NYS Department of Labor unemployment vs disability - which pays more?

You can't collect both at the same time - that's the first thing to understand. NYS Department of Labor unemployment requires you to be able and available for work, while disability benefits are for when you can't work. The payment amounts vary significantly. For unemployment, the maximum weekly benefit in NY is currently around $504, but disability through Social Security typically pays less per month than what you'd get from unemployment weekly. However, disability is longer term if approved.

been on both at different times - unemployment definitely pays more per week but you only get 26 weeks max. disability takes forever to get approved (took me 18 months) and pays way less but it can last years if your condition qualifies. really depends on whether your back injury will keep you from working long term or not

This is actually a complex decision that depends on your specific medical situation and work capacity. If you can perform any type of work, you should continue with NYS Department of Labor unemployment benefits. The key question is whether your back injury prevents you from performing substantial gainful activity. You might want to consult with a disability attorney for a proper evaluation, but generally speaking, unemployment will provide higher weekly payments in the short term.

omg im in the exact same boat! hurt my shoulder at my retail job and been getting unemployment but now wondering about disability too. the whole system is so confusing and nobody at NYS Department of Labor explains anything clearly when you call

here's the thing - if you apply for disability while getting unemployment you're basically saying two opposite things to the government. unemployment = i can work but no jobs available. disability = i cant work because of medical condition. they will find out and you could get in trouble for fraud

Whatever you do, don't stop your weekly claims with NYS Department of Labor until you're absolutely sure about disability. A bird in the hand is worth two in the bush, especially with how long disability takes to process. You're getting decent money now - $450 a week is nothing to sneeze at in this economy.

I went through something similar with a knee injury from construction work. One thing to consider is that if your back injury is getting worse, you might eventually end up unable to meet the "able and available to work" requirement for unemployment anyway. I'd suggest getting a thorough medical evaluation first - if a doctor says you can still do sedentary work or light duty, stick with unemployment since it pays better. But if they say your condition will likely worsen and prevent substantial work, then disability might be worth pursuing despite the lower payments and long wait times. Also, keep in mind that if you're denied disability initially (which happens a lot), you can appeal while potentially going back to unemployment if you're still within your benefit year.

I'm dealing with a similar back issue from my job at a fulfillment center. One thing my worker's comp attorney mentioned is that you might also want to look into whether you qualify for temporary disability benefits through your state disability insurance (SDI) - it's different from Social Security disability and can sometimes bridge the gap. The payments are usually less than unemployment but the approval process is faster than SSDI. Also, if your injury is work-related, make sure you've filed a worker's comp claim too - those benefits can sometimes run alongside other programs. The whole system is definitely confusing, but documenting everything with your doctors is key regardless of which path you choose.

I just went through this exact situation last year with a rotator cuff injury from my delivery job. Here's what I learned the hard way - New York actually does NOT have state disability insurance (SDI) like California or New Jersey. We only have the federal SSDI option which takes forever. However, you absolutely should file for worker's comp if your back injury happened at work - that's completely separate and you can potentially collect worker's comp while on unemployment in certain situations. The key is getting proper medical documentation NOW. I made the mistake of waiting too long to see specialists and it hurt both my unemployment case (when I couldn't meet work search requirements) and my eventual disability claim. Get an MRI and physical therapy evaluations ASAP. Also, keep detailed records of how your pain affects daily activities - this documentation will be crucial for any disability application later. My advice? Stick with unemployment as long as you can honestly say you're able to work some jobs, but start building your medical case now in case you need to transition to disability benefits down the road.