THE SYSTEM IS DESIGNED TO SCREW US OVER! They don't tell you about these rules upfront and then penalize you for not knowing. Two months of lost benefits is thousands of dollars down the drain because NYS Department of Labor can't be bothered to make their rules clear.

Don't beat yourself up too much about waiting - a lot of people don't realize they can file right away after job loss. The important thing is you're doing it now! When you file, make sure you have all your employment info ready (dates, employer details, reason for separation) to speed up the process. Also be prepared that your first payment might take a few weeks to arrive, so if you have any emergency assistance programs in your area, might be worth looking into those while you wait for UI benefits to kick in.

Been doing this for 2 months now and haven't had any issues. Just stay consistent with your weekly claims and job searches and you'll be fine.

One thing I'd add is to make sure you're actively looking for work in your field or related fields. NYS DOL expects you to accept "suitable work" which generally means jobs that match your skills and pay at least 80% of your previous wage (after the first few weeks). Also, if you get called for an interview, you MUST go - turning down interviews without good cause can disqualify you from benefits. Keep track of all your activities in a spreadsheet or notebook with dates, company names, and what type of contact you made. It really helps to stay organized from the start rather than trying to recreate everything later if they ask for your records.

Just wanted to add that if you have the KeyBank mobile app, you can check your balance there even before you get the text notification. I've noticed the money usually shows up in the app around 4-5 AM on Wednesday, but the SMS alert doesn't come until later in the morning. This way you can check early if you need to know for sure before making any payments.

I've been getting my NYS unemployment deposits for about 6 months now and can confirm what others are saying - it's pretty reliable timing. My deposits always hit the KeyBank card between 3-6 AM on Wednesday morning. The key thing is making sure your weekly certification is completed by Monday night, then it processes Tuesday and you'll have the money Wednesday morning. If you're cutting it close for rent, I'd say you can safely count on having access to the funds by 7 AM Wednesday at the latest.

this whole system is rigged against people trying to do better. they want you to work but then make it impossible to survive while you're looking

I went through something similar when I got out 3 years ago. The key thing to understand is that you need to have "qualifying wages" from covered employment - basically jobs where your employer paid unemployment insurance taxes on your behalf. Prison work programs don't count because no UI taxes were paid. However, don't give up! There are workaround programs specifically for formerly incarcerated individuals. Contact your local American Job Center (One-Stop Career Center) - they have federal funding for reentry employment services. Also look into the Work Opportunity Tax Credit program, which gives employers incentives to hire people with criminal records. Some temp agencies specialize in helping people with records get that initial work history you need to eventually qualify for UI benefits. The system is frustrating, but there are people out there specifically trained to help navigate these barriers.

Thank you all for the helpful responses! I finally got through to someone at DOL this morning (called right when they opened and got lucky I guess). They confirmed what most of you said - my benefit year ended so I need to file a new claim, and the money showing in my Maximum Amount Payable from the old claim isn't accessible anymore. They did say I won't have to pay back the payments I received after my BYE date, which is a relief. Apparently it was an automatic extension that was processing, but I still need to file a new claim for ongoing benefits. I'm filing the new claim today and they said to keep certifying weekly without interruption. The agent estimated it would take 2-3 weeks for the new claim to process. Thanks again for all your help!

So glad you got through and got answers! This thread is super helpful for anyone dealing with the same confusion. The NY unemployment system really needs to fix that misleading "exhausted benefits" message - it should clearly state "benefit year ended" instead. For anyone else reading this who might be in a similar situation, the key takeaways seem to be: 1. BYE date matters more than remaining balance 2. Keep certifying weekly no matter what 3. File a new claim after your BYE date passes 4. Any system-authorized payments after BYE typically don't need to be repaid 5. Be prepared for 2-3 weeks processing time for new claims Thanks for updating us with the resolution! Hopefully your new claim processes smoothly.