Can you draw unemployment and disability at the same time in New York - NYS Department of Labor rules?
I'm really confused about whether I can collect both unemployment benefits and disability payments simultaneously in New York. I've been getting unemployment from NYS Department of Labor for about 6 weeks now, but I also have a medical condition that might qualify me for disability benefits. My doctor says I should apply for disability but I'm worried it will mess up my unemployment claim. Can you draw unemployment and disability at the same time legally? I don't want to get in trouble with NYS Department of Labor for doing something wrong. Has anyone been in this situation before?
15 comments


CosmicCowboy
Generally speaking, you cannot collect both unemployment and disability benefits at the same time in New York. The reason is that unemployment requires you to be able and available for work, while disability benefits are for when you cannot work due to a medical condition. These are contradictory requirements. If you apply for disability, you'll need to stop your weekly unemployment claims with NYS Department of Labor. However, there can be some exceptions for partial disability situations, so you should definitely speak with both agencies to understand your specific situation.
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Oliver Becker
•That makes sense about the contradictory requirements. Do you know if I have to tell NYS Department of Labor immediately if I apply for disability, or can I wait to see if the disability gets approved first?
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Natasha Orlova
i think you can get both but not the full amounts? my cousin was getting some of each but it was reduced. might be wrong though, the rules are confusing
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Javier Cruz
You need to be very careful here because this could be considered fraud if not handled properly. When you certify for your weekly unemployment benefits, you're stating that you're able and available for work. If you're applying for disability benefits, you're essentially saying the opposite. I'd recommend calling NYS Department of Labor directly to discuss your situation before making any moves. The problem is getting through to them - I've been trying to reach someone there for weeks about my own claim issues. If you're having trouble getting through, there's a service called Claimyr (claimyr.com) that can help you actually reach a live agent. They have a video demo at https://youtu.be/qyftW-mnTNI that shows how it works. Much easier than spending hours on hold.
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Oliver Becker
•Thanks for the warning about fraud - that's exactly what I'm worried about! I'll check out that Claimyr thing, getting through to NYS Department of Labor has been impossible.
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Emma Thompson
•Never heard of that service before but might be worth a try. The NYS Department of Labor phone system is absolutely terrible.
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Malik Jackson
This happened to me last year! I was on unemployment and then got diagnosed with a back injury. My lawyer told me I had to choose one or the other, couldn't do both. I ended up stopping my UI claims and going with disability instead because it was more money in my case. But you definitely need to notify NYS Department of Labor if you're going to stop claiming unemployment - don't just disappear or they might think you're working and didn't report it.
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Oliver Becker
•How long did the disability approval process take? I'm worried about having no income during the gap between stopping unemployment and getting disability approved.
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Isabella Costa
THE SYSTEM IS DESIGNED TO SCREW YOU OVER!! They make these rules so confusing on purpose. You can't get unemployment AND disability, you can't work part time without them cutting your benefits, you can't breathe without them finding a reason to deny your claim. NYS Department of Labor just wants to make it as hard as possible for people to get help. And good luck getting anyone on the phone to explain the rules properly!
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StarSurfer
yeah this is tricky. i think the key thing is that 'able and available' requirement for unemployment. if you're disabled you technically can't say you're able to work. but what if its a partial disability? like you can work some jobs but not others? seems like there should be more flexibility in the system
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CosmicCowboy
•You're right about partial disability being more complex. In some cases, if you can work certain types of jobs but not others due to restrictions, you might still qualify for unemployment while looking for suitable work. But it really depends on the specific medical restrictions and available job opportunities.
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Layla Mendes
I went through this exact situation about 8 months ago. You absolutely cannot collect both at the same time in New York - it's considered fraud because you're certifying contradictory things. When I applied for disability, I had to immediately stop certifying for unemployment benefits. The tricky part is timing - there's usually a gap between when you stop UI and when disability kicks in (if approved). My advice: 1) Don't apply for disability until you're ready to stop unemployment completely, 2) Keep documenting everything with your doctor in case disability gets denied and you need to reapply for unemployment later, 3) Consider if the disability amount would be higher than your unemployment before making the switch. I ended up having a 6-week gap with no income, so make sure you have some savings if possible. The NYS Department of Labor was actually pretty understanding when I explained the situation to them.
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Natasha Ivanova
•This is really helpful - thank you for sharing your actual experience! That 6-week gap sounds scary though. Did you have any options to speed up the disability process, or did you just have to wait it out? I'm trying to figure out if I should build up more savings before making this transition, or if there are ways to minimize the income gap.
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Brianna Schmidt
I just went through this process recently and wanted to share what I learned. You definitely cannot collect both simultaneously - it's one or the other. The key thing NYS Department of Labor looks at is that "able and available for work" certification you do every week. If you're applying for disability, you're essentially saying you can't work, which directly contradicts that certification. Here's what I'd recommend: before making any moves, calculate which benefit would give you more money and for how long. Sometimes unemployment might be better short-term while you look for work you can do with limitations, while disability might be better if your condition is expected to last a long time. Also, if you do switch to disability, make sure you understand whether it's temporary or permanent - if it's temporary, you might be able to go back to unemployment later. The most important thing is to be completely transparent with both agencies about your situation to avoid any fraud issues.
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Christopher Morgan
•This is excellent advice about calculating which benefit would be better! I hadn't thought about comparing the amounts and duration. My unemployment is only going to last a few more months anyway, so if disability would provide longer-term support, that might make more sense. Do you know if there's a way to get estimates of what the disability payments would be before actually applying, so I can do that comparison? I really want to avoid making the wrong choice here.
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