Is my NY unemployment bye date 9/5 the last day I can claim benefits or when I'm completely cut off?
I'm getting really confused about my benefit year ending date. My NY unemployment profile shows my BYE date is 9/5/2025. Does this mean I can still claim on exactly 9/5 but not after? Or does it mean 9/4 is actually my last day to claim? I don't want to miss out on that last week if I'm still eligible. Also, what happens if I still have a balance in my account when the bye date hits? Does the money just disappear? Sorry if this is a dumb question but the website explanation isn't very clear.
20 comments
Aaron Boston
BYE date means Benefit Year End date, so 9/5 is the last day your claim is active. You cant claim after that day.
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Sofia Peña
•So does that mean I CAN claim on 9/5 itself, or is 9/4 my last day to actually submit a claim? I want to make sure I don't miss out on any weeks I'm entitled to.
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Sophia Carter
Your BYE (Benefit Year End) date of 9/5/2025 is the last day your current benefit year is active. You can certify for the week ending 9/5, but you won't be able to claim for any weeks after that date. If you still have a balance in your account when your benefit year ends, unfortunately that money does go back into the general unemployment insurance fund - you don't get to keep claiming until your balance reaches zero. If you're still unemployed after your BYE date, you'll need to file a new claim to continue receiving benefits. The system will evaluate your eligibility for a new benefit year based on any work you've done during your current benefit year.
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Sofia Peña
•Thank you for the clear explanation! So just to double check - the week ending 9/5 would be my final week, and I'd certify for that final week on the Sunday/Monday after 9/5, right? I want to make absolutely sure I don't miss out on claiming that last week.
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Chloe Zhang
Dont overthink it, u just cant claim AFTER the bye date. So submit for that last week b4 it hits & ur good
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Sofia Peña
•The thing is, I usually certify on Sundays for the previous week. If my BYE date is 9/5 (a Friday), would I still certify for that final week on Sunday 9/7? Or does the system lock me out completely after 9/5?
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Sophia Carter
Great question about the certification timing. The BYE date affects your eligibility period, not your certification period. So yes, you would certify on Sunday 9/7 for the week ending 9/5. The system understands this workflow and won't lock you out from claiming that final week. Just make sure you certify as soon as possible after that week ends.
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Brandon Parker
•This isn't ALWAYS true though!!! When my BYE date hit last year the system completely locked me out and I couldn't certify for my final week. Had to call like 45 times to get through to someone who manually processed my last week. The NYSDOL phone system is IMPOSSIBLE to get through!!
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Adriana Cohn
I had the same issue with getting locked out right at my BYE date last month. After wasting days trying to get through on the phone, I used Claimyr.com to connect with an agent. It got me through to a real person in about 20 minutes who was able to process my final week's payment. You can see how it works in their video demo: https://youtu.be/Rdqa1gKtxuE - it basically calls for you and holds your place in line. The agent told me this happens a lot with the system automatically locking people out at BYE dates even though you're supposed to be able to certify for that final week.
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Sofia Peña
•Thank you for the tip! I'll definitely keep this in mind if I run into problems. I'm hoping the system works as intended for me, but it's good to know there's a backup option if I get locked out when trying to claim that last week.
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Chloe Zhang
also jus so u kno - if ur still unemployed u can apply for a new claim rite after ur BYE date hits. doesnt mean ur done 4ever
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Jace Caspullo
•But don't you need to have worked and earned enough during your benefit year to qualify for a new claim? I remember reading something about needing to have earned at least 10x your weekly benefit rate during your benefit year to establish a new claim. So if the person hasn't worked at all since their original claim, they probably can't just open a new one.
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Melody Miles
To clarify about continuing benefits after your BYE date: Yes, you need to have worked during your benefit year to qualify for a new claim. Specifically, you need to have earned wages in employment equal to at least 10 times your weekly benefit rate. If you haven't worked enough during your benefit year, you won't be eligible for a new regular UI claim. However, depending on the current economic situation, there might be extension programs available. These change based on legislation, so you would need to check the NYSDOL website for current options after your benefit year ends. Regarding your original question: The safest approach is to make sure you certify for your final week (ending 9/5) as soon as the system allows on 9/7. While the system should allow this certification since it's for the period before your BYE date, some users have experienced technical issues as others have mentioned.
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Sofia Peña
•This is all very helpful information, thank you. I have worked some part-time hours during my benefit year, but I'm not sure if it's enough to qualify for a new claim. I'll double check the 10x weekly benefit rate requirement. And I'll definitely make sure to certify right away on 9/7 for that final week.
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Jace Caspullo
I had the EXACT same question last year!!! My bye date was in April 2024 and I was so confused about it. Just to add to what everyone else is saying - the certification system works on a Sunday-Saturday week. So your last week would be the week containing your BYE date. And you certify for it after that week is over. Oh and don't forget that if you DO qualify for a new benefit year, there's usually a gap week where you won't get paid. They call it a "waiting week" for the new claim. Just so you're prepared financially for that.
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Sofia Peña
•Thanks for sharing your experience! Good to know about the waiting week if I do qualify for a new claim. I'll make sure to budget for that gap.
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Brandon Parker
The whole BYE date thing is just another way the system screws people over!!! I had $2800 left in my account when my BYE date hit and they just TOOK IT BACK. That money should be MINE - I worked for YEARS and paid into the system!!! The whole thing is designed to be confusing on purpose so people miss out on benefits they deserve.
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Sophia Carter
•While I understand your frustration, unemployment insurance works on a benefit year system by design. The remaining balance isn't actually "your" money - it's the maximum amount you could potentially receive during your benefit year if you remained unemployed the entire time. If you find work earlier or reach your BYE date, the unused portion returns to the unemployment insurance trust fund to help pay benefits for others. It's similar to how health insurance works with annual maximums that reset each year. The system isn't perfect, but the year-based structure helps ensure the fund remains solvent for everyone who needs it.
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Nathaniel Mikhaylov
my cousin had this happen last month and she said if you call right before your BYE date they can sometimes extend it especially if you have balance left. not sure if thats true for everyone tho.
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Melody Miles
•This information isn't accurate. NYSDOL cannot simply extend your benefit year beyond the BYE date just because you have a remaining balance. The benefit year is fixed at 52 weeks from when you first filed your claim, as established by NY state law. What your cousin may have experienced is filing a new claim (if eligible) or being placed on an extension program if one was available. Extensions are only available under specific circumstances, usually when unemployment rates are high or during special situations authorized by state or federal legislation. It's important not to spread misinformation about this process, as it could lead to people having unrealistic expectations about their benefits.
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