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I can confirm what others are saying - the Wednesday timeline is pretty accurate in my experience. I've been collecting for about 6 weeks now and as long as I certify by Sunday evening, the money hits my Chase account every Wednesday morning between 5-7am. One thing that really helped me was setting up account alerts so I get a text the moment the deposit comes through. That way I know exactly when I can pay rent and other bills without having to constantly check my balance. The NYS system might be clunky but at least the payment timing has been reliable for me.
That's smart about setting up the account alerts! I never thought of that but it would definitely help with planning. Chase seems to process things pretty quickly - I'm with a smaller credit union so I'm hoping they're just as reliable. Did you have any issues during your first few weeks or has it been smooth sailing from the start?
I've been getting my NYS unemployment payments for about 4 months now and can definitely confirm the Wednesday morning timeline. Usually hits my account between 3-6am on Wednesday if I certify by Sunday night. One tip that helped me - if you're worried about timing for rent, most landlords will accept a screenshot of your pending deposit or certification confirmation as proof that payment is coming. My landlord was understanding when I explained the NYS Department of Labor payment schedule. Also, if you have a good relationship with your bank, some will show pending ACH deposits a day early so you might see it Tuesday night. Just don't spend it until it actually clears!
This is really helpful info about the Wednesday timeline! I'm just starting out with unemployment benefits and the uncertainty about payment timing has been stressing me out. The tip about showing landlords the certification confirmation is brilliant - I never would have thought to ask about that. Do you know if the NYS Department of Labor sends any kind of email confirmation when they actually process the payment, or do you just have to wait and see when it hits your account?
Don't stress too much about having exact tip amounts memorized! When you file with NYS Department of Labor, they'll pull your wage records directly from what your employer reported to the state each quarter. This includes both your hourly wages and the tips that were reported through payroll. You'll mainly need to provide basic information about your employment dates and reason for separation. However, it's still good to keep any pay stubs or tip records you have handy in case there are any discrepancies or if they need additional verification. The system is designed to work with the information employers are already required to report, so you shouldn't have to reconstruct everything from memory.
That's exactly what I was hoping to hear! I was getting anxious thinking I'd need to dig through months of receipts and tip tracking. It makes sense that the employers are already reporting this stuff to the state. I'm going to start my application today - thanks for breaking this down so clearly. It's really reassuring to know the system is set up to work with what's already been reported rather than expecting us to have perfect records of everything.
I went through this exact situation a few months ago when my restaurant laid off half the staff before the holidays. You're absolutely eligible for unemployment benefits as a server in NY! The misinformation about restaurant workers not qualifying is unfortunately pretty common. Your employer has been paying unemployment taxes on your behalf, and both your hourly wages AND reported tips count toward your benefit calculation. I'd recommend filing your claim online as soon as possible - the NYS Department of Labor website walks you through everything step by step. One thing that helped me was having my last few pay stubs ready when I applied, just to reference employment dates and my employer's information. Don't let anyone discourage you from applying - you've earned these benefits through your work!
This is so encouraging to hear from someone who just went through the same thing! I was really worried about the whole process, but it sounds like it's more straightforward than I thought. Quick question - when you filed online, did you run into any technical issues with the NYS Department of Labor website? I've heard mixed things about how user-friendly it is. Also, how long did it take from when you submitted your application until you got your first payment? I'm trying to budget and plan ahead since I'm not sure how long my savings will last.
honestly the whole unemployment tax system is confusing AF. why can't they just make it simple and tell you straight up if you need to pay or not instead of all these weird exceptions and thresholds
Just went through this exact situation with my business last month! As an LLC with employees, you're definitely required to register for unemployment insurance if you meet the wage threshold. The key thing to remember is that it's not just about number of employees - if you pay $300+ in wages in any calendar quarter, you need to register within 10 days of meeting that threshold. Don't wait like I did! I had to pay some back taxes because I thought I had more time to figure it out. The registration process itself isn't too bad once you get started, but definitely don't delay if you think you might already be over that $300 quarterly limit.
Update: Just finished filing my new claim! The process was straightforward once I had all my information ready. One tip - they ask for exact dates of employment so make sure you have that info handy. My claim is now showing as pending and I should hear back within a few days about approval. Thanks everyone for the help!
Great to hear you got your claim filed successfully! Just wanted to add for anyone else reading this - if you're filing a new claim after your previous one expired, make sure to keep documentation of your job search activities from day one. Even while your claim is pending, NYS Department of Labor expects you to be actively looking for work. I learned this the hard way when they asked for my job search records retroactively during my eligibility review. Also, if you worked in multiple states during your base period, you might need to file an interstate claim which has different requirements.
This is really helpful advice about keeping job search records from the start! I'm curious about the interstate claim situation - how do you know if you need to file an interstate claim versus a regular one? Is it based on where you worked most recently or where you earned the most wages during the base period?
Emily Thompson
I'm going through the exact same thing right now! Filed my claim 3 weeks ago and still showing $0 weekly benefit amount even though I worked steadily for 18 months before getting laid off. I submitted the wage investigation request through my.ny.gov like others suggested but haven't heard anything back yet. The waiting is so stressful when you have bills to pay. Has anyone had success calling the wage investigation unit directly, or do you just have to wait for them to contact your employer?
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Charity Cohan
•I'm in the same boat as you and Maya - filed about the same time and still waiting on my wage investigation. From what I've read, there isn't a direct number for the wage investigation unit that actually gets answered. The regular NYS DOL phone lines just tell you to wait for them to process it. I've been keeping detailed records of all my paystubs and W-2 forms just in case they need additional documentation. The uncertainty is really tough when you're counting on this money!
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Jessica Nguyen
I went through this exact situation last year and it was incredibly frustrating. What helped me was gathering all my documentation beforehand - W-2s, final paystubs, and any employment verification letters. When I finally got through to someone at NYS DOL after filing the wage investigation, they were able to process it faster because I had everything ready. Also, make sure to check if your employer went through any ownership changes or used a payroll company - sometimes wages get reported under different employer identification numbers which can cause this $0 issue. The backpay once it's resolved makes the wait somewhat worth it, but I know that doesn't help with immediate bills. Hang in there!
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Sofia Perez
•That's really helpful advice about gathering all the documentation upfront! I hadn't thought about the employer ID number issue - my company did switch payroll providers about 6 months before I got laid off. Could that be causing the problem with my wages not showing up? I have all my paystubs from both before and after the switch, so hopefully that will help when they investigate. Thanks for sharing your experience - it gives me hope that this will eventually get resolved even though the waiting is brutal right now.
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