Suddenly got NY unemployment benefits reduced by $138 - need help understanding why
My weekly NY unemployment benefit amount just dropped from $624 to $486 with no explanation. I've been receiving payments since February 2025 with no issues, then this week - BAM - smaller deposit. I logged into my account and there's nothing explaining the reduction. I've worked the same part-time job throughout and reported my earnings exactly the same way each week. Has anyone experienced something similar? Is there a limit on how many weeks you can receive the full amount before they automatically reduce it? Really stressing about this since my rent is due next week.
20 comments
Ryan Vasquez
probly hit ur benefit year end. they recalculate after 52 weeks and sometimes the amount changes. check ur benefit year on ur account page
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Sarah Ali
•Thanks, I'll check that. But I've only been on unemployment since February (about 4 months), so it's definitely not a full year yet.
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Avery Saint
This happened to me last month. There are several possible reasons for a sudden benefit reduction: 1. Did you report higher part-time earnings recently? Even if you think you reported the same, double-check your most recent certification. 2. Sometimes NYSDOL receives employer wage information that conflicts with what you reported, triggering an automatic adjustment. 3. If you're approaching your Maximum Benefit Entitlement (check this on your payment history page), they sometimes reduce weekly payments to extend your claim period. 4. There could be an offset for other debts (child support, past overpayments, etc). I recommend checking your payment history and looking for any notices in your online message center. You should also see if there's a "determination" letter explaining the change.
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Sarah Ali
•I double-checked and my part-time earnings were exactly the same as previous weeks ($217). I don't have any debts or offsets that I know of. There's nothing in my message center either. This is so frustrating!
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Taylor Chen
There's a specific threshold where they reduce benefits based on part-time earnings. If you earn more than 50% of your weekly benefit rate, they start reducing your benefits dollar-for-dollar above that threshold. So even a small increase in earnings can cause a significant drop. Also, tax withholding changes can affect your deposit amount. Did you recently change your withholding preferences?
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Sarah Ali
•No changes to withholding. And my earnings have been consistently $217 every week, which was below the threshold before. Something else must have changed on their end.
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Keith Davidson
the SAME EXACT THING happened to me last month!!! my benefit dropped by $112 with NO WARNING. I tried calling for 3 days straight and couldn't get through. When I finally did, they said there was a "recalculation" because of some employer reported different quarterly earnings. THEY NEVER TOLD ME THIS WAS HAPPENING!! so frustrating!!!
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Ezra Bates
•Did you eventually get it fixed? Or did you just have to accept the lower amount? I'm kinda in a similar situation and freaking out about paying bills.
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Keith Davidson
•had to accept it. they said the "system" made the calculation and it was "correct" even tho it made NO SENSE to me. the rep couldn't even explain it properly, just kept reading from some script!!!
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Ana Erdoğan
I spent nearly 15 years working with the unemployment system, and this sounds like what happens when there's a Base Period recalculation. Even though you've only been on unemployment for 4 months, if your claim crosses from one quarter to another, they sometimes recalculate your benefit amount based on the most recent employer wage reporting. You need to speak with an actual claims specialist who can see exactly what triggered the change. The problem is getting through to someone who actually knows what they're talking about. After struggling to get through for days, I used Claimyr (claimyr.com) to connect with a rep quickly. They have a good demo video of how it works: https://youtu.be/Rdqa1gKtxuE Once you get through, specifically ask for a "detailed explanation of the benefit rate recalculation" and request a new Monetary Determination letter. Sometimes they can reverse it if there was an error in the employer reporting.
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Sarah Ali
•Thank you, that makes sense about the quarters changing. We just entered Q3 of 2025, so maybe that triggered something. I'll definitely ask about the Monetary Determination letter. I've been trying to call but just getting busy signals and disconnects. I'll check out that Claimyr service.
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Sophia Carson
when this happened to my cousin last year she just gave up trying to figure it out and got a second part time job. sometimes the effort to fight the system takes more energy than just finding ways to make up the difference. not saying thats right just saying sometimes its the path of least resistance
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Sarah Ali
•I get that, but $138 less per week is almost $600 a month! That's a huge hit to my budget right now. I at least need to understand why it happened.
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Avery Saint
Just a heads up - if this is indeed a recalculation based on quarterly wages, you should have received a new Monetary Determination notice. These are sometimes only sent by mail, not electronically. Have you checked your physical mail recently? Also, while waiting to get through to a representative, make sure you continue certifying each week exactly as you have been, even with the reduced amount. If there was an error and you're owed back pay, they'll only pay for weeks you properly certified.
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Sarah Ali
•That's good advice about continuing to certify. I'll keep doing that. And I'll check my mail more carefully - I haven't received anything yet but maybe it's still on the way.
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Ezra Bates
Omg I'd be freaking out too!!! $138 less each week is HUGE! That's like a whole grocery bill or utility payment gone! I'm so scared this will happen to me too - I've been on UI since January and depend on every penny. Please update us when you find out what happened!!
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Taylor Chen
After reading through the thread, I'm almost certain this is a Base Period recalculation. The timing (beginning of Q3) matches exactly. Here's what likely happened: 1. Your original benefit calculation was based on your highest earning quarters in the base period (the year before you applied) 2. Now that we've entered a new quarter (Q3 2025), the system automatically recalculated using the most recent quarters 3. If your earnings were lower in some of these newer quarters, your benefit amount would decrease This is actually standard procedure for NYSDOL but they do a terrible job explaining it to claimants. You can request a review if you believe the calculation is incorrect, but you need to speak with a claims specialist who can access your wage records across all quarters.
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Sarah Ali
•That makes perfect sense. I was earning more in 2024 than I was in early 2025 before I got laid off. So as the calculation window shifts forward, it includes my lower earning periods. I hate that they don't explain this clearly anywhere. Thank you!
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Ana Erdoğan
Update us when you get this resolved! Were you able to reach someone at NYSDOL? The base period recalculation explanation sounds most likely, but it's important to confirm. Sometimes there can be multiple issues affecting your benefit amount simultaneously.
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Sarah Ali
•I finally got through this morning after using that Claimyr service (which worked really well, btw). The rep confirmed it was exactly what you all suggested - a base period recalculation due to the quarter change. Apparently my highest earning quarter from last year dropped out of the calculation window, and was replaced with a lower-earning quarter. The frustrating part is they said a notice WAS sent to my online message center, but it never showed up. The rep said that happens sometimes with automated notices and they're "working on the system issue." At least now I understand what happened. Thanks everyone for your help!
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