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honestly i never thought about any of this until i got laid off from my retail job. turns out unemployment really does help you focus on finding something better instead of just grabbing whatever minimum wage job you can find immediately. gave me time to do some online training and eventually got a better paying position than what i had before
The purpose is also to protect workers from being exploited. If there was no unemployment insurance, employers could treat workers terribly knowing that people would be desperate to keep any job rather than risk having no income at all. Having that safety net gives workers more bargaining power and helps maintain better working conditions across the economy.
One thing to keep in mind is the monetary requirements - you need to have earned enough wages during your base period to qualify for benefits. For 2025, you generally need at least $2,600 in one quarter of your base period AND total base period wages of at least 1.5 times your highest quarter. If you don't meet the regular base period requirements, they might be able to use an alternate base period that includes more recent wages.
Don't forget you'll also need to be able to prove you're actively looking for work once you start collecting. The NYS Department of Labor requires you to make at least 3 job contacts per week and keep a record of your job search activities. They can ask to see your job search log at any time, so start keeping track from day one!
If you're having trouble getting through to NYS Department of Labor to clarify this stuff, I found this service called Claimyr that actually gets you connected to a real agent. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. I used it when I was confused about my partial payments and got answers right away instead of being on hold forever. Check out claimyr.com - way easier than trying to call the regular number.
The whole partial credit system is actually pretty fair once you understand it. I've been working 2 days a week at my old job while collecting unemployment and it helps me stay afloat while I look for full-time work. Just keep track of all your earnings and report them accurately on your weekly certification.
unemployment is good because otherwise people would riot when the economy crashes lol. also gives companies more flexibility to lay people off during slow periods without completely screwing over workers
Lauren Johnson
Whatever you do, DON'T put anything about quitting or resignation even if you felt pressured to leave. Stick with the layoff terminology your company used. I made that mistake on my first claim years ago and it created a whole mess with adjudication.
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Jade Santiago
omg this whole system is so confusing! why can't they just make it simple and ask 'did you get fired or laid off' lol. but seriously good luck with your claim, hope it goes through quickly
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