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UPDATE: All six weeks just changed to PAID!!!! The money isn't in my account yet but the status finally changed! Thank you all so much for your help and reassurance. I was seriously about to have a breakdown thinking I wasn't going to get anything after waiting almost 2 months. For anyone else who sees this thread with the same issue - just be patient, the system really does take a few days to update everything after you get that weird "disqualified but favorable decision" status.
Congratulations on getting it resolved! This is such a perfect example of why this community is so valuable - your experience will definitely help the next person who runs into this confusing "disqualified but favorable" status. The ESD system really needs better messaging to explain what's happening during these processing stages instead of showing contradictory information that sends people into panic mode. Enjoy that well-deserved payment!
lol ive seen some people just lie on those forms to avoid the headache but i wouldnt recommend it cuz they can come after u later for fraud if they find out
I went through almost exactly this situation 6 months ago after an emergency appendectomy. I was honest and reported that I couldn't work for the one week I was in the hospital and recovering. ESD did deny benefits for just that specific week, but my claim continued normally after that. The key things that helped me: 1) I had all my medical documentation ready (hospital discharge papers, doctor's note with return-to-work date), 2) I made sure to do my job search activities the week I was cleared to return to light duty, and 3) I focused my job applications on positions I could actually perform with my temporary restrictions. It did trigger a brief review where they asked for my medical records, but once I submitted them it was resolved within about 10 days. Don't stress too much - one week of medical inability shouldn't destroy your entire claim as long as you're honest and have documentation.
Update: I finally got through using that Claimyr service mentioned earlier. Turns out there was an issue with my job separation information that my former employer had submitted incorrectly. They're fixing it now but it's going to take 2-3 weeks to process. At least I finally know what happened!
I'm dealing with a similar situation right now - got disqualified last week with no clear explanation in my account. Reading through all these responses is both helpful and frustrating because it seems like this is such a common problem with Washington ESD. I'm going to try the Claimyr service that several people mentioned since calling directly hasn't worked for me either. It's ridiculous that we have to pay a third party service just to get through to our own state unemployment office, but at this point I just need answers. Thanks everyone for sharing your experiences - at least I know I'm not alone in this mess.
To summarize what others have said and add some clarity: 1. One-time 401k withdrawals are NOT considered income for unemployment eligibility or benefit calculations 2. 401k withdrawals are different from pension payments (which can affect benefits) 3. During weekly claims, you must report work and earned income, but not 401k withdrawals 4. The financial penalties are significant: 10% early withdrawal penalty + federal income tax (possibly 22-24% depending on your total annual income) Before withdrawing, consider alternatives like unemployment benefits + partial 401k withdrawal, or investigate if your 401k plan offers hardship withdrawals with penalty waivers. Some plans also offer loans against your 401k that may be less costly than full withdrawal.
Thank you for this clear summary. After reading everyone's responses, I think I'm going to hold off on touching the 401k for now and see how far I can stretch my emergency savings + unemployment benefits. If I do need to tap the 401k, I'll do partial withdrawals rather than emptying it completely. Really appreciate everyone's help!
Just wanted to add another perspective as someone who's been through a similar situation. I was laid off from Boeing about 2 years ago and faced the same dilemma. What I ended up doing was taking a small loan against my 401k first (about $8,000) which had much lower costs than a withdrawal - just interest paid back to myself. When that wasn't enough after a few months, I did a partial hardship withdrawal. My plan administrator approved it due to unemployment and waived the 10% penalty, so I only paid regular income tax. Not all plans offer this, but it's definitely worth checking. The unemployment benefits alone weren't enough to cover my mortgage and other fixed expenses, but combining them with strategic 401k access helped me avoid financial disaster while job hunting. Just make sure you understand all your options before making any moves!
This is really helpful to hear from someone who actually went through this with Boeing! I didn't even know about 401k loans being an option - that sounds way better than losing 30-40% to penalties and taxes. The hardship withdrawal with waived penalties is definitely something I need to look into. It sounds like you found a good balance between unemployment benefits and strategic 401k access. How long did it take you to find another job, if you don't mind me asking? I'm hoping my job search won't drag on too long, but it's good to know there are multiple options if it does.
It took me about 7 months to find a new position, which was longer than I expected but pretty typical for aerospace jobs in my area. The combination approach really saved me - I was able to keep my house and avoid completely draining my retirement savings. One thing I'd add is to document everything when you apply for hardship withdrawal. I had to provide my layoff notice, unemployment benefit statements, and a detailed list of expenses. The process took about 2 weeks to get approved, so don't wait until you're completely out of money to start it. Also, if you do end up taking a 401k loan, just be aware that if you find a new job and leave that employer, the loan typically has to be paid back pretty quickly or it converts to a withdrawal with all the penalties. Good luck with your job search!
Sofia Ramirez
If your adjudication is taking longer than expected, it might be because they're waiting for information from your previous employer. It's worth calling your former employer's HR department to make sure they've responded to ESD's request for information. Sometimes following up directly with them can speed things along.
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Dylan Cooper
•That's a good point, I hadn't thought of that. My former supervisor wasn't thrilled when I was laid off (it was a healthcare facility downsizing), so I wouldn't be surprised if they're dragging their feet. I'll reach out to HR tomorrow.
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Yuki Yamamoto
I'm so sorry you're going through this nightmare! As a fellow healthcare worker who went through unemployment hell, I want to add a few more urgent resources: 1) Contact United Way's 2-1-1 service - they have real-time info on emergency rental assistance with shorter wait times than county programs. 2) Check if your area has a "Right to Counsel" program that provides free legal representation in eviction cases. 3) Document EVERYTHING - save all your ESD correspondence, job search records, and communications with your landlord. This paper trail will be crucial if you need to prove hardship to a judge or get expedited processing. You're doing all the right things by reaching out to legislators and following up on these suggestions. Don't give up - many people have been in your exact situation and made it through. Keep us updated on how the legislative contacts go!
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