New York Unemployment

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also make sure you understand the difference between your weekly benefit amount and your maximum benefit amount, those are two totally different things that confuse everyone

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Just to add to what others have said - your $320 weekly benefit amount is indeed the gross amount before taxes. If you opted for federal tax withholding (which is 10%), you'd receive $288 per week. New York state doesn't have income tax on unemployment benefits, so you only need to worry about federal taxes. Also keep in mind that this $320 is what you get for a full week of unemployment - if you work any hours during a week, NYS Department of Labor has a partial benefit formula that will reduce your payment based on your earnings that week.

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This is super helpful, thank you! I didn't realize New York doesn't tax unemployment benefits at the state level. So if I understand correctly, the only tax I need to worry about is the optional 10% federal withholding? And just to confirm - if I work a few hours one week, they'll calculate how much to reduce my $320 based on what I earned that week, right? I want to make sure I report any work correctly so I don't run into issues later.

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I had the exact same issue with the identity verification! What finally worked for me was using a different device entirely - I was trying on my phone and kept getting errors, but when I switched to my laptop it went through immediately. Also make sure you're using the most recent version of your browser. The NYS DOL system seems really finicky about browser compatibility for identity verification uploads.

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That's a great point about switching devices! I've been trying on my phone this whole time. Going to try my laptop tonight and see if that helps with the identity verification. Did you have to re-upload all your documents from scratch when you switched devices, or did the system save your progress?

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I've been dealing with identity verification issues too and found a few things that helped. First, make sure your documents are saved at high resolution - the system sometimes rejects blurry or low-quality images even if they look fine to you. Second, try uploading one document at a time rather than all at once. I kept getting timeouts when trying to upload multiple files together. Also, if you're still getting the "error processing request" message, try logging out completely, clearing your cookies, and logging back in. Sometimes the session gets corrupted and a fresh login fixes the upload issues. Hope this helps!

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How long does it take to receive first NYS unemployment payment after effective days start decreasing? ($421 weekly benefit, waiting period processed 11/14)

Just filed my first unemployment claim with New York State. My weekly benefit amount is $421.00 according to my portal. My Start/Effective Date is 11/04/2024 with a Benefit Year Ending Date of 11/09/2025. The system shows I have a Maximum Amount Payable of $10,946.00 with 104 Effective Days Remaining. I already completed my unpaid waiting period (which was processed on 11/14/2024) and certified for my first week ending 11/10/2024. When I check the portal, I can see my effective days going down, but no money has been deposited yet. According to the system information: "Each day in a week (Monday through Sunday) that you qualify for benefits is called an effective day. There is a maximum of 4 effective days each week, and you must qualify for all 4 effective days in order to receive your total weekly benefit rate. For each day in the week that you are not eligible to receive benefits, you will receive one less effective day, which is equivalent to one fourth of your weekly benefit rate." It also says: "Once your claim becomes payable, you may see fewer effective days remaining. This means you are being paid for those days and will soon see this change reflected via the funds in your bank account or debit card." My portal mentions that "If three days have passed since a payment was released and the funds are not in your account, you should contact the Way2Go Program Customer Service line at (844) 649-9845 if you have a debit card." Anyone know typically how long it takes to get the first payment? Since I'm seeing my effective days decreasing, does that mean the payment is already being processed? This is my first time filing, so I'm not familiar with the timeline.

does anyone know if holidays affect the payment schedule??

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yea if u certify before a holiday it usually takes an extra day

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Been through this exact same situation last year! Since your effective days are decreasing, that's actually a good sign - it means NYS has processed your certification and released the payment. With direct deposit, you should see it hit your account within 1-2 business days from when those days started going down. The $421 weekly benefit is pretty solid btw. Just keep an eye on your payment history section in the portal - once it shows "paid" status you know it's on the way to your bank. If nothing shows up by Wednesday I'd definitely call or try that claimyr service people mentioned.

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Just report everything honestly on your weekly claim and you'll be fine. The system is designed to handle partial unemployment situations. Better to over-report than under-report!

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I went through this exact situation a few months ago! The key thing is to report your part-time work on your weekly certification - you'll enter your gross wages and hours worked. The system will automatically calculate your partial benefit amount. Don't worry about calling them unless you have specific questions - the online form handles partial unemployment calculations pretty well. Just make sure you report the work for the week you actually performed it, not when you got paid. You're doing the right thing by being proactive about this!

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This is super helpful! I was getting confused about the timing - so if I worked Monday through Wednesday this week, I report those hours on this week's claim even if I won't get paid until next Friday? And do you know roughly what the earnings threshold is before you lose all benefits? I'm making about $300/week at 20 hours so I'm hoping I can still get something.

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I appreciate everyone's explanations but this whole conversation is kind of wild. We've designed an economic system that requires people to be unemployed and struggling, and then we make the process of getting help as difficult as possible through agencies like NYS Department of Labor. Something feels fundamentally broken about that.

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I hear you on that frustration - it does feel broken when you're in the middle of it. The gap between economic theory and lived experience is huge. Maybe the real issue isn't that we need unemployment, but that we need better systems to support people during those transitions? Like faster claim processing, better job training programs, or even universal basic income experiments. The current NYS Department of Labor system definitely makes a difficult situation worse with all the bureaucratic hurdles.

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Coming from someone who's been through the NYS Department of Labor system twice in the past three years, I think there's also a practical angle here that doesn't get discussed enough. The economists' "natural rate" theory assumes that unemployment systems actually work efficiently to help people transition between jobs. But when you're stuck waiting 8 weeks for a determination, or spending entire days trying to reach someone by phone, that "frictional unemployment" becomes a lot more friction than it should be. Maybe the real problem isn't that we need 3-5% unemployment, but that we need unemployment systems that actually facilitate quick, smooth transitions instead of creating additional barriers. The theory works better when the safety net actually functions.

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This is such a good point about the gap between theory and reality. I'm new to this whole unemployment process (just filed my first claim last week) and I'm already seeing what you mean about the system creating unnecessary friction. The online portal keeps glitching, the phone lines are impossible, and I still don't fully understand half the requirements they're asking for. If the economic theory is that some unemployment helps people find better job matches, shouldn't the system be designed to actually help with that matching process instead of making everything ten times harder? It feels like we're getting the worst of both worlds - unemployment is supposedly "necessary" for the economy but then we make it as painful as possible for the people experiencing it.

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