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agreed the whole system is a mess. but realistically if you did get paid while claiming benefits and didnt report it right they will get their money back one way or another
I went through something similar a couple years ago - owed about $1,500 in overpayment. The key thing is to act quickly since you still have time to appeal. Gather whatever documentation you have - even partial records are better than nothing. Bank deposits, PayPal records, email confirmations from clients, anything that shows when you actually received payment vs when you worked. The appeals process takes a while but it's worth it if you think there's an error. In my case, I was able to prove the timing was different than what they calculated and got the overpayment reduced by about 40%. Even if you can't eliminate it completely, you might be able to reduce the amount owed.
Most people don't have SUB benefits so don't stress about it too much. Focus on making sure your regular NYS Department of Labor weekly claims are filed correctly and on time. That's your main source of income replacement while unemployed.
Just to add some clarity - SUB benefits are completely voluntary employer programs, so the vast majority of workers don't have them. Don't feel like you're missing out on something you should have known about. These programs require significant employer investment and administration, which is why they're mainly seen in large corporations or union contracts. Your regular NYS Department of Labor benefits are what most people rely on. If you're unsure, a quick call to your former employer's HR is worth it, but chances are if they had SUB benefits, it would have been a prominent part of your benefits package that they'd promote during hiring.
File ASAP! Don't wait around thinking about it. The sooner you get your claim in the better. And yeah like others said, emphasize that you were terminated before your notice period ended.
I went through something similar about 6 months ago! The key thing is that you were ready and willing to work those two weeks, but your employer chose to end it early. That makes it their decision, not yours. When I filed, I explained it exactly like that - gave notice with intention to work through it, but was told to leave immediately. Got approved without any issues. Just be clear about the timeline when you file and you should be fine. Good luck!
Just wanted to update everyone - I tried the early morning approach that @Amara Nnamani suggested and got through at 5:30am! The site was super slow but I managed to complete my certification. For anyone still having issues, definitely try between 5-7am when there's less traffic. Also make sure to have all your info ready beforehand because the session might time out if you take too long. Hope this helps! ๐
@Logan Scott In my experience the site was just really slow during those early hours, not completely down. It took about 10 minutes to fully load each page but I was able to get through the whole certification process. From what I ve'seen on this forum over the past year, these NYSDOL outages usually last 2-4 days max before they get it sorted out. The key is being persistent and trying at off-peak hours like super early morning or late night around (11pm-1am sometimes works too .)Good luck with the 5am attempt! ๐ค
@Logan Scott The site was really slow but functional during those early hours - took about 10 minutes to load each page but it didn t'crash. From what I ve'seen in this community before, these NYSDOL outages usually last 2-4 days when they re'system-wide like this. The good news is that they typically don t'penalize people for late certifications when it s'their system that s'down, especially if you have those screenshots @Douglas Foster mentioned. Good luck with the 5am attempt tomorrow! ๐ค
Hey everyone, just wanted to share that I finally got through this morning around 6:15am after reading all your suggestions! The site was extremely slow but functional. For anyone still struggling, here's what worked for me: 1. Used incognito mode in Chrome 2. Had all my info written down beforehand 3. Didn't click anything twice even when it seemed frozen 4. Let each page fully load before proceeding The whole process took about 45 minutes vs the usual 10 minutes, but I got my certification submitted! Don't give up - that early morning window seems to be the sweet spot. Thanks especially to @Amara Nnamani and @Zara Shah for the helpful tips. Hang in there everyone, you'll get through! ๐
@Javier Torres Good question! I waited about 2-3 minutes for each page to load completely - I know it sounds like forever but the system is just super overloaded right now. You ll'see a spinning wheel or loading indicator, so as long as that s'there don t'click again. I stuck with desktop since the mobile site seems even slower based on what others mentioned. Also pro tip - have a backup plan ready like that claimyr service people mentioned, just in case the early morning thing doesn t'work for you. The stress isn t'worth it if you re'cutting it close to your deadline! Good luck tomorrow morning ๐ค
@Javier Torres Good question! I usually waited about 2-3 minutes if the page seemed frozen - I know it sounds like forever but the system is just super overloaded during these outages. I could tell it was actually loading because the browser tab would show a loading icon even when the page looked stuck. As for mobile vs desktop, I stuck with desktop since it seemed more stable, but a few people in other threads mentioned mobile working better for them. Maybe try desktop first and if that fails, switch to mobile? The key is really just being patient and not refreshing or clicking back. You got this! ๐ช
Sean Doyle
If your account says benefits were released but Key2Bank shows nothing, you need to file a payment trace with unemployment. I had to do this last year. You have to get through to a live agent though (good luck lol). Try claimyr.com if you're struggling to get through - they'll wait on hold for you.
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Savannah Weiner
I went through this exact same nightmare a few months ago! The disconnect between NY unemployment and Key2Bank is absolutely maddening. Here's what I learned: when unemployment says "payment released," it doesn't mean the money is actually on your card yet - there's usually a 1-3 day processing delay. The Key2Bank reps often can't see payments that are still in transit from the state system. My card took 9 business days to arrive, and then I had to activate it before I could see any funds. I'd definitely recommend trying to create an account on key2benefits.com to check if the money is actually there, even without the physical card. And honestly, if you need to talk to someone at unemployment (which you probably do), claimyr.com is worth every penny - saved me literally days of frustration trying to get through on my own.
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Dmitry Ivanov
โขThis is super helpful, thank you! I'm definitely going to try creating the key2benefits account right now. The 1-3 day processing delay makes so much sense - nobody explained that to me. I've been panicking thinking my money just disappeared into thin air. Going to check out claimyr too since it seems like everyone is having success with it.
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