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NY unemployment claim shows 44 days left after certifying but math doesn't add up - help?

I just certified for my NY unemployment benefits and noticed something strange with my remaining days. Before certifying I had 48 days left on my claim, but after certifying it only dropped to 44 days. Shouldn't it have gone down by 5 days instead of 4? I'm confused about how many actual weeks I have left. Does anyone know how to calculate this correctly? The system shows days not weeks which is making this even more confusing.

maybe u certified late in the week? sometimes the counting gets weird if u dont do it on the right day

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I certified on Sunday like I always do. That's what makes it so confusing.

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This is actually normal. NY unemployment counts in effective days, not calendar days. Each week you claim reduces your balance by 4 effective days, not 5 or 7. Think of it as 4 effective days = 1 week of benefits. So with 44 days remaining, you have 11 weeks of benefits left (44 ÷ 4 = 11). Hope that helps!

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Thank you! That makes so much more sense now. I was thinking it was counting all 7 days of the week. So when they say I have a 26-week benefit period, that's actually 104 effective days?

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Exactly! A standard 26-week benefit period equals 104 effective days (26 × 4). The system is confusing at first, but once you understand the 4-day counting method, it gets easier to track.

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I had the EXACT same question when I first started collecting!! I was counting wrong for weeks and panicking about when my benefits would run out lol. Don't worry about it.

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The NY unemployment system is DELIBERATELY CONFUSING!!! They do this on purpose to trip people up and deny benefits. I had the same issue and when I tried calling to ask about it I couldn't even get through to anyone for THREE WEEKS. By then I had a job interview and didn't even need the answer anymore. The whole system is broken!!!

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I had the same issue getting through on the phone, but I found a service called Claimyr that got me connected to an agent in about 20 minutes. They basically call the unemployment office for you and then connect you when they reach an agent. Saved me hours of frustration. They have a video showing how it works: https://youtu.be/Rdqa1gKtxuE and their site is claimyr.com if you're still having trouble getting answers.

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wait but this is super confusingto me still. so if its 4 days = 1 week, but a week has 7 days...where do the other 3 days go?? are they just not counting weekends or something?

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It's not about calendar days. "Effective days" is just how NY unemployment measures benefits. Think of it like this: 1 effective day = 1/4 of your weekly benefit amount. So when you certify for a full week, you use 4 effective days and get your full weekly amount. It's just the accounting system they use.

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So I went through exactly this last year and actually ended up getting a very detailed explanation when I finally spoke to a tier 2 specialist. Here's how it works: NY unemployment benefits are calculated using "effective days" which is a term that goes back decades in the system. Each effective day equals 1/4 of your weekly benefit amount. When you certify for a full week, you use 4 effective days. If you work part-time during a week, they reduce the effective days based on how much you earned: - If you work 1 day, they reduce by 1 effective day (you get 3/4 of weekly benefit) - If you work 2 days, they reduce by 2 effective days (you get 1/2 of weekly benefit) - If you work 3 days, they reduce by 3 effective days (you get 1/4 of weekly benefit) - If you work 4+ days OR earn more than your benefit rate, you get 0 effective days (no payment) Your 44 days = 11 full weeks of benefits remaining.

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This explanation is super helpful, thank you! So if I were to work 1 day next week, they would only deduct 3 effective days instead of 4?

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That's correct! If you work 1 day in a week, they'll only deduct 3 effective days from your remaining balance, and you'll receive 3/4 of your weekly benefit amount for that week.

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My friend had this same problem last month and she ended up having to go to the office in person to get it sorted out. Turns out there was some kind of glitch in her account that was counting wrong. Not saying that's what's happening to you but might be worth checking into if the numbers still don't add up after what everyone else is saying.

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I think the explanation about effective days makes sense in my case, but good to know about potential glitches. How long did your friend have to wait at the office?

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Oh she was there FOREVER. Like 3.5 hours. She said next time she'd make an appointment first. But they did fix whatever was wrong.

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wait i just realized something totally different - are u on regular unemployment or some other kind? cuz the rules r different depending on which program ur in

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I'm on regular UI. Just started my claim about 8 weeks ago.

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ok then yea its the 4 day thing everyone else said

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One more thing to keep in mind - when you're getting close to the end of your benefits (like your last 2-3 weeks), make sure you start looking into whether you qualify for an extension. The process takes time and you don't want a gap in payments if you're still unemployed. Even with 11 weeks left, it's good to keep this on your radar.

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That's great advice, thanks! Do you know what the current extension options are in NY for 2025? I'm hoping to find work before then but want to be prepared.

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In 2025, NY offers Extended Benefits (EB) if the state unemployment rate is high enough to trigger it. There's also the possibility of applying for Trade Adjustment Assistance (TAA) if your job was lost due to foreign trade. Check the NY DOL website about 3-4 weeks before your benefits end for the most current information, as these programs can change.

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