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I'm going through a furlough situation right now too and this thread has been so helpful! My company just announced a 5-week furlough starting in two weeks, and I was panicking about how to handle the financial gap. Reading all these success stories about collecting unemployment benefits during furlough in Washington is such a relief. I'm definitely going to file online as soon as the furlough officially starts, and I'll make sure to keep all the documentation from my employer. It's also good to know about services like Claimyr in case I run into any issues with the phone system. Thanks everyone for sharing your experiences - it makes this whole situation feel much more manageable knowing others have navigated it successfully!
I'm so glad this thread could help ease some of your anxiety about the furlough! It's completely understandable to panic when facing an unexpected gap in income. The fact that you're being proactive and planning to file right when it starts puts you in a great position. One thing I'd add is to maybe take a screenshot or print out the confirmation page when you submit your application online - it's always good to have that reference number handy. Also, don't hesitate to reach out here if you run into any questions during the process. This community has been amazing at sharing real experiences and practical advice. You've got a solid plan and you're definitely going to get through this!
I've been through a similar furlough situation myself and want to echo what everyone else has said - you absolutely can collect unemployment benefits during a furlough in Washington state! The process was surprisingly straightforward when I filed last year. One thing I'd add is to make sure you save a copy of any written notice your employer gives you about the furlough dates and circumstances. Washington ESD may ask for this documentation during the application process or later for verification. Also, don't stress too much about getting every detail perfect on your initial application - you can always provide additional information later if needed. The most important thing is to get your claim started as soon as the furlough begins so you don't miss out on any potential benefits. Best of luck with everything!
Thanks for adding that detail about saving the written notice from the employer! That's really practical advice that I wouldn't have thought of. It's reassuring to hear that the process was straightforward for you too. I'm feeling much more confident about this whole situation after reading everyone's experiences. It sounds like as long as I'm honest about my circumstances and file promptly when the furlough starts, everything should work out fine. I really appreciate how supportive this community is - it makes dealing with these stressful work situations so much easier when you can learn from people who've actually been through it!
UPDATE: After trying everything suggested here, I finally got through to ESD using the Claimyr service. The agent confirmed my ID docs were fine and just needed review. She expedited my case and THREE HOURS LATER my account updated to "paid"! All 4 weeks of backpay should hit my account tomorrow. For anyone dealing with this - keep filing weekly claims, be persistent about calling, and document everything. Thanks everyone for your help and advice during this stressful time.
Wow, Carmen, congratulations on getting your claim resolved! Your experience gives me hope. I'm currently on week 3 of ID verification adjudication and getting really anxious about my finances. It's reassuring to hear that the agent was able to expedite your case once you actually got through to them. I've been hesitant to try third-party services but seeing your success story makes me think it might be worth it. Did the Claimyr service cost anything? And for others still waiting - Carmen's story proves that sometimes the documents are just sitting there waiting for review, not because there's actually an issue with them. Keep pushing!
@Edwards Hugo Yes, Claimyr does cost a small fee I (think it was around $20 ,)but honestly it was worth every penny considering I was about to miss rent! The peace of mind and actually getting results made it totally worthwhile. You re'absolutely right that sometimes the documents are just sitting there - that s'exactly what happened with mine. The agent said my case had been ready "for review for" over a week but just hadn t'been assigned yet. Don t'give up hope! Week 3 is still within the normal timeframe, but if you re'getting financially stressed, it might be worth trying to get through to an actual person.
I went through something similar a few years ago. One thing that really helped me was creating a detailed budget to figure out exactly how much I needed vs how much I wanted to withdraw. I ended up taking out just $3,000 instead of the $8,000 I originally planned, and it was enough to bridge me until I found work. Also look into whether your 401k provider offers any hardship withdrawal options - some have reduced penalties for unemployment situations. The regular early withdrawal penalty is brutal but every little bit helps when you're already in a tough spot.
That's really smart advice about doing a detailed budget first. I think I was panicking a bit and just thinking about withdrawing a big chunk, but you're right that I should figure out exactly what I need to get by. Do you remember if the hardship withdrawal options actually had better terms, or was it just easier paperwork? I'm definitely going to call my 401k provider tomorrow to see what options they have.
In my case, the hardship withdrawal had the same 10% penalty but some providers waive their administrative fees and make the process faster. The paperwork was definitely easier - just had to show proof of unemployment rather than jumping through other hoops. It's worth asking about because even saving $50-100 in fees helps when money is tight. Also @4c9bd1943bf6 since you mentioned you're getting $627/week in UI, definitely do that budget calculation first. You might find you need way less than you think, especially if you can stretch it over a few months instead of all at once.
Hey, I'm in a similar boat - been unemployed for about 4 months now and had to make this exact decision. I ended up withdrawing $5,000 from my 401k last month and it didn't affect my Washington ESD benefits at all. The tax hit was painful though - about 32% total between federal taxes, state taxes, and the 10% early withdrawal penalty. What I wish I had done differently was withdrawing smaller amounts as needed rather than one lump sum, because once you withdraw it, you can't put it back and the compound interest you lose over time is significant. Also, definitely exhaust other options first if you haven't already - I found some local emergency assistance programs through United Way that helped with utilities, which let me stretch my UI benefits further. The 211 number that someone mentioned earlier is legit - they connected me to resources I didn't even know existed.
I'm a benefits counselor who works with displaced workers, and I see this confusion all the time. Let me give you some clarity on your situation. Based on what you've described - a one-time $8,500 withdrawal from your 401k for emergency medical bills after being laid off from construction - this should NOT be considered reportable income for unemployment purposes in Washington state. Here's why: 1. It's a one-time withdrawal, not regular pension payments 2. It's from YOUR own contributions (construction jobs rarely have significant employer matching) 3. It's not "new income" - it's your own previously-earned money accessed early due to emergency The 6 weeks you've already claimed without reporting it shouldn't be a problem since you weren't intentionally hiding anything - you were just confused by unclear guidance (which happens to almost everyone). I strongly recommend calling ESD to get official confirmation. Use this exact phrasing: "This is a one-time early withdrawal of my own 401k contributions due to emergency medical expenses - not regular pension payments." Ask for a supervisor if the first agent seems uncertain, as they have better training on these distinctions. Don't second-guess the medical emergency withdrawal - that's exactly what these funds are for when facing urgent situations with no other viable options. Focus on getting the ESD question resolved so you can have peace of mind moving forward. You're going to be fine - this is a common situation with a clear resolution once you get the right ESD representative on the phone.
Madison, this is incredibly helpful professional guidance - thank you so much! As someone who works with displaced workers regularly, your expertise really helps clarify what's been a very confusing situation. I especially appreciate you breaking down the three key factors that make this NOT reportable income - the one-time nature, my own contributions, and the fact that it's not new income. Your point about construction jobs rarely having significant employer matching is spot on and something I hadn't fully considered. I'm definitely going to use that exact phrasing when I call ESD: "This is a one-time early withdrawal of my own 401k contributions due to emergency medical expenses - not regular pension payments." It's such a relief to hear from someone who deals with these situations professionally that the 6 weeks I've already claimed without reporting shouldn't be a problem since I wasn't trying to hide anything. Thank you for the reassurance about the withdrawal decision too - you're absolutely right that I need to focus on resolving the ESD question rather than second-guessing what was really my only option for handling the medical emergency. Your professional perspective has given me the confidence I need to make that call and get this properly documented!
I just wanted to follow up and say THANK YOU to everyone who shared their experiences and advice in this thread! As a newcomer to this whole unemployment process, I was really overwhelmed and scared about potentially messing up my benefits over something I didn't understand. After reading through all your responses, I finally worked up the courage to call ESD this morning. I used the exact phrasing several of you recommended: "This is a one-time early withdrawal of my own 401k contributions due to emergency medical expenses - not regular pension payments." The first agent I spoke with seemed uncertain, so I politely asked to speak with a supervisor (thanks for that tip!). The supervisor was incredibly knowledgeable and confirmed that my $8,500 withdrawal should NOT be reported as income for unemployment purposes since it was my own contributions from previous paychecks, not new income. She also assured me that the 6 weeks I'd already claimed without reporting it was completely fine since I wasn't trying to hide anything - just genuinely confused by the rules (which she said happens all the time). I documented everything - got her name, ID number, date and time of the call - so I have it all on record now. This community is amazing! The fact that so many people took time to share their personal experiences and professional expertise really made all the difference. I went from panicking about potential fraud accusations to having complete peace of mind. You all are lifesavers! 🙏
Omar Fawaz
Glad we could help. Remember, the work search requirement is there to support your job hunting efforts, not make your life harder.
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Rhett Bowman
This is such a helpful thread! I'm also new to the unemployment work search requirements and was feeling overwhelmed. One thing I wanted to add - I've found that creating a simple spreadsheet with columns for date, company name, position applied for, method (online, email, in-person), and any follow-up actions has been really helpful for staying organized. It makes it so much easier when I'm filling out my weekly claim and I don't have to try to remember what I did earlier in the week. Plus having everything in one place helps me track which applications I should follow up on.
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Alexis Robinson
•That's exactly what I needed to hear! I was wondering about the best way to organize everything and a spreadsheet sounds perfect. Do you include any other columns in yours, like contact person names or application confirmation numbers? I want to make sure I'm capturing enough detail in case I ever get audited. Also, thanks for mentioning the follow-up tracking - I hadn't thought about using it to manage my job search pipeline too.
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Sofia Torres
•Great idea on the spreadsheet approach! I'd suggest adding a few more columns that have been helpful for me: job posting URL (so you can reference it later), required qualifications (helps you see patterns in what skills you might need to develop), and result/response received. I also include a notes section for things like referral source or specific details about the conversation if it was a networking contact. The confirmation numbers are definitely worth tracking - some employers send them automatically and they're great proof of your application. One tip: I color-code my entries by week so I can quickly see if I've met my 3 activity requirement each week before filing my claim.
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