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I've been dealing with NYS Department of Labor for months and their payment timing is so inconsistent! Sometimes I get paid the day after the pay date, sometimes it takes three days. The whole system is a mess honestly.
I had similar issues trying to get clear answers about payment timing from NYS Department of Labor directly. Spent hours on hold trying to reach someone. Actually found this service called Claimyr (claimyr.com) that helps you get through to unemployment agents faster. They have a video demo at https://youtu.be/qyftW-mnTNI that shows how it works. Might be worth checking out if you need to talk to someone about payment issues.
I'm also new to unemployment and was wondering the same thing! From what I've experienced so far, the benefit pay date is definitely when they process it on their end, not when you actually get it. I've noticed that if the pay date falls on a weekend, it usually gets pushed to the next business day. One thing that helped me was setting up text alerts through my bank so I know right away when the deposit hits. Also make sure your direct deposit info is correct in your account - I had a friend who had delays because there was a typo in their routing number.
THE WHOLE SYSTEM IS RIGGED!!! Companies will say ANYTHING to avoid paying claims even though they've been paying unemployment taxes for years. It's not like the money comes directly out of their pocket at that point - it's already been paid to the state. But they still fight every single claim because it affects their experience rating and future tax rates.
I went through something similar last year. The key thing to understand is that your employer's obligation to pay unemployment taxes is completely separate from whether your specific claim gets approved. If they've been in business and meet the basic requirements (which sounds like they do), they've been paying quarterly unemployment taxes all along - that money is already in the system. What they're probably disputing is the reason for your separation, not their tax obligations. Document everything about your layoff and be patient with the adjudication process. NYS Department of Labor will investigate both sides and make a determination based on the facts.
Pro tip: if you use the card for grocery shopping, always choose 'credit' instead of 'debit' when they ask. Some stores charge extra fees for debit transactions but credit is usually free. Also works at gas stations.
Just want to add that Walmart Money Centers usually have free ATM access for KeyBank unemployment cards too. I've been using the one near me for months with no fees. Also, if you're ever in a pinch and need cash fast, some banks will let you do a counter withdrawal with ID even if you're not their customer - they might charge like $5-10 but it's better than those crazy bodega ATM fees you mentioned. And yes, online purchases work fine, I pay all my bills online with mine.
Thanks for mentioning Walmart Money Centers! I had no idea they were free for these cards. There's actually a Walmart SuperCenter about 10 minutes from my apartment so that could be really convenient. Quick question - do I need to go to the actual Money Center counter or can I just use any ATM inside Walmart? I want to make sure I don't accidentally use a fee-charging machine.
your gonna need to call them directly to get the right info for your situation. theres to many variables
Use claimyr.com - worked for me after trying to call for 2 weeks straight
Been in the exact same boat - benefit year ended last month and I hadn't worked during unemployment either. Unfortunately @AstroAce is right, you won't qualify for a new claim without recent wages. I had to pivot quickly to job searching and looking into other assistance programs. The transition period is tough but there are some resources out there. Check with local workforce development centers too, they sometimes have emergency assistance programs. Hang in there! 💪
Zoe Papadakis
I'm going through the exact same nightmare right now! Lost my wallet in a recent move and they're asking for all these documents I don't have. Reading through these comments is giving me hope though - sounds like they'll accept way more alternatives than they make it seem. I found my old work badge that has my photo and I think I can get my landlord to email me something official with my address. For SSN I'm going to try requesting my tax transcript from the IRS website like someone mentioned. The key seems to be uploading SOMETHING and then calling to explain (even if you have to use one of those callback services people keep mentioning). Thanks everyone for sharing your experiences - this thread is more helpful than anything on the official DOL website!
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Zara Khan
•Welcome to the club nobody wants to be in! 😅 It's crazy how many of us are dealing with the exact same situation. Your plan sounds solid - work badge for photo ID, landlord letter for address, and IRS transcript for SSN should definitely work. I went through this mess a few months ago and the biggest thing I learned is that the online portal is basically useless. It'll reject perfectly valid documents for no reason. But once you get a human on the phone who can actually look at your situation, they're usually pretty reasonable about accepting alternative docs. Good luck with everything - you've got this! 💪
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Lucas Kowalski
I'm dealing with this exact situation right now too! Just got the verification email yesterday and panicking because I also lost my wallet recently. Reading through all these responses is so helpful - I had no idea they would accept things like expired passports or work IDs with photos. I think I can piece together what I need: I have an old student ID with my photo, my lease agreement for address proof, and I'm going to try downloading that IRS tax transcript someone mentioned for my SSN. It's reassuring to know so many people have gotten through this with creative document combinations. Thanks to everyone sharing their experiences - this community is a lifesaver when the official system feels impossible to navigate!
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Clarissa Flair
•You're totally on the right track! Student ID + lease + tax transcript should definitely work. I went through this same mess about 6 months ago and that exact combo got me approved. The IRS tax transcript is clutch because it's an official government document with your full SSN on it. Just make sure when you upload everything that the photos are super clear - I had to resubmit twice because they said my pics were too blurry. And definitely try to call them after you upload to explain your situation, even if you have to use one of those callback services people keep mentioning. The human agents are way more understanding than the automated system. You got this! 🙏
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