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One more important thing - if you're doing freelance or gig work, you need to report that income in the week you performed the work, not when you got paid. This trips up a lot of people with unemployment claims.
This is such an important point that I wish the NYS Department of Labor made clearer! I made this mistake early on with some consulting work - I reported the income when I got paid two weeks later instead of when I actually did the work. Ended up having to call and straighten it out, which was a nightmare given how hard it is to reach someone. For anyone doing gig work, keep detailed records of when you actually performed the work, not just when payment hit your account.
Just want to add that if you're consistently earning close to or over your benefit amount, it might be worth considering whether to pause your unemployment claim temporarily. I had a few good weeks where I was making decent money from freelance work, and it made more sense to just not certify for those weeks rather than deal with the reduced benefits and potential complications. You can always resume your claim later as long as you're still within your benefit year. Just make sure to understand the rules about when you need to reopen vs. continue your existing claim.
That's really smart advice about pausing your claim! I didn't know you could do that. Is there a specific process for pausing it, or do you just skip certifying for those weeks? I'm worried about accidentally messing up my claim status if I don't certify when I'm supposed to. Also, do you know if there's a limit to how many weeks you can skip before it affects your eligibility?
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Yes! The money finally appeared in my new account this morning - exactly 5 business days after I made the change. Such a relief! Thanks everyone for the reassurance and advice. For anyone reading this with the same problem, just be patient - the system works, it's just slow.
Glad to hear everything worked out! This thread is super helpful for anyone going through the same stress. I'm bookmarking this in case I ever need to change my direct deposit info - now I know to expect about 5 business days and not to panic if it doesn't show up immediately. The security review explanation makes total sense too. Thanks for updating us with the resolution!
This is exactly the kind of thread I wish I had found when I was going through my direct deposit change panic last fall! I was checking my account obsessively every few hours and calling the bank thinking there was an error on their end. Would have saved me so much stress knowing that 5 business days is totally normal. Really appreciate everyone sharing their experiences here - it's so helpful to know you're not alone when dealing with these unemployment system quirks!
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wait so if im doing uber and making like $200 a week i can still get unemployment money on top of that?? that seems too good to be true
Yes, but it's not $200 on top of your full benefit amount. NYS Department of Labor subtracts 25% of your earnings from your weekly benefit, so if you normally get $300/week and earn $200, you'd get about $250 in benefits ($300 - 75% of $200 = $150 reduction).
This is really valuable information everyone! I'm in a similar boat - got furloughed from my hotel job and started doing Instacart to make ends meet. One thing I learned from my claim is that you report earnings for the week you actually did the work, not when you got paid. So if you worked Monday-Sunday but didn't get paid until the following Tuesday, you still report those earnings for the week you worked. Also, keep detailed records of your gig work hours and earnings because NYS Department of Labor might ask for documentation later. The key is total transparency - they'd rather you report everything honestly than try to figure it out later and potentially face penalties.
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The whole system is designed to give you as little as possible while making it confusing AF to understand why. They use all these complicated formulas and base periods when they could just say 'we're giving you the minimum we can get away with legally
Andre Laurent
I went through this exact situation about 8 months ago - waited almost 2 months to file because I thought I'd find something quickly. Big mistake! NY DOL was pretty firm that they don't backdate for "I didn't know I should file right away" situations. However, I did manage to get ONE extra week backdated because I had saved a screenshot of a website error I got when I first tried to file (even though I gave up and didn't try again for weeks). So if you have ANY documentation of technical issues, website crashes, or even confusing information you received, gather it all before calling. The harsh reality is that most of those 3 months are probably lost, but it's still worth that phone call with whatever documentation you can pull together. Good luck!
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Aria Washington
•Thanks for sharing your experience! That's encouraging that you at least got one week back with that screenshot. I'm kicking myself for not documenting anything when I was job searching. I probably checked the website a few times but didn't think to save any error messages or anything like that. Sounds like I should still try calling even if my chances are slim - worst they can do is say no, right?
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Admin_Masters
I'm in a similar boat - just filed my claim after waiting 2 months thinking I'd land something fast. From everything I'm reading here, it sounds like NY is pretty strict about not backdating unless you have one of those specific qualifying reasons. One thing that might help though - when you call, ask specifically about the "continuous claim" option if you had ANY interaction with their system during those 3 months. Sometimes even just creating an online account or starting an application (even if you didn't complete it) can establish an earlier effective date. Also, double-check if your employer provided any severance or continued benefits during November-December. Sometimes people don't realize they're not technically "unemployed" in the system's eyes if they received certain types of compensation. Worth a shot to call with whatever documentation you can gather, but definitely manage expectations based on what everyone else is saying here.
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Natasha Petrov
•That's a really good point about checking if I had any interaction with their system earlier! I don't think I created an account or started an application, but I should double-check my browser history to see if I visited their site at all during those months. And you're right about the severance - I did get a small severance package when I was laid off in November, so I'm wondering if that might affect things. I think it was just a lump sum though, not ongoing benefits. Should I mention that when I call, or would that actually hurt my case for backdating? Thanks for the detailed advice - gives me a few more angles to think about before I make that call!
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