Am I Eligible for Unemployment Benefits in New York?

 

To qualify for unemployment benefits in New York, you must meet a minimum earnings requirement and you must be unemployed through no fault of your own.

ADVERTISEMENT -

.
 

To qualify for unemployment benefits in New York, you must meet two basic requirements:

  • you must have earned at least a minimum amount (and/or worked a certain amount of time) before you lost your job, and
  • you must be out of work through no fault of your own.

If you meet these two qualifications when you apply, you will likely be eligible to receive unemployment benefits. (To keep receiving benefits after you are found eligible, you will also have to meet your state’s job search requirements; to learn more, see What Do I Have to Do to Keep Receiving Unemployment Benefits in New York?)

Gig workers, freelancers, and contractors are no longer eligible for benefits. In response to the COVID-19 public health emergency, Congress greatly expanded eligibility for unemployment. Among other things, these programs provided benefits to gig workers and other contract workers who are not eligible for traditional unemployment benefits. However, these programs expired in every state on September 6, 2021; about half the states cut off these benefits even earlier. 

Eligibility Requirement 1: Minimum Earnings

Unemployment benefits are available only to those who are temporarily out of work. If you apply after being out of the workforce for years, for example, you won’t qualify for benefits. You must have been employed relatively recently, and earned at least a minimum amount, to be eligible.

States look at an applicant’s work history during a stretch of time called the “base period.”

In New York, the base period is the first four of the five complete calendar quarters immediately before you filed for benefits. For example, if you file for benefits on March 15, 2022, your base period will be from October 1, 2020 through September 30, 2021. It would not include the most recent complete calendar quarter before you filed (October 1, 2021 through December 31, 2021) or the first two-and-a-half months of 2022.

Some states require only that you earn a minimum amount of money during the base period; other states require, either in addition or instead, that you have done some work in more than one quarter of the base period.

To qualify for benefits in New York, you must meet these requirements: 

  • You must have worked and been paid wages in at least two of the four quarters of the base period. 
  • You must have earned a minimum amount during the highest paid quarter of the base period. Currently, that amount is $3,100. 
  • Your total earnings in the base period must be at least one-and-a-half times your earnings in the highest paid quarter. However, if you earned more than $11,088 in your highest paid quarter, you will qualify if you earned at least $5,544 in the rest of the base period. 

If you did not earn enough to qualify for benefits during the regular base period, you may be able to use an alternate base period that counts more recent earnings. In New York, the alternate base period is the last four complete calendar quarters before you file for benefits. 

Eligibility Requirement 2: Reasons for Unemployment

To qualify for unemployment benefits, you must be out of work through no fault of your own. If you lose your job in a layoff, reduction-in-force (RIF), downsizing, or similar job action in which positions are cut for financial or strategic reasons, you will be eligible for benefits.

However, you don’t have to be laid off to collect unemployment. You may still be eligible even if you quit your job or you were fired, depending on the circumstances.

If You Quit Your Job

In New York, you may be disqualified from receiving benefits if you quit your job without good cause. 

In some states, you will be disqualified from receiving benefits for a certain number of weeks. In other states, you may be disqualified until you get another job and earn a minimum amount (typically, this amount is less than you would have to earn to qualify for benefits in the first place). Check the Unemployment Insurance Handbook for Claimants for more information about disqualification based on why you quit your job. 

If You Were Fired

You will be disqualified from receiving benefits if you were fired for misconduct or for committing a criminal act. In New York, misconduct can include any act that you knew was not allowed on the job and that caused your employer harm. 

You may be disqualified either for a set number of weeks or until you get another job and earn a minimum amount, depending on state law. In some states, the length of the disqualification period depends on why you were fired. You can learn more about disqualification based on the reason you were fired in the Unemployment Insurance Handbook for Claimants

If You Are Still Employed

If you are still working but need time off for reasons relating to COVID-19 or other health issues, you may be eligible for paid sick leave under your state's law. See Am I Entitled to Paid Sick Leave, Family Leave, or Vacation Time in New York to learn more. 


ADVERTISEMENT -



Jurisdictional relevance: ST

There are versions of this article for each State.