Just be careful about ATM fees!! I got hit with like $3 charges at random ATMs before I figured out the KeyBank ones are free. There's an app that shows you where the free ones are located.

I've been using my unemployment card for about 3 months now and it works pretty much everywhere. One tip - if you need cash, CVS and Walgreens usually allow cash back up to $35 with a purchase, even when grocery stores won't. Also, make sure to keep your receipts because sometimes transactions take a day or two to show up in your balance and you don't want to accidentally overdraft.

The unemployment system is such a mess though. Like why do they make it so hard to even file a simple claim? I spent THREE HOURS on the phone just trying to get someone to explain why my claim was taking so long.

@Isabella Ferreira You're absolutely right to be concerned about protecting your credit, but everyone here is correct - unemployment won't affect it at all! One thing I'd add is to make sure you file your weekly certifications on time once you get approved. Missing those can delay payments, and THAT could indirectly impact your credit if you can't make your other payments. Also, keep detailed records of your job search activities since NY requires you to be actively looking for work. The sooner you file, the sooner you can start getting those benefits you've already earned through your work history.

The whole NYS Department of Labor system is confusing as hell. They should just tell you exactly how they calculate everything instead of making you guess. I've been on unemployment twice and both times had to figure out the benefit amount thing on my own.

I went through this exact same confusion when I first filed! The key thing to understand is that NYS unemployment benefits are calculated based on your earnings during your "base period" (usually the first 4 of the last 5 completed calendar quarters before you filed). Your weekly benefit amount is roughly 50% of your average weekly wage during that period, up to the state maximum of $504 for 2025. With your $52K salary, $350 weekly sounds about right - that would be consistent with earning around $36K during your base period. The $600 amount people mention is likely leftover confusion from the federal FPUC payments that ended years ago. You can request a detailed benefit calculation from NYS Department of Labor if you want to verify the math, but your amount seems correct based on the standard formula.

cant u sue them or something? this is literally their fault if the breach was on their end

I feel your pain! Going through the same thing right now - been 6 weeks for me and they keep saying "it's under review" with no timeline. The worst part is you can't even get regular benefits while they're investigating, so we're just stuck waiting with no income. Have you tried reaching out to your local assembly member's office? I heard they sometimes have connections that can push these cases along faster. Also make sure you have all your documentation ready (police report, ID verification, etc) because once they finally get to your case they'll want everything at once. Hang in there! 💪

Don't forget about the administrative assessment fee and other smaller fees that get tacked on! It's not just the basic UI rate. I was surprised my first year when the total was higher than what I calculated just using the 4.1% rate.

Just went through this process last year when I started my consulting firm. One thing that really helped was calling the NYS Department of Labor directly - their employer services team walked me through the rate calculation and explained how the experience rating system works. They also sent me a packet with all the current rates and fee schedules. The phone wait was long but definitely worth it for getting clarity on exactly what I'd owe each quarter.