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just remember the money you take out now is money you wont have when you actually retire. try to minimize how much you withdraw if possible
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.
Thanks for asking this question! I've been wondering the same thing but felt dumb asking. Now I know I'm not missing some deduction I should be seeing on my paycheck.
This thread has been super helpful! I moved here from Texas where we also don't pay employee unemployment taxes, but I wasn't sure if Washington was the same. It's reassuring to know that the system is designed to protect workers without adding another payroll deduction. Makes me feel better about the whole setup knowing that if something happens with my job, I won't have to worry about whether I "paid enough" into the system.
Yes, it actually worked! I was skeptical too, but after 3 weeks of failing to get through on my own, I was willing to try anything. I got connected to an ESD agent within a few hours. The agent told me that my 'disqualified' weekly claims were just showing that way while my claim was in adjudication, and she was able to expedite my claim since it had been pending for so long. All my weekly claims switched from 'disqualified' to 'paid' about 2 days later. Huge relief after weeks of stress!
i tried Claimyr too and it worked but the agent i talked to wasnt helpful lol. just my luck! but at least i actually got to talk to someone after weeks of trying
Update: I've seen several cases in the past month where weekly claims show as 'disqualified' during adjudication, then automatically change to 'paid' once the main claim is approved. This seems to be a new system display issue with ESD's updated claim processing system. However, I still recommend trying to reach an agent after 5 weeks, as that exceeds their normal processing timeframe. If everything else in your claim looks good (identity verified, no issues showing, employer not contesting), then most likely your claim just needs a manual review to finalize approval.
Thank you for this update! I managed to get through to ESD this morning using that Claimyr service someone mentioned. The agent confirmed exactly what you said - it's just how their system displays claims during adjudication. She expedited my claim review since it's been over 5 weeks, and said I should see a decision within 48 hours. Such a relief!
As someone new to unemployment benefits, this whole thread has been incredibly helpful! I just started filing claims last week and was already worried about accidentally missing deadlines or messing up the process. It's reassuring to know that ESD has reasonable policies around holidays and gives you the full week window to file. I'm definitely going to set up multiple reminders on my phone so I don't end up in a panic situation like this. Grace, glad it worked out for you in the end!
Welcome to the UI system, Sophia! This community has been a lifesaver for me too when I started. One tip I learned the hard way - keep screenshots of your weekly claim confirmations. The ESD system occasionally glitches and it's good to have proof you filed on time. Also, if you're ever unsure about anything, don't hesitate to ask here. People are really helpful and knowledgeable about the process.
Val Rossi
Good luck with the corrections! Remember, minor mistakes on initial claims are super common. Washington ESD sees this stuff all the time.
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Tate Jensen
•Thank you! I feel so much better after reading everyone's responses. Time to make those corrections instead of worrying about them.
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Landon Morgan
I went through something similar when I first filed my claim! The anxiety about making mistakes is totally understandable, but everyone here is giving you solid advice. I had to correct my employment dates and add a missing employer about 3 weeks after filing. The Washington ESD agent I spoke with said corrections are really routine for them - they'd much rather have accurate information than let errors slide through. Don't stress too much about it, just focus on getting those corrections made as soon as you can reach them.
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Yuki Nakamura
•Thanks for sharing your experience! It's really helpful to hear from someone who actually went through the correction process successfully. I was definitely overthinking this whole situation. Did you have any trouble getting through to an agent when you needed to make your corrections?
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Shelby Bauman
•I had some trouble initially with the phone lines being busy, but I ended up using that Claimyr service that Gabriel mentioned earlier in this thread. It really made the difference in actually getting connected to an agent. The whole correction process was pretty straightforward once I got through - they updated my employment dates and added the missing employer right there on the call. The agent even mentioned that employment history corrections are one of the most common things they handle, so don't worry about it being unusual or problematic.
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