New York Unemployment

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Adding to all the great advice here - one thing that really helped me when I went through this process was downloading the NY DOL mobile app. It makes weekly certifications SO much easier, especially if you're traveling or away from your computer. You can certify from anywhere as long as you have cell service. Also, don't panic if your first payment takes longer than expected. Mine took about 3 weeks from when I first applied, which felt like forever when I was stressed about bills. The waiting week plus processing time can make it feel really slow, but it does come through eventually. One last thing - if you have any issues with your claim (like if it gets flagged for review), don't just wait around hoping it resolves itself. Call or use one of those callback services people mentioned. I waited 6 weeks thinking my claim would automatically process, when really there was just a simple question they needed answered that took 5 minutes to resolve once I finally got through to someone. You've got this! The hardest part is just getting started, and it sounds like you're already on the right track.

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Thank you so much for mentioning the mobile app! I had no idea that existed and it sounds like it would make things way more convenient. I'm definitely going to download it right after I file my initial claim. Your point about not waiting around if there are issues really resonates with me - I can totally see myself doing exactly that and just hoping things work out on their own. It's good to know that most issues can be resolved quickly once you actually get through to someone. Three weeks for the first payment doesn't sound too bad when you put it that way. I was worried it would take months! Thanks for sharing your experience and for the encouragement. This whole thread has been incredibly helpful - I went from feeling completely lost to actually having a clear plan of what to do. You all are amazing! 🙏

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I went through this exact same situation about 6 months ago and want to echo what everyone's saying - file ASAP! Don't overthink it. The NY system is actually pretty straightforward once you get started. One thing I wish someone had told me: after you file your initial claim, you'll get a determination letter in the mail (usually within 1-2 weeks) that shows your weekly benefit amount. READ IT CAREFULLY! Mine had an error where they missed one of my previous employers, which would have reduced my benefits significantly. I caught it and was able to get it corrected before it became a bigger issue. Also, for the work search requirement - networking counts too! If you have coffee with someone in your field to discuss job opportunities, that can count as one of your three weekly activities. Just document who you met with, when, and what you discussed about potential opportunities. The whole process really isn't as scary as it seems when you're staring at that application for the first time. Take it one step at a time and you'll be fine!

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One thing I'd add is that you should apply as soon as possible after losing your job. There's a one-week waiting period in NY before you can start receiving benefits, and the longer you wait to file, the more money you're potentially leaving on the table. I made the mistake of waiting three weeks thinking I'd find something quickly, and I basically lost out on those potential benefit weeks since you can't backdate your claim very far. Also, even if you think you might not qualify for some reason, it's worth applying anyway - the worst they can do is say no, but you might be surprised.

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This is really helpful advice! I didn't realize there was a waiting period. Quick question - when you say you can't backdate claims very far, do you know exactly how far back they'll let you go? I'm worried I might have already waited too long since I got laid off about 10 days ago.

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@Freya 10 days isn't too bad! From what I remember, you can typically backdate up to 4 weeks from when you file, but they prefer you apply within the first week of unemployment. Since you're still within that window, you should be fine. Just make sure to file today if possible - the sooner the better. The key thing is being able to prove when your employment actually ended, so have your termination paperwork ready when you apply.

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One more thing to keep in mind @Jasmine - if you have any severance pay or vacation payout from your employer, that might delay when your benefits start. NYS DOL considers these as wages for the weeks they would have covered, so you can't collect unemployment during those periods. For example, if you get 2 weeks severance, your benefits won't start until after those 2 weeks are up (plus the 1-week waiting period). It's worth calculating this before you apply so you know when to expect your first payment. Also, make sure you report any severance accurately on your application - they will find out eventually and you don't want to deal with an overpayment situation later.

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@Aisha @Oliver This severance timing thing is so confusing! Does anyone know if they count severance by calendar weeks or actual work weeks? Like if I get a lump sum that's supposed to cover 3 weeks, do they spread that out over 3 calendar weeks from my last day, or do they look at it differently? I'm trying to figure out exactly when I should apply since I also got some unused vacation time paid out.

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@Mae From what I experienced, they count it by calendar weeks from your last day of work. So if you get a lump sum for 3 weeks of severance, they'll consider you "employed" for the next 3 calendar weeks regardless of how the money was paid out. Same goes for vacation payout - they look at how many days/weeks it represents, not the dollar amount. I'd recommend calling NYS DOL directly to confirm your specific situation since vacation + severance can get tricky to calculate. Better to get it right from the start!

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As someone who just started receiving unemployment benefits this week, I can't thank @Alex Wade enough for clearing up all the misinformation in this thread! I was literally about to decline a small freelance writing opportunity because I thought ANY work would completely wipe out my benefits. The hours-based system (30 hours or less + $504 or less = keep full benefits) is such a huge relief and actually makes sense for today's gig economy. It's honestly terrifying how much outdated information from the pre-2021 rules is still circulating online - I was about to make a really costly mistake based on those old day-based penalties. I'm definitely bookmarking that official DOL partial unemployment page and starting a tracking spreadsheet like others suggested. This community discussion has been absolutely invaluable for a newcomer like me trying to navigate this confusing system. Thanks to everyone who shared their real experiences and helped set the record straight!

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@Javier Cruz Welcome to the community! I m'also brand new to unemployment just (filed my first claim yesterday and) this thread has been incredibly helpful for understanding how gig work affects benefits. Like you, I was completely confused about the rules and was worried about taking on any freelance work at all. It s'such a relief to learn about the current hours-based system from @Alex Wade - being able to work up to 30 hours and earn up to $504 while keeping full benefits is way more reasonable than what I initially thought the rules were. I m definitely'going to bookmark that official DOL link and start tracking everything properly from the beginning. Thanks to everyone in this thread for sharing their experiences and helping newcomers like us understand how this actually works instead of relying on outdated information!

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As someone who literally just submitted my first unemployment claim yesterday, this entire thread has been absolutely crucial for understanding how freelance work affects benefits! I was completely panicking about a small graphic design project I was offered because I thought ANY work would eliminate my unemployment payments. Huge thanks to @Alex Wade for correcting all the outdated information with that official DOL link - the current hours-based system is such a relief! Being able to work up to 30 hours per week and earn up to $504 while keeping full unemployment benefits actually makes it feasible to take on gigs while rebuilding my career. It's honestly shocking how much misinformation from the old day-based rules (pre-2021) is still floating around online. I was literally about to turn down work I really need based on those outdated rules! I'm definitely bookmarking that partial unemployment page and starting a detailed tracking spreadsheet like others suggested. This community has been invaluable for helping newcomers like me navigate this confusing system with accurate, current information instead of outdated advice that could have cost me financially.

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@Noah Irving Welcome to the community! I m'also completely new to this just (started my unemployment journey a few days ago and) was in the exact same panic mode about freelance work. This thread has been such a lifesaver! I had no idea about the hours-based system that @Alex Wade explained - I was literally going to avoid all work opportunities because I thought it would mess up my benefits. The fact that we can work up to 30 hours and earn up to $504 while keeping full unemployment benefits is amazing and actually makes sense for people trying to get back on their feet. I m definitely'starting that tracking spreadsheet from day one like others suggested. It s wild'how much bad information is still out there from the old rules - thank goodness for this community helping newcomers like us get the real facts!

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Reading through all these responses has been incredibly reassuring! I'm 7 months into unemployment benefits after a corporate merger eliminated my role, and I was definitely falling into the trap of feeling like I needed to hide or apologize for this gap. Everyone's strategies here are brilliant - I especially love the idea of framing it as "strategic career transition" rather than unemployment. I've actually been quite productive during this time: completed a project management certification, attended virtual industry conferences, and maintained a structured networking schedule to meet the NYS DOL requirements. What I'm taking away from this thread is that confidence and framing are everything. Instead of leading with what I'm not doing (working), I should highlight what I am doing (developing skills, being selective about opportunities, conducting thorough market research). It's such a mindset shift to view this time as an investment in my career rather than a gap to be embarrassed about. Thank you all for sharing your experiences - it's clear that thoughtful, strategic job searching is actually a strength, not something to hide!

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@Amina Diop Your perspective really hits home! I m'also dealing with unemployment after a merger situation and you re'so right about the confidence and framing being everything. The way you described it as an "investment in my career rather than a gap to be embarrassed about really" resonates with me. I ve'been doing similar things - staying current with industry trends, networking, and keeping up with the DOL requirements - but I wasn t'thinking of it as strategic career development until reading this thread. It s'amazing how this community has helped shift all of our mindsets from feeling ashamed to feeling empowered about our situation. Your project management certification and conference attendance sound like exactly the kind of proactive steps that show employers you re'serious about growth. Thanks for adding your voice to this conversation!

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This thread is exactly what I needed! I'm 3 months into unemployment benefits after getting laid off from my HR coordinator position, and I've been agonizing over how to handle this gap. Reading everyone's strategies has completely changed my approach. I love how you've all reframed this as "strategic career development" - it makes so much sense! I've been treating my weekly NYS DOL requirements like a chore, but now I realize I can present my systematic job search approach as evidence of being methodical and professional about career decisions. I've also completed an HR certification and been volunteering with a local animal shelter to keep my organizational skills sharp. Instead of feeling like I'm "just" on unemployment, I'm going to start presenting this as a deliberate period of skill-building and strategic opportunity evaluation. The confidence piece everyone mentions is huge - I need to stop apologizing for something that wasn't my choice and start owning the productive choices I've made during this time. Thank you all for sharing your stories and strategies!

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@Freya Andersen Your HR background actually gives you such a unique perspective on this! As someone who s'probably been on the other side of interviews, you understand better than most that layoffs are business decisions, not personal failures. I love that you re'volunteering with the animal shelter - that shows initiative and keeps your organizational skills current while also demonstrating your values. The way you ve'reframed the DOL requirements as systematic "job search methodology is" brilliant. You re'absolutely right that we need to stop apologizing for circumstances beyond our control and start highlighting the intentional, productive choices we re'making. Your HR certification during this time is perfect evidence that you re'investing in your professional development. This whole thread has been such a confidence booster - it s'amazing how hearing from others in similar situations can completely shift our perspective from shame to empowerment!

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I just want to echo what others have said about how confusing this system is! I've been on NY unemployment for about 3 months now and honestly had no clue what the effective days meant until reading this thread. Mine is showing 48 which makes sense now (12 weeks x 4 = 48 days). But like everyone else, I was completely in the dark about whether a higher number was good or bad. It's really frustrating that NYSDOL doesn't provide any clear explanations on their website - you literally have to stumble upon community discussions like this to understand your own benefits! Thank you to everyone who shared their knowledge here, especially the unemployment counselor. This should be required reading for anyone starting a claim in NY!

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This thread has been a lifesaver for so many of us! I'm also relatively new to NY unemployment (started about 5 weeks ago) and was completely baffled by the effective days counter showing 20. Like you, I had no idea if that was good, bad, or what it even represented. It's honestly shameful that NYSDOL forces people to hunt down explanations in community forums instead of providing basic information on their own website. The stress and confusion this causes is completely unnecessary. I really hope more people find this discussion because the clarity everyone has provided here - especially from the unemployment counselor - is invaluable. It's crazy that we have to become detectives just to understand our own benefits!

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I'm brand new to this community and to NY unemployment - just filed my first claim yesterday! Reading through this entire discussion has been both incredibly helpful and pretty concerning. I had no idea what any of these numbers meant and was already getting anxious seeing "effective days: 0" on my account, wondering if that meant something was wrong. Now I understand it's just because I haven't claimed any weeks yet. It's honestly ridiculous that NYSDOL doesn't explain any of this basic stuff anywhere on their website. How are people supposed to navigate this system without stumbling onto helpful forums like this? Thank you all for sharing your experiences and especially to the unemployment counselor for the clear explanations - this thread should be pinned for all newcomers!

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