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I'm in the same situation as many of you here - just lost my job last week and was really stressed about the health insurance gap. This thread has been incredibly helpful and reassuring! Based on everyone's experiences, it's clear that you can definitely get both unemployment and Medicaid simultaneously. I'm planning to apply for unemployment through NYS DOL this week and then submit my Medicaid application through NY State of Health right away. The advice about being honest with your UI income but not letting it discourage you from applying makes total sense - it sounds like most weekly benefit amounts keep you well under the Medicaid income thresholds. Thank you all for taking the time to share your real experiences - it makes such a difference when you're navigating this for the first time and feeling overwhelmed!
@Justin Evans I m'so glad you found this thread helpful! I was in your exact situation about 3 months ago and can confirm everything everyone has shared here - you absolutely can get both programs at the same time. The key thing that helped me was not overthinking it and just getting both applications submitted quickly. When I applied for Medicaid through NY State of Health, I estimated my unemployment income based on what I expected to receive around ($390/week and) had no issues getting approved. The online application process is really straightforward and walks you through exactly what information to include. My biggest piece of advice is don t'delay - I applied for Medicaid just 5 days after losing my job and it was approved about 2.5 weeks later, well before my employer coverage ended. Having both programs in place took so much stress off during the job search process. You re'taking all the right steps and this community support really does make a huge difference when you re'going through this transition!
I'm currently going through this exact situation right now! Lost my job two weeks ago and was really worried about the health insurance gap. I can confirm what everyone else is saying - you can absolutely get both unemployment and Medicaid at the same time. I filed for unemployment through NYS DOL first and got approved for $385/week, then applied for Medicaid through NY State of Health about a week later. Even with reporting my UI income, I was approved for full Medicaid coverage within about 3 weeks. The key is being upfront about your unemployment benefits when you apply for Medicaid, but don't let that scare you - the weekly amounts are usually low enough that you'll still qualify. My advice would be to apply for both programs ASAP rather than waiting. Having that health coverage safety net while job searching has been such a huge relief. The system really is designed to help people during these transitions!
The NYS Department of Labor website has information about this but it's buried in their FAQ section. The main thing is documenting that you're physically able to perform some type of work, even if it's not your previous job. Keep copies of all your medical reports and job applications to show you're making a good faith effort to find employment within your restrictions.
I went through this exact situation two years ago after a construction accident. The key thing to understand is that workers comp and unemployment serve different purposes - workers comp replaces wages you lost due to your injury, while unemployment helps when you're able to work but can't find suitable employment. You absolutely can collect both simultaneously as long as you're honest about your limitations and actively seeking work you can physically perform. Make sure to get a detailed work capacity evaluation from your doctor that specifies exactly what you can and cannot do. When you file your weekly certifications, be truthful about your restrictions and keep detailed records of every job you apply for. The NYS Department of Labor is actually pretty understanding about these situations once you explain your circumstances properly.
This is really comprehensive advice! I'm curious about the work capacity evaluation - did you get that from your workers comp doctor or did you need to see someone separately? My workers comp doctor has been pretty limited in what they'll put in writing about what I can do, mostly just focusing on what I can't do.
I'm a 10-month instructional aide who just went through this process this past summer and wanted to share what I learned. The most important thing I discovered is that you absolutely should apply regardless of having a contract - let NYS DOL make the determination, don't disqualify yourself. When I filed, I made sure to mention every possible uncertainty: our district was discussing class size changes, there were rumors about aide position consolidations, and funding for some programs wasn't 100% confirmed. Even though I had a signed contract, these uncertainties were enough for me to qualify. My advice: document EVERYTHING (save emails about budget discussions, get statements from supervisors about potential changes), file immediately after your last paycheck (not when your contract ends), and be very detailed in your application about any factors that could affect your position. The process took about a month, but it was worth it. Don't let the "reasonable assurance" rule discourage you from applying - it's more flexible than people think when there are legitimate employment uncertainties, even with a contract in place.
This is such valuable real-world advice, @Yara Sayegh! I'm really encouraged by your success story. As someone just starting to navigate this process, your emphasis on documenting everything resonates with me - I've already started saving emails from our district about potential budget changes and program modifications. Your point about not self-disqualifying is so important; I think many of us assume we won't qualify and don't even try. The fact that you qualified despite having a signed contract gives me hope for my own situation. I have a contract too, but there's been talk about restructuring aide positions and some uncertainty about federal funding for certain programs. Based on your experience and others shared here, it sounds like these kinds of uncertainties can make a real difference in the determination. I'm planning to file right after my last paycheck and be very thorough about documenting all the potential changes that could affect my position. Thank you for sharing such practical, encouraging advice!
I'm a 10-month teacher's aide who successfully collected unemployment last summer, and I want to emphasize what others have said about not giving up if you're initially denied. My district had given me a contract for the following year, but there were ongoing discussions about potential budget cuts and position reductions. I was denied on my first application because the adjudicator focused only on my signed contract and didn't fully consider the employment uncertainties I had documented. However, I appealed the decision and provided additional evidence: emails from administration about budget concerns, documentation showing that similar positions had been eliminated the previous year due to enrollment changes, and a letter from my supervisor acknowledging that while I had a contract, my specific assignment and hours could change based on final enrollment numbers. The appeal took about 6 weeks, but I was ultimately approved for benefits. The key was being persistent and providing comprehensive documentation that showed genuine uncertainty about my employment situation, not just the existence of a contract. For anyone in a similar position, don't let an initial denial discourage you - the appeals process exists specifically for cases like ours where the employment situation is more complex than it appears on the surface.
This is exactly what I needed to hear, @Raj Gupta! Your appeal success story is incredibly encouraging, especially since it sounds like we're in very similar situations. I have a signed contract but there's been so much uncertainty around our district - they've been discussing potential aide position consolidations and there are questions about funding for some of the programs I work in. I was worried that having a contract would automatically disqualify me, but your experience shows that the appeals process can work when you have legitimate employment uncertainties. I love that you kept emails from administration about budget concerns - I've been doing the same thing after reading advice from others here. Your point about being persistent is really important too. It sounds like the initial adjudicators might not always fully consider the complexities of school employment situations, but the appeals process allows for a more thorough review. I'm definitely going to apply this summer and if I get denied initially, I won't give up. Thank you for sharing such a detailed success story - it gives me confidence that the system can work for school employees when we document our situations properly!
I went through this exact situation last year - my benefits ran out after 26 weeks and I was panicking. Here's what I learned: NY doesn't have any extensions right now, so once you hit 26 weeks, that's it unless you qualify for a new claim (which requires working again and earning 10x your weekly benefit rate). What saved me was applying for multiple assistance programs BEFORE my benefits ended. I got approved for SNAP, emergency rental assistance, and utility help through HEAP. Also look into the 599 Training Program that someone mentioned - it's legit and could extend benefits while she retrains. For the job search, tell her to cast a wider net. I ended up finding work through networking on LinkedIn rather than job boards. Marketing skills translate well to account management, customer success, and business development roles. The temp agencies suggestion is solid too - I got my current permanent job through a temp placement. Don't give up hope - the market is tough but there are options to bridge the gap!
This is super helpful, thank you! I'm definitely going to tell my cousin to apply for those assistance programs right away. The 599 Training Program sounds like it could be a game changer if she qualifies. Did you find the application process for SNAP and rental assistance pretty straightforward, or was it a nightmare like dealing with unemployment?
The SNAP application was actually way easier than dealing with unemployment - you can do it online and they were pretty responsive. Rental assistance took longer (like 3-4 weeks) but once approved it covered 3 months of back rent. HEAP for utilities was the fastest, got approved in about a week. Definitely apply for all of them ASAP because there's usually a waiting period. The key is to have all your documentation ready - pay stubs, bank statements, lease agreement, etc.
Just wanted to add another resource that helped me when I was in a similar situation - the American Job Centers (One-Stop Career Centers) in NY offer free services that a lot of people don't know about. They have career counselors who can help with resume writing, interview prep, and they sometimes have job fairs with local employers. Some locations also offer short-term training programs that might help your cousin pivot into adjacent fields while she's job hunting. You can find locations on careeronestop.org. The staff there are usually pretty knowledgeable about local assistance programs too, so they might be able to point her toward resources others haven't mentioned yet.
Arjun Patel
same here! been doing mostly online apps but wasn't sure if they were good enough
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Marcelle Drum
Online applications are definitely valid! I've been filing claims for 6 months now and the NYS Department of Labor accepts any legitimate job search activity. Besides online apps through Indeed, LinkedIn, company websites, etc., you can also count things like: updating your resume on job sites, attending virtual job fairs, reaching out to recruiters on LinkedIn, or even informational interviews with people in your field. The key is documenting everything - I keep a spreadsheet with company name, position, date, and method of contact. As long as you're actively searching and can show 3 genuine attempts per week, you should be fine.
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QuantumQueen
•This is super helpful! I never thought about counting resume updates on job sites as job search activities. Does updating your LinkedIn profile also count, or does it need to be more direct contact with employers?
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