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Natasha Orlova

Can I file Washington ESD unemployment for maternity leave - confused about eligibility

I'm 7 months pregnant and trying to figure out if I can file for unemployment benefits when I take maternity leave. My employer doesn't offer paid maternity leave and I've been working there for 2 years. I know there's some kind of family leave program but I'm not sure if that's different from regular unemployment or if I need to apply through Washington ESD. Has anyone been through this process? I really need the income while I'm out with the baby.

You're thinking of two different programs. Regular unemployment through Washington ESD is for people who lose their job involuntarily. For maternity leave, you'd apply for Paid Family and Medical Leave (PFML) through the state, not regular UI benefits. PFML covers bonding with a new child.

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Oh wow, I had no idea there were separate programs! So I can't use my regular unemployment eligibility for this?

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Correct, they're completely separate systems. PFML has its own application process and benefit amounts.

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I just went through this last year! You definitely want PFML not unemployment. The application process was pretty straightforward but there's a waiting period before benefits start. Make sure you apply early!

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How early should I apply? And did you have any issues with the application?

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I applied about 6 weeks before my due date. The only hiccup I had was getting the right medical documentation from my doctor.

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If you're having trouble reaching anyone about PFML or need to talk to someone about your specific situation, I used Claimyr to get through to state agents when I couldn't get through the regular phone lines. They have a service at claimyr.com that helps you connect with agents. There's even a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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Is that legitimate? I've never heard of using a service to help with state calls.

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Yeah it's real, I was skeptical too but it worked when I needed to clarify my PFML application details. Way better than sitting on hold for hours.

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I can vouch for this too - used it when I had questions about my leave timing and got through in like 10 minutes instead of the usual nightmare.

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Just to be clear - you CANNOT file regular unemployment for planned maternity leave. That would be considered voluntary separation from work and would disqualify you from UI benefits. PFML is specifically designed for family bonding and medical leave situations.

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What if her employer laid her off while she was pregnant though? Would that change things?

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If she was laid off involuntarily, then yes, she could potentially file for regular unemployment benefits through Washington ESD, but that's a completely different situation than taking maternity leave.

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I made this same mistake when I was pregnant with my first. Spent weeks trying to figure out Washington ESD unemployment eligibility before someone told me about PFML. The benefit amounts are different too - PFML is based on your wages but has different calculation methods than regular UI.

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Do you remember what the benefit amount was like compared to your regular salary?

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It was about 60-70% of my regular pay, which was actually pretty decent. Way better than no income during leave!

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Are you sure you can't just file unemployment when you go on leave? I thought if you're not working you can get unemployment benefits. This is all so confusing!

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No, unemployment requires that you be available and actively seeking work. When you're on maternity leave, you're not available for work, so you wouldn't qualify for UI benefits.

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Oh that makes sense, I guess I never thought about the 'available for work' requirement.

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The state really needs to make this clearer. I bet tons of people get confused between unemployment and family leave benefits. They should have better information on the Washington ESD website about this.

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Agreed! I had to call three different places before I understood the difference.

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The PFML website actually has pretty good info once you find it, but yeah, the distinction isn't always clear upfront.

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Quick question - do you pay into PFML through your paycheck like you do for unemployment insurance? I'm trying to figure out if I'm even eligible.

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Yes, PFML premiums are deducted from your paycheck if you're an employee in Washington. You should see it on your pay stub.

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Perfect, I'll check my latest pay stub. Thanks!

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I used to work for the state and can confirm - maternity leave falls under PFML, not unemployment. The applications are through different systems entirely. PFML has its own portal and everything.

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Do you know if there are any gotchas in the PFML application I should watch out for?

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Main thing is getting your medical provider to fill out their portion correctly and on time. That's where most delays happen.

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This thread is super helpful! I'm not pregnant yet but planning to be soon and had no idea about PFML. So glad I found this discussion.

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Definitely good to know ahead of time! I wish I had researched it earlier in my pregnancy.

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One more thing to consider - you might be able to use both PFML and any accrued sick/vacation time depending on your employer's policies. Some employers let you supplement PFML benefits with PTO.

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That's a great point, I should check with HR about how they handle that.

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Definitely worth asking! Every employer handles it differently.

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I'm dealing with a similar situation but for caring for my mom who had surgery. Would that also be PFML instead of unemployment?

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Yes, caring for a family member with a serious health condition would also fall under PFML, not unemployment benefits.

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Thanks, that's what I thought but wanted to double-check.

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Can you file for PFML if you're self-employed or do you have to be a regular employee?

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Self-employed workers can opt into PFML but it's not automatic like it is for employees. You have to specifically apply for coverage.

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Good to know! I'll look into that option.

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The timing on PFML applications is important too. Don't wait until the last minute because there's paperwork involved and processing time.

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How long does the processing usually take?

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When I applied it took about 2-3 weeks to get approved, but that was a couple years ago. Could be different now.

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I had issues with my PFML application getting stuck in review and ended up using that Claimyr service someone mentioned earlier to get through to an agent who could help. Definitely saved me weeks of waiting.

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Was it worth the cost? I'm trying to avoid any extra expenses right now.

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For me it was worth it because I needed the benefits to start on time. The service got me answers in one call that I couldn't get after multiple attempts on my own.

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Make sure you keep good records of everything - application dates, correspondence, medical forms, etc. You might need them if there are any questions about your claim.

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That's great advice, I'm pretty organized so I should be able to handle that.

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Yes! I kept a folder with copies of everything and it really helped when I had questions later.

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One last thing - PFML benefits are taxable income, so keep that in mind for tax planning. They don't automatically withhold taxes like some other benefits.

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Oh wow, I hadn't thought about the tax implications. Thanks for mentioning that!

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Yeah, I learned that the hard way at tax time. You can request tax withholding when you apply though.

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Thanks everyone for all this information! I feel much more informed now about the difference between unemployment and PFML. This has been incredibly helpful.

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You're welcome! Good luck with your application and congratulations on the baby!

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Feel free to come back and ask if you run into any issues with the application process.

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This whole thread should be pinned or something. I bet this confusion between unemployment and family leave comes up all the time.

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Totally agree! This is exactly the kind of info that's hard to find when you need it.

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For anyone else reading this later - the key takeaway is that maternity leave = PFML (Paid Family and Medical Leave), not unemployment benefits. Two completely different programs with different eligibility and application processes.

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Perfect summary! That's exactly what I needed to understand.

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