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Small businesses get hit the hardest by unemployment costs. We had to lay off 3 people during COVID and our unemployment insurance rates went through the roof. It's like being punished twice - first you lose revenue and have to cut staff, then you pay higher taxes for years because of those layoffs. The NYS Department of Labor doesn't care that you had no choice.
The whole system is so backwards! Why can't they just show you exactly how they calculated it instead of making us guess? I had to call three times before someone could explain why my benefits were lower than expected.
Also remember that your total benefit amount is 26 times your weekly rate, so that's the maximum you can collect during your benefit year. And you have to meet the work search requirements - 3 contacts per week unless you're on standby with your employer.
Been there with the ski resort thing! Getting through to NYS Department of Labor on the phone to ask about seasonal eligibility was impossible last year - kept getting busy signals or hung up on. Finally used a service called Claimyr (claimyr.com) that connected me directly to an agent. There's even a video demo showing how it works: https://youtu.be/qyftW-mnTNI. Made it so much easier to get my questions answered about standby status.
The NYS unemployment system is such a joke for seasonal workers. They make you jump through hoops proving you're looking for work when everyone knows you're just waiting for your seasonal job to start back up. But yeah technically you can collect if you meet the wage requirements.
The whole system is so confusing!! I've been trying to understand my benefit calculation for weeks and every time I call NYS Department of Labor I get different answers. One agent told me my rate was final, another said it could change during my review. I'm so stressed about whether I'm getting the right amount or if I'll have to pay something back later.
Carmen Flores
just echoing what others said about emergency fund being most important... unemployment benefits help but they're not gonna replace your full salary
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Andre Dubois
One thing nobody mentioned - if your company offers severance packages during layoffs, that can be a huge buffer too. Sometimes they'll give you a few weeks or even months of pay. But make sure you understand how that affects your unemployment claim timing with NYS Department of Labor because there are rules about when you can start collecting if you get severance.
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Nia Davis
•Good point about severance! I'll have to check what our employee handbook says about that.
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