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If you're having trouble getting through to the NYS Department of Labor to file your claim or get answers about eligibility, I used a service called Claimyr that helps you reach actual agents by phone. They handle the calling and waiting for you - check out claimyr.com and their demo video at https://youtu.be/qyftW-mnTNI. Made the whole process way less stressful when I was trying to understand my benefits after getting laid off from my restaurant job.
The unemployment system is basically there to prevent economic catastrophe when people lose jobs. Without it, you'd have millions of people with zero income immediately after layoffs, which would crash consumer spending and make recessions way worse. So it's not just about helping individuals - it's about keeping the whole economy stable. The NYS Department of Labor uses it as both a social safety net and an economic stabilizer.
From a personal finance perspective, unemployment is definitely systematic risk for your household budget regardless of what the textbooks say. When you lose your job, it affects everything - your ability to pay bills, your credit score if you miss payments, your retirement savings if you have to withdraw early. The fact that NYS Department of Labor benefits only replace a fraction of your income makes it even more systematic to your personal financial system.
the whole unemployment measurement system is pretty outdated IMO, doesnt capture gig workers or people who gave up looking very well
Good point about gig workers. The survey has been updated to better capture non-traditional employment, but it's still not perfect. NYS Department of Labor also publishes alternative measures like U-6 which includes discouraged workers and those working part-time for economic reasons. For your research, you might want to look at both the standard U-3 rate and these broader measures.
The whole system is designed to make it as difficult as possible to actually get your money. They'll find any excuse to delay or deny your claim. Make sure you document EVERYTHING because they'll question every little detail. And don't even get me started on the job search requirements - it's like they want you to waste time applying for jobs you're not qualified for just to meet their arbitrary quotas.
Isabella Russo
People love to make unemployment benefits political when it's just a basic insurance program. You paid into it through payroll deductions, you lost your job through no fault of your own, you get benefits. Simple as that.
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ApolloJackson
Wait so if I worked part time for most of 2024 but full time the last few months before getting laid off, does that affect my benefit amount? I'm getting like $180 a week which seems low
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Emma Bianchi
•Your weekly benefit amount is calculated based on your highest earning quarter in your base period. If most of your work was part-time, that would definitely impact the calculation. You can check your monetary determination on the NYS Department of Labor website for the exact breakdown.
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