When to stop certifying for NY unemployment after getting 1099 gig work?
Hi everyone! I just landed a 1099 gig job last week and I'm confused about my NY unemployment benefits. Should I stop certifying immediately or do I need to report the income first? And if the gig ends in a few months, can I restart my claim or do I need to file a whole new application? This is my first time dealing with contractor work while on unemployment. Any advice would be super helpful! Thanks in advance.
16 comments
Sean Flanagan
You need to report any income you earn while receiving benefits, even from 1099 work. When you certify weekly, you'll report the days you worked (even partial days count as full days) and NY will calculate a partial payment if eligible. If you work 4+ days or earn more than $504 in a week, you'll receive no benefits for that week, but your claim stays open. If your gig ends within your benefit year, you can resume certifying without filing a new claim.
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Anastasia Kozlov
•Thanks for the quick response! So I should keep certifying and just report the days I worked? What counts as a 'day worked' with freelance stuff? Sometimes I only work 2-3 hours in a day.
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Zara Mirza
i gotts the same problem last month lol. they count ANY work as a full day even if its like 30 mins! super annoying but thats how it is. just be honest bout the days u worked or theyll come after u later for overpayment.
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Anastasia Kozlov
•Seriously? That seems really unfair for gig workers. So if I work 1 hour every day, I'd get no benefits at all even though I'm making way less than my regular job?
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NebulaNinja
YES! Any work at all counts as a "day worked" regardless of hours. It's the DUMBEST system ever! I had a small freelance gig last year and lost almost all my benefits because I spread the work over 5 days instead of cramming it into 2-3 days. I learned to concentrate all my work hours into fewer days to maximize my UI payments. The system is totally stacked against gig workers!
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Luca Russo
•This is correct but incomplete advice. While it's true any amount of work counts as a full day, the key is understanding the partial benefit calculation. For each day you work, your weekly benefit rate is reduced by 25%. Work 1 day, get 75% of your benefit. Work 2 days, get 50%. Work 3 days, get 25%. Work 4+ days, you get zero for that week.
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Nia Wilson
congrats on the gig! keep certifying. my brother stopped and it was a nightmare to get back on when his contract ended.
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Anastasia Kozlov
•Thank you! Did your brother have trouble getting through to someone when he needed to restart? I've heard the phone lines are impossible.
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Mateo Sanchez
I went through EXACTLY this last month. Keep certifying weekly and report your work days. Try to consolidate your work into as few days as possible (like work longer hours on fewer days). I couldn't get through to NYSDOL when my contract ended and needed clarification. I finally used Claimyr.com to get through to an agent without waiting for hours. They have a demo video at https://youtu.be/Rdqa1gKtxuE showing how it works. It was the only way I could get an agent to help restart my full benefits. They explained everything and fixed an issue with my account too.
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Anastasia Kozlov
•Thanks for the tip. I'll definitely reorganize my work schedule to fewer days. I checked out that video - looks helpful if I need to reach someone. Did they give you any trouble about restarting after your contract ended?
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Aisha Mahmood
just fyi they check 1099 income with the IRS so dont lie about how much u make or ull be in big trouble. my uncles friend got caught and had to pay back like 8000 dollars plus penalties
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NebulaNinja
•THIS!!! The Department of Labor actively looks for fraud and they WILL catch you eventually. I know someone who didn't report side gig income correctly in 2023 and got hit with a massive overpayment notice in 2025. Always report accurately!
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Luca Russo
To summarize the correct procedure for your situation: 1. Continue certifying weekly 2. Report accurately the number of days you worked (any amount of work counts as a full day) 3. Report your gross earnings before expenses 4. If your earnings exceed $504 in a week OR you work 4+ days, you'll receive zero benefits that week 5. Your claim remains open for 52 weeks from when you first filed 6. When your gig ends, simply resume normal certification 7. If your benefit year has expired, then you would need to file a new claim Additionally, consider tax implications - unemployment benefits and 1099 income are both taxable. You may want to have taxes withheld from your UI benefits and make quarterly estimated tax payments on your 1099 income.
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Anastasia Kozlov
•Thank you so much for this clear breakdown! This is exactly what I needed. One last question - do I need to call them when my gig ends, or just start certifying normally again?
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Sean Flanagan
You don't need to call when your gig ends - just resume certifying normally. However, if you go several weeks without certifying (4+ consecutive weeks), the system may ask you additional questions when you restart. Answer honestly about why you weren't certifying (you were working) and you should be fine. Just be prepared for potential delays if the system flags your claim for review after the gap.
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Anastasia Kozlov
•Perfect! This has been so helpful. I'm going to consolidate my work hours into fewer days and keep certifying weekly. Thanks everyone for all the guidance!
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