This thread has been super helpful! I'm dealing with a similar situation where I live in Pennsylvania but work in Manhattan. I was getting stressed about potentially filing in the wrong state and having to start over. It's reassuring to know that since my paychecks come from a NY employer and taxes were withheld for NY, I should definitely file with NYS Department of Labor. The interstate commuter situation is definitely more common than people think, especially in areas like NYC where people live across state lines for housing costs but work where the jobs are.

Thanks for this thread! I'm in a similar situation - live in New Jersey but work in Brooklyn. I was getting conflicting advice from friends and family about which state to file with. Some people kept telling me to file in NJ since that's where I'm a resident, but based on what everyone's saying here, it sounds like NYS Department of Labor is definitely the right choice since that's where I've been earning wages and paying into the system. It's good to know this is such a common situation for tri-state area workers. I feel much more confident about filing now instead of second-guessing myself.

same boat here, been on UI for 6 weeks and house hunting is on hold indefinitely. so frustrating when you know it's just temporary but lenders treat you like you're unemployable

I work as a loan officer in NY and can shed some light on this. While unemployment does make approval more challenging, it's not automatically disqualifying. Many lenders will consider your wife's income as the primary qualifying income and may accept unemployment benefits as supplemental income with proper documentation from NYS Department of Labor. The key factors are: 1) Your wife's debt-to-income ratio on her salary alone, 2) Your credit scores and assets, 3) Documentation showing the layoff was company-related not performance-related, and 4) A reasonable timeline for returning to work. I'd recommend getting pre-qualified with 2-3 different lenders since policies vary significantly. Some are much more flexible with temporary unemployment situations, especially in construction where seasonal/cyclical layoffs are common.

I was in almost the exact same situation last fall! My hours dropped from full-time to about 12-15 hours per week at my retail job. Filing for partial unemployment was honestly a lifesaver. The process is pretty straightforward - you apply just like you would for regular unemployment, but then each week when you certify, you report your actual earnings. The system automatically calculates how much benefit you get based on what you earned that week. One thing that surprised me was that I could still get some benefits even when I had a slightly better week with more hours. As long as your weekly earnings are below your maximum benefit amount, you'll get something. Just be patient with the initial application process - it took about 3 weeks for my first payment to come through, but once it was set up, the weekly claims were easy to do online.

I'm currently going through this exact situation! My manufacturing job cut my hours from 40 to around 20 per week back in January. I was nervous about applying at first because I thought you had to be completely unemployed, but the partial unemployment benefit has been a huge help. One tip I wish someone had told me earlier - when you're reporting your weekly earnings, make sure you report your gross pay (before taxes), not your take-home pay. I made that mistake in my first few certifications and had to correct it later. Also, keep detailed records of your hours and pay stubs because NYS Department of Labor may ask for verification. The weekly certification process becomes routine once you get used to it - I just do mine every Sunday morning now. Don't let anyone make you feel bad about using this benefit - it's exactly what it's designed for when your employer reduces your hours through no fault of your own.

My cousin quit her job last month because her employer kept changing her shift times with no notice and she couldn't arrange childcare. She's going through the adjudication process now but her case worker told her that sudden schedule changes without reasonable notice can sometimes qualify as good cause, especially if you have dependent care responsibilities. Every situation is different though so definitely don't quit without talking to someone first.

I went through something similar with a retail job where management was making my work environment unbearable. One thing that really helped my case was keeping a detailed log of every incident - dates, times, witnesses present, and exactly what was said or done. I also saved all communications (texts, emails, schedule changes) and took photos of any written notices or schedules they posted. When I finally quit and applied for UI, having that documentation made all the difference. The adjudicator could see a clear pattern of problematic behavior from my employer. Also, make sure you exhaust all internal options first - file complaints with HR in writing (not just verbal), follow your company's grievance procedure if they have one, and keep copies of everything. NYS Department of Labor really wants to see that you tried to resolve things before quitting. It's frustrating but worth doing if you want the best shot at getting benefits approved.

Just to add some helpful information: You can check what you've already had withheld by logging into your NY.gov account, going to Unemployment Services, and selecting 'Payment History.' This will show each payment with tax withholding amounts. If you're concerned about whether you've withheld enough, speaking with a tax professional now rather than waiting until tax season might be worthwhile.

Just wanted to chime in as someone who went through this exact confusion last year! I also got mixed up thinking unemployment wasn't taxable anymore. What really helped me was setting up automatic transfers - every time I get my unemployment payment, I immediately move 15% to a separate "tax savings" account (10% for federal, 5% for state). That way I don't even see that money and won't be tempted to spend it. When tax time comes around, I'll have more than enough set aside and might even get a small refund. It's been a lifesaver for budgeting!