New York Unemployment

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Just to add some clarity on the 25% rule that Liam mentioned - it's actually 25% of your weekly benefit rate OR $100, whichever is LESS. So if your weekly benefit is $400, you'd get $100 (25% of $400). But if your weekly benefit is $300, you'd only get $75 (25% of $300). After that threshold, it's dollar-for-dollar reduction. I found this out the hard way when I assumed it was always $100. Also, make sure you're reporting gross earnings before any expenses or fees that Uber takes out - NYS Department of Labor wants the total amount you earned, not what you actually received after their cuts.

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Thanks for that clarification! I was definitely confused about the 25% rule. So just to make sure I understand - if my weekly benefit is $380, then 25% would be $95, so I could earn up to $95 without any reduction to my benefits? And after that it's dollar for dollar? Also good to know about reporting the gross amount before Uber's fees - I would have probably reported just what hit my bank account.

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One thing I haven't seen mentioned yet is that you should also keep track of your vehicle expenses if you're driving for Uber Eats - gas, wear and tear, etc. While you still have to report the gross earnings to NYS Department of Labor, you can deduct those business expenses when you file your taxes next year since you'll be getting a 1099 from Uber. It won't help with your weekly unemployment calculation, but it'll save you money at tax time. Also, definitely download a mileage tracking app like MileIQ or Stride - the IRS standard mileage deduction is pretty generous for delivery drivers and can add up to significant savings.

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This is really helpful advice about tracking expenses and mileage! I hadn't thought about the tax implications yet. Just to clarify though - even though I can deduct business expenses on my taxes, I still have to report the full gross amount to NYS Department of Labor each week, right? So if I earn $150 from Uber Eats but spent $30 on gas, I report the full $150 on my weekly certification, not $120? I want to make sure I'm doing this correctly from the start.

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Just wanted to update everyone - I finally got through using the dedicated direct deposit line that Miguel mentioned! It took some digging on the website but I found it under "Payment Services" section. The wait was only about 15 minutes which was amazing compared to what I was expecting. The agent was super helpful and knew exactly what I needed when I said I wanted to "update security question responses for direct deposit verification." They had me verify my SSN, claim number, and a few previous addresses, then walked me through resetting my mother's maiden name. The whole process took about 20 minutes and I got an email confirmation right after. My direct deposit should be working for my next payment. Thanks everyone for all the helpful advice - this community is awesome! 🙏

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That's amazing Chloe! So glad you got it sorted out quickly. This is exactly why I love this community - people actually follow up with updates and share what worked. That dedicated direct deposit line tip is pure gold 💰 I'm bookmarking this whole thread for future reference. Hopefully your next payment goes through without any issues!

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This thread has been so helpful! I'm actually dealing with a similar issue but with my security questions for regular claim certification. Based on all the advice here, I'm definitely going to try calling that dedicated direct deposit line first to see if they can help with security question updates in general. The tip about calling right when they open and having all documents ready is clutch. Thanks everyone for sharing your experiences - it's so much better getting real advice from people who've actually been through this rather than trying to navigate their confusing website! 🙌

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Yes! This whole thread has been a goldmine of info. I was feeling so overwhelmed about dealing with NYDOL before reading through everyone's experiences. The dedicated line tip alone probably saved me hours of frustration. It's crazy how much easier things become when you know the right approach and have the right phone number. Hope your security question update goes smoothly!

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The whole system is designed to make it as difficult as possible to get help when you need it most. I've been trying to figure out how to apply for more unemployment benefits for weeks and every NYS Department of Labor rep gives me different information.

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I totally feel your frustration @Ethan Taylor! The inconsistent information is the worst part. What I've learned is that you need to look at two key things: 1) Has your benefit year ended (it's exactly one year from when you first filed), and 2) Did you earn enough wages since your original claim started. If both are yes, you can file a new initial claim. The earnings requirement is usually 10 times your weekly benefit amount in covered employment. Hope this helps clarify things a bit!

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I went through this exact same situation a few months ago! After my 26 weeks ran out, I was able to file a new claim because I had worked enough during my benefit year. The key thing to know is that NY looks at your wages earned AFTER your original claim start date. I had to wait until my full benefit year ended (365 days from my first claim) before I could apply for the new claim. When I finally did apply through my.ny.gov, it took about 2-3 weeks to get approved. Just make sure you have all your employment records ready from any work you did during your previous claim period, even if it was part-time or temporary work.

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@Omar Fawaz this is really helpful! So just to clarify - you had to wait the full 365 days from your original claim date before you could file the new claim? I m'worried about the gap in benefits during that waiting period. Did you have any income support during the time between when your first claim exhausted and when you could file the new one?

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Welcome to the community @Caleb Stark! This thread really has become the unofficial NYSDOL direct deposit troubleshooting bible. I love seeing how everyone's individual struggles turned into this comprehensive solution guide. One small tip I'd add to your 10pm attempt tonight - after you successfully update your info in incognito mode, take a screenshot of the confirmation page like @Malik Davis suggested. I learned this the hard way when I had to prove to an agent that I had actually made the change correctly. Also, don't be discouraged if the first attempt doesn't work - sometimes it takes 2-3 tries even with all the right conditions. The system truly is that finicky! Looking forward to hearing your success story tomorrow. Good luck tonight!

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Thanks for the warm welcome @Jamal Wilson! I really appreciate the screenshot tip - that's such a practical detail that could save major headaches down the road. It's reassuring to know that even with all these workarounds, it might still take a few attempts. Better to set realistic expectations than get frustrated if the first try doesn't work. This whole thread has been a masterclass in community support - everyone building on each other's experiences to create something way more useful than any official guide. I'm definitely going to pay it forward and update everyone on how tonight goes. Fingers crossed the incognito + off-hours combo does the trick! Will report back tomorrow with hopefully another success story to add to this amazing collection of solutions.

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As someone who just went through this nightmare process last month, I can confirm that this thread is absolutely the most comprehensive guide available anywhere! I tried literally everything mentioned here and what finally worked for me was the incognito browser method combined with trying around 11:30pm on a weeknight. The key insight that saved me was realizing that even though I could see the "Update Payment Method" option during the day, the actual form submission would fail until I tried during true off-peak hours. Also want to emphasize what @Carmen Ortiz mentioned about the 7-10 day verification period - my first payment came as a paper check exactly 8 days after I updated my info, which would have freaked me out if I hadn't read about it here first. One additional tip: if you're using a credit union like I am, make sure you're using the correct routing number for direct deposits (not wire transfers) - they're sometimes different and the system will reject wire routing numbers. This community has basically created the definitive troubleshooting manual that NYSDOL should have provided from day one. Huge thanks to everyone who shared their experiences!

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This is such valuable information about credit union routing numbers! I never would have thought about the difference between direct deposit and wire transfer routing numbers - that could definitely trip people up. Your timeline of 8 days for the paper check is also really helpful data for setting expectations. It's incredible how this thread has evolved from one person's frustration into this comprehensive troubleshooting resource. Between timing strategies, browser workarounds, account status checks, and now banking nuances like routing number types, we've basically documented every possible pitfall and solution. @Morita Montoya thanks for adding that credit union detail - I bet that will save someone else from hours of confusion! This community really is amazing at turning individual struggles into collective wisdom that helps everyone.

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As someone who went through this recently, I can confirm what others have said about the 26-week limit and notifications. What I found really helpful was setting up a simple spreadsheet to track my weeks - just the date I filed each claim and a running count. That way I knew exactly where I stood without having to dig through the NYS Department of Labor website every time. Also, don't wait until the last minute to start preparing for when benefits end - I wish I had started looking into other resources and assistance programs earlier in the process rather than scrambling at week 24!

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That's really smart advice about tracking weeks in a spreadsheet! I'm definitely going to set that up. You're absolutely right about not waiting until the last minute - I'm at around week 20 now so I should probably start researching what other assistance programs might be available. Did you find any particular resources that were helpful when your benefits were ending?

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I went through this exact same anxiety when I was approaching my benefit limit last year. The NYS Department of Labor does send notifications, but I found it really helpful to also call the automated phone system (1-888-209-8124) where you can check your remaining benefit balance 24/7 without waiting on hold. Just have your PIN ready. The automated system will tell you exactly how many weeks and dollars you have left. I started checking this weekly once I hit week 20 just to stay on top of it. Also, start documenting all your job search activities really carefully now - if you do qualify for any extensions or need to appeal anything later, having detailed records of your job search efforts is super important.

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This is exactly the kind of practical advice I needed! I had no idea about that automated phone line - that's going to save me so much stress instead of trying to navigate the website constantly. I'm definitely going to start calling weekly to check my balance. And you're so right about documenting job search activities more carefully. I've been kind of casual about keeping records but I can see how that could really matter later. Thanks for sharing what worked for you!

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