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NY unemployment payment amount decreased and says 'offset' instead of direct deposit - what happened?

I've been getting NY unemployment benefits for about 6 weeks now, everything was going smoothly with direct deposit. Just checked my payment history today and noticed two weird things: 1) my weekly benefit amount went down by $74 (from $504 to $430), and 2) instead of showing 'direct deposit' like usual, now it says 'offset' next to the payment. Nothing changed with my claim situation and I haven't received any notices. Does anyone know what this means? Am I going to keep getting less money now? And will I still get it through direct deposit or do I need to do something else?

UPDATE: Finally got through to someone today! Turns out I had a small overpayment from the beginning of my claim because my employer reported different dates than I did for my last week of work. The rep said they sent a notice on the 15th but it's not in my online inbox and I never got anything in the mail. She said the offset will continue for about 7 more weeks until the overpayment is recouped. So frustrating they don't notify you properly before taking money!

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Thanks for updating us. You should still receive a formal notice about this, so keep checking your mail. If you feel the determination is incorrect, you have the right to request a hearing within 30 days of the notice date. Make sure to gather any documentation from your employer about your last working day to support your case if you decide to appeal.

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classic DOL... they always start taking money first and explaining later. at least you know what happened now! did they say if the offset amount will stay the same each week?

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@profile6 Yes, they said it'll be the same $74 each week until it's paid off. The rep also mentioned I could've set up a repayment plan if I had known about it beforehand, which might have been easier on my budget. Too late now I guess. Just wish they'd make sure people actually RECEIVE notifications before they start deducting money!

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That's really frustrating about the notification system! For future reference, you can actually request to change from offset to a voluntary repayment plan even after it starts - you just need to call and ask. The rep might not have mentioned it, but they can usually switch you over if you explain the financial hardship. Worth asking about if the $74/week is putting too much strain on your budget.

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Can I reapply for NY unemployment after exhausting 26 weeks of benefits?

My regular NY unemployment benefits are ending next week (I've used all 26 weeks). I'm still job hunting with no luck so far. Can I just reapply and get more benefits, or is that not allowed? Does New York have any extensions available in 2025? I'm getting really stressed about how to pay bills once my benefits stop. Any help appreciated!

I'm in week 4 of my benefits and stumbling across this thread feels like finding a lifeline I didn't even know I needed. Like absolutely everyone else here, I was completely clueless about the qualifying wages requirement and genuinely believed I could just reapply after hitting the 26-week mark. Reading through all these experiences has been both shocking and incredibly grateful - I have 22 weeks to actually prepare instead of getting blindsided. The resource compilation here is unreal - SNAP, HEAP, workforce development programs, the 599 Training Program, Claimyr service, library job services, community college placement programs. I'm creating a master plan to tackle all of these systematically over the next few months instead of waiting until I'm desperate. I'm in restaurant management and wondering if there are any hospitality or business management training programs that might qualify for the 599 program. The food service industry has been absolutely decimated and maybe this could be my chance to transition into something more stable while still having some support. What really hits me is how this community has had to create its own support network because the official systems provide basically zero useful information. It's infuriating that we're all having to become amateur experts on navigating these programs just to survive, but I'm incredibly grateful for everyone who's shared their real experiences here. For anyone else who's early in their benefit period - this thread is pure gold. Use whatever time you have left to start preparing now. The people here have created something way more valuable than any government resource I've encountered.

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I'm in week 3 of my benefits and finding this thread has been absolutely life-changing - I can't believe I almost went through this entire process completely blind to what actually happens at week 26. Like everyone else here, I had zero understanding of the qualifying wages requirement and was totally unprepared for the reality that you can't just reapply after exhausting benefits. Having 23 weeks left now feels like such a gift after reading how many people discovered this information with just days or weeks remaining. I'm going to use every single week to prepare systematically - starting SNAP/HEAP applications early, connecting with workforce development programs, researching the 599 Training Program, and trying that Claimyr service to actually speak to someone at NYSDOL. I'm in retail management and hoping there might be approved training programs for supply chain management or e-commerce that could help me transition to something more stable. The retail industry has been rough and this could be an opportunity to pivot while maintaining support. What's really striking me is how this community has essentially had to build its own information network because the official systems provide virtually nothing useful. It's both frustrating and amazing - frustrating that we have to crowdsource basic information about our own benefits, but amazing how generous everyone has been with sharing real experiences and practical resources. For anyone else who's very early in their benefit period and just discovering this reality - start preparing immediately. This thread contains more actionable information than anything I've found through official channels. We're all in this together, and having time to plan makes all the difference.

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@Isabella Ferreira You re'in such an incredible position with 23 weeks left! Reading your post gives me hope because you re'approaching this so strategically instead of just hoping for the best. Your retail management background actually puts you in a great spot for supply chain or e-commerce training - those are definitely high-demand fields that workforce development programs tend to prioritize. I m'new to this community but have been lurking and learning from everyone s'experiences. The way people here have shared resources and supported each other through this broken system is really inspiring. It s'crazy that we have to rely on each other for basic information that should be readily available through official channels. One thing I d'add to your research list - check if your local Small Business Development Center SBDC (offers) any entrepreneurship training programs. With your retail management experience, they might have resources for people looking to start their own businesses, and some of those programs include stipends or ongoing support. The systematic approach you re'taking is exactly right. Having nearly half a year to prepare and explore all these options puts you way ahead of most people facing this transition. Keep us posted on what you discover about supply chain training programs - that could be valuable info for others in retail who need to make similar transitions!

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Can I get NY unemployment benefits after being laid off 3 weeks into new job?

I was collecting NY unemployment from November 2024 until February 2025 when my 26 weeks ran out. I finally found a new job in May, but after only 3 weeks, they laid me off due to lack of work (not my fault). Can I qualify for unemployment benefits again? Do I need to start a whole new claim or can I somehow reopen my old one? I'm really stressed about this because I barely had time to catch up on bills before losing this new job.

did u try 2 stay at the job longer? sometimes if u quit too early they say its ur fault

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I didn't quit - they laid me off because they said they didn't have enough work. I would have stayed if I could, I really needed the job.

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You're in the clear from an eligibility standpoint since you were laid off due to lack of work. That's considered a qualifying separation because it was not your fault. As long as you have documentation showing you were laid off (not fired for cause or quit), you should have no issues with the separation reason.

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I went through something similar last year! The good news is that with your steady employment through November 2024, you should definitely qualify for a new claim with a decent benefit amount. A few tips from my experience: 1) File online as soon as possible - don't wait, 2) Have all your employment documentation ready including your separation notice from the 3-week job, 3) Be prepared for the ID.me verification again (it's annoying but faster the second time), and 4) When you get to the employment history section, list ALL your jobs including that 3-week position. The system will automatically calculate your base period wages from your longer employment history. With a $62k salary through November, you're likely looking at a much better benefit rate than you'd expect from just 3 weeks of work. Hang in there - you've got this!

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How to fill out unemployment weekly claim correctly - NYS Department of Labor questions

I just got approved for unemployment benefits and need to file my first weekly claim but I'm completely lost on how to fill it out properly. The NYS Department of Labor website has the form but some of the questions are confusing me. Like when they ask about work search activities - do I need to list every single job I applied to? And what about the earnings section - I did some freelance work last week for $75, how do I report that? I'm scared of messing this up and losing my benefits. Can someone walk me through the weekly claim process step by step?

One more tip - screenshot or save a copy of your completed weekly claim before you submit it. If there's ever a technical glitch or question about what you reported, having that record can save you a huge headache with NYS Department of Labor. I learned this after the site crashed right as I was submitting and I couldn't remember exactly what I had entered for my work search activities.

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Great advice! I'll start doing that. This is all so much more complicated than I thought it would be.

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As someone who just went through the initial claims process last month, I want to emphasize something that really helped me - when you're filling out your weekly claim, take your time and read each question carefully. Don't rush through it even if you're anxious about missing the deadline. For the work search activities, I keep a simple spreadsheet with columns for date, company name, position applied for, and method (online application, networking, etc.). This makes it super easy to reference when filling out the weekly claim. Also, for that $75 freelance work - definitely report it as gross earnings for the week you performed the work. The system will automatically calculate the reduction to your benefits, but being upfront about it protects you from any potential overpayment issues down the road. You've got this!

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Do employees pay unemployment taxes for NYS Department of Labor benefits?

I'm looking at my latest paystub and trying to figure out all the deductions. I see state income tax, federal tax, social security, medicare... but I don't see anything specifically labeled as unemployment tax. My coworker said employees don't pay into unemployment insurance but that doesn't sound right to me? If we don't pay into it, how does NYS Department of Labor fund the unemployment benefits? Can someone explain how this actually works?

This system has always frustrated me because it creates this adversarial relationship between workers and employers when it comes to unemployment claims. Employers have a financial incentive to deny legitimate claims, which is why so many people have to go through the whole appeals process with NYS Department of Labor even when they clearly qualify. It would make more sense if employees contributed something too so employers wouldn't have such a strong motivation to fight every claim.

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I understand the frustration but there are good policy reasons why it's structured this way. It incentivizes employers to maintain stable employment and avoid unnecessary layoffs.

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Thanks everyone for explaining this! I had the same misconception as the original poster. It's actually pretty interesting how the system works - employers essentially "pre-pay" for potential unemployment claims through their ongoing tax contributions. I'm curious though, does anyone know what the current wage base is in NY? Like up to what salary amount do employers pay the SUTA tax on?

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