Can 1099 contractors get unemployment benefits in Washington state?
I've been working as a 1099 contractor for the past two years doing freelance graphic design work. My main client just ended our contract and I'm wondering if I can file for unemployment benefits through Washington ESD? I know contractors usually don't qualify but I'm not sure about the rules here. Has anyone been in this situation before?
45 comments


Giovanni Greco
Unfortunately, 1099 contractors typically don't qualify for regular unemployment insurance (UI) benefits in Washington state. You need to have been an employee (W-2 worker) to be eligible. The system is designed for people who had taxes withheld from their paychecks by employers.
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Amara Eze
•That's what I was afraid of. So there's really no safety net for contractors at all?
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Fatima Al-Farsi
•There might be some exceptions depending on how your work relationship was structured. Sometimes contractors are actually misclassified employees.
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Fatima Al-Farsi
The key thing Washington ESD looks at is whether you were truly an independent contractor or if you were misclassified. If your client controlled your work schedule, provided equipment, or treated you like an employee, you might have a case for getting benefits. You'd need to file a claim and let them make the determination.
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Amara Eze
•Interesting. They did provide some software licenses and had me attend weekly team meetings. How would I go about filing if I'm not sure?
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Giovanni Greco
•You can file online through the Washington ESD website. Worst case they deny it, but at least you'll know for sure.
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Dylan Wright
I tried this last year when my consulting gig ended. Washington ESD denied my claim pretty quickly since I had been filing 1099s. The adjudication process took about 3 weeks and they said I didn't meet the employee requirements. It was frustrating but expected.
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Sofia Torres
•Did you try to appeal the decision? Sometimes they get it wrong on the first review.
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Dylan Wright
•No, I didn't appeal. My situation was pretty clearly contractor work - I set my own hours, used my own equipment, worked from home. There wasn't much room for argument.
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GalacticGuardian
Actually, I had success getting through to Washington ESD to ask about this exact situation using a service called Claimyr. They help you get connected to actual agents instead of waiting on hold forever. The agent was able to explain the specific criteria they use for contractor vs employee determination. Check out claimyr.com - they even have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works.
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Amara Eze
•Thanks for the tip! I've been trying to call Washington ESD but keep getting disconnected. How much does that service cost?
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GalacticGuardian
•It's pretty reasonable considering how much time it saves. Way better than spending hours on hold only to get hung up on.
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Dmitry Smirnov
The washington state employment security department has gotten stricter about contractor claims since covid ended. They're cracking down on misclassification but also being more careful about approving questionable cases. Your best bet is to gather documentation showing employee-like treatment if you think you were misclassified.
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Amara Eze
•What kind of documentation would be most helpful? I have email chains about meetings and some software access stuff.
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Dmitry Smirnov
•Email chains showing they controlled your schedule, any employee handbook or policy documents you received, records of training they provided, evidence they supplied equipment or software. The more it looks like an employment relationship, the better.
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Ava Rodriguez
this is so frustrating!! contractors pay self employment tax but get no benefits when work dries up. the system is totally broken for freelancers and gig workers
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Miguel Diaz
•I feel your pain. Been freelancing for years and it's feast or famine with no safety net.
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Giovanni Greco
•That's the trade-off with contractor work - more flexibility and potentially higher rates, but no benefits or unemployment insurance.
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Zainab Ahmed
Have you looked into whether you might qualify for any other assistance programs? Even if you can't get regular UI, there might be other state programs that help with temporary income support.
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Amara Eze
•I haven't really looked into other programs. Do you know what kinds of things might be available?
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Zainab Ahmed
•I'd check the DSHS website for things like Basic Food or temporary cash assistance. The requirements are different from unemployment.
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Connor Gallagher
My brother went through this same thing with his consulting business. He filed for unemployment anyway and it went to adjudication for like 6 weeks. Eventually they approved it because the company he worked for was treating him like an employee - they had him work specific hours, used their equipment, etc. Might be worth filing and seeing what happens.
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Amara Eze
•6 weeks is a long time to wait! Did he have any income during that period?
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Connor Gallagher
•He picked up some small gigs but nothing consistent. The adjudication process is slow but if you think you have a case it might be worth it.
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AstroAlpha
I'm going through something similar right now. Filed my claim 3 weeks ago and it's been in adjudication this whole time. Washington ESD is reviewing whether my 1099 work was actually employee work. Still waiting to hear back.
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Amara Eze
•Keep us posted on how it goes! I'm really curious to see what they decide.
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Yara Khoury
•That's a long adjudication. Have you been able to get any updates from them about timeline?
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Keisha Taylor
The employment security department uses a bunch of factors to determine if you're really a contractor or employee. Things like: who controls your work schedule, who provides equipment, whether you can work for other clients, how you're paid, etc. If most factors point to employee relationship, you might qualify.
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Amara Eze
•That's helpful context. I think my situation was probably more on the contractor side but there were definitely some employee-like aspects.
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Keisha Taylor
•Even if it's borderline, might be worth filing. The worst they can do is say no.
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Paolo Longo
pro tip: when you file your claim, be very detailed about the relationship with your client. Don't just say contractor - explain exactly how they treated you, what control they had, etc. The more specific you are, the better chance they have of making the right determination.
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Amara Eze
•Good advice. I'll make sure to be thorough if I decide to file.
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Amina Bah
I used Claimyr recently to get through to Washington ESD about a different issue and the agent was super helpful in explaining the contractor vs employee determination process. Way easier than trying to get through on the regular phone line. Worth checking out if you want to talk to someone before filing.
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Amara Eze
•Seems like a few people have mentioned that service. I might give it a try since I can't get through the normal way.
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Oliver Becker
just went through this whole thing last month. filed my claim, went through adjudication, got denied. appealed the decision and still waiting. its been 2 months total so far. if you're going to try this route, make sure you have other income sources lined up because its a long process
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Amara Eze
•Wow, 2 months is a long time. Are you still working while waiting for the appeal?
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Oliver Becker
•yeah picked up some part time work to pay bills. cant just sit around waiting for the government
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CosmicCowboy
The reality is that most true independent contractors won't qualify for unemployment benefits in Washington state. The system just wasn't designed for that type of work arrangement. You might want to look into setting up your own emergency fund for future contracts ending.
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Amara Eze
•You're probably right. I should have been better about saving for situations like this.
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Natasha Orlova
•Hindsight is 20/20. We all learn these lessons the hard way.
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Javier Cruz
If anyone needs help getting through to Washington ESD to ask about contractor eligibility, I highly recommend trying Claimyr. I was able to speak with an agent who walked me through the exact criteria they use. Made the whole process much clearer than trying to figure it out from their website.
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Amara Eze
•Thanks for the recommendation. I think I'm going to try that before deciding whether to file a claim.
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Emma Thompson
Bottom line: if you were truly an independent contractor, you probably won't qualify. But if you think you were misclassified as a contractor when you should have been an employee, it's worth filing a claim. The adjudication process will determine which category you fall into.
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Amara Eze
•That makes sense. I guess I need to really think about whether my work relationship was more like an employee or contractor.
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Emma Thompson
•Exactly. Be honest about the relationship and let Washington ESD make the determination. They're the experts on this stuff.
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