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One thing to keep in mind is that when you do start receiving Social Security, you'll need to report that to NYS Department of Labor since it could affect your unemployment eligibility. Generally you can't collect unemployment if you're retired, but early Social Security might be treated differently. Worth checking with them before you file your social security application.
@Andre Dupont I went through a similar situation when I was 64! The key thing Giovanni mentioned is really important - you definitely want to check with NYS Department of Labor about continuing unemployment once you start receiving Social Security. In my case, they told me that once I filed for Social Security (even early), I was considered "retired" and no longer eligible for unemployment benefits. It didn't matter that it was early Social Security - they viewed it as retirement income. So you might need to plan for a gap period or choose one or the other, not both simultaneously. Worth double-checking this with them before you make your Social Security application!
chime worked fine for me but takes an extra day compared to my old bank account. not a huge deal unless ur literally down to your last dollar (which i have been lol). the real issue is when ny unemployment randomly decides to "review" your claim and stops payments for no reason. then u gotta spend 5 hours on hold just to talk to someone who has no idea what theyre doing 🤦♀️
I've been using Chime with NY unemployment for about 3 months now and it's been mostly smooth. The first deposit took an extra day but after that it's been consistent. One thing I'd suggest is setting up text alerts in your Chime app so you know immediately when the deposit hits. Also keep your unemployment login info handy because sometimes they'll randomly ask you to verify something and if you don't respond quick enough it can delay your payment. The key is just being proactive about checking both your Chime account and the NY unemployment portal regularly.
The whole gig economy cash advance thing is a mess when you're on unemployment anyway. Most of those apps want to see consistent income patterns and unemployment benefits just don't fit their algorithms. Plus you dont want to risk any complications with your claim over a few dollars.
Have you considered reaching out to 211 by dialing 2-1-1? They can connect you with local resources like emergency rent assistance, utility help, and food programs that might help bridge the gap between your unemployment payments. Many of these programs are specifically designed for people in temporary situations like unemployment and won't affect your NYS Department of Labor benefits at all.
Just wanted to add that you should file even if you think you might not qualify. I thought I wouldn't get benefits because I was only at my job for 6 months, but turns out my previous job counted toward my base period. NYS Department of Labor looks at earnings from the past 5 quarters to determine eligibility.
Really helpful thread! I'm in a similar situation and had no idea about the weekly claim filing requirement. One question - do I need to register with the job search system right away too? I've heard there's some kind of online portal where you have to log your job search activities. Also, is there a waiting period before benefits start, or do they begin immediately after filing? Want to make sure I budget accordingly for the transition period.
Austin Leonard
The unemployment system is completely broken and has been for years. I had the same issue. Waited 4 days and it resolved itself. if ur really nervous about it, just call them using claimyr.com and confirm everything is ok with your claim. Thats what I did and the peace of mind was worth it.
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GalacticGladiator
I'm going through the exact same thing right now! Filed my claim yesterday with a rep who said everything looked good, but I'm getting that same processing message when I try to log in. Reading through all these responses is really helpful - sounds like this is totally normal and I just need to be patient. The system seems to need a few days to sync everything up after a phone filing. Thanks everyone for sharing your experiences, definitely makes me feel less anxious about it!
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