Can you get NY unemployment benefits after having a baby through C-section?
I've been working at my current job for 6 months but just found out I don't qualify for paid family leave because I haven't been there long enough. I'm scheduled for a C-section in November and will need to be out for at least 6 weeks, possibly longer for recovery. Does anyone know if I can apply for unemployment during this time? Or am I completely out of luck financially while I recover? My doctor says I definitely can't return to work (I'm on my feet all day) until fully healed. Really stressing about how to pay bills during this time without any income.
46 comments
Mei Zhang
Unfortunately no, you don't qualify for unemployment in this situation. unemployment is for people who are ABLE to work but lost their job through no fault of their own. If you're medically unable to work, you don't meet the requirements. Have you looked into temporary disability insurance? That might be an option.
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Jamal Anderson
•I thought about disability but I'm pretty sure NY requires that you've paid into it for a certain period too. I'll double check tho, thanks for the suggestion.
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Liam McGuire
•yea unemployment requires you to be ready and able to accept work immediatly. You wouldn't be able to claim that after a c-section obviously.
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Amara Eze
•This is correct. I tried something similar last year and got denied so fast. They expect you to be physically able to take a job offer at any moment.
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Giovanni Ricci
After spending weeks trying to get answers about maternity benefits, I finally got through to someone at NY unemployment using this service called Claimyr (claimyr.com). It saved me hours of waiting on hold and the agent was able to confirm exactly what I qualified for. Talking to an agent got my questions answered so fast instead of guessing. Check out this video about how it works: https://youtu.be/Rdqa1gKtxuE
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NeonNomad
•does this actually work? i've been trying to get through for 2 weeks with no luck 😩
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Giovanni Ricci
•Yeah it worked for me! They call and wait on hold for you then connect you when a real person picks up. Saved me from losing my mind on hold music lol
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Fatima Al-Hashemi
•sounds like an ad... has anyone else here actually used this?
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Dylan Mitchell
•I used it last month when my claim was stuck in pending hell for 3 weeks. Got through to someone who fixed it that day. Best decision I made during this whole unemployment nightmare.
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Sofia Martinez
•hold up - another service promising to fix the unfixable unemployment system? what makes this different from all the other 'miracle solutions'? 🙄
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Giovanni Ricci
•They don't actually fix anything themselves. They just get you past the impossible phone tree and hours of hold time so you can talk to an actual agent who can help. That's it.
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Dmitry Volkov
Have you looked into applying for Medicaid? If your income will be significantly reduced during your recovery, you might qualify. They also have programs specifically for pregnant women and new mothers that have different income thresholds. Worth checking out!
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Ava Thompson
Try calling your HR department directly. Even though you don't qualify for the full PFL, sometimes companies have other short-term leave policies or accommodations they can make. My sister was in a similar situation and her company let her use sick days combined with some unpaid leave with a guarantee to hold her position.
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Jamal Anderson
•Thanks for this suggestion. I actually did speak with HR but since Im basically a new employee they said there's nothing they can offer beyond unpaid leave. They'll hold my job but that's it 😕
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CyberSiren
•this is why the system is so messed up. imagine having a literal BABY and getting no support. america is broken af 💯
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Miguel Alvarez
Ok so here's the COMPLETE breakdown of what you need to know about unemployment, disability, and childbirth in NY: First, as others have said, regular unemployment is NOT an option because you have to certify weekly that you are ABLE to work, AVAILABLE to work, and ACTIVELY seeking work. After a C-section, you clearly won't meet those requirements. Your options are: 1) NYS Disability Benefits (DB): If you've worked in NY for at least 4 consecutive weeks, you might qualify for this. It's not much (max $170/week) but better than nothing. You should apply through your employer. 2) Ask about a Disability Buy-Up program at work - some employers offer this option that you can pay into for better coverage. 3) Check if your company has any short-term disability policy, even for new employees. 4) If truly desperate, see if you qualify for emergency assistance through DSS/HRA. I went through this nightmare myself last year and eventually had to call unemployment directly to sort it all out. Save yourself the headache of trying to call them yourself and use claimyr.com - they'll wait on hold and connect you to an actual human who can look at your specific situation. Trust me, it's worth every penny when you're dealing with a newborn and trying to figure out finances. Hope this helps and congrats on your baby!
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Jamal Anderson
•Thank you so much for this detailed response! I didn't know about the 4 consecutive weeks thing for disability - that's really helpful. I'm going to check that out immediately.
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Zainab Yusuf
•This is actually super helpful. Saving this comment for when I need it in a few months!
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Connor O'Reilly
•Adding to this great info - also check with your county's Department of Social Services. Some counties have emergency assistance programs specifically for situations like this.
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Yara Khoury
My wife just went through this. You def don't qualify for unemployment but you should still be eligible for NYS disability if you worked at least 4 weeks. It's not much ($170/week max) but its something! Also look into WIC and SNAP benefits while you're out of work.
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Keisha Taylor
the system is rigged against women i swear. having a baby is basically a financial penalty in this country 🤮
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StardustSeeker
•Preach! 👏 My sister had to go back to work 2 WEEKS after giving birth because she couldn't afford not to. It's disgusting.
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Paolo Marino
•this is why we need universal healthcare and actual paid family leave like every other developed nation on earth
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Amina Bah
•not everything is about gender politics. men don't get special treatment either when they have medical issues and can't work.
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Keisha Taylor
•@profile 20 lol k. show me where men have to physically recover from pushing a human out of their body while also trying to keep their career on track and not go broke 🙄
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Oliver Becker
I was in the EXACT same boat last year! Didn't qualify for PFL but was able to get NYS disability benefits. It's not much money but it helped. You need Form DB-450 from your doctor. Submit it ASAP because there's processing time.
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Jamal Anderson
•This is extremely helpful, thank you! Did you get this form from your doctor or did you have to download it somewhere first?
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Oliver Becker
•Your OB should have the form or you can download it from the NY workers comp board website. Make sure your doctor fills it out completely or they'll deny it for missing info (happened to me the first time 🙄
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Natasha Petrova
try calling 211 - they can connect you with all kinds of resources for pregnant women and new moms. my cousin got help with bills, food, and even some baby supplies through programs they recommended.
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Javier Hernandez
Check if your hospital has a financial assistance program! Many do, and they can help reduce your medical bills which might free up some money for living expenses. Also ask about their social worker - they often know about local resources.
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Jamal Anderson
•This is a great idea I hadn't thought of. I'll definitely ask about this at my next appointment!
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Emma Davis
Anyone saying to apply for disability is correct BUT be aware that NYS disability is TERRIBLE compared to other states. Maximum benefit is only $170 per week (yes, PER WEEK, not a typo). It's basically nothing compared to your normal pay. The whole system needs an overhaul.
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LunarLegend
•$170 a week?! That wouldn't even cover my groceries, let alone rent. How is anyone supposed to survive on that??
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Malik Jackson
•It's true. I was shocked when I found out. NY looks progressive on paper but the actual benefits are a joke.
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Isabella Oliveira
•Yep, and they haven't updated that amount in like 30 years. Complete joke.
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Ravi Patel
Im a single mom who had a c-section last year. Got denied for unemployment like everyone said, but I was able to piece together help from: 1) disability ($170/wk), 2) WIC for food, 3) got on Medicaid temporarily, 4) local church helped with some bills. It was tough but I made it work.
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Jamal Anderson
•Thank you for sharing your experience. It really helps to hear from someone who's been through it. I'll definitely look into all those resources you mentioned.
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Freya Andersen
hate to be that person but why didn't you plan for this financially before getting pregnant? genuine question.
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Jamal Anderson
•I did have savings but had unexpected expenses when we had to move suddenly due to our landlord selling our building. Life happens. Plus not everyone's pregnancy is planned...
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Omar Zaki
•wow what an incredibly tone deaf comment. not everyone has the privilege to just 'plan financially' for every possible scenario. read the room.
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CosmicCrusader
•Classic victim blaming. The real question is why doesn't our society properly support new parents like every other developed nation?
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Chloe Robinson
Call your local department of social services IMMEDIATELY. When I had my C-section last year and wasn't eligible for PFL, they helped me get emergency assistance, SNAP benefits, and pointed me to other resources. Don't wait - these applications can take time to process.
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Jamal Anderson
•I'll call them tomorrow, thank you! Do you remember what documents they asked for? Just trying to be prepared.
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Chloe Robinson
•Bring ID, proof of pregnancy (letter from doctor), recent pay stubs, bank statements, rent/mortgage info, and utility bills. Basically anything that shows your income and expenses. They'll help determine what you qualify for.
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Diego Flores
i'll probably get downvoted but have you considered asking family for help? i know its not ideal but sometimes we gotta swallow our pride. my mom moved in with me for 2 months after my c-section and it was a lifesaver both financially and for recovery.
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Jamal Anderson
•Unfortunately my parents live out of state and can't leave their jobs. My partner will help but he can't take much time off either. It's just a tough situation all around.
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