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Thanks everyone for the responses. Sounds like I should expect the payment on Wednesday then. I've learned my lesson about certifying earlier! I appreciate all the help and information.
You're welcome! This is such a common issue - I made the same mistake when I first started collecting. Setting a Sunday morning reminder has been a lifesaver for me. Hope your payment comes through Wednesday without any other hiccups!
I've been there too - it's so frustrating when you realize you missed the cutoff! Just to add to what others have said, I've found that if you certify after 7:30pm on Sunday, your payment usually hits your account early Wednesday morning (like 2-4am). I bank with Chase and it's been pretty consistent. Also, if you're really tight on money and need to know for sure about timing, you can check your payment history in the NYSDOL portal - it usually shows the processing date which helps you predict when it'll actually hit your account. Hang in there!
That's really helpful info about the early morning timing! I bank with TD Bank so hopefully it'll be similar. I'll definitely check my payment history in the portal too - didn't know that showed processing dates. Thanks for the tip about setting up reminders, I'm going to do that right now so this doesn't happen again!
Also remember you need to register with the NYS Department of Labor career center and potentially participate in reemployment services if selected. They might require you to attend workshops or meetings as part of maintaining your benefits.
One thing that's not mentioned yet - if you have gaps in employment like you mentioned, make sure those gaps don't affect your base period calculations. The NYS Department of Labor looks at specific quarters for wage calculations, so even if you had some unemployment periods, you might still qualify if you earned enough in the qualifying quarters. Also, if you don't meet the regular base period requirements, they can sometimes use an alternate base period (the last 4 completed quarters) which might work better for your situation. It's worth applying even if you're unsure - they'll calculate everything for you and let you know if you qualify.
This is really good advice about the base period calculations! I was worried about my gaps in employment but it sounds like the alternate base period might help. Emma, do you know if there's a way to find out which base period would work better for me before I apply, or do I just have to apply and see what they calculate? I want to make sure I'm applying at the right time to maximize my benefits.
Just to add - when you file your initial claim, there's a section where you can indicate you're only seeking part-time work. This is important for people receiving Social Security who might not want full-time employment. The NYS Department of Labor will adjust your work search requirements accordingly, but you still need to show you're actively looking for work within your availability.
I went through this exact same situation last year when I turned 66 and got laid off from my job at a local pharmacy. I was so worried about how it would all work together, but I can confirm that you absolutely CAN collect both Social Security retirement benefits and NYS unemployment benefits at the same time. When I filed my weekly certifications, I did NOT have to report my Social Security payments as income - they're treated completely separately. The key thing is just making sure you're genuinely available for work and doing your required job searches. Since you're looking for part-time work like I was, make sure to specify that when you file so they don't expect you to apply for full-time positions. Good luck with your claim!
Thank you so much for sharing your personal experience! It's really helpful to hear from someone who actually went through this exact situation. I was getting stressed about all the conflicting information I was hearing from different people. Your confirmation that you didn't have to report Social Security on your weekly certifications is exactly what I needed to know. I'll make sure to specify part-time work availability when I file my claim. Really appreciate you taking the time to explain how it worked for you!
I certify on whatever day I remember and my bank always gets the deposit on Friday, no matter what. I think it might depend on your bank too.
who do you bank with? mine always takes forever with bofa
I use a credit union, they process ACH stuff faster than big banks usually
Don't stress about it! I've certified on Monday plenty of times and it's really not a big deal. Your payment will just be delayed by a couple days - so instead of getting it Tuesday, expect it Wednesday or Thursday. The NY unemployment system processes certifications in batches, with Sunday being the main batch and later ones getting picked up in subsequent processing cycles. As long as you don't certify after Monday, you won't miss the entire week's payment cycle. Set a phone alarm for Sunday mornings going forward - I learned that trick after missing it a few times myself!
Edward McBride
The NYS Department of Labor system is such a nightmare to deal with. I filed immediately when I got laid off but still had issues for weeks because of some random adjudication hold. They don't tell you what's wrong, they don't return calls, it's absolutely ridiculous. But yeah definitely file right away because delaying it just makes everything worse.
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Dylan Campbell
Just to echo what everyone else is saying - absolutely file today! I was in your exact situation about 6 months ago (warehouse layoff due to "restructuring") and I filed the same day I got the news. The NYS system lets you file online 24/7 at my.ny.gov and it's actually pretty straightforward. Make sure you have your last employer's info handy including their unemployment insurance account number if you have it (might be on your termination paperwork). The worst thing you can do is wait - every day you delay is potentially money lost since your benefit year starts when you file, not when you lost your job. You've got this!
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