Can I get Washington ESD unemployment benefits while receiving SSI?
I've been on SSI for about 2 years due to my disability but I was working part-time at a grocery store until they laid me off last month. I'm wondering if I can file for unemployment benefits through Washington ESD while still getting my SSI payments? I'm worried about losing my SSI if I apply for unemployment. Has anyone been in this situation before? I really need the extra income right now but don't want to mess up my SSI.
48 comments


Mason Lopez
You can potentially receive both SSI and unemployment benefits, but there are some important rules you need to follow. The key is that to get unemployment, you have to be able and available for work, which can sometimes conflict with SSI disability requirements. You'll need to report any unemployment income to Social Security, and it might affect your SSI payment amount.
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Demi Lagos
•Thanks for the info! Do you know how much unemployment income would reduce my SSI? I'm getting about $900 from SSI right now.
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Mason Lopez
•SSI has income exclusions - they don't count the first $65 of earned income plus half of the remainder. But unemployment might be treated differently since it's not technically 'earned' income. You should definitely check with Social Security about this.
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Vera Visnjic
I tried this last year and it was a nightmare trying to get through to both Washington ESD and Social Security to get clear answers. Spent weeks calling back and forth.
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Jake Sinclair
•Have you tried using Claimyr? I found out about it when I was having trouble reaching Washington ESD agents. It's a service that helps you get through to actual people at ESD - saved me tons of time. Check out claimyr.com and they have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.
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Vera Visnjic
•Never heard of that but definitely checking it out. Getting hung up on after waiting 2 hours was driving me crazy.
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Brielle Johnson
The 'able and available' requirement for unemployment can be tricky when you're on SSI. You need to be able to prove to Washington ESD that despite your disability, you can still work and are actively looking for work. Some people have success with this, others run into problems during adjudication.
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Demi Lagos
•What kind of problems during adjudication? I was working part-time before so I thought that would prove I'm able to work.
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Brielle Johnson
•Sometimes Washington ESD questions whether someone receiving disability benefits can truly be 'available' for full-time work. Your part-time work history should help, but they might still require additional documentation about your work capacity.
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Honorah King
•This is exactly why the system is broken. They make it impossible for people who actually need help to get it.
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Oliver Brown
I'm on SSDI not SSI but I think the rules are similar? I was able to get unemployment for about 6 months while still getting my disability payments. The key was being very clear about what kind of work I could do and documenting my job search efforts.
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Demi Lagos
•Did you have to report the unemployment to Social Security right away?
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Oliver Brown
•Yes, I reported it monthly when I did my SSI reports. Better to be upfront about it than get in trouble later.
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Jake Sinclair
The biggest issue I've seen is people not understanding that unemployment income counts toward the SSI income limits. If your unemployment plus other income exceeds the federal benefit rate, you could lose SSI eligibility entirely. Make sure you calculate this before applying.
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Demi Lagos
•Oh wow, I didn't think about that. My unemployment would probably be around $400-500 per week based on my wages. That plus SSI would definitely put me over the limit.
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Mason Lopez
•Actually, unemployment benefits aren't counted the same as earned income for SSI purposes. They're unearned income, so they reduce SSI dollar for dollar after the first $20. You really need to talk to Social Security about your specific situation.
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Jake Sinclair
•You're right, I was mixing up the rules. Thanks for the correction!
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Mary Bates
just apply for unemployment first and worry about the SSI stuff later thats what i did
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Brielle Johnson
•That's actually terrible advice. If you're not upfront with both agencies, you could end up with overpayments or even fraud charges. Always better to be transparent from the start.
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Mary Bates
•ok fair point i guess i got lucky nothing happened to me
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Mason Lopez
Here's what I'd recommend: 1) Contact Social Security first to discuss how unemployment would affect your SSI, 2) If they say it's okay, then file for unemployment with Washington ESD, 3) Make sure to report the unemployment income on your SSI reports, 4) Keep detailed records of everything. The documentation will be crucial if any issues come up later.
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Demi Lagos
•This sounds like the safest approach. I'd rather take a little extra time to do it right than mess up my SSI.
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Clay blendedgen
•Agree 100%. I work at a disability advocacy organization and we always tell clients to check with SSA before making any changes that could affect benefits.
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Honorah King
The whole system is ridiculous. You're disabled but they expect you to prove you're able to work for unemployment, then they penalize you for actually trying to work. Makes no sense at all.
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Vera Visnjic
•Tell me about it. I've been dealing with this bureaucratic nightmare for months.
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Brielle Johnson
•I understand the frustration, but the rules exist for a reason. The key is understanding how to navigate them properly.
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Ayla Kumar
One thing to consider is whether you actually need to file for unemployment right away. If the unemployment benefits would just reduce your SSI dollar for dollar anyway, you might not come out ahead financially and it could complicate your SSI case.
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Demi Lagos
•That's a good point. I should probably calculate the actual financial impact before deciding.
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Mason Lopez
•Plus there's the time and stress factor of dealing with both systems simultaneously. Sometimes it's not worth the hassle for minimal financial gain.
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Lorenzo McCormick
My sister went through this exact situation last year. She was on SSI and got laid off from her part-time job. She ended up not filing for unemployment because after talking to Social Security, she realized she'd only net about $50 more per month and it would create a lot of paperwork headaches.
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Demi Lagos
•That's helpful to know. Maybe I should run the numbers before making any decisions.
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Jake Sinclair
•If you do decide to file, definitely use a service like Claimyr to help you get through to Washington ESD when you need to talk to someone. The phone system is brutal otherwise.
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Lorenzo McCormick
•Yeah, my sister said she spent days trying to get through to ESD just to ask basic questions. Would have saved her a lot of time.
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Carmella Popescu
wait can you actually get both at the same time? i thought disability meant you couldnt work so how can you get unemployment?
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Brielle Johnson
•SSI allows people to work part-time and still receive benefits under certain income limits. If someone was working and gets laid off, they might still be able to work (just don't have a job right now), so they could potentially qualify for unemployment.
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Carmella Popescu
•oh ok that makes sense i guess. the whole system is confusing
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Vera Visnjic
Update on my earlier comment - I tried that Claimyr service someone mentioned and it actually worked! Got through to an Washington ESD rep in like 15 minutes instead of spending all day calling. They were able to answer my questions about how my part-time work history affects my unemployment claim while on disability.
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Demi Lagos
•That's awesome! What did they tell you about the disability/unemployment combination?
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Vera Visnjic
•They said as long as I can demonstrate I'm able and available for work within my limitations, and I report everything properly to Social Security, it should be fine. They recommended documenting my job search efforts really well.
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Kai Santiago
I've been a disability advocate for 10 years and I see this question a lot. The short answer is yes, you can potentially get both, but you need to be very careful about how you handle it. The 'able and available' requirement is the biggest hurdle, but having recent work history helps a lot.
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Demi Lagos
•What's the best way to document that I'm able and available while on SSI?
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Kai Santiago
•Keep detailed records of your job search activities, any accommodations you might need, and be very specific about the type of work you can do. Washington ESD wants to see that you're genuinely looking for work within your capabilities.
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Lim Wong
This thread has been super helpful. I'm in a similar situation and was totally confused about whether I could apply for unemployment while getting SSI. Sounds like the key is talking to Social Security first and being upfront about everything.
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Mason Lopez
•Exactly right. Transparency with both agencies is crucial. Better to ask questions upfront than deal with overpayment issues later.
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Jake Sinclair
•And don't forget about using tools like Claimyr if you need to actually talk to someone at Washington ESD. Makes the whole process way less frustrating.
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Dananyl Lear
One more thing to consider - even if you can get both benefits, you'll need to continue meeting Washington ESD's ongoing requirements like filing weekly claims and doing your job search activities. With a disability, make sure you can realistically meet these requirements before you start the process.
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Demi Lagos
•Good point. I can definitely do job searches online and the weekly claims seem straightforward. I think I'm going to call Social Security tomorrow to discuss my specific situation.
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Brielle Johnson
•That's the smart approach. Get the facts for your specific situation before making any decisions.
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