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Hey @Yuki Ito! I just dealt with this exact situation a few months ago. One thing that really helped me was treating the freelance work just like any other job when explaining it. I made sure to have the exact start and end dates, described my specific responsibilities clearly, and mentioned how I invoiced the client (weekly, monthly, per project, etc.). The key is being prepared with concrete details - they want to verify employment just like any W-2 job, so give them the same level of detail. Also, if you have any email correspondence with the client about the work scope or payment, keep those handy as backup documentation. The verification process went much smoother once I started approaching it that way! Hope this helps - you've got this! 💪
@Joshua Hellan This is exactly what I needed to hear! I was getting stressed about how to frame it, but you re'so right - treating it like any other job makes total sense. I ve'been overthinking it when really I just need to have my dates, responsibilities, and payment details ready to go. Thanks for the reassurance and practical advice! 🙏
I've been through this process a few times and here's what worked best for me: Be super organized before you make the call! I created a simple document with all my freelance work listed out - client name, exact dates, brief job description, and how I was paid. Also, don't forget to mention if you have any supporting documents like contracts, invoices, or email chains that show the work relationship. The agents really appreciate when you're prepared and can answer their questions quickly. One last thing - if possible, try to get a reference contact from your client beforehand in case they want to verify directly. Makes the whole process way smoother! 📝
I was in the exact same situation last year after getting laid off from my data entry job. Applied for Medicaid while collecting unemployment and got approved within 3 weeks. The key thing that helped me was gathering all my documentation beforehand - unemployment benefit determination letter, recent payment history from my.ny.gov, and bank statements showing my benefit deposits. Also want to mention that if you have any ongoing prescriptions or medical appointments coming up, mention the urgency when you apply - they can sometimes expedite cases for people with immediate medical needs. The $420 weekly you're getting should definitely qualify you, so don't stress too much about the income part.
This is really helpful advice! I hadn't thought about gathering all the documentation beforehand. Quick question - when you mention the unemployment benefit determination letter, is that the same as the initial eligibility notice they sent when I first got approved for benefits? I want to make sure I'm bringing the right paperwork when I apply.
Yes, that's exactly right! The unemployment benefit determination letter is the same as your initial eligibility notice that shows you were approved for benefits and lists your weekly benefit amount. That document is perfect for the Medicaid application because it officially shows your UI income. You can also print out your recent payment history from the Department of Labor website if you want extra documentation, but the determination letter should be sufficient. Make sure it's the most recent one if you've had any changes to your benefit amount. Good luck with your application!
Perfect, thank you! I actually just logged into my.ny.gov account and was able to download both my determination letter and payment history easily. Really appreciate everyone sharing their experiences here - it's making me feel much more confident about applying. One last thing I'm wondering about - do they usually want to see proof of the job loss too, like a termination letter from my employer, or is the unemployment documentation sufficient to show why I need coverage?
I went through this exact situation about 6 months ago when I lost my job and had to apply for both unemployment and Medicaid. The process was actually smoother than I expected - I applied online through NY State of Health and got approved within about 2 weeks. The key thing is to be honest about your unemployment income when you fill out the application. They'll verify it with NYS Department of Labor anyway, so don't try to hide it. One tip: if you have any medical appointments coming up, ask if they can wait to bill you until your Medicaid approval comes through. Many providers are understanding about this situation. Good luck!
That's really helpful to know about the 2 week approval timeline! I was worried it would take much longer. Did you have to provide any specific documentation from NYS Department of Labor when you applied, or did they just verify it on their end? I'm planning to apply this weekend and want to make sure I have everything ready.
@Grace Patel When I applied, I just had to enter the weekly benefit amount I was receiving from NYS Department of Labor - they verified everything automatically on their end. I didn t'need to upload any documents initially, though they did ask for my unemployment determination letter later in the process for final verification. Having your recent benefit payment history handy is helpful when filling out the income section. The whole thing was way less complicated than I thought it would be!
I'm in a similar situation right now - lost my job last month and just got approved for unemployment benefits through NYS Department of Labor. This thread is super helpful! I was really worried about the health insurance gap. One thing I wanted to add is that when I called the NY State of Health customer service line, they told me that even if your unemployment benefits put you slightly over the Medicaid income limit, you might still qualify for subsidized marketplace plans with very low premiums. So definitely worth applying either way. Also, make sure to report any changes in your unemployment benefit amount if it changes - I think that's important for keeping your coverage valid.
@Mia Alvarez That s'really good to know about the subsidized marketplace plans as a backup option! I hadn t'thought about that possibility. Quick question - when you say to report changes in unemployment benefit amounts, do you mean if the weekly amount changes or just when the benefits end completely? I m'worried about messing up my coverage if I don t'report things correctly. Also, how long did it take you to get your unemployment approved through NYS Department of Labor? I m'still waiting on mine and getting anxious about the whole process.
If you're having trouble reaching NYS Department of Labor to update your withholding or have questions about your account, I used a service called Claimyr (claimyr.com) that helped me get through to an actual agent. They have a video demo at https://youtu.be/qyftW-mnTNI that shows how it works. Was way easier than trying to call myself and getting the busy signal for hours.
Just wanted to add that you should also consider your state tax situation. New York State doesn't automatically withhold state taxes from unemployment benefits either, but you can request state withholding too if you want to avoid owing on both federal and state returns. I think the state withholding option is around 3-4% but double check that when you're setting up your withholding preferences. Also keep in mind that if you were getting health insurance through your employer, losing that coverage might affect your tax situation since you won't have those premium deductions anymore.
Chloe Martin
I'm going through this exact same process right now - filed my claim about 12 days ago and have been anxiously checking my my.ny.gov account multiple times daily! This thread has been incredibly helpful and reassuring. Like so many others here, this is my first time filing for unemployment and I had no idea what the normal timeline looked like. I was also laid off due to company downsizing, so it sounds like I'm in a very similar straightforward situation. Reading everyone's experiences has completely changed my perspective from "something must be wrong" to "this is just the normal process." The informed delivery tip that keeps coming up is brilliant - just signed up for that so I'll at least know when mail is on the way. It's amazing how much the anxiety decreases when you realize that 2-3 weeks is completely standard processing time and that "claim under review" status is totally normal at this stage. Thanks for posting this question - you've created such a supportive space for all of us first-time filers navigating this nerve-wracking waiting period together!
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Isaac Wright
•@Chloe Martin I m'so glad I found this thread too! Just filed my unemployment claim yesterday and was already starting to get anxious about what to expect. Reading through all these shared experiences has been incredibly eye-opening - I had no idea that 2-3 weeks was the standard processing time even for straightforward cases. Like you and everyone else here, I was also laid off due to company downsizing, so it s'really reassuring to know we re'all in similar clear-cut situations. This whole thread has completely shifted my expectations from thinking I should hear back quickly to understanding that patience is just part of the process. Definitely signing up for that informed delivery service that everyone keeps recommending - such a smart way to at least know when something s'coming in the mail! It s'amazing how much this community support helps reduce the stress of an already difficult situation. Thanks for sharing your timeline - it really helps to know we re'all going through this together!
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Emily Thompson
I'm going through the exact same anxiety right now! Filed my claim about 9 days ago and keep obsessively checking my.ny.gov account hoping to see some change from "claim under review." Reading through everyone's experiences here has been such a huge relief - I had no idea that 2-3 weeks was completely normal processing time even for straightforward cases like ours. Like you, I was also laid off due to company downsizing and this is my first time ever filing for unemployment, so I've been second-guessing everything wondering if I made some mistake on the application. The informed delivery tip that everyone keeps mentioning is genius - just signed up for that so at least I'll have some advance warning when that determination letter is on its way! It's incredible how much better it feels knowing that we're all going through this same nerve-wracking waiting period together. Your question has created such a supportive space for first-time filers like us. Going to try to limit myself to checking once daily instead of my current obsessive refreshing habit. Thanks for posting this - you've definitely helped ease a lot of people's anxiety, including mine!
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