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Just want to echo what others have said - the workers comp settlement itself shouldn't disqualify you, but proper reporting and documentation will be key to avoiding any issues down the road.
No credit impact at all from unemployment benefits. The only thing I'd watch out for is making sure you can reach Washington ESD if you need to discuss your claim. I had good luck with a service called Claimyr when I couldn't get through their regular phone lines - helped me resolve an issue much faster than trying to call on my own.
I keep seeing Claimyr mentioned - seems like it's been helpful for a lot of people with Washington ESD phone issues.
Unemployment filing = no credit impact. Period. It's not a loan, it's not debt, it's insurance you paid into through your paychecks. Credit agencies don't get any information about unemployment claims from Washington ESD or any other state agency.
The main thing is don't panic if you do get laid off. File your claim right away, start your job search, and use all the resources available. The unemployment system isn't perfect but it's there to help.
One more tip: if you do end up calling Washington ESD for any reason and can't get through, definitely try that Claimyr service people mentioned. I was skeptical at first but it really works and saved me hours of calling.
One last tip - once you're approved and start receiving benefits, don't spend them all immediately. Sometimes Washington ESD finds issues weeks or months later and demands repayment. Keep some money set aside just in case. It's rare but it happens.
honestly the whole thing seems way more complicated than it needs to be but at least washington is better than some states. good luck with your application!
Mei Liu
One last tip - if you get denied for disability initially (which happens to most people), you can appeal while continuing unemployment if you're still able to do some work. The appeals process takes even longer than the initial application.
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Freya Nielsen
•Good to know. I've heard most people get denied the first time anyway.
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Mei Liu
•Yeah, it's unfortunately very common. Don't get discouraged if it happens - just keep appealing and documenting everything.
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NeonNinja
For anyone who needs to actually talk to Washington ESD about their specific situation, I can't recommend Claimyr enough. Having a real conversation with an agent instead of trying to figure everything out from confusing websites made all the difference for me.
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Liam O'Donnell
•I'm definitely going to try this. I've been putting off calling because I know I'll just sit on hold all day.
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Freya Nielsen
•Same here. I think I need to speak with someone directly about my situation rather than just guessing based on general information.
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