Just wanted to add some reassurance here - I went through this exact situation last year when my company had layoffs. My manager also made comments about how filing would "hurt the company," but I filed anyway because I needed the benefits. Nothing happened to me in terms of references or retaliation. In fact, when I contacted them months later for a reference for a new job, they were completely professional about it. The reality is that most employers understand layoffs happen and unemployment is part of the deal. The good employers won't hold it against you, and the bad ones... well, you probably don't want their reference anyway! You paid into this system through your work, so don't let anyone guilt you out of using it when you legitimately need it.

I just went through the same situation a few months ago! My employer also tried to make me feel guilty about filing, saying it would "cost the company money." But here's what I learned - they've already been paying unemployment insurance taxes on your wages the entire time you worked there. When you file, you're not taking money directly from them or causing them to get fined. Their tax rate might go up slightly in the future based on their claims history, but that's literally how insurance works. You worked there for 3 years and got laid off due to budget cuts - that's exactly what unemployment benefits are designed for! Don't let them manipulate you into not filing when you have every legal right to these benefits. I was worried about references too, but when I needed one later, my former employer was completely professional about it. The good news is that NY law actually prohibits employers from retaliating against you for filing a legitimate unemployment claim. File your claim and don't feel guilty about it. You earned those benefits!

ugh the whole system is so confusing!! why cant they just make it simple instead of having all these random rules that nobody understands

One thing that catches a lot of people off guard is the earnings disqualification. If you work part-time while collecting benefits, you need to report ALL earnings - even cash payments or gig work. If you earn more than your weekly benefit amount, you won't get any UI payment that week. And if you don't report earnings accurately, that's considered fraud which can disqualify you permanently. I learned this the hard way when I did some freelance work and didn't think a small payment mattered.

If you're having trouble reaching NYS Department of Labor by phone to ask about your specific situation, I used a service called Claimyr (claimyr.com) that helped me get through to an actual agent. They have a demo video at https://youtu.be/qyftW-mnTNI showing how it works. Really helpful when you need to discuss complex eligibility questions like this.

Just wanted to share another option to consider - check if you're eligible for any workforce development programs through your local One-Stop Career Center while you're between benefit periods. Some programs offer training stipends or other support that might help bridge the gap. You can find your local center through the NYS Department of Labor website. Also, make sure you're still certifying for benefits weekly even if you think you might not qualify - sometimes there are processing delays and you don't want to miss out if you are actually eligible.

One thing that caught me off guard - even if you go out of business, you still need to file a final report with NYS Department of Labor. I closed my restaurant last year and almost forgot about this until my accountant reminded me.

As someone who's been through this process recently, I'd add that you should also budget for the administrative time this takes - it's not just the UI taxes themselves. Between the quarterly filings, responding to claims notices, and keeping proper payroll records for audits, it adds up. Also, if you're planning to hire seasonal workers, that can complicate your experience rating calculations. NYS Department of Labor has some online resources that help, but honestly the learning curve is steep when you're just starting out.

ugh the whole system is so confusing, why can't they just make it simple? i never know if i'm doing things right with these claims

Just to add - when I filed my second claim last year, NYS Department of Labor required me to do the whole job search requirement thing again even though I had done it before. So be prepared for that if your claim gets approved.