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wait so if im doing uber and making like $200 a week i can still get unemployment money on top of that?? that seems too good to be true
Yes, but it's not $200 on top of your full benefit amount. NYS Department of Labor subtracts 25% of your earnings from your weekly benefit, so if you normally get $300/week and earn $200, you'd get about $250 in benefits ($300 - 75% of $200 = $150 reduction).
This is really valuable information everyone! I'm in a similar boat - got furloughed from my hotel job and started doing Instacart to make ends meet. One thing I learned from my claim is that you report earnings for the week you actually did the work, not when you got paid. So if you worked Monday-Sunday but didn't get paid until the following Tuesday, you still report those earnings for the week you worked. Also, keep detailed records of your gig work hours and earnings because NYS Department of Labor might ask for documentation later. The key is total transparency - they'd rather you report everything honestly than try to figure it out later and potentially face penalties.
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The whole system is designed to give you as little as possible while making it confusing AF to understand why. They use all these complicated formulas and base periods when they could just say 'we're giving you the minimum we can get away with legally
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I'm in a similar boat - just started my unemployment claim a few months ago and already worried about what happens when I hit that 26-week limit. Has anyone had luck with temporary or gig work while collecting UI? I know you have to report earnings but wondering if it's worth trying to supplement income now rather than waiting until benefits run out completely. Also curious if doing some freelance work might actually help with networking and finding a full-time position.
Yes, you can definitely do temporary or gig work while collecting UI! You just need to report any earnings when you file your weekly claim. In NY, you can earn up to 25% of your weekly benefit rate without any reduction in benefits, and earnings above that get deducted dollar-for-dollar. I'd actually recommend starting to supplement now rather than waiting - it keeps you active in the job market and helps with networking like you mentioned. Plus, having some income coming in makes the transition easier if your benefits do run out. Just make sure to keep detailed records of all work and earnings for your weekly certifications.
I went through this exact situation about 8 months ago when my UI ran out. One thing I wish I had done earlier was to start networking more aggressively around week 20-22 instead of waiting until the end. Also, if you haven't already, make sure you're signed up for job alerts on multiple platforms - Indeed, LinkedIn, company websites directly. The NYS DOL website also has a job search portal that sometimes has listings that aren't posted elsewhere. Hang in there - I know it's stressful but something will come through!
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Just went through something very similar! Got laid off from a $55k job after working there for 8 months and was confused why I was only getting $450/week instead of the max. After reading all these responses, I finally understand the base period calculation. It's so frustrating that they don't explain this clearly anywhere - I spent hours on their website trying to figure it out. The determination letter does help once you know what to look for, but they should really make this more transparent upfront. At least now I know I'm getting the right amount based on my earnings history. Thanks everyone for sharing your experiences and breaking down the math!
I'm so glad this thread exists! I'm literally going through the exact same thing right now - got laid off last month and was totally confused about why my benefit amount seemed low compared to what I expected. Reading everyone's explanations about the base period and quarterly earnings has been a huge help. It's ridiculous that the NY DOL website doesn't just spell this out clearly from the start. Would save everyone so much confusion and stress! Thanks to all the people who took the time to explain the actual math and share their real numbers - it makes such a difference for those of us trying to figure this out for the first time.
This thread has been incredibly helpful! I'm currently dealing with a similar situation - got laid off from my $62k job after 9 months and was initially confused about my $505 weekly benefit amount. After reading all the explanations here about the base period and quarterly earnings calculation, it finally makes sense. For anyone else trying to understand this: the key thing I learned is that they don't look at your most recent job earnings, but rather your highest quarter during the "base period" (first 4 of the last 5 completed calendar quarters). So if you filed recently, they're looking back at quarters from over a year ago, not your current job. The formula is: (highest quarter earnings) ÷ 26 = weekly benefit amount. To get the max $600, you need around $15,600+ in your highest quarter, which typically means an annual salary of $90k+ if it's consistent income. Thanks to everyone who shared their real numbers and experiences - it made understanding this confusing system so much easier! The NY DOL really needs to explain this more clearly on their website instead of making people hunt for answers.
This is such a great summary! I wish I had found this explanation when I first filed - would have saved me so much confusion and stress. The NY DOL website really does make this way more complicated than it needs to be. Your breakdown of the formula and the base period concept is super clear. I'm bookmarking this thread for future reference in case anyone else I know goes through this process. Thanks for taking the time to write such a helpful explanation!
GalaxyGazer
Yes! The money finally appeared in my new account this morning - exactly 5 business days after I made the change. Such a relief! Thanks everyone for the reassurance and advice. For anyone reading this with the same problem, just be patient - the system works, it's just slow.
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Zara Rashid
Glad to hear everything worked out! This thread is super helpful for anyone going through the same stress. I'm bookmarking this in case I ever need to change my direct deposit info - now I know to expect about 5 business days and not to panic if it doesn't show up immediately. The security review explanation makes total sense too. Thanks for updating us with the resolution!
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Daniela Rossi
•This is exactly the kind of thread I wish I had found when I was going through my direct deposit change panic last fall! I was checking my account obsessively every few hours and calling the bank thinking there was an error on their end. Would have saved me so much stress knowing that 5 business days is totally normal. Really appreciate everyone sharing their experiences here - it's so helpful to know you're not alone when dealing with these unemployment system quirks!
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