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I went through this exact situation last month! Changed my direct deposit on a Tuesday and my payment was supposed to hit that Friday. The payment still went to my old account as expected, but here's the key thing - I called the old bank immediately when it posted and explained I was closing the account due to fees. They actually waived the monthly maintenance fee for that month since I was transferring everything out right away. Might be worth a shot to call your bank and explain the situation - some of them will work with you, especially if you mention you're dealing with unemployment. Then just make the DD change after this payment clears to be safe.
That's actually a really smart approach! I never thought about calling the bank to explain the situation. Worth a try since the worst they can say is no. Thanks for sharing your experience - gives me hope that there might be a way to avoid at least some of these ridiculous fees while playing it safe with the unemployment system.
I just went through this same headache two months ago. Here's what I learned the hard way: NY unemployment processes payments about 3-5 days in advance, so if your payment is already scheduled for Wednesday, that money is basically already "in the pipeline" to your current bank. Even if you change your direct deposit info today, this week's payment will still go to your old account. The new bank info only takes effect for future payments. So you're safe to wait until Thursday to make the change - you won't lose this payment and you won't risk any delays. I know those bank fees suck (been there!) but it's better to eat one more fee than deal with the nightmare of a frozen unemployment account. Trust me on this one!
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just file online its not that complicated, i did mine in like 10 minutes and got approved
Did you have any issues with the part-time work complicating things? I'm worried they'll reject it because I'm currently employed.
@Mei Lin I was in a similar spot - working part-time while collecting partial benefits. The online application actually has a specific section where you report your part-time earnings, so they expect it. As long as you re'honest about your current work situation and your previous full-time job loss, you should be fine. The system is designed to handle underemployment cases like yours.
I went through this exact situation about 6 months ago when I got laid off from my marketing job and had to take a part-time gig at a coffee shop. The NYS Department of Labor was actually really helpful once I got through the initial application process. One thing I wish someone had told me earlier - make sure you keep detailed records of ALL your part-time earnings and hours worked each week. They'll ask for this information when you file your weekly claims, and having everything organized made the process so much smoother. Also, don't be discouraged if your first payment takes a bit longer than expected - mine took about 3 weeks, but the back pay covered everything once it came through. You definitely qualify for partial benefits given your situation!
@Malik Robinson This is super helpful advice! I m'definitely going to start keeping better records of my hours and earnings. Did you have to provide any specific documentation from your previous full-time job when you applied, or was the basic separation info enough? I m'trying to get all my paperwork together before I file.
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I'm going through this exact same situation right now and this thread is a lifesaver! Got my denial letter last week for insufficient base period wages but the system still lets me certify. I was panicking thinking I might accidentally commit fraud or something, but after reading all your experiences it sounds like this is totally normal when they're evaluating you for the alternate base period. My denial letter does mention the ABP evaluation too, so I'm going to keep certifying weekly like everyone suggests. It's so frustrating that the system doesn't make this clearer - like why can't they just send a message saying "hey, we're still reviewing your case under different criteria, keep certifying"? Anyway, thanks to everyone who shared their experiences, especially those who got approved eventually. Gives me hope that this will work out! I'll definitely keep detailed records of everything and try calling them when I get a chance, though it sounds like getting through is a nightmare.
You're absolutely right about how confusing the system is! I just went through this same situation a few months ago and it's nerve-wracking when you're not sure if you're doing the right thing. The good news is that if your denial letter mentions ABP evaluation, you're definitely supposed to keep certifying - that's not fraud at all, it's actually what they expect you to do while they review your case under the alternate base period. I totally agree they should make this clearer in their communications! One tip that helped me during the waiting period was to screenshot my certification confirmations each week and save the denial letter in multiple places. Also, if you do try calling, I had better luck calling around 2-3pm on Wednesdays rather than first thing in the morning when everyone else is trying too. The whole process is stressful but hang in there - most people I've talked to who had the ABP evaluation eventually got approved and received all their back pay. Keep doing what you're doing!
I'm a new community member and just stumbled across this thread while dealing with my own NY unemployment confusion - this has been incredibly helpful! I received a denial letter three days ago for insufficient base period wages, but like everyone else here, I can still certify weekly in the system. I was absolutely terrified I was doing something wrong and might get in trouble, but after reading through all these experiences, I feel so much better knowing this is a normal part of the process when they're evaluating you for an alternate base period. I checked my denial letter again and it does mention ABP evaluation, so I'm going to keep certifying like everyone recommends. It's amazing how much clearer this all becomes when you have real people sharing their actual experiences rather than trying to decipher the confusing official documentation. Thank you to everyone who took the time to explain their situations - you've probably saved a lot of people from making mistakes during an already stressful time!
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Just to add - make sure you have all your employment history ready when you file. You'll need dates, wages, and reason for separation for your most recent employers. Having everything organized beforehand makes the application process much smoother.
One thing to keep in mind - when you file your initial claim, you'll also need to register for work search requirements. Even though you're receiving severance, NYS Department of Labor typically requires you to be actively looking for work to maintain eligibility. Make sure you understand what counts as valid work search activities and keep records of your job search efforts from day one. The requirements can be pretty strict, so it's better to start documenting your search activities right away rather than scrambling later when your severance ends.
@StarSurfer This is really important info that I hadn't thought about! So even while I'm getting severance pay, I still need to be actively job searching and documenting it? That seems like a lot to manage on top of everything else. Do you know if there are specific requirements for how many job applications I need to submit per week, or is it more flexible than that?
Aisha Mohammed
I'm new to this community but wanted to share my recent experience since I see so many people struggling with adjudication delays. I went through this same situation about 6 months ago - filed for unemployment after being laid off from my retail job and got stuck in adjudication for almost 5 weeks. It was incredibly stressful financially, but I learned a few things that might help others here. First, definitely keep filing your weekly claims even while under review - you'll get backpay if approved. Second, try to gather any documentation you have about your layoff (termination letter, final paycheck stub showing reason, etc.) in case they ask for it. Third, be patient but persistent - I eventually got through on the phone after calling first thing in the morning on a Tuesday. The whole process is frustrating but most legitimate layoffs do get approved eventually. Wishing everyone dealing with this the best of luck!
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Zara Perez
•@Aisha Mohammed Thank you so much for sharing your experience! This is really helpful to hear from someone who actually made it through the process. The tip about calling first thing Tuesday morning is great - I ve'been trying random times and never getting through. I do have my termination paperwork that shows reduction "in force due to decreased business volume so" hopefully that will help if they need documentation. It s'reassuring to know that 5 weeks isn t'unusual and that legitimate layoffs typically do get approved. The financial stress while waiting is real but your post gives me hope that there s'light at the end of the tunnel. Really appreciate you taking the time to help newcomers like me navigate this confusing process!
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Miguel Diaz
I'm dealing with the exact same situation right now! Filed my claim 3 weeks ago after being laid off from my job at a local bookstore due to budget cuts, and it's been stuck in adjudication ever since. The waiting is absolutely nerve-wracking, especially when you're counting on those benefits to cover basic expenses. I've been calling the NYS Department of Labor daily but can never get through - just endless hold music or busy signals. It's frustrating not knowing if there's something wrong with my application or if this is just normal processing time. Reading everyone's experiences here makes me feel less alone in this situation though. Hoping we all get resolution soon!
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