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Update: I just filed my claim online! Took about 30 minutes once I got through. Wish I'd done this two weeks ago but at least it's done now. Thanks everyone for pushing me to act fast.
Awesome! You'll probably get a determination letter in the mail within a week or two. Don't panic if your claim goes into adjudication - it's pretty normal.
Glad you got it filed! If you run into any issues down the road, remember that Claimyr option for getting through to Washington ESD phone support.
For anyone else reading this later: the rule is you CAN file up to a year after becoming unemployed, but you SHOULD file within the first week. Don't be like OP and lose weeks of benefits by waiting.
Last resort - if you genuinely can't afford to pay it back and can't get it waived, bankruptcy might be an option. Unemployment overpayments can sometimes be discharged, though it's complicated and you'd need to talk to a bankruptcy attorney.
Just wanted to add - if you do end up needing to speak with Washington ESD about this overpayment, definitely try Claimyr if the regular phone lines aren't working. I was skeptical at first but it actually worked for me when I had a similar issue. Got connected to an agent who could pull up my account and walk through exactly what triggered the overpayment notice.
Just wanted to say thanks to everyone who shared their experiences. It helps to know I'm not alone in dealing with this situation.
One thing I learned is to start preparing for benefit exhaustion well before it happens. Don't wait until the last minute to explore your options.
This thread has been super helpful! I was also confused about the duration. One more question - do the 26 weeks reset if I go back to work for a while and then become unemployed again later?
Just to wrap this up for anyone else reading - 26 weeks (about 6 months) is the maximum for regular unemployment insurance in Washington. Your actual duration depends on your work history and earnings, but most people who qualify get the full 26 weeks as long as they meet all the ongoing requirements.
Miguel Ortiz
The formula is pretty straightforward once you understand it. Take your highest quarter earnings, divide by 26, and that's your weekly benefit amount. But there are caps so you won't get more than $999 per week even if you were making bank.
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Zainab Omar
•What's the minimum you can get? I only worked part-time so I'm worried I won't qualify for much.
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Miguel Ortiz
•Minimum is $295 per week for 2025. As long as you meet the earnings requirements you'll get at least that much.
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Connor Murphy
Pro tip: if you're not sure about your benefit amount, try calling Washington ESD early in the morning or late in the evening. Those seem to be the best times to actually get through to someone. Or use that Claimyr service if you don't want to deal with the phone tag.
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Yara Sayegh
•I've tried calling at all hours and still can't get through. Going to check out that Claimyr thing.
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NebulaNova
•Same here. Spent 4 hours yesterday trying to reach them with no luck.
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