anyone else think it's crazy that in 2023 the default payment method is still these stupid debit cards instead of direct deposit? the whole system is designed to be difficult on purpose.

I went through this exact same situation about 6 months ago and it was incredibly stressful. Here's what worked for me: First, definitely call KeyBank back and use the words "financial hardship" - they have expedited replacement options they don't advertise. I got mine in 3 days instead of 2 weeks. Second, absolutely switch to direct deposit for future payments. Log into your NY.gov unemployment account and update your payment method. It takes about 1-2 payment cycles to kick in, but it's so much more reliable than these cards. For the money already on your lost card - that stays tied to the card account, so you'll still need the replacement to access it. But some people have had luck going to a KeyBank branch with ID to get emergency cash access. If you're really struggling to get through to anyone by phone (which is super common), your local state representative's office can sometimes help cut through the red tape. They have direct contacts at the unemployment office that regular people can't reach. Hang in there - the system is frustrating but there are ways to get your money. The direct deposit switch will save you from this headache in the future!

For everyone reading this thread with similar issues: If you're currently receiving NY unemployment benefits and want to avoid this situation next tax season, call NYSDOL and request both the federal Form W-4V to increase your federal withholding above 10% AND the NY State Form IT-2104-E for state tax withholding. Don't assume the default withholding will be enough, especially if you have other income sources during the same tax year.

I'm so sorry you're going through this! The same thing happened to me when I was on unemployment a few years ago. It's incredibly frustrating because they make it seem like having taxes withheld means you're all set, but that 10% federal withholding is nowhere near enough for most people. I ended up owing about $800 that I wasn't expecting at all. One thing that might help - if you can't pay everything right away, both the IRS and NY State offer payment plans that aren't too bad. The IRS lets you set up an installment agreement online, and NY has similar options. At least that way you're not hit with huge penalties while you figure out how to pay it off. It's not ideal, but it's better than ignoring it and letting the penalties pile up. Also, I learned my lesson and now always set aside extra money if I ever have to go on unemployment again. The whole system really needs to be clearer about this stuff!

Your boss probably pays more than they realize because unemployment isn't the only payroll tax. There's also workers comp, disability insurance, and other stuff. The whole system is designed to make employers think twice before laying people off unnecessarily.

This is really helpful context! I had no idea the rates could vary so much based on claims history. It makes sense why some employers get nervous about layoffs - not just the immediate impact but the long-term cost implications. Do you know if there's a way for employees to find out what rate bracket their employer falls into, or is that considered private business information? I'm curious if my company's rate is on the higher end given how my boss reacts to these situations.

just had a friend go thru this, took forever but she got approved eventually. hang in there!

I'm currently going through a very similar situation! I've been on SSDI for a back injury but my doctor cleared me for desk work and light duties. When I filed my unemployment claim with NYS Department of Labor after getting laid off, I made sure to include a letter from my doctor explaining my work capacity limitations and that I'm actively seeking employment within those restrictions. The key thing I learned is to be completely upfront about your social security benefits during the initial application and provide any medical documentation that shows you can still work. My case worker told me that partial disability cases are evaluated individually, and they mainly want to verify that you're genuinely able and available for suitable work despite your limitations. It's been about 4 weeks in adjudication for me, but I've heard back from them requesting additional documentation, which I take as a positive sign that they're seriously considering my case rather than just denying it outright.

Filing for unemployment was one of the smartest things I did when I got laid off. Even though I waited about 2 weeks myself, I still got benefits for months while job searching. The application process isn't too bad, just make sure you have your employer information and social security number ready.

Sean, I just want to echo what everyone else is saying - file TODAY! I work in HR and see this mistake all the time. People think they have to wait or that there's some complicated process, but you literally just need to go to ny.gov and start the application. The three weeks you've already lost are gone, but don't lose any more time. Also, make sure you have your last employer's information handy (company name, address, dates of employment, reason for separation) and your Social Security number. The system will walk you through everything step by step. You've got this!