One thing to add - you can check your payment method and status by logging into your NY.gov account and looking at the "Payment Information" section. It will show whether you're set up for direct deposit or the debit card option. Also, NYS Department of Labor sends email notifications when payments are processed, so keep an eye on your inbox. The first payment sometimes takes a bit longer than usual while they verify everything, but after that it should be pretty consistent timing-wise.

Another tip - if you're getting the KeyBank debit card instead of direct deposit, it usually arrives within 7-10 business days after your first payment is processed. The card comes with instructions on how to set up a PIN and access ATMs. Just be aware that there might be fees for certain transactions like out-of-network ATM withdrawals, so read the fee schedule carefully when you get it. You can also transfer money from the card to your regular bank account if you prefer, though there might be a small fee for that too.

The whole system is backwards if you ask me. Why should there be a cap on what employers pay in when some of us make way more than that wage base? Meanwhile they're always complaining about the unemployment fund running low...

Thanks for all the helpful explanations! I work in HR and deal with this regularly. Just to clarify a few things - the $12,300 wage base for 2025 is correct, but it's worth noting that this amount gets adjusted periodically based on economic factors. Also, while your benefits aren't capped by the wage base, New York does have a maximum weekly benefit amount (currently $504 per week). So if you're a high earner, your replacement rate might be lower percentage-wise, but you'll still get much more than someone earning at the wage base level. The system is designed to provide adequate support while keeping employer costs manageable across different business sizes.

To clarify the main points: 1) You can file for unemployment if you're able/available for work within your restrictions, 2) You must report workers comp income on weekly claims, 3) There will likely be an offset reducing your UI benefit, 4) Still worth filing to protect your claim status. Make sure you have medical documentation of your work capabilities before applying.

I'm going through something similar right now! Just wanted to add that when you call NYS Department of Labor, try calling right when they open at 8 AM - you'll have a much better chance of getting through. Also, keep detailed records of all your medical appointments and work search activities because they may ask for proof later. The offset rules can be confusing but the main thing is establishing your claim early so you don't lose out on benefits when your workers comp situation changes. Good luck with your recovery!

just wanted to say I hope your husband heals up quickly. construction injuries can be really serious and it sounds like you're dealing with a lot of stress right now.

I work in benefits administration and want to clarify a few things that might help. While it's generally true you can't collect both simultaneously, there are some nuances worth understanding. First, if your husband's workers comp case gets settled or closed, he could potentially become eligible for unemployment if he's then able and available for work. Second, some people don't realize that workers comp settlements can sometimes be structured to allow for a return to the workforce sooner. I'd strongly recommend contacting both his workers comp carrier and NYS Department of Labor directly to discuss his specific medical restrictions and work capacity. Document everything - dates, who you spoke with, what they said. This will be important if there are any disputes later. Also consider reaching out to a workers comp attorney for a consultation, as many offer free initial consultations and can help navigate the system more effectively than trying to figure it out alone.

the my.ny.gov site is such a mess, half the time the links don't even work right. i always have to try logging in like 3 times before it actually lets me see my unemployment stuff. but yeah once you get in its under unemployment services then account info

Just wanted to add that you can also download the mobile app for my.ny.gov which sometimes works better than the website. I use it to check my payment dates and do my weekly claims when I'm not at my computer.