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CosmicCruiser

Can I get Washington ESD unemployment and social security at the same time?

I'm 63 and was laid off from my job at a manufacturing plant last month. I've been collecting social security early retirement benefits for about 6 months now. My neighbor said I can't get unemployment if I'm already getting social security but I'm not sure if that's true. Has anyone been in this situation? Can I file for Washington ESD unemployment benefits while getting social security retirement? I really need the extra income right now.

Yes, you can collect both! Social security retirement benefits don't disqualify you from unemployment in Washington. The key thing is you have to be able and available for work, which means actively looking for a job. Washington ESD will ask about your job search activities on your weekly claims.

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That's a relief! Do I need to report my social security income when I file my weekly claim with Washington ESD?

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Yes, you'll need to report any income including social security on your weekly claim. But social security retirement benefits typically don't reduce your unemployment benefit amount dollar for dollar like wages would.

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Been getting both for 8 months now. The tricky part is proving you're actively seeking work when you're getting social security. Make sure you're doing real job searches and keeping detailed records. Washington ESD takes the work search requirement seriously.

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How many job contacts do you have to make each week? I haven't looked for work in years and feel overwhelmed.

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Currently it's 3 job search activities per week in Washington. Can include applying for jobs, networking, going to job fairs, etc. Keep a log of everything you do.

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Just went through this myself. The confusion happens because some people mix up social security DISABILITY with retirement benefits. If you're on SSDI there are different rules, but regular retirement benefits don't prevent you from getting unemployment. You just have to genuinely be looking for work.

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Wait, so if someone is on social security disability they can't get unemployment? What's the difference?

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With SSDI you're certified as unable to work, which conflicts with unemployment's requirement that you be able and available for work. Retirement benefits don't have that same restriction.

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Had a nightmare trying to get through to Washington ESD to clarify this exact question. Spent literally hours on hold. Finally used Claimyr to get connected to an actual person who confirmed I could collect both. Their video demo at https://youtu.be/7DieNd3C7zQ shows exactly how it works - super simple.

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Never heard of Claimyr before. Is it legit? I've been trying to call Washington ESD for days with no luck.

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Yeah it's at claimyr.com - they basically handle the calling and waiting for you. Saved me so much frustration when I needed to talk to someone about my specific situation.

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i thought you couldnt get both but maybe im wrong. my dad is in similar situation

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It's a common misconception! Your dad should definitely look into filing for unemployment if he was laid off and is getting retirement benefits.

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The REAL question is whether it's worth it financially. Sometimes the hassle of job searching and dealing with Washington ESD isn't worth the benefit amount, especially if your social security is decent.

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My social security is only about $1,100 a month so every bit helps. What kind of unemployment benefit could I expect?

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Washington unemployment benefits are based on your earnings from the past year, not your current social security amount. You'd need to check your potential benefit amount on the Washington ESD website.

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Been collecting both for over a year. One thing to watch out for - if you start working part-time while getting both benefits, the income reporting gets complicated. You have to report wages to both programs but they calculate reductions differently.

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Good point. I'm hoping to find at least part-time work eventually. Do you have to report the part-time wages to social security too?

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Yes, and social security has an earnings test for early retirement that could reduce your benefits if you earn too much. It's different from unemployment rules.

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This is so confusing! Why can't they just have clear information about this stuff? I've been avoiding filing for unemployment because I wasn't sure.

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The Washington ESD website does have information about this, but it's buried in the FAQ section. The main thing to remember is retirement benefits don't disqualify you.

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My experience: Filed for unemployment while getting social security retirement, no problems at all. Washington ESD approved my claim within a week. The weekly claim process asks about all income so I report my social security each week. Both direct deposit to the same account.

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That gives me confidence to file! Did you have any issues during adjudication or did it go smoothly?

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Smooth as could be. I think because I was clearly laid off due to plant closure, there wasn't much to adjudicate. Had my first payment within 2 weeks of filing.

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MAKE SURE you understand the work search requirements before you file. Washington ESD doesn't mess around with this. If you're not genuinely looking for work, they'll catch on and could disqualify you. Age discrimination is real but you still have to try.

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Yeah, I'm worried about age discrimination. Are there any resources for older job seekers that count toward the work search requirement?

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WorkSource Washington has programs specifically for older workers. Attending their workshops counts as job search activity and they understand the challenges we face.

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Update on my situation - got approved for both benefits and it's been a lifesaver. When I had questions about reporting my social security income correctly, I used Claimyr again to get through to Washington ESD quickly. Worth every penny to avoid the phone runaround.

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How much does that service cost? I'm on a tight budget but might be worth it if it saves time.

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They don't publish prices but it was reasonable for the time it saved me. Check out claimyr.com - much better than sitting on hold for hours.

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Word of warning - don't lie about your job search activities. Washington ESD does audits and if they catch you claiming unemployment while not really looking for work, they'll make you pay it all back plus penalties. Seen it happen.

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Thanks for the warning. I plan to do legitimate job searches. Better to be honest from the start.

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same boat here, 64 and laid off. filing tomorrow after reading this thread. thanks everyone!

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Good luck! Make sure you have all your employment information from the past 18 months ready when you file.

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The tax implications get interesting too. Both unemployment and social security can be taxable income depending on your total income for the year. Might want to talk to a tax preparer or adjust withholdings.

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Oh great, another thing to worry about. I didn't think about taxes. Should I have taxes withheld from my unemployment payments?

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You can choose to have 10% federal taxes withheld from unemployment benefits. Washington doesn't have state income tax so that's not a concern here.

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Been getting both for 6 months. One tip: keep detailed records of everything. Job applications, phone calls, networking events, even online job searches. Washington ESD can ask for proof of your work search activities at any time.

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Do you use any particular system for tracking? I'm not very organized with paperwork.

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I just use a simple notebook. Date, company name, position applied for, method (online, in person, etc.). Some people use spreadsheets but handwritten works fine.

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Mei Lin

My brother tried to get both and Washington ESD denied his claim. But I think it was because he said in his interview that he was 'mostly retired' and just looking for something to keep busy. You have to be serious about finding work.

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That makes sense. I definitely need to work and am serious about finding a job. Good to know they pay attention to your attitude during interviews.

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The timing can be tricky too. If you're planning to fully retire soon, Washington ESD might question whether you're genuinely available for work. Be prepared to explain your job search plans and timeline.

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I'm not planning to fully retire for at least a few more years, so hopefully that won't be an issue. Need to work to make ends meet.

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Just be honest with Washington ESD about everything. Your age, your social security benefits, your genuine willingness to work. They appreciate transparency and it prevents problems down the road.

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Absolutely. I'd rather be upfront about everything than have issues later. Thanks for all the advice everyone!

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Good luck with your claim! This thread convinced me to file too. At our age we need all the help we can get, and it sounds like getting both benefits is completely legal and legitimate.

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Thanks! I'm feeling much more confident about filing now. This community is so helpful.

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Final thought - if you run into any roadblocks with Washington ESD, don't give up. Sometimes you need to talk to a real person to sort things out. That's where services like Claimyr really shine - they get you connected to someone who can actually help rather than getting stuck in phone trees.

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I'll definitely keep that in mind. Hopefully the filing process goes smoothly but good to know there are options if I hit snags.

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