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One more important point that hasn't been mentioned: When you report freelance/self-employment income, you should report it for the week you PERFORM the work, not when you get paid (which is different from W-2 work where you report when paid). Also, regarding job search requirements: Yes, you must continue performing and documenting 3 job search activities each week, even during weeks you do freelance work, UNLESS you've been approved for standby status or commissioner-approved training. Freelance work by itself doesn't exempt you from job search requirements. And a final tip: If your freelance work becomes regular and ongoing, you might want to look into partial unemployment benefits. You can potentially receive partial benefits for a longer period rather than using up full weeks of benefits during periods of no work.
Just wanted to add my experience as someone who did exactly this! I had a 3-week freelance project while collecting unemployment and it went smoothly. The key things that worked for me: 1) I kept filing weekly claims without interruption, 2) reported my gross freelance income for the exact weeks I worked (not when I got paid), 3) continued doing my 3 job searches each week even during work weeks, and 4) kept every email, invoice, and payment record. After the project ended, my regular benefits resumed automatically. Don't overthink it - just be thorough with reporting and documentation!
Just want to add - if you're having trouble reaching Washington ESD about waiting week questions or any other issues, that Claimyr service mentioned earlier really works. I was skeptical at first but it got me through to an agent when I'd been trying for days on my own.
Thanks everyone for all the detailed explanations about the waiting week! This thread has been incredibly helpful. I was really stressed about not getting paid right away, but now I understand it's just part of the process. Going to make sure I file everything correctly and use this week to get my job search organized like some of you suggested. At least knowing what to expect makes it easier to deal with financially and mentally.
I'm new to unemployment benefits and just opened a Gesa account specifically because I heard they were good for direct deposits. This thread is so reassuring! I was worried about timing since I'm also dealing with rent deadlines. Quick question for the Gesa veterans here - does the deposit timing change at all if you're brand new to unemployment? Like, do they hold first-time deposits longer or anything like that? I just filed my first weekly claim on Sunday and ESD shows it as processed, but I want to make sure I have realistic expectations for when it might hit my account. Also, is there any difference between using Gesa's mobile app vs online banking for checking deposits? I want to make sure I'm not missing anything!
Welcome to the unemployment journey! From my experience with Gesa, there shouldn't be any difference in timing for your first deposit versus ongoing ones - Gesa processes ACH transfers the same way regardless. Since you filed Sunday and it shows processed, you should see it follow the same Wednesday night pattern everyone's been describing (around 10:30pm-midnight). As for mobile app vs online banking, they both show the same information in real time, but I personally prefer the mobile app because you can set up push notifications for deposits. That way you don't have to keep checking - you'll get an alert the moment it hits your account. The desktop site is fine too, but the mobile notifications are clutch for knowing exactly when your money arrives. You picked a good credit union! The timing is very consistent once you get into the routine. Good luck with everything!
I've been on unemployment with Gesa for about 6 months and can confirm what everyone else is saying - Wednesday nights between 10pm-midnight is the norm! I file Sunday evenings and it's been incredibly consistent. One thing I'll add that might help with your rent situation: I started using Gesa's "account alerts" feature where they text me the instant any deposit over $100 hits my account. That way I know immediately when my benefits arrive instead of checking obsessively. You can set this up in their mobile app under notifications. Also, for what it's worth, I've found that if I file my weekly claim before noon on Sunday, it seems to process slightly faster than when I file Sunday night. Might just be coincidence, but the earlier filing seems to keep everything on the most predictable schedule. For your landlord, I'd definitely say Thursday morning to be safe, but realistically you should have the funds Wednesday night. The consistency has been one of the few reliable things about this whole unemployment process!
This is super helpful info, thank you! I just set up the text alerts for deposits over $100 - that's going to save me so much anxiety about constantly checking my account. And that tip about filing before noon on Sunday is interesting, I might try that this week to see if it makes any difference. It's really reassuring to hear how consistent the timing has been for everyone here. Makes me feel much more confident about managing my budget around these payments. Thanks for sharing your experience!
I actually went through this exact situation about 6 months ago when my partner lost his job. We withdrew about $35k from his 401k and I was terrified it would mess up his unemployment benefits permanently. Here's what actually happened: Week 1: Reported the 401k withdrawal under "retirement pay" on his weekly claim Week 2: Benefits were reduced to $0 for that week only (since the withdrawal was larger than his weekly benefit amount) Week 3: Regular benefits resumed at full amount like nothing happened The key things that helped us: - Report it honestly on the EXACT week you receive the money - Don't panic if that week shows $0 - it's temporary - Keep all your 401k paperwork in case they ask for it later (they didn't ask us) Also want to echo what others said about the tax hit - we're still dealing with that. The 10% penalty plus regular income tax was brutal, but we were in a desperate situation too. Make sure you set aside money for taxes next year! One more tip: if your husband's former employer had any employee assistance programs, some offer emergency financial counseling that might help you explore other options before touching retirement funds.
This is incredibly reassuring to hear from someone who went through the exact same situation! The timeline you laid out is exactly what we needed to know. I'm feeling much more confident now that it really is just a one-week impact. We're definitely going to set aside money for the tax hit - sounds like that's going to be the bigger financial challenge than the temporary UI reduction. Thank you for sharing your real experience with this!
Just wanted to add one more resource that might help - Washington State has a free financial counseling service through the Department of Financial Institutions called "Financial Education Public-Private Partnership" that offers emergency financial planning sessions. They can help you figure out if there are other options before touching your 401k. My sister used them when her husband was laid off and they helped her navigate some assistance programs she didn't even know existed. You can find them on the DFI website under consumer services. Might be worth a quick call before making the final decision on the withdrawal. Hope things turn around for you both soon!
StarStrider
I'm in Washington state too and dealt with this exact situation about 6 months ago. The advice everyone's giving here is spot on - you absolutely must keep filing your weekly claims even while working the temp job. I made the mistake of skipping one week early on because I thought "well I'm working full time this week so why bother filing" and it created a gap that took 3 phone calls to fix. The Washington ESD rep told me that as long as you file consistently and report all your work honestly, your claim stays in "active" status even during $0 payment weeks. When my temp contract ended after 8 weeks, I just went back to filing normally and started receiving payments again with zero issues. The key is treating those work weeks like any other week - file on time, report everything accurately, and don't overthink it.
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Zara Malik
•This is such valuable real-world experience - thank you for sharing! It's interesting that even skipping just one week created issues that needed multiple phone calls to resolve. That really drives home how important consistency is with the weekly filings. I'm definitely going to be religious about filing every single week now, even when it feels weird to be filing for unemployment while working 40+ hours. The fact that your transition back to regular payments was seamless after 8 weeks gives me a lot of confidence that this approach actually works as intended. Thanks for the reassurance!
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Chloe Green
I just want to echo what everyone else has said and add that I went through this exact situation twice - once with a 6-week temp job and again with a 3-month contract position. Both times I kept filing my weekly claims religiously, reported every hour and dollar earned, and had zero problems transitioning back to regular unemployment payments when the work ended. The Washington ESD system actually handles this really well once you understand that working doesn't end your claim - it just temporarily reduces your benefits to $0 while keeping everything active in the background. The biggest mistake you can make is overthinking it or trying to "game" the system by not reporting work or skipping filings. Just be completely transparent about your temporary work situation and file every single week like clockwork. Your future self will thank you when you seamlessly resume benefits instead of having to navigate the nightmare of reapplying from scratch.
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Sofia Gutierrez
•This is so reassuring! Having someone share their experience with not just one but TWO temporary work situations really helps. The fact that you went through this process twice and it worked smoothly both times gives me complete confidence that I'm making the right choice. I love how you put it - "working doesn't end your claim, it just temporarily reduces your benefits to $0 while keeping everything active in the background." That's exactly the mindset shift I needed. I was thinking of it as somehow breaking or pausing my claim, but really it's just the system working as designed. I'm going to stop overthinking this and just commit to filing every week and being 100% transparent about everything. Thanks for taking the time to share your experiences - this whole thread has been absolutely invaluable!
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