. To get the max $600, you need around $15,600+ in your highest quarter, which typically means an annual salary of $90k+ if it's consistent income. Thanks to everyone who shared their real numbers and experiences - it made understanding this confusing system so much easier! The NY DOL really needs to explain this more clearly on their website instead of making people hunt for answers.
This is such a great summary! I wish I had found this explanation when I first filed - would have saved me so much confusion and stress. The NY DOL website really does make this way more complicated than it needs to be. Your breakdown of the formula and the base period concept is super clear. I'm bookmarking this thread for future reference in case anyone else I know goes through this process. Thanks for taking the time to write such a helpful explanation!
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Don't give up hope! I was in a very similar situation - worked part-time retail with drastically reduced hours and didn't realize I qualified for partial unemployment benefits. I waited about 6 weeks before filing and was still able to get most of my back pay approved. The key things that helped me were: 1) Filing my initial claim immediately once I found out, 2) Having all my pay stubs organized to show the reduction in hours/earnings, and 3) Being persistent with follow-up calls. When you call to request backdating, be honest about not knowing you were eligible - that's actually pretty common and they understand it. The process took about 3-4 weeks total but I got approved for 5 out of the 6 weeks I requested. Definitely worth the effort given how much it helped with my finances during that tough period.
@Laila Fury Thank you for sharing your experience! I m'actually the original poster and this is exactly what I needed to hear. I ve'been so stressed about this situation. When you mention being persistent with follow-up calls, about how long did you wait between calls? I don t'want to seem pushy but I also can t'afford to let this drag on too long. Also, did you need to provide any other proof besides pay stubs, like a letter from your employer about the hour reduction? I want to gather everything I might need before I start the process.
@Laila Fury This is incredibly helpful! I m'dealing with almost the exact same situation right now. Quick question - when you organized your pay stubs, did you need to show a comparison between your normal hours before the reduction versus after? I have pay stubs from both periods but I m'not sure if I need to highlight the difference somehow or if they ll'figure it out on their own. Also, did you face any challenges proving that the hour reduction was significant enough to qualify for partial benefits? I m'worried my situation might be borderline and want to present it in the best way possible.
GalaxyGazer
Yes! The money finally appeared in my new account this morning - exactly 5 business days after I made the change. Such a relief! Thanks everyone for the reassurance and advice. For anyone reading this with the same problem, just be patient - the system works, it's just slow.
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Zara Rashid
Glad to hear everything worked out! This thread is super helpful for anyone going through the same stress. I'm bookmarking this in case I ever need to change my direct deposit info - now I know to expect about 5 business days and not to panic if it doesn't show up immediately. The security review explanation makes total sense too. Thanks for updating us with the resolution!
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Daniela Rossi
•This is exactly the kind of thread I wish I had found when I was going through my direct deposit change panic last fall! I was checking my account obsessively every few hours and calling the bank thinking there was an error on their end. Would have saved me so much stress knowing that 5 business days is totally normal. Really appreciate everyone sharing their experiences here - it's so helpful to know you're not alone when dealing with these unemployment system quirks!
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