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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
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!
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!
If you can't find your unemployment insurance number anywhere, you can also try creating a new my.ny.gov account using the same SSN and personal info you used originally. The system should recognize you already have a claim and link you to your existing account automatically. This happened to me when I forgot my login details - it pulled up my claim info right away without needing to remember the specific UI number.
That's really helpful to know! I didn't realize the system could automatically link you back to an existing claim like that. @AstroAce do you remember if there were any specific steps you had to take when creating the new account, or did it just automatically detect your previous claim when you entered your SSN?
Another option if you're still stuck - check if you have any screenshots on your phone from when you first applied. I always take photos of confirmation screens now because I've learned the hard way that these numbers are easy to lose! Also, if you used direct deposit for your application, your bank might have records of the NYS DOL setup process that could include your claim reference information.
Ingrid Larsson
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
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Klaus Schmidt
•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).
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Carmen Ortiz
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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