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Unemployment Talks: Salon Owner, Jessica Shattuck

June 1, 2020 By wordpress

Meet Jessica Shattuck, Owner of The Shop on 7 in Latham. Before salons were legally shutdown, Jess made the difficult decision to shut down her business for two weeks in order to protect the wellbeing of her clients and herself. She felt that despite losing the income, she had to do her part to stop the spread. A few days later, NYS shut down all salons. Unsure of how long this would last and if there would be any unemployment benefits for sole proprietors, anxiety ensued. Luckily, Pandemic Unemployment Assistance (PUA) was created to help people like her, but it took seven weeks of back and forth, answering questions incorrectly, and confusion before she received her first payment. Here’s her story…

When you did you first apply for unemployment and what was the process like?

I applied the second week of April, when I first realized sole proprietor’s could obtain some benefits. I spent one whole day filing and on the phone, I waited on the phone for seven hours. At this point, my employee who I had laid off when we shut down still hadn’t gotten through herself and she applied weeks before.

I finally got through and after giving some information, the person said my application was complete. Since I opened business Dec. 2018 and hadn’t yet filed for 2019, I got a letter saying I was approved for unemployment but for $0. Again, since I hadn’t filed for 2019 yet, my past four quarters showed I had no earnings. I filed my taxes the first weekend in April, right before applying, so I had to light a fire under my accountant to get those through and finally mailed, emailed, and faxed my 2019 taxes to the state.

What happened after you sent your 2019 taxes in?

One night, I got an email saying to apply for PUA. I started filling out the information and I felt like I was finally getting somewhere. I had gone six weeks with no pay at this point. It asked, “are you willing to work” and I said “yes,” then it asked if I was able to work, and I clicked “no” because legally, I could not work as salon owner. This caused it to automatically kick me out. Then, I got an email saying “since you’re not willing to work, you’re disqualified for PUA.” That obviously was not the case. There was no way to go back so I had to start the entire application process again and wait on the phone for additional hours.

Later on, I finally got call from unemployment and the way they were worded the questions was confusing and I kept answering incorrectly. The representative would say, are you sure you want to answer that way? The questions were ambiguous and I wasn’t answering the questions correctly to be approved. He was very helpful and patient. He finally told me I was approved, and I was coming up on seven weeks with no pay. He said I would receive back pay of unemployment and PUA in next 3-4 days, which I did receive in two separate waves. Finally.

People in my industry are resourceful and creative. We’re hustlers. We’ll bounce back.

Connect with Jess

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Unemployment Talks: Freelance Editor Barbara Price

May 19, 2020 By wordpress

Meet Barbara Price, an artist and freelance textbook editor with a number of large publishing clients. Right before the pandemic and shutdown, she had a couple of new contracts pending for work, which would’ve satisfied her income for the remainder of the year. Once businesses started closing, she couldn’t get in touch with anybody about the contracts and has been out of work since. We asked Barbara to share her experience filing for Pandemic Unemployment Assistance (PUA) because she ran into quite the interesting dilemma that may impact other freelancers. Here’s what she had to say…


When did you first apply for benefits? What was the initial process like?

I applied online right off the bat on April 2nd. At that time, the first step for freelancers was to apply for traditional unemployment insurance, get rejected, and THEN apply for PUA (they’ve since streamlined this process, and freelancers now apply in one step). In early May, I got an email from the Department of Labor (DOL) asking me to fill out another questionnaire. I responded to them immediately.

But you didn’t get any benefits…what went wrong?

Whenever there was a question about my “employer,” I answered that I had “no employer,” assuming that I would eventually get to part of the questionnaire designated for freelancers and business owners. It turns out there wasn’t a section for that. I got denied benefits because I’d indicated that I did not have an employer.

According to the DOL, if you are self-employed, you ARE technically employed by somebody – yourself. You should answer questions about “your employer” as if YOU are your employer, otherwise you will get rejected!

My husband applied after me, so we were sure we didn’t make the same mistake twice. He applied in late April (he had to send his 2019 taxes in) and we are awaiting payment.

Is the DOL doing appeals for people who were denied and/or made a mistake on the application?

They are not doing appeals so there’s not even a way I can fight this issue right now, which leaves me without funds at the moment. I sent a message to my assemblywoman who called me and put me on an expedited list to talk to someone from the DOL and I still haven’t heard back. I tried sending a message to the DOL, but again, haven’t heard anything. (Note to readers: If you were denied, please click here for more information about denial/appeals.)

Did you apply for any other benefits/loans, etc. through the CARES Act?

Yes, I applied and received $1,000 from the Economic Injury Disaster Loan (EIDL) program.

Any final thoughts for our readers?

I remain hopeful. I’m using this time for self actualization; to think about what I really want, how I want my life to look, and what’s really important to me. Networking is different now but making me notice people that think like I think. I see value in connecting with them and lifting each other up. 

Unemployment Talks: Freelancer and Business Owner Kim Gilmour

May 14, 2020 By wordpress

Follow FisheyeCeramics on Instagram!

Meet Kim Gilmour, Owner of FisheyeCeramics, a ceramic design studio on Main Street in Catskill and freelance audiobook producer. COVID-19 had an immediate detrimental impact on her work and she applied for unemployment the moment freelancers were able to. We asked her to share her experiences in applying and filing for Pandemic Unemployment Assistance (PUA) in hopes it would help other freelancers like her. Here’s what she said…


When did you start feeling the downturn in response to the crisis? What were your first steps?

I felt the downturn as soon as COVID-19 came into discussion in March. It was a horrible month. Once I found out freelancers were included in the CARES Act, I applied immediately.

Did you do some research on whether you’d qualify for unemployment? Where did you look?

I immediately went on applied to see what would happen. I did find some information on the NYS unemployment site that was helpful. I applied for unemployment about 15-20 years ago, so I know how the system works to a certain degree.

What was the application process like and what materials did you need handy?

I applied right online and had no problems. Since I applied fairly early, I had to apply for regular unemployment and at the time, the messaging about PUA wasn’t clear but I went ahead anyway. After filing the application, I got a response to call to complete it. It took three days of nonstop calling, hitting redial over and over again, and finally I did get through within 2-3 days. The agent asked additional questions and again, was unclear on how exactly the PUA worked. She instructed me to go online and claim benefits on a weekly basis. I know that weeks after I applied, there was a specific PUA application which made things easier for those who are self-employed, but I was fortunate it worked out for me so early on.

In terms of materials, I needed to fax them my 1099 and I also faxed them my 2019 tax returns, though not requested. A lot of what they ask you via application/phone isn’t proved via documentation, they take your answers in good faith.

I would rate the system a 4-5 out of 10.

Did you receive your benefits yet? Have you faced any issues in doing so?

During the first week of April, close to a month later, I received two $600 deposits. They came a week and a half apart. They didn’t send me any paperwork about what I would be getting or when. I still haven’t gotten anything other than those two checks. My understanding is that I will be getting retroactive checks to cover the weeks missed. I think a lot of us will be getting lump sum checks.

Have you applied for other assistance from the CARES act?

I did apply for the EIDL right off the bat and I received $1,000.

Do you see things going back to “normal” for you/your business?

Nothing is going to be the same. Ceramics is not a necessary business and it’s a luxury expense for some people. People need dishes and bowls, but do they really? Fortunately a lot of sales are online, so I don’t rely on having a physical space but I think its going to be very different. A lot of people are going to reinvent their businesses, if they haven’t already.

Any other advice for our readers?

A lot of people have said they’re not applying for benefits because they heard it takes so long. Have patience. Yes, it’s frustrating and may take a while but it will be worth it. If the funds are there for us, you should do everything you can to get to them. In long run, it will be better for you. It’s worth calling your bank too regarding grants/loans, etc. you never know what kind of options they have for you.

If you are a freelancer and would like to share your unemployment experience, please email Gabby Fisher, ACE Digital Marketing Manager.

Albany Business Review: On Their Own

May 8, 2020 By wordpress

A Freelancer’s Quarantine Reflection

May 7, 2020 By wordpress

By: Gabby Fisher, ACE Digital Marketing Manager


I woke up happy today. An hour or two passed…still happy. I called my sister. We both suffer from anxiety and tend to be the anchors that hold each other down; we get each other through the tough times. I told her…”I’m really happy today. I don’t know why. Is this the calm before the storm? Why can’t I just be okay with this good feeling? It’s like I’m skeptical of happiness now.” I cannot remember a day over the past seven-ish weeks of quarantine where I felt at peace, and now I feel like I’m bound to that negative energy in a way where I’m having a hard time letting myself feel good.

I couldn’t sleep for the first two weeks of quarantine. I’d wake up sweating, filled with anxiety about my own physical wellbeing and the health of my family. I can’t protect them from this. As the oldest of four, my instinct is ‘protect at all costs’. I’m helpless in this situation. Then came the wave of uncertainty about my business, its future, and the grave reality that I would have to go back and rethink every vision I initially had for its growth and direction. The world I built my business in is no longer the world we live in today. I have to adapt, but what if I can’t? Would I have to take on a traditional job I hate just to pay my bills and get by? My worst nightmare.

I started looking into the federal stimulus programs. I read tons of articles, talked to fellow business owners and still felt completely unprepared and terrified about applying. As a sole proprietor, do I even deserve these loans or assistance? Surely there are businesses struggling way harder than me…people with multiple employees who have kids to feed. I felt guilty. Even a couple weeks later, I still feel like I don’t know what I’m doing…Okay, great, say I get approved for this loan, what if I don’t use the money correctly and have to pay it back? What if I violate some aspect of the agreement by simply not knowing what I do not know? I called my bank and some granting organizations that offered free help via social media; either long waits, no replies, and once, a super rude and unhelpful employee made me feel dumb for asking basic questions. I felt alone and just wanted to give up. I’d rather take a hit than try to navigate this process on top of everything else I was dealing with. 

Now I’m applying for Pandemic Unemployment Assistance because my income has taken a serious hit. It’s a waiting game…I had to apply on two separate occasions because there was technical difficulties with the first application (a big waste of time) and so I find myself sitting, staring at the phone, waiting for an unemployment agent to contact me. Anxious that I’ll miss the call, which will add even more time to the process (potentially, weeks). Now, we wait…Some of my friends and family applied more than a month ago and still nothing. I feel horribly for them…adding to my anxiety. 

Now, deeper into quarantine and isolation, I lack inspiration and energy. I consider myself an extrovert (mostly, though I can be very introverted at times) and I feed off of other people’s energy. That’s where my creativity and passion come from, community and through building meaningful connections. During regular times, I will bounce from meeting to meeting, all day everyday. At night, I’ll attend events of all kinds. I’m rarely home. I’m always out. I cannot sit still for more than five minutes. I’m obsessed with productivity and spending time with those I love. Now, I sit in stillness…a lot. A silver lining some may say…I guess. I’m on my way to learning that stillness is okay. But again, I feed off the energy of others and now, it’s just me. I simply cannot thrive in this environment. 

Despite what I’ve written in regards to my struggles during this time, I consider myself a very positive person. I pride myself on being that way. That’s exactly why I wanted to write this…it’s okay to be that positive, energetic person in “regular times” and to struggle and lose a little bit of optimism during this arduous time. It’s what makes us human…our emotions, our reactions, our frustrations…what we learn from experiences such as these. I’m learning.

I’m learning that when I’m happy, I should sulk in it – I shouldn’t question it, I should live in the moment because the reality of it is, there will be many other moments, days, and circumstances (like a pandemic) where I will not be…and in those times, I will look back on a happy memory and I will be reminded of the real me and truly, that’s what’s beautiful about this rollercoaster we call life.

A Note: Next week, I will be launching a series of conversations with freelancers discussing the topic of unemployment. If you wish to contribute, please email me here.

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