I'm in a similar situation and found that the NY DOL website has a helpful earnings calculator tool that shows exactly how much your benefits will be reduced based on your part-time earnings. It's buried in their resources section but really useful for planning ahead. Also, make sure to report your gross earnings (before taxes) when filing your weekly claim, not your take-home pay - that's a common mistake that can cause issues later.

Just went through this exact scenario a few months ago! The math works out like PixelPioneer explained - at $250/week you'd keep about $384 in unemployment benefits plus your $250 earnings, so around $634 total. That's actually better than just collecting the full $420 unemployment alone. One thing to watch out for though is that you need to report your earnings for the week you actually performed the work, not when you get paid. So if you work Monday-Friday but get paid the following week, report it for the week you worked. Also keep all your pay stubs - NYS DOL sometimes does audits and you'll want documentation. The part-time work won't hurt your claim as long as you stay honest about reporting it!

Same boat here! I'm also trying to figure out how much I'd get if I lose my job. Did you end up using that calculator someone mentioned?

Just want to add that the $504 maximum weekly benefit amount mentioned earlier is correct for 2025, but keep in mind that's the gross amount before any taxes are taken out. You can choose to have federal taxes withheld (10%) and state taxes (2.5%) from your benefits, or you can receive the full amount and handle taxes when you file your return. Also, if you're making $850/week now, make sure you have enough work history - you need to have earned at least $2,600 in your base period to qualify for benefits at all.

Another thing to consider - if your hours get cut instead of being laid off completely, you might still qualify for partial unemployment benefits. The NYS Department of Labor allows you to work part-time and still collect some benefits as long as you earn less than your weekly benefit rate. So if you end up getting that estimated $250/week benefit, you could work and earn up to $249 and still get some unemployment money. Just make sure to report any earnings when you certify each week. This could be helpful if your retail job cuts your hours instead of letting you go entirely.

Just wanted to add that you should also be aware of the maximum duration for benefits in New York. You can collect unemployment for up to 26 weeks in a benefit year, but the exact number of weeks depends on how much you earned during your base period. Since you've only been working for 8 months, make sure you have enough earnings to qualify for the full 26 weeks if needed. The NYS Department of Labor will calculate this automatically when you file, but it's good to know upfront. Also, keep all your pay stubs and W-2s handy when you file - they may ask for wage verification, especially since you're a relatively new employee. Having that documentation ready can speed up the process.

even if you can't get unemployment you should definitely apply for other assistance programs like food stamps or medicaid while you look for new work

I went through something similar when my long-term home care client passed away. Even though I was paid as a 1099, I filed for unemployment anyway because my work situation really looked more like an employee relationship - I had set hours, used their supplies, couldn't work for others during my shifts, etc. The NYS Department of Labor initially denied my claim, but I appealed and provided documentation showing how controlled my work environment was. It took about 6 weeks, but they eventually approved it after reviewing the employment relationship more closely. Don't assume you're automatically disqualified - if your work arrangement had employee-like characteristics, it's worth filing and letting them make the determination.

Don't forget about the additional assessments! There's also a 0.075% assessment for the disability benefits fund that gets added on top of your UI rate. So if you're at 4.1% for UI, you're actually paying 4.175% total on that wage base.

Thanks everyone for the helpful info! As someone who's been through this process, I'd recommend also checking if you qualify for any of the new employer incentives NYS offers. Sometimes they have programs that can reduce your initial rate or provide credits. Also, make sure you register with NYS Department of Labor as soon as you hire your first employee - there are penalties for late registration. The online system for quarterly reporting isn't too bad once you get used to it, but definitely keep detailed records of all wages and hours from day one.