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Just went through this same situation a few months ago! One thing that really helped me was setting up an account on nystateofhealth.ny.gov before I even lost my job - that way when my employer coverage ended, I could immediately start the application process. The income verification was pretty straightforward - they just needed my unemployment benefit letter from NYSDOL. I ended up qualifying for Essential Plan with a $20/month premium, which was way better than the $600+ COBRA would have cost me. Also, don't forget that dental and vision are separate - Essential Plan includes some dental but you might want to look into additional coverage if you have ongoing dental needs. The whole process took about 3 weeks from application to getting my insurance cards.
This is such great advice! I wish I had thought to set up the account beforehand. Quick question - when you say the income verification needed your unemployment benefit letter from NYSDOL, did you have to wait until you actually started receiving benefits to apply, or could you apply as soon as you got the determination letter? I'm trying to figure out the timing since there's usually a waiting period before benefits start. Also really appreciate the heads up about dental and vision being separate - I definitely have some dental work I've been putting off that I'll need to address once I get coverage sorted out.
@Sofia Morales You can actually apply as soon as you get your unemployment determination letter - you don t'have to wait for the first payment to come through! The NY State of Health application asks for your expected monthly income, so you can use the weekly benefit amount from your determination letter and multiply by 4.33 to get the monthly amount. I applied right after getting my determination and just uploaded a photo of that letter as income verification. They processed it before my first unemployment payment even arrived, so my health coverage started almost immediately. Definitely get that dental work scheduled once your coverage kicks in - Essential Plan covers a decent amount of basic dental care!
Also want to mention that if you're having trouble affording any copays or deductibles while on unemployment, many hospitals and clinics in NY have financial assistance programs. Most are required to offer charity care or payment plans based on your income level. I had to go to the ER while I was between jobs and qualified for a 90% discount on the bill just by showing my unemployment documentation. Don't avoid getting medical care if you need it - there are usually options to help with costs even if you're uninsured for a short period.
This is really important information that more people should know about! I had no idea that hospitals were required to offer financial assistance programs. When you went to the ER, did you have to apply for the discount beforehand or were you able to get it applied after the fact? I'm asking because I've been putting off seeing a doctor about some issues I've been having since losing my job, but if there are options to help with costs even without insurance, maybe I shouldn't wait. Also, do you know if urgent care centers typically have similar programs, or is it mainly just hospitals?
I'm totally new to this community and just filed my unemployment claim four days ago after getting laid off from my social media marketing role. Like literally everyone else here, I was completely freaking out when I got that RESEA notification - I spent hours googling horror stories and making myself sick with worry! But this thread has been an absolute lifesaver in calming my nerves and actually getting me prepared. The spreadsheet tracking system that everyone keeps recommending is such smart advice - I've already started organizing all my applications that way and it's making me feel so much more professional about the whole process. Reading about how the counselors are generally supportive and focused on helping rather than trying to trip you up has been such a relief. I was convinced they'd try to force me into some random retail job, but it sounds like they actually understand that different industries have different requirements and timelines. Thank you to everyone who took the time to share their real experiences - this community support has turned what felt like a nightmare into something I can actually handle! Still nervous but in a much better headspace now.
Welcome to the community, Ella! I just joined yesterday after filing my claim following a layoff from my sales coordinator position, and I'm having the exact same experience you described! I literally spent an entire evening googling RESEA horror stories and working myself into a complete panic before finding this thread. It's so validating to know I'm not the only one who had that reaction - I was starting to feel like maybe I was overreacting! But reading through everyone's detailed experiences here has completely shifted my perspective from terror to actual preparation. The spreadsheet advice really does seem to be the universal recommendation, and I love how you mentioned feeling more professional about the process - that's exactly how I felt when I started organizing my applications that way too. Your background in social media marketing sounds really interesting, and from what everyone's shared, it seems like the counselors are pretty good about understanding industry-specific needs. Thanks for adding your voice to this incredibly supportive thread - it's amazing how much peer support can help during such a stressful time!
I'm completely new to this community and just filed my unemployment claim yesterday after being unexpectedly laid off from my operations manager position. Reading through this entire thread has been absolutely incredible - I went from having severe anxiety about the RESEA appointment to actually feeling prepared and optimistic! Like so many others here, I was googling horror stories and working myself into a panic until I found this supportive discussion. The consistent advice about creating a spreadsheet to track job applications is genius - I've already started implementing that system and it's making me feel so much more organized and professional. What really stands out is how everyone emphasizes that the counselors genuinely want to help you succeed rather than just check compliance boxes. As someone transitioning from operations into potentially project management or business analysis roles, I'm actually looking forward to getting tailored career guidance about how to market my transferable skills effectively. Thank you to everyone who shared their real experiences - this peer support has been exactly what I needed during such an overwhelming time!
Welcome to the community, Jamal! I'm also brand new here - just filed my claim a couple days ago after being laid off from my administrative assistant role. Your experience is so relatable - I was doing the exact same thing, googling worst-case scenarios and making myself absolutely sick with worry before discovering this amazing thread! It's incredible how much this community has transformed what felt like a terrifying process into something manageable. I love that you mentioned feeling more organized and professional with the spreadsheet system - that's been my exact experience too. Your background in operations transitioning to project management sounds like such a natural progression with tons of transferable skills. I bet the career counselors will have excellent insights about how to position that experience effectively. Reading everyone's positive experiences here has me actually excited about the possibility of getting professional guidance rather than just dreading some bureaucratic interrogation. Thanks for adding your story - it's so comforting to know we're all going through this together and supporting each other!
The whole system is designed to make it as difficult as possible honestly. Between the weekly claims, job search requirements, and all the bureaucracy, it feels like they don't want you to actually get benefits. But you need the money so you jump through all their hoops.
I went through this same process last year when I got laid off. One thing that really helped me was setting up direct deposit right away - it makes getting your payments much faster than waiting for checks in the mail. Also, download the NY.gov mobile app if you have a smartphone. It makes filing your weekly claims way easier than trying to do it on the website every time. The app remembers your information and you can file your claim in like 2 minutes once you get the hang of it. Just make sure you file before the Sunday deadline each week or you'll miss that week's payment entirely.
I just completed my ID.me verification yesterday after reading through all these helpful comments! I was definitely nervous about it but everyone's advice really paid off. I used my laptop, did it in the early afternoon with good window light, and had both my driver's license and passport ready (though I only needed the license). The whole process took about 22 minutes - the facial recognition worked on the first try, thankfully! One small addition to all the great tips already shared: if you're using a laptop with a built-in webcam, try to position it at eye level rather than looking down at it. I propped mine up on some books which seemed to help with the angle. My account is still in the "processing" phase but I can see my claim number and basic status, so I'm hoping it'll be fully active in the next day or two. Thanks to everyone who shared their experiences - it really made a huge difference in my confidence level going into this!
Congrats on getting through it, Emily! The eye level tip for laptop webcams is brilliant - I definitely would have been looking down at mine. It's great that you can already see your claim number and status. From what others have shared, it sounds like you'll probably have full access within the next 24-48 hours. Thanks for adding that positioning tip too - these little details really help make the process smoother for everyone. Glad all the advice from this thread helped boost your confidence!
Just wanted to add my recent experience to this thread since I completed the ID.me verification process earlier this week. Like everyone else confirmed, it's absolutely mandatory now - there's no alternative option. I was pretty anxious about the whole thing after hearing mixed reviews online, but honestly it went much smoother than I expected. I followed a lot of the advice from this thread: used my desktop computer, did it around noon with natural lighting from my window, cleared my browser cache first, and had my driver's license ready. The entire process took about 16 minutes and the facial recognition worked on my first attempt. One tip I'd add is to speak clearly during the video portion - they ask you to say some numbers out loud and I made sure to enunciate. My account took about 30 hours to fully sync with the NY unemployment system, which seems pretty typical based on what others have shared. Now I can access everything through the regular NY DOL portal using my ID.me login. For anyone still hesitant about this - I totally get the privacy concerns, but the verification really is legitimate and necessary. The system has definitely helped cut down on fraudulent claims. Just take your time with it and don't stress too much!
Zoe Walker
I just want to add that if you do end up filing, don't be discouraged if the online system seems overwhelming at first. I had to file after being at my job for only 8 weeks and was really stressed about navigating the NYS DOL website. What helped me was gathering all my employment documents beforehand - pay stubs from both your current and previous jobs, your Social Security card, and any documentation about the hour cuts. Also, if you're worried about the reduced hours situation, you might want to document when the cuts started and any communication from your employer about it. The system can be frustrating but your work history from your previous 2-year job should definitely help you qualify if you need to file.
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Luis Johnson
•That's really good advice about gathering all the documentation beforehand. I'm dealing with a similar situation where my hours got cut unexpectedly, and I wish I had started keeping better records from day one. It's also worth mentioning that if anyone has trouble getting through to NYS DOL by phone (which seems to be a common issue based on what I'm reading here), you can also try calling early in the morning or later in the day when call volumes might be lower. The peace of mind knowing that your previous work history counts toward eligibility really does help reduce the stress of these uncertain situations.
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Genevieve Cavalier
I was in almost the exact same situation as you last year - started a new job and within 2 months my employer started cutting hours dramatically before eventually letting me go. The good news is that NYS unemployment eligibility is based on your work history over the entire "base period" (usually the first 4 of the last 5 completed quarters), not just your current job. Your 2 years at your previous job should definitely help you meet the monetary requirements. When I filed, I had to provide wage information from all my employers during that period. If your hours do get cut significantly, you may even qualify for partial unemployment while still employed. I'd recommend starting to document the hour reductions now - dates, original vs. reduced schedules, any written communication from your employer about the cuts. This documentation was really helpful when I filed my claim. The NYS DOL system can be frustrating to navigate, but don't let that discourage you from applying if you need to.
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NebulaKnight
•This is incredibly reassuring to hear from someone who went through the exact same situation! It's good to know that documenting everything from the start is so important. I've already started keeping track of when my hours were reduced and any emails from my supervisor about schedule changes. Your point about partial unemployment is something I hadn't really considered - that could actually be a lifeline if they keep cutting my hours instead of just letting me go outright. Thanks for sharing your experience, it really helps to know I'm not alone in dealing with this kind of workplace uncertainty.
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