


Ask the community...
I'm in a similar situation right now - just had my claim authorized yesterday! Reading through everyone's experiences here is really helpful. It sounds like 2-3 business days is pretty standard for direct deposit, which gives me hope. I'm also dealing with the rent stress, so I totally understand that anxiety of waiting for the money to actually show up. One thing I learned from a friend who went through this is to screenshot the authorization notice in case you need to show your landlord proof that payment is coming. Most landlords are understanding about unemployment delays if you can show documentation. Thanks everyone for sharing your timelines - it really helps to know what to expect! 🙏
That's such a smart idea about screenshotting the authorization notice! I wish I had thought of that - would have made the conversation with my landlord much easier. It's really comforting to know I'm not the only one going through this stress right now. The waiting game is brutal when you have bills due! Hopefully we both get our payments quickly. Keep us posted on how long yours takes - it'll help others who are in the same boat. Good luck! 🤞
Hey everyone! I'm new to this community but went through the exact same thing about 2 months ago. My authorization came through on a Tuesday morning around 10 AM, and I had the money in my account by Thursday around 2 PM - so about 2.5 business days with direct deposit through Chase. The first payment was definitely nerve-wracking to wait for! One thing that helped me was calling my bank to make sure there weren't any holds on large deposits (some banks will hold unemployment payments for 24-48 hours if it's your first one). Also, if you're really cutting it close with rent, many utility companies and landlords have hardship programs right now - it's worth asking about a short extension while you wait. The system has gotten much more reliable this year compared to the horror stories from 2020-2021. Hang in there, you're so close! 🙏
Welcome to the community! That's really helpful info about calling the bank to check for holds - I never would have thought of that. 2.5 business days sounds pretty reasonable. I'm curious, did you get any notification from NY DOL when the payment was actually sent out, or did you just have to keep checking your bank account? Also, thanks for mentioning the hardship programs - it's good to know there are options if things get really tight with timing.
Thanks for the warm welcome! I did get an email notification when the payment was sent, but it came like 6 hours after it had already hit my account, so it wasn't super helpful for tracking purposes. The online portal was more reliable - it updated to show "payment issued" status about 2-3 hours before I actually saw it in my bank. Definitely recommend calling your bank about holds though - my friend had Chase put a 2-day hold on her first unemployment payment and she had no idea until she called to ask why it wasn't showing as available funds even though it was "deposited." The hardship programs saved me when I was between jobs - most companies would rather work with you than deal with collections later. You've got this! 💪
Wait, so if I document everything and quit for good cause, do I still have to do job searches while my claim is being reviewed? Or does that start after approval?
You need to start job searching immediately when you file your claim, even during adjudication. The job search requirement is 3 activities per week and you need to keep detailed records. Don't wait for approval to start looking - that could hurt your case.
The whole quarterly system is designed to screw workers over if you ask me. Why should some arbitrary calendar quarters determine your benefits instead of just looking at your most recent work history? Makes no sense.
The base period calculation definitely seems confusing at first! One thing that helped me understand it was thinking of it like this: NYS Department of Labor needs time to process all the wage data from employers before they can use it for benefit calculations. That's why they skip the most recent quarter - the wage reports might not be complete yet. Also, don't worry too much about gaps between jobs - what matters is having enough earnings in at least 2 quarters of your base period. If you worked steadily for 18 months, you should be in good shape. You can always call or check online to see what quarters and earnings they have on file for you before filing your claim.
That's a really helpful way to think about it! I never considered that they need time to process the wage data. That makes the timing make more sense. Is there a way to check what earnings they have on file before filing, or do you have to wait until you actually submit the claim? I'm worried there might be some missing quarters from when I switched jobs.
Good luck with your appeal! Just wanted to add that you should also check if you have any email confirmations from when you submitted those weekly certifications online. I had a similar situation and those confirmation emails really helped prove I had reported everything correctly. Also, if you used direct deposit for your unemployment benefits, your bank statements showing the deposits can help establish the timeline of when you were claiming benefits versus when you were working. The more documentation you have, the stronger your case will be.
That's really good advice about the email confirmations! I hadn't thought about those but I probably do have them buried in my inbox somewhere. The bank statement idea is smart too - it would show exactly when I was getting benefits and help prove the timeline. I'm feeling more confident about this appeal now that I know what kind of evidence to gather. Really appreciate everyone sharing their experiences here.
I went through something similar last year and what really saved me was keeping detailed records during the appeal process. Make sure to request a hearing if your initial written appeal gets denied - I've seen cases where people win at the hearing level even after losing the paper review. Also, if you do end up owing something, NYS DOL is usually willing to work with you on payment plans that are way more manageable than wage garnishment. They'd rather get paid something regularly than deal with the paperwork of garnishing wages. The key is to stay in communication with them rather than ignoring their letters.
Logan Chiang
Pro tip: Set a reminder on your phone for the weekly certification. Miss one week and you're in for a world of hurt trying to backdate claims. Trust me on this one!
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Isla Fischer
•This! 💯 I missed one week and it was a nightmare to fix. Sunday morning certifications are my new religion now lol
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Paolo Longo
Just went through this exact situation a few months ago! File the claim on your spouse's actual last day of work, not when severance ends. NY DOL will ask about the severance and any other payments - be completely transparent about it all. The system is designed to handle this stuff, so don't stress too much about the timing. Also, keep all your severance paperwork handy because they might ask for it later. The hardest part is just getting started, so don't overthink it! You got this! 💪
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Benjamin Kim
•Thanks so much for sharing your experience! It's really reassuring to hear from someone who just went through this. Quick question - did they hold up your benefits at all while you were receiving severance, or did they start right away after the waiting week?
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