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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.
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!
Just wanted to add - make sure you restart your claim this week! You only have until Saturday to backdate it to when you were laid off on Wednesday. If you miss that window, you'll lose this week's benefits.
Construction worker here too - just went through this same process last month! One thing I learned is that even with standby approval, you still need to certify every week and report any work you do (even small side jobs). Also, if your return date gets pushed back for any reason, you need to notify ESD immediately or they'll consider it a change in circumstances and might require you to start job searching. The standby status really does make things smoother though - no job search requirements and faster processing when you do go back to work. Good luck!
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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