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What's really interesting is that New York was actually one of the first states to implement unemployment insurance even before the federal Social Security Act. The state passed its own unemployment insurance law in 1935, just months before the federal legislation. The NYS Department of Labor has been refining this system for almost 90 years now, which explains why it has so many detailed procedures and requirements - they've had decades to build out all the fraud prevention measures and eligibility criteria that sometimes make the process feel overwhelming for claimants.
Make sure you double check that your routing and account numbers were entered correctly when you set up direct deposit. One wrong digit and your payment could be floating in limbo somewhere. NYS Department of Labor should send you a confirmation email when direct deposit is activated on your account.
That's really good advice! I actually didn't get a confirmation email when I set it up, which now has me a bit worried. Should I call to verify everything was entered correctly or wait to see if the payment shows up first?
@Ryan Young I d'probably wait a day or two to see if the payment shows up first, especially since it s'only been a few days since you set it up. If nothing appears by Friday, then definitely call to double-check your banking info. Sometimes the confirmation emails end up in spam folders too, so check there as well!
I had the exact same situation when I first switched to direct deposit with NYS Department of Labor! It took about 3 business days for my first payment to show up, but after that it was consistently 1-2 days. The initial setup does seem to add some extra processing time. I'd give it until Friday before getting concerned, especially since your claim shows as paid. Also make sure to check if your bank has any holds on new ACH deposits - some banks will hold the first few deposits from new sources for an extra day.
That's reassuring to hear! I didn't even think about my bank potentially holding ACH deposits from new sources. I'll check with them if the payment doesn't show up by Friday. It's good to know the 3-day timeline for the first payment is pretty normal - makes me feel less anxious about the whole thing.
@Fatima Al-Maktoum That s'really helpful about checking with the bank on ACH holds! I had no idea that was even a thing. My credit union is pretty small so they might have stricter policies on new deposits. I ll'definitely call them if nothing shows up by Friday. Thanks for sharing your experience - it s'nice to know the 3-day wait for first-time direct deposit is normal and not just me having bad luck!
Just wanted to jump back in and say I've been reading all your comments and they mean so much. This is exactly the supportive community I was hoping for. Let's keep lifting each other up through this unemployment journey. ❤️
This post really hit home for me. I just started my unemployment claim process last week and I was already feeling overwhelmed by all the paperwork and requirements. Reading through everyone's experiences here - both the struggles and the successes - makes me feel less alone in this. It's amazing how much difference it makes to know there are real people going through the same thing who are willing to help each other out. Thank you @Amina for creating this positive space! 🙏
Just want to add that timing matters too with separation agreements and unemployment. If you're getting severance pay, that might delay when your UI benefits start even if you're approved. NYS Department of Labor has rules about how severance affects your benefit timing so make sure you understand that part too before making your decision.
This is super helpful info about severance timing! I'm wondering though - does the severance calculation change if it's paid as a lump sum versus weekly payments? My separation agreement mentions a lump sum payment but I'm not sure if NYS Department of Labor would still spread that out over the equivalent weeks when determining when my UI benefits can start.
From what I understand, NYS Department of Labor typically treats lump sum severance the same way - they'll calculate how many weeks it represents based on your regular weekly salary and delay your benefits accordingly. So if you normally made $1000/week and got a $8000 lump sum, they'd consider that 8 weeks of severance even though you got it all at once. But definitely confirm this when you file your claim since there can be exceptions based on how the agreement is worded.
I went through this exact situation about 8 months ago and it worked out fine! The key thing to remember is that NYS Department of Labor cares more about the actual reason for separation than what the paperwork says. When I filed my claim, I was completely transparent about the separation agreement and explained that while it technically said "voluntary resignation," the reality was that my position was being eliminated due to company restructuring. The UI representative I spoke with said this happens all the time and they're used to evaluating these cases. Just make sure you have documentation of the circumstances that led to the separation agreement - like emails about budget cuts, layoff announcements, or anything showing it wasn't really your choice to leave. Also, don't forget to ask HR if you can negotiate the language in the agreement before signing - sometimes they'll add a clause acknowledging the involuntary nature of the separation which makes the UI claim much smoother.
This is exactly the kind of detailed advice I was hoping for! I'm definitely going to ask HR about modifying the language in the agreement before I sign - I hadn't thought about negotiating that part. Do you remember roughly how long the whole process took from filing your claim to getting your first payment? I'm trying to budget for the gap between my last paycheck and when benefits might start.
Christian Burns
If you're having trouble getting through to NYS Department of Labor to ask questions about your claim timing, I used this service called Claimyr (claimyr.com) that helped me reach an actual agent. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. Was way easier than sitting on hold for hours just to ask about filing deadlines and claim status.
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Sasha Reese
•The bigger issue is people not knowing they should file immediately. The unemployment system really doesn't do a good job of communicating these basic rules. Half the people I know who got laid off during my company's downsizing waited weeks to apply thinking they had some grace period.
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Muhammad Hobbs
Just file online at my.ny.gov ASAP. Don't overthink it. You need your social security number, employment history for the last 18 months, and your employer's info. The whole process takes maybe 20-30 minutes and then you'll start getting weekly claim forms. The longer you wait the more money you're throwing away.
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Edwards Hugo
•This is really helpful info, thanks! Just to clarify - when you say employment history for the last 18 months, does that include all jobs even if they were part-time or temporary? I had a few different gig jobs before my warehouse position and I'm not sure if I need to include all of them or just my most recent full-time employer.
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Brian Downey
•Yes, include ALL employment from the last 18 months - full-time, part-time, temporary, gig work, everything. NYS DOL uses this to calculate your benefit amount based on your earnings history. Even if a job was just a few weeks, include it. Better to over-report than miss something and have delays in processing your claim. They'll verify with all employers anyway, so being thorough upfront saves time later.
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