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The benefit amount is only part of it - you also have to think about how it affects your taxes. Unemployment benefits are taxable income at federal and state level. I learned that the hard way when I got a huge tax bill after being on unemployment for most of 2024.
My advice is to apply as soon as you lose your job and don't wait. The sooner you file, the sooner you can start collecting. And if you run into issues with Washington ESD (which unfortunately happens a lot), don't be afraid to use resources like Claimyr to actually get through to an agent who can help you.
Make sure you understand the waiting week too. You don't get paid for your first week of unemployment in Washington. So even if you qualify for benefits, your first payment won't come until week 2.
Last tip - set up direct deposit if you can. Paper checks take forever and sometimes get lost in the mail. Direct deposit hits your account within 1-2 business days of processing.
Definitely will do that. Thanks everyone for all the helpful info! This thread answered way more questions than the Washington ESD website.
Glad we could help! And remember, if you run into issues getting through to Washington ESD, that Claimyr service I mentioned earlier really does work. Sometimes you just need to talk to a real person to sort things out.
Pro tip: when Washington ESD calls you for the separation interview, answer the phone! They usually only try a few times before making a decision based on available information. If you miss the call, call back immediately.
Final update from me: Got approved! Washington ESD determined that performance issues without willful misconduct don't disqualify you from benefits. Took exactly 3 weeks from filing to approval. Thanks everyone for the encouragement and advice.
Make sure your unemployment benefits aren't set to expire soon. Lenders want to see that you'll have income for the duration of the loan.
One last tip - if you get approved, set up automatic payments from your checking account. It shows the lender you're responsible and you might even get a small interest rate discount.
Carmen Ruiz
Remember that even if you qualify based on work history, you still need to be able and available for work to receive benefits. If you have any restrictions on the type of work you can do or hours you're available, make sure to report that accurately when you file.
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GalaxyGlider
•I should be able to work full-time in my field without restrictions. Is there anything specific I should know about the 'able and available' requirement?
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Carmen Ruiz
•Just be honest about your availability and job search efforts. Don't turn down suitable work offers, and be prepared to accept work that's reasonably related to your skills and experience.
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Andre Lefebvre
One last thought - document everything happening at work right now. Even if you don't end up needing it for unemployment, it's good to have records of performance discussions, any training offered, deadlines given, etc. It shows you were engaged and trying to meet expectations.
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GalaxyGlider
•I'll start keeping better records. Thanks for all the advice everyone - this has been really helpful in understanding what to expect.
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Malik Robinson
•Good luck with your situation. Remember, performance issues happen and don't reflect on your worth as a person. Focus on what you can control and have a plan ready just in case.
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