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Also watch out for partial unemployment if you're only getting reduced hours instead of full layoffs. A lot of construction workers don't realize they can file for partial benefits when work slows down but doesn't stop completely.
Don't forget about unemployment due to workplace injuries too. If you get hurt on the job and can't work while recovering, you might be eligible for temporary disability benefits through workers' comp, but there can also be situations where unemployment benefits apply if you're able to work but your injury prevents you from doing your specific construction job. I learned this the hard way after a back injury last year. The NYS Department of Labor can help you figure out which benefits you qualify for, but it's worth knowing that construction workers have some unique situations that office workers don't typically face.
That's really valuable information about injury-related situations! I hadn't considered how workers' comp and unemployment benefits might overlap or differ. Construction definitely has more physical risks than desk jobs. Did you have to navigate between different agencies or was NYS Department of Labor able to help coordinate everything? Sounds like having that injury really taught you about the system the hard way.
I can confirm what everyone else is saying - unemployment benefits are definitely earned income, not public assistance. I went through this exact same confusion when I was apartment hunting last year while on unemployment. The key distinction is that you paid into the unemployment insurance system through your previous job, so these are benefits you earned. Public assistance refers to need-based programs like SNAP or TANF that don't require prior contributions. I'd recommend getting a copy of your monetary determination letter from NYS Department of Labor to include with your application - it shows the official benefit amount and helps legitimize it as income in landlords' eyes. Most reasonable landlords understand unemployment is temporary and that you're actively job searching.
Thanks for the detailed explanation! I'm new to this whole process and really appreciate everyone taking the time to clarify this. It makes total sense that it's earned income since I was paying into unemployment insurance through my paychecks. I'll definitely get that monetary determination letter from NYS Department of Labor like you and others suggested. It's reassuring to know that most landlords are reasonable about temporary unemployment - I was worried it would automatically disqualify me from rentals. This community has been so helpful!
I'm a housing counselor and deal with this question frequently. Unemployment insurance is absolutely NOT public assistance in NY - it's earned income that you contributed to while working. When filling out rental applications, list it under income but not under public assistance. Pro tip: many landlords prefer seeing a co-signer or guarantor when unemployment is your primary income source, not because it's inadequate income, but because they know it's temporary. Also keep copies of your weekly certification emails from NYS Department of Labor as additional proof of ongoing benefits. Don't let this discourage you from applying - you have legitimate income and rights as a tenant!
Thank you for the professional perspective! As someone who works in housing, do you have any advice on how to present unemployment income in the best light to landlords? I'm wondering if there are specific documents or ways to frame it that make applications stronger. Also, when you mention co-signers - is that something most people in my situation end up needing, or just a helpful option?
Great question! From my experience, the best approach is to present it professionally with documentation. Include your monetary determination letter, recent payment stubs from NYS DOL, and a brief cover letter explaining your job search timeline and any promising leads. Frame it as "temporary earned income during career transition" rather than just "unemployment." Regarding co-signers - I'd say about 60% of my clients with unemployment as primary income end up using one, especially in competitive rental markets. It's not always required, but it definitely strengthens your application and gives landlords peace of mind. The key is being proactive about it rather than waiting for them to ask.
This thread has been super helpful! I had the same $74 increase and was convinced I was going to get hit with an overpayment demand later. It's honestly ridiculous that NYSDOL doesn't send any kind of notification about these annual adjustments - a simple automated message explaining the rate change would save so many people from panicking. I spent way too much time last week worried I'd somehow double-claimed or made some other mistake. Thanks to everyone who explained this is just the normal January adjustment based on state wage data. Definitely going to start documenting everything with screenshots from now on!
I'm so glad I found this thread! I literally had the same panic when I saw my benefit amount jump up without any explanation. The lack of communication from NYSDOL is honestly frustrating - like you said, just a simple automated message would prevent so much stress and confusion. I was convinced I was going to owe money back or something. It's really helpful to know this is just their standard annual adjustment process. Thanks to everyone who shared their experiences - it's made me feel so much better about the whole situation!
I'm dealing with this exact same situation right now! My benefit rate went from $625 to $699 seemingly overnight and I've been losing sleep over it thinking NYSDOL made some kind of error. Reading through all these responses has been such a huge relief - I had no idea about the annual wage adjustments that happen in January. It's honestly pretty frustrating that they don't send any kind of notification about this change. Even a simple message in our online accounts saying "Your benefit rate has been adjusted due to the 2025 annual wage review" would prevent so much anxiety. I was literally googling "unemployment overpayment penalties" at 2am last night! Thanks to everyone who shared their experiences - this community is so helpful for navigating all the confusing parts of the unemployment system.
I totally feel you on the 2am googling sessions! I did the exact same thing when my rate jumped up - spent hours reading horror stories about overpayments and penalties. It's such a relief to find out this is completely normal and happens automatically every January. The fact that so many of us had the same panic reaction really shows how badly NYSDOL needs to improve their communication. A simple notification would save everyone so much stress. At least now we all know what to expect for future years!
Just remember that your first payment might include back pay if there was any delay in processing your initial claim. So don't be surprised if the amount is higher than expected - that's actually a good thing!
I'm going through the same situation right now! My claim was approved on Wednesday and I'm still waiting for the deposit. From what I've read on the NYS DOL website, they say to allow 2-3 business days for direct deposit after your weekly certification shows as "paid." It's nerve-wracking when you're counting on that money, but it sounds like the system is just slow. Hang in there Diego, hopefully we both see our payments soon!
Chloe Zhang
I've been documenting my job searches in a simple Word document and it's worked fine during my claim reviews. Just include: date, company name, position title, how you applied (website, email, in-person), and contact info if available. Don't overthink it - NYS Department of Labor just wants to see you're making genuine efforts. Also, attending virtual job fairs and career webinars count toward your 3 weekly activities, which helped me when physical applications were slim. The key is consistency in your record-keeping format.
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Zoe Gonzalez
•This is really helpful! I've been overthinking the documentation format. Quick question - for virtual job fairs, do I need to document specific employers I spoke with at the event, or is just attending the fair itself enough to count as one of the 3 weekly activities?
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Fiona Sand
•@Zoe Gonzalez Just attending the virtual job fair counts as one activity, but I d'recommend documenting a few key employers you interacted with if possible - it shows more engagement. Even if you just visited their booths or downloaded materials, note that down. It strengthens your record without being too burdensome.
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Payton Black
Just want to add that if you're using LinkedIn for job searching, make sure to document those applications too! I've been applying through LinkedIn Easy Apply and it definitely counts toward the 3 weekly requirements. I include the LinkedIn job posting URL in my log along with the standard info (company, position, date). Also, don't forget that updating your resume or LinkedIn profile can count as a job search activity - I learned this from a NYS Department of Labor rep. It's helpful when you're having a slow week with actual applications but still need to meet the requirement.
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Natasha Volkova
•That's really good to know about LinkedIn Easy Apply counting! I've been using that a lot but wasn't sure if it was "official" enough. Do you know if connecting with recruiters or hiring managers on LinkedIn also counts as a job search activity? I've been doing that but didn't think to document it.
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