honestly the whole phone system is a joke now, they've made it nearly impossible to do anything without going online. even when you do get through they just read you the same info thats on the website

Try going to a local library if you can't get the online filing to work on your phone. Most libraries have computers you can use and the my.ny.gov portal works better on desktop browsers. That's what I did when I was having similar issues.

You can verify your payment method by logging into my.ny.gov and going to the 'Payment Method' section under your unemployment services. If you have direct deposit set up, you'll see your bank info (last 4 digits). If it shows debit card, the KeyBank card typically arrives within 7-10 business days after your first payment is issued. Make sure your mailing address is current because that's the most common reason for payment delays.

The whole NYS Department of Labor payment system is such a mess. I've been dealing with unemployment for 6 months and every step is a nightmare. First the adjudication takes forever, then they approve you but don't tell you how payments actually work. Why can't they just send a clear email explaining the next steps?

One thing to watch out for - if you quit your job instead of being laid off, you probably won't qualify. They're pretty strict about that. But since you said you were laid off due to slow business, that should be fine. Also make sure you have your employer's info handy when you apply because they'll need details about your last job.

@QuantumQueen Based on what you've described, you should definitely qualify! Working 8 months at the restaurant and being laid off (not fired for cause) checks the main boxes. The wage requirements that Aisha mentioned are pretty reasonable - if you made around $15k total, you're likely well above the minimums. I'd recommend applying sooner rather than later because there can sometimes be delays in processing, and your benefit period starts from when you first file, not when you get approved. Also, don't stress too much about the job search requirements right away - you'll get more info about that once your claim is processed. Good luck!

grocery stores like stop and shop or key food usually cash checks too, might be cheaper than banks but you gotta buy something usually

Try TD Bank or Capital One if you have one nearby - they usually cash government checks for around $5-8 even without an account. Also some pharmacies like CVS or Duane Reade have check cashing services at their customer service counters. Just make sure to bring valid photo ID and be prepared for the fee. Good luck getting your rent sorted!

The whole system is set up to deny people benefits honestly. They'll find any excuse to say you're not eligible. Being injured just gives them another reason to reject your claim.

I'm dealing with a similar situation right now - hurt my back at my retail job and was told I can do light duty work but my employer couldn't accommodate it so they terminated me. I called the NYS Department of Labor and they told me that as long as you can perform SOME type of work (even if it's different from your previous job), you can potentially qualify for UI benefits. The tricky part is you have to actively search for work that fits your medical restrictions and document those job search efforts. They also said to make sure your doctor's note is very specific about what you CAN do, not just what you can't do. Hope this helps!