NYS Department of Labor unemployment benefits - what is accident sickness and unemployment cover?
I'm filling out my NYS Department of Labor unemployment application and there's a section asking about 'accident sickness and unemployment cover' - what exactly does this mean? I had a workplace injury last year that kept me out for 2 months but I'm not sure if that's what they're asking about. Do I need to report this even though it was resolved and I returned to work? The form isn't very clear about what qualifies.
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CosmicCadet
This is asking about whether you have any private insurance policies that provide benefits for accidents, sickness, or unemployment. It's separate from workers' compensation. Some employers offer these as supplemental benefits. If you had a workplace injury covered by workers' comp, that's different - you'd report that in the work history section when it asks about gaps in employment.
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Mei Chen
•Thanks! So I should mark 'no' for the accident sickness cover question since my injury was just regular workers' comp?
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Liam O'Connor
i think this is about like disability insurance or those voluntary deductions some jobs have?? i remember seeing something like this on my paystub but never paid attention to it
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Amara Adeyemi
Yes, exactly - these are voluntary insurance products that some employers offer. They're usually small deductions from your paycheck for coverage that pays out if you can't work due to accident, illness, or sometimes job loss. Common providers are AFLAC, Colonial Life, etc. NYS Department of Labor needs to know because these benefits could affect your unemployment eligibility or payment amounts. If you're not sure, check your last paystub for any voluntary insurance deductions.
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Giovanni Gallo
•Wait, does having this kind of insurance disqualify you from unemployment benefits? I have AFLAC through my job and I'm worried now.
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Amara Adeyemi
•No, it doesn't disqualify you, but NYS Department of Labor may reduce your weekly benefit amount by whatever you're receiving from the private insurance. They want to prevent you from getting more than your usual income from combining benefits.
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Fatima Al-Mazrouei
Ugh the NYS Department of Labor forms are so confusing! I spent forever trying to figure out what they wanted for this question too. I ended up calling but couldn't get through to anyone - typical. If you're having trouble reaching them by phone, I found this service called Claimyr (claimyr.com) that helped me get connected to an actual NYS Department of Labor agent. They have a video demo at https://youtu.be/qyftW-mnTNI showing how it works. Way easier than sitting on hold for hours.
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Mei Chen
•How much does something like that cost? I'm already stressed about money while waiting for my claim to process.
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Fatima Al-Mazrouei
•It's worth checking out their site for details, but honestly the peace of mind of actually talking to someone who can answer your questions properly is huge. I was going in circles trying to figure out the forms on my own.
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Dylan Wright
Just be honest on the form. If you have any kind of supplemental insurance through work that covers accidents, sickness, or unemployment, report it. If you don't have any of these coverages (most people don't), then mark no. The workers' comp situation you mentioned is totally separate and wouldn't go in this section.
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