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Hope everything works out with your recovery and that you find some financial assistance during your leave. Keep us posted!
I went through something similar when I had to take FMLA for a knee replacement. You're right that regular unemployment won't work since you're not available for work, but definitely look into Washington's Paid Family and Medical Leave (PFML) program. You have to have worked and paid into it for at least 820 hours in the past year, and there's a one-week waiting period. The benefits are partial wage replacement (usually around 90% of your average weekly wage up to a cap). I applied online at paidleave.wa.gov and it was way easier than dealing with ESD phone lines. Also check if you have any accrued sick time or vacation pay you can use to bridge gaps. Good luck with your recovery!
One last thing - if you end up having to pay it back, ask about setting up a payment plan instead of them taking the whole refund at once. They usually work with you on that.
I went through something similar last year with a $1,900 overpayment. The key is to act fast and don't let them steamroll you. First thing - call them ASAP and ask for a payment plan instead of the tax intercept. Even if you plan to appeal or request a waiver, having a payment plan in place can sometimes stop the intercept process while you work things out. Also, if you had any job changes or confusing income situations during your claim period, that might be where the error happened. Washington ESD makes mistakes all the time with how they calculate these things.
If anyone else needs to reach Washington ESD about tax withholding or other claim questions, I can't recommend Claimyr enough. Finally got my issues resolved after weeks of trying to call on my own.
One last tip - keep good records of your unemployment payments throughout the year. Don't wait until tax time to figure out how much you received. Makes filing much easier.
When I got laid off last year I chose NO withholding for the first two months then switched to YES for the rest of my unemployment period. It was kind of a compromise - I needed the full amount at first while I was adjusting my budget, then switched to withholding once I had my expenses under control. Just sharing another approach!
I went through the same decision last year when I was laid off from my retail job. I chose to have taxes withheld from day one, and honestly it was the right call for me. Yes, my weekly benefit was smaller (around $680 instead of $750), but when tax season came around I actually got a small refund instead of owing money. The peace of mind was worth it - I was already stressed about finding work and didn't need the extra worry of a looming tax bill. Plus, once you adjust your budget to the smaller amount, you don't really miss that extra money. Just my 2 cents as someone who's been there!
Joshua Wood
Waiting week is required for all new PFML claims in 2025. Glad to hear your second week is approved! My experience with PFML last summer was that I got my ReliaCard about 10 days after filing my first claim, but they didn't tell me they'd mailed it so it just showed up randomly. The payment hit the card about 3 days after approved status. Oh and dont forget u still gotta file weekly even on PFML!
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Michael Adams
•Thank you! Yes, I've been making sure to file each week. I wasn't sure if I needed to since this is medical leave with a set return date, but didn't want to risk missing payments. I'll keep watching my mail for the card!
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Nia Thompson
Just wanted to add my recent experience - I started PFML in February and had a similar timeline. My ReliaCard arrived exactly 8 business days after my first approved week, and the funds were already loaded on it when I activated it. One thing I didn't realize at first is that you can check your card balance online at reliacard.com even before the physical card arrives, as long as you have your SSN and the card gets issued. That helped me know the money was there while I was waiting for it in the mail. Also, if you're planning to transfer money to your bank account regularly, consider setting up the free transfer option through the ReliaCard website rather than using ATMs - it takes 1-2 business days but saves on fees.
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