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Ryan Andre

Can a self employed person apply for unemployment benefits through NYS Department of Labor?

I've been running a small photography business for the past two years but work has completely dried up since the economy got tough. I'm wondering if I can file for unemployment benefits as a self-employed person? I know the rules changed during covid but I'm not sure what the current situation is with NYS Department of Labor. Has anyone who was self-employed successfully gotten UI benefits recently? I've been paying taxes on my business income so I'm hoping that counts for something.

Lauren Zeb

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Unfortunately, traditional unemployment insurance (UI) through NYS Department of Labor is only for people who were employees and had unemployment insurance taxes paid on their behalf by employers. Self-employed individuals typically don't qualify for regular UI benefits because you haven't been paying into the unemployment insurance system as an employee would.

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Ryan Andre

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That's what I was afraid of. So there's really no safety net for self-employed people at all anymore?

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The Pandemic Unemployment Assistance (PUA) program that covered self-employed people ended in September 2021. Right now there isn't a federal program specifically for self-employed unemployment. You might want to look into other assistance programs through your county or see if you qualify for any small business relief programs that are still available.

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Yeah PUA was a lifesaver but that's long gone now. It's really frustrating that self-employed people are just left hanging when business dries up.

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Anthony Young

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Wait I thought if you had some W2 income mixed with self employment you might still qualify? Like if you did some freelance work where clients sent you 1099s but also had a part time job with an employer?

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Lauren Zeb

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That's correct! If you had W2 employment in addition to self-employment, you might qualify for UI based on the W2 wages. NYS Department of Labor looks at your employment history over the past 18 months. You'd need to meet the minimum wage requirements from covered employment though.

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Ryan Andre

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I did have a part-time teaching job at a community college last year that gave me W2s. Maybe I should try applying and see what happens?

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@Ryan Andre Definitely worth applying if you had W2 income! The worst they can do is deny it. When you apply, make sure to report all your W2 wages from the past 18 months. The system will calculate if you meet the minimum earnings threshold from covered employment. Even if your photography business was your main income, those teaching wages might be enough to qualify you for at least some weekly benefit amount.

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Honestly dealing with NYS Department of Labor phone system is impossible these days. I spent weeks trying to get through to clarify my eligibility when I had mixed income. If you do decide to apply, you might want to check out claimyr.com - they have a service that helps you actually reach a real person at NYS Department of Labor. There's a video demo at https://youtu.be/qyftW-mnTNI that shows how it works. Saved me hours of sitting on hold.

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Admin_Masters

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never heard of that but honestly anything is better than the runaround you get calling the regular number

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The whole system is messed up if you ask me. Self employed people pay taxes but get no unemployment protection. Meanwhile people who worked traditional jobs get benefits. Makes no sense!

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I understand the frustration, but unemployment insurance is funded by employer contributions, not general tax revenue. Self-employed people don't pay into the UI system the same way employees do.

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Yuki Tanaka

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Ryan, definitely try applying if you had that W2 income from the community college teaching job! The key is whether you earned enough in covered wages during your base period (usually the first 4 of the last 5 quarters). Even if your photography business was your main income, those W2 wages could make you eligible. The worst they can do is deny you, but you might be surprised. Just make sure when you apply that you focus on the loss of your teaching work rather than the photography business decline, since only the W2 employment counts toward eligibility.

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Nathan Kim

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That's really helpful advice! I didn't realize I should focus on the teaching job loss rather than the photography business when applying. Do you know if there's a minimum amount you need to have earned from W2 wages to qualify? I'm trying to figure out if my part-time teaching income would have been enough to meet the threshold.

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Luca Marino

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For NYS, you generally need to have earned at least $2,600 in covered wages during your base period to qualify for UI benefits. The base period is typically the first 4 of the last 5 completed calendar quarters before you file. So if you're filing now, that would be roughly April 2024 through March 2025. You can check your wage history on the NYS Department of Labor website once you create an account. Even part-time teaching income can add up over several quarters - I'd say it's definitely worth checking your eligibility!

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Zara Malik

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For NY, you generally need to have earned at least $2,600 in covered wages during your base period, and your total base period wages need to be at least 1.5 times your highest quarter earnings. So if you made decent money from that teaching job over a few quarters, you might hit the threshold. You can actually check your wage history online through the NYS Department of Labor website before applying - that'll show you exactly what W2 wages they have on file for you.

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Lilly Curtis

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For NYS, you generally need to have earned at least $2,600 in covered wages during your base period, and your total base period wages need to be at least 1.5 times your highest quarter earnings. So if you made decent money from that teaching job over multiple quarters, you might hit the threshold. The exact calculation can get complicated though - NYS DOL has a benefit calculator on their website that can give you a better idea of whether your W2 wages would qualify you.

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Jacinda Yu

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For NYS unemployment, you typically need to have earned at least $2,600 in covered wages during your base period, with wages in at least two quarters. The base period is usually the first four of the last five completed calendar quarters before you file. So if you're filing now, they'd look at your W2 earnings from roughly early 2023 through late 2023. Even part-time teaching could meet this if you taught multiple semesters. You can check your wage history online through the NYS Department of Labor website before applying to see if you meet the minimum requirements.

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For NYS, you generally need to have earned at least $2,600 in covered wages during your base period to qualify for unemployment benefits. The base period is typically the first four of the last five completed calendar quarters before you file your claim. So if your part-time teaching brought in at least that much over those quarters, you should meet the minimum threshold. You can check your wage history on the NYS Department of Labor website to see exactly what you earned in covered employment.

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Amara Nnamani

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For New York, you generally need to have earned at least $2,600 in covered wages during your base period to qualify for unemployment benefits. The base period is typically the first 4 of the last 5 completed calendar quarters before you file your claim. So if you're filing now, they'd look at your W2 wages from roughly early 2023 through early 2024. Even part-time teaching could potentially meet this threshold if you taught multiple semesters. You can check your exact wage history by logging into your NY.gov account or calling the DOL to verify your covered wages before applying.

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PixelPioneer

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For NYS unemployment, you generally need to have earned at least $2,600 in covered wages during your base period, with wages in at least two quarters. The base period is typically the first four of the last five completed calendar quarters before you file. So if your part-time teaching brought in a few thousand over the course of the year, you might actually qualify! You can check the NYS DOL website for the exact wage requirements, but it's definitely worth applying if you think you're close to that threshold.

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Abby Marshall

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For New York State, you typically need to have earned at least $2,600 in covered wages during your base period to qualify for unemployment benefits. The base period is usually the first four of the last five completed calendar quarters before you file your claim. So if you're filing now, they'd look at your W2 earnings from roughly early 2023 through late 2024. Even part-time teaching could meet this threshold if you taught multiple semesters. You can check your exact wage history by creating an account on the NYS DOL website before applying.

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